Banner (BANR) 10-Q 7 May 20 2020 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information Document - shares	3 Months Ended
	Mar. 31, 2020	Apr. 30, 2020
Document and Entity Information [Abstract]
Title of 12(b) Security	Common Stock, par value $.01 per share
Trading Symbol	BANR
Security Exchange Name	NASDAQ
Entity Registrant Name	BANNER CORPORATION
Entity Incorporation, State or Country Code	WA
Entity Tax Identification Number	91-1691604
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2020
Document Transition Report	false
Entity File Number	000-26584
Amendment Flag	false
Entity Central Index Key	0000946673
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		35,155,551
Entity Filer Category	Large Accelerated Filer
Entity Shell Company	false
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Small Business	false
Entity Emerging Growth Company	false
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Entity Address, Address Line One	10 South First Avenue
Entity Address, City or Town	Walla Walla
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	99362
City Area Code	509
Local Phone Number	527-3636

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands		Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks		$ 211,013	$ 234,359
Interest bearing deposits		83,988	73,376
Total cash and cash equivalents		295,001	307,735
Securities—trading		21,040	25,636
Securities—available-for-sale, amortized cost $1,544,513 and $1,529,946, respectively		1,608,224	1,551,557
Securities—held-to-maturity, net of allowance for credit losses of $98 and none, respectively, fair value $449,237 and $237,805, respectively		437,944	236,094
Debt Securities, Held-to-maturity, Net of Allowance for Credit Losses		437,846
Total securities		2,067,110	1,813,287
Federal Home Loan Bank (FHLB) stock		20,247	28,342
Loans held for sale (includes $169.2 million and $199.4 million, at fair value, respectively)		182,428	210,447
Loans receivable		9,285,744	9,305,357
Allowance for credit losses - loans		130,488	100,559
Loans and Leases Receivable, Net Amount		9,155,256	9,204,798
Accrued interest receivable		40,732	37,962
Real estate owned (REO), held for sale, net		2,402	814
Property and equipment, net		175,235	178,008
Goodwill		373,121	373,121
Other intangibles, net		27,157	29,158
Bank-owned life insurance (BOLI)		193,140	192,088
Deferred tax assets, net		46,582	59,639
Other assets		202,539	168,632
Total assets		12,780,950	12,604,031
Deposits:
Non-interest-bearing		4,107,262	3,945,000
Interest-bearing transaction and savings accounts		5,175,969	4,983,238
Interest-bearing certificates	[1]	1,166,306	1,120,403
Total deposits		10,449,537	10,048,641
Advances from FHLB		247,000	450,000
Other borrowings		128,764	118,474
Junior subordinated debentures at fair value (issued in connection with Trust Preferred Securities)		99,795	119,304
Accrued expenses and other liabilities		208,753	227,889
Deferred compensation		45,401	45,689
Total liabilities		11,179,250	11,009,997
COMMITMENTS AND CONTINGENCIES (Note 13)
SHAREHOLDERS’ EQUITY
Preferred stock - $0.01 par value per share, 500,000 shares authorized; no shares outstanding at March 31, 2020 and December 31, 2019		0	0
Retained earnings		177,922	186,838
Carrying value of shares held in trust for stock-based compensation plans		(7,650)	(7,507)
Liability for common stock issued to stock related compensation plans		7,650	7,507
Accumulated other comprehensive income		80,079	33,256
Total shareholders' equity		1,601,700	1,594,034
Total liabilities and shareholders' equity		12,780,950	12,604,031
Voting Common Stock [Member]
SHAREHOLDERS’ EQUITY
Common stock and paid in capital		1,343,699	1,373,198
Nonvoting Common Stock [Member]
SHAREHOLDERS’ EQUITY
Common stock and paid in capital		$ 0	$ 742
[1]	Certificates of deposit include $206,000 and $269,000 of acquisition premiums at March 31, 2020 and December 31, 2019 , respectively.

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Securities—trading, amortized cost basis	$ 27,203	$ 27,203
Securities—available-for-sale, amortized cost basis	1,544,513	1,529,946
Securities—held-to-maturity, fair value	$ 449,237	$ 237,805
SHAREHOLDERS’ EQUITY
Preferred stock, share par value	$ 0.01
Preferred stock, shares authorized	500,000
Preferred stock, shares outstanding	0
Voting Common Stock [Member]
SHAREHOLDERS’ EQUITY
Common stock, share par value	$ 0.01
Common stock, shares authorized	50,000,000
Common stock, shares issued	35,102,459	35,712,384
Common stock, shares outstanding	35,102,459	35,712,384
Nonvoting Common Stock [Member]
SHAREHOLDERS’ EQUITY
Common stock, share par value	$ 0.01
Common stock, shares authorized	5,000,000
Common stock, shares issued	0	39,192
Common stock, shares outstanding	0	39,192
Loans [Member] | Recurring [Member]
ASSETS
Loans Held-for-sale, Fair Value Disclosure	$ 169,239	$ 199,397

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Acquisition-related costs	$ 1,142	$ 2,148
INTEREST INCOME:
Loans receivable	118,926	115,455
Mortgage-backed securities	9,137	10,507
Securities and cash equivalents	3,602	4,034
Total interest income	131,665	129,996
INTEREST EXPENSE:
Deposits	8,750	8,643
FHLB advances	2,064	3,476
Other borrowings	116	60
Junior subordinated debentures	1,477	1,713
Total interest expense	12,407	13,892
Net interest income	119,258	116,104
Provision for losses on real estate held for sale	21,748	2,000
PROVISION FOR CREDIT LOSSES	21,713	2,000
Net interest income after provision for credit losses	97,510	114,104
NON-INTEREST INCOME:
Deposit fees and other service charges	9,803	12,618
Fees and Commissions, Mortgage Banking and Servicing	10,191	3,415
Bank-owned life insurance (BOLI)	1,050	1,276
Miscellaneous	2,639	804
Other operating income	23,683	18,113
Net gain on sale of securities	78	1
Net change in valuation of financial instruments carried at fair value	(4,596)	11
Total non-interest income	19,165	18,125
NON-INTEREST EXPENSE:
Salary and employee benefits	59,908	54,640
Less capitalized loan origination costs	(5,806)	(4,849)
Occupancy and equipment	13,107	13,766
Information/computer data services	5,810	5,326
Payment and card processing expenses	4,240	3,984
Professional and legal expenses	1,919	2,434
Advertising and marketing	1,827	1,529
Deposit insurance expense	1,635	1,418
State/municipal business and use taxes	984	945
REO operations, net	100	(123)
Amortization of core deposit intangibles	2,001	2,052
Miscellaneous	6,357	6,744
Total non-interest expense	95,185	90,014
Noninterest Operating Expense, Before Acquisition Related Costs	93,804	87,866
COVID-19 Expenses	239	0
Income before provision for income taxes	21,490	42,215
PROVISION FOR INCOME TAXES	4,608	8,869
NET INCOME	$ 16,882	$ 33,346
Earnings per common share:
Basic	$ 0.48	$ 0.95
Diluted	0.47	0.95
Cumulative dividends declared per common share	$ 0.41	$ 0.41
Weighted average number of common shares outstanding, Basic	35,463,541	35,050,376
Weighted average number of common shares outstanding, Diluted	35,640,463	35,172,056

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Statement of Comprehensive Income [Abstract]
NET INCOME	$ 16,882	$ 33,346
OTHER COMPREHENSIVE INCOME, NET OF INCOME TAXES:
Unrealized holding gain on available-for-sale securities arising during the period	42,178	16,656
Reclassification for net gain on available-for-sale securities realized in earnings	(78)	(1)
Other Comprehensive Income (Loss), Financial Liability, Fair Value Option, before Tax, after Reclassification Adjustment	19,509	174
Income tax related to other comprehensive (loss) income	(14,786)	(4,039)
Other comprehensive income	46,823	12,790
COMPREHENSIVE INCOME	$ 63,705	$ 46,136

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock [Member]	Common Stock and Paid in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
Balance, beginning of the period at Dec. 31, 2018	$ 1,478,595		$ 1,337,436	$ 134,055	$ 7,104
Balance, beginning of the period (in shares) at Dec. 31, 2018		35,182,772
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	33,346			33,346
Other comprehensive income, net of income tax	12,790				12,790
Accrual of dividends on common stock	(14,490)			(14,490)
Amortization of stock-based compensation related to restricted stock grants, net of shares surrendered	950		950
Amortization of stock-based compensation related to restricted stock grants, net of shares surrendered (in shares)		(30,026)
Balance, end of the period at Mar. 31, 2019	1,511,191		1,338,386	152,911	19,894
Balance, end of the period (in shares) at Mar. 31, 2019		35,152,746
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	39,700			39,700
Other comprehensive income, net of income tax	16,016				16,016
Repurchase of common stock	(32,073)		(32,073)
Repurchase of common stock (in shares)		(600,000)
Accrual of dividends on common stock	(14,354)			(14,354)
Amortization of stock-based compensation related to restricted stock grants, net of shares surrendered	575		575
Amortization of stock-based compensation related to restricted stock grants, net of shares surrendered (in shares)		20,897
Balance, end of the period at Jun. 30, 2019	1,521,055		1,306,888	178,257	35,910
Balance, end of the period (in shares) at Jun. 30, 2019		34,573,643
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	39,577			39,577
Other comprehensive income, net of income tax	4,610				4,610
Repurchase of common stock	(21,849)		(21,849)
Repurchase of common stock (in shares)		(400,000)
Accrual of dividends on common stock	(14,130)			(14,130)
Amortization of stock-based compensation related to restricted stock grants, net of shares surrendered	1,672		1,672
Amortization of stock-based compensation related to restricted stock grants, net of shares surrendered (in shares)		(286)
Balance, end of the period at Sep. 30, 2019	1,530,935		1,286,711	203,704	40,520
Balance, end of the period (in shares) at Sep. 30, 2019		34,173,357
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	33,655			33,655
Other comprehensive income, net of income tax	(7,264)				(7,264)
Accrual of dividends on common stock	(50,521)			(50,521)
Amortization of stock-based compensation related to restricted stock grants, net of shares surrendered	2,029		2,029
Amortization of stock-based compensation related to restricted stock grants, net of shares surrendered (in shares)		(132)
Business acquisition	85,200		85,200
Business acquisition (in shares)		1,578,351
Balance, end of the period at Dec. 31, 2019	1,594,034		1,373,940	186,838	33,256
Balance, end of the period (in shares) at Dec. 31, 2019		35,751,576
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	16,882			16,882
Other comprehensive income, net of income tax	46,823				46,823
Repurchase of common stock	(31,775)		(31,775)
Repurchase of common stock (in shares)		(624,780)
Accrual of dividends on common stock	(14,583)			(14,583)
Amortization of stock-based compensation related to restricted stock grants, net of shares surrendered	1,534		1,534
Amortization of stock-based compensation related to restricted stock grants, net of shares surrendered (in shares)		(24,337)
Balance, end of the period at Mar. 31, 2020	$ 1,601,700		$ 1,343,699	$ 177,922	$ 80,079
Balance, end of the period (in shares) at Mar. 31, 2020		35,102,459

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019
Statement of Stockholders' Equity [Abstract]
Cumulative dividends declared per common share	$ 0.41	$ 1.41	$ 0.41	$ 0.41	$ 0.41

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019
OPERATING ACTIVITIES:
Net income	$ 16,882	$ 33,655	$ 33,346
Adjustments to reconcile net income to net cash provided from operating activities:
Depreciation	4,614		4,481
Deferred income and expense, net of amortization	(1,129)		(895)
Amortization of core deposit intangibles	2,001		2,052
Gain on sale of securities	(78)		(1)
Net change in valuation of financial instruments carried at fair value	4,596		(11)
Decrease in deferred taxes, net	(16,507)		(5,379)
Increase in current taxes payable	2,067		7,243
Stock-based compensation	1,872		1,219
Increase in cash surrender value of BOLI	(1,041)		(1,267)
Gain on sale of loans, including capitalized servicing rights	(8,363)		(2,063)
Loss on disposal of real estate held for sale and property and equipment	444		371
Provision for credit losses	21,713		2,000
Provision for Other Credit Losses	1,722		0
Provision for losses on real estate held for sale	21,748		2,000
Origination of loans held for sale	(296,712)		(134,747)
Proceeds from sales of loans held for sale	333,094		261,978
Net change in:
Other assets	(51,061)		(1,472)
Other liabilities	5,400		(12,847)
Net cash provided from operating activities	52,563		164,766
INVESTING ACTIVITIES:
Purchases of securities—available-for-sale	(143,973)		(5,140)
Principal repayments and maturities of securities—available-for-sale	82,760		51,910
Proceeds from sales of securities—available-for-sale	44,509		516
Purchases of securities—held-to-maturity	(206,155)		0
Principal repayments and maturities of securities—held-to-maturity	3,786		14,744
Loan originations, net of principal repayments	16,646		(8,988)
Proceeds from sales of other loans	5,751		3,186
Purchases of property and equipment	(3,086)		(3,947)
Proceeds from sale of real estate held for sale and sale of other property, net	877		876
Proceeds from FHLB stock repurchase program	47,840		52,372
Purchase of FHLB stock	(39,745)		(47,480)
Other	(72)		485
Net cash (used in) provided from investing activities	(190,862)		58,534
FINANCING ACTIVITIES:
Increase (decrease) in deposits, net	400,895		(100,819)
Proceeds from FHLBank Advance, Investing Activities	0		300,000
Repayments of long-term Federal Home Loan Bank Advances	0		(189)
Repayment of overnight and short term FHLB advances, net	(203,000)		(422,000)
Increase in other borrowings, net	10,289		2,724
Cash dividends paid	(50,505)		(13,405)
Taxes paid related to net share settlement of equity awards	339		269
Payments for Repurchase of Common Stock	31,775		0
Net cash provided from (used in) financing activities	125,565		(233,958)
NET CHANGE IN CASH AND CASH EQUIVALENTS	(12,734)		(10,658)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	307,735		272,196
CASH AND CASH EQUIVALENTS, END OF PERIOD	295,001	307,735	261,538
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid in cash	13,014		13,812
Tax refunds received	(29)		(71)
NON-CASH INVESTING AND FINANCING TRANSACTIONS:
Loans, net of discounts, specific loss allowances and unearned income, transferred to real estate owned and other repossessed assets	1,588		$ 0
Dividends Payable	$ 15,277	$ 14,863

BASIS OF PRESENTATION AND SIGNI

BASIS OF PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES	BASIS OF PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES The accompanying unaudited condensed consolidated financial statements include the accounts of Banner Corporation (the Company or Banner), a bank holding company incorporated in the State of Washington and its wholly-owned subsidiaries, Banner Bank and Islanders Bank (the Banks). These unaudited condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (GAAP) for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the Securities and Exchange Commission (SEC). In preparing these financial statements, the Company has evaluated events and transactions subsequent to March 31, 2020 for potential recognition or disclosure. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. Certain information and disclosures normally included in annual financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to the rules and regulations of the SEC and the accounting standards for interim financial statements. Certain reclassifications have been made to the 2019 Consolidated Financial Statements and/or schedules to conform to the 2020 presentation. These reclassifications may have affected certain ratios for the prior periods. The effect of these reclassifications is considered immaterial. All significant intercompany transactions and balances have been eliminated. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company’s accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions and other subjective assessments. In particular, management has identified several accounting policies that, due to the judgments, estimates and assumptions inherent in those policies, are significant to an understanding of Banner’s financial statements. These policies relate to (i) the methodology for the recognition of interest income, (ii) determination of the provision and allowance for credit losses, (iii) the valuation of financial assets and liabilities recorded at fair value (iv) the valuation of intangibles, such as goodwill, core deposit intangibles (CDI) and mortgage servicing rights, (v) the valuation of real estate held for sale, (vi) the valuation of assets acquired and liabilities assumed in business combinations and subsequent recognition of related income and expense, and (vii) the valuation or recognition of deferred tax assets and liabilities. These policies and judgments, estimates and assumptions are described in greater detail in subsequent notes to the Consolidated Financial Statements and Management’s Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies) in our Annual Report on Form 10-K for the year ended December 31, 2019 filed with the SEC ( 2019 Form 10-K). There have been no significant changes in our application of these accounting policies during the first three months of 2020 , except for the change related to the adoption of Financial Instruments - Credit Losses (Topic 326) as described in below and Note 2. The information included in this Form 10-Q should be read in conjunction with our 2019 Form 10-K. Interim results are not necessarily indicative of results for a full year or any other interim period. As a result of the adoption of Financial Instruments—Credit Losses (Topic 326) on January 1, 2020, the Company has updated the following significant accounting policies. Securities: Debt securities are classified as held-to-maturity when the Company has the ability and positive intent to hold them to maturity. Debt securities classified as available-for-sale are available for future liquidity requirements and may be sold prior to maturity. Debt securities classified as trading are also available for future liquidity requirements and may be sold prior to maturity. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities, net of the allowance for credit losses- securities. Debt securities classified as held-to-maturity are carried at cost, adjusted for amortization of premiums to the earliest callable date and accretion of discounts to maturity. Debt securities classified as available-for-sale are measured at fair value. Unrealized holding gains and losses on debt securities classified as available-for-sale are excluded from earnings and are reported net of tax as accumulated other comprehensive income (AOCI), a component of shareholders’ equity, until realized. Debt securities classified as trading are also measured at fair value. Unrealized holding gains and losses on securities classified as trading are included in earnings. (See Note 9 for a more complete discussion of accounting for the fair value of financial instruments.) Realized gains and losses on sale are computed on the specific identification method and are included in earnings on the trade date sold. If debt securities were transferred from held-to-maturity to available-for-sale, unrealized gains or losses from the time of transfer would be accreted or amortized over the remaining life of the debt security based on the amount and timing of future estimated cash flows. The accretion or amortization of the amount recorded in AOCI increases the carrying value of the investment and does not affect earnings. Equity securities are measured at fair value with changes in the fair value recognized through net income and are reported in other assets. Allowance for Credit Losses - Securities: Management measures expected credit losses on held-to-maturity debt securities on a collective basis by major security type. The Company’s held-to maturity portfolio contains mortgage-backed securities issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The Company’s held-to-maturity portfolio also contains municipal bonds that are typically rated by major rating agencies as Aa or better. The Company has never incurred a loss on a municipal bond, therefore the expectation of credit losses on these securities is small. The Company uses industry historical credit loss information adjusted for current conditions to establish the allowance for credit losses on the municipal bond portfolio. Less than 2% of the Company’s held-to-maturity portfolio are community development bonds representing pools of one- to four-family loans. The expected credit losses on these bonds is similar to Banner’s one- to four-family residential loan portfolio. For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the security before recovering its cost basis, the entire impairment loss would be recognized in earnings. If the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized costs, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. Projected cash flows are discounted by the current effective interest rate. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. The remaining impairment related to all other factors, the difference between the present value of the cash flows expected to be collected and fair value, is recognized as a charge to AOCI. Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when management believes the non-collectability of an available-for-sale security is confirmed or when either of the criteria regarding intent of requirement to sell is met. Loans Receivable : The Banks originate residential one- to four-family and multifamily mortgage loans for both portfolio investment and sale in the secondary market. The Banks also originate construction and land development, commercial real estate, commercial business, agricultural and consumer loans for portfolio investment. Loans receivable not designated as held for sale are recorded at amortized cost, net of the allowance for credit losses. Amortized cost is the principal amount outstanding, net of deferred fees, discounts and premiums. Accrued interest on loans is reported in accrued interest receivable on the consolidated statements of financial condition. Premiums, discounts and deferred loan fees are amortized to maturity using the level-yield methodology. Loans Held for Sale . Residential one- to four-family and multifamily mortgage loans originated with the intent to be sold in the secondary market are considered held for sale. Residential one- to four-family loans under best effort delivery commitments are carried at the lower of aggregate cost or estimated market value. Residential one- to four-family loans under mandatory delivery commitments are carried at fair value in order to match changes in the value of the loans with the value of the related economic hedges on the loans. Fair values for residential mortgage loans held for sale are determined by comparing actual loan rates to current secondary market prices for similar loans. The multifamily held-for-sale loans are carried at fair value in order to match changes in the value of the loans with the value of the related economic hedges on the loans. Fair values for multifamily loans held for sale are calculated based on discounted cash flows using a discount rate that is a combination of market spreads for similar loan types added to selected index rates. Net unrealized losses on loans held for sale that are carried at lower of cost or market are recognized through the valuation allowance by charges to income. Non-refundable fees and direct loan origination costs related to loans held for sale are recognized as part of the cost basis of the loan. Gains and losses on sales of loans held for sale are determined using the specific identification method and are recorded in the mortgage banking operations component of non-interest income. Loans Acquired in Business Combinations : Loans acquired in business combinations, are recorded at their fair value at the acquisition date. Acquired loans are evaluated upon acquisition and classified as either purchased credit deteriorated or purchased non-credit-deteriorated. Purchased credit deteriorated (PCD) loans have experienced more than insignificant credit deterioration since origination. For PCD loans, an allowance for credit losses is determined at the acquisition date using the same measurement methodology as other loans held for investment. The initial allowance for credit losses determined on a collective basis is allocated to individual loans. The loan’s fair value grossed up for the allowance for credit losses becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through a provision for credit losses. For purchased non-credit deteriorated loans, the difference between the fair value and unpaid principal balance of the loan at the acquisition date is amortized or accreted to interest income over the life of the loans. While credit discounts are included in the determination of the fair value for non-credit deteriorated loans, since these discounts are expected to be accreted over the life of the loans, they cannot be used to offset the allowance for credit losses that must be recorded at the acquisition date. As a result, an allowance for credit losses is determined at the acquisition date using the same methodology as other loans held for investment and is recognized as a provision for credit losses in the statement of operations. Any subsequent deterioration (improvement) in credit quality is recognized by recording (recapturing) a provision for credit losses. Income Recognition on Nonaccrual Loans and Securities : Interest on loans and securities is accrued as earned unless management doubts the collectability of the asset or the unpaid interest. Interest accruals on loans are generally discontinued when loans become 90 days past due for payment of interest or principal and the loans are then placed on nonaccrual status. Loans are reported as past due when installment payments, interest payments, or maturity payments are past due based on contractual terms. All previously accrued but uncollected interest is written off by reversing interest income upon transfer to nonaccrual status. For any future payments collected, interest income is recognized only upon management’s assessment that there is a strong likelihood that the full amount of a loan will be repaid or recovered. A loan may be put on nonaccrual status sooner than this policy would dictate if, in management’s judgment, the interest may be uncollectable. While less common, similar interest reversal and nonaccrual treatment is applied to investment securities if their ultimate collectability becomes questionable. Loans modified due to the COVID-19 pandemic are considered current if they are less than 30 days past due on the contractual payments at the time the loan modification program was put in place and therefore continue to accrue interest unless the interest is being waived. Provision and Allowance for Credit Losses - Loans : The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of loans to present the net amount expected to be collected on the loans. The Banks have elected to exclude accrued interest receivable from the amortized cost basis in their estimate of the allowance for credit losses. The provision for credit losses reflects the amount required to maintain the allowance for credit losses at an appropriate level based upon management’s evaluation of the adequacy of collective and individual loss reserves. The Company has established systematic methodologies for the determination of the adequacy of the Company’s allowance for credit losses. The methodologies are set forth in a formal policy and take into consideration the need for a valuation allowance for loans evaluated on a collective (pool) basis which have similar risk characteristics as well as allowances that are tied to individual loans that do not share risk characteristics. The Company increases its allowance for credit losses by charging provisions for credit losses on its consolidated statement of operations. Losses related to specific assets are applied as a reduction of the carrying value of the assets and charged against the allowance for credit loss reserve when management believes the non-collectability of a loan balance is confirmed. Recoveries on previously charged off loans are credited to the allowance for credit losses. Management estimates the allowance for credit losses using relevant information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. The allowance for credit losses is maintained at a level sufficient to provide for expected credit losses over the life of the loan based on evaluating historical credit loss experience and making adjustments to historical loss information for differences in the specific risk characteristics in the current loan portfolio. These factors include, among others, changes in the size and composition of the loan portfolio, differences in underwriting standards, delinquency rates, actual loss experience and current economic conditions. The allowance for credit losses is measured on a collective (pool) basis when similar risk characteristics exist. In estimating the component of the allowance for credit losses for loans that share common risk characteristics, loans are pooled based on loan type and areas of risk concentration. For loans evaluated collectively, the allowance for credit losses is calculated using life of loan historical losses adjusted for economic forecasts and current conditions. For commercial real estate, multifamily real estate, construction and land, commercial business and agricultural loans with risk rating segmentation, historical credit loss assumptions are estimated using a model that categorizes loan pools based on loan type and risk rating. For one- to four- family residential loans, historical credit loss assumptions are estimated using a model that categorizes loan pools based on loan type and delinquency status. These models calculate an expected life-of-loan loss percentage for each loan category by calculating the probability of default, based on the migration of loans from performing to loss by risk rating or delinquency categories using historical life-of-loan analysis and the severity of loss, based on the aggregate net lifetime losses incurred for each loan pool. For commercial real estate, commercial business, and consumer loans without risk rating segmentation, historical credit loss assumptions are estimated using a model that calculates an expected life-of-loan loss percentage for each loan category by considering the historical cumulative losses based on the aggregate net lifetime losses incurred for each loan pool. The model captures historical loss data back to the first quarter of 2008. For loans evaluated collectively, management uses economic indicators to adjust the historical loss rates so that they better reflect management’s expectations of future conditions over the remaining lives of the loans in the portfolio based on reasonable and supportable forecasts. These economic indicators are selected based on correlation to the Company’s historical credit loss experience and are evaluated for each loan category. The economic indicators evaluated include unemployment, gross domestic product, real estate price indices and growth, yield curve spreads, treasury yields, the corporate yield, the market volatility index, the Dow Jones index, the consumer confidence index, and the prime rate. Management considers various economic scenarios and forecasts when evaluating the economic indicators and probability weights the various scenarios to arrive at the forecast that most reflects management’s expectations of future conditions. The allowance for credit losses is then adjusted for the period in which those forecasts are considered to be reasonable and supportable. To the extent the lives of the loans in the portfolio extend beyond the period for which a reasonable and supportable forecast can be made, the adjustments discontinue to be applied so that the model reverts back to the historical loss rates using a straight line reversion method. Management selected an initial reasonable and supportable forecast period of 12 months with a reversion period of 12 months. Both the reasonable and supportable forecast period and the reversion period are periodically reviewed by management. Further, for loans evaluated collectively, management also considers qualitative and environmental factors for each loan category to adjust for differences between the historical periods used to calculate historical loss rates and expected conditions over the remaining lives of the loans in the portfolio. In determining the aggregate adjustment needed management considers the financial condition of the borrowers, the nature and volume of the loans, the remaining terms and the extent of prepayments on the loans, the volume and severity of past due and classified loans as well as the value of the underlying collateral on loans in which the collateral dependent practical expedient has not been used. Management also considers the Company’s lending policies, the quality of the Company’s credit review system, the quality of the Company’s management and lending staff, and the regulatory and economic environments in the areas in which the Company’s lending activities are concentrated. Loans that do not share risk characteristics with other loans in the portfolio are individually evaluated for impairment are not included in the collective evaluation. Factors involved in determining whether a loan should be individually evaluated include, but are not limited to, the financial condition of the borrower and the value of the underlying collateral. Expected credit losses for loans evaluated individually are measured based on the present value of expected future cash flows discounted at the loan’s original effective interest rate or when the Banks determine that foreclosure is probable, the expected credit loss is measured based on the fair value of the collateral as of the reporting date, less estimated selling costs, as applicable. As a practical expedient, the Banks measure the expected credit loss for a loan using the fair value of the collateral, if repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty based on the Banks' assessment as of the reporting date. In both cases, if the fair value of the collateral is less than the amortized cost basis of the loan, the Banks will recognize an allowance as the difference between the fair value of the collateral, less costs to sell (if applicable), at the reporting date and the amortized cost basis of the loan. If the fair value of the collateral exceeds the amortized cost basis of the loan, any expected recovery added to the amortized cost basis will be limited to the amount previously charged-off . Subsequent changes in the expected credit losses for loans evaluated individually are included within the provision for credit losses in the same manner in which the expected credit loss initially was recognized or as a reduction in the provision that would otherwise be reported. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals, and modifications unless either management has a reasonable expectation at the reporting date that a troubled debt restructuring will be executed with an individual borrower or the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Banks. Some of the Banks’ loans are reported as troubled debt restructures (TDRs). Loans are reported as TDRs when the Banks grant a concession(s) to a borrower experiencing financial difficulties that it would not otherwise consider. Examples of such concessions include forgiveness of principal or accrued interest, extending the maturity date(s) or providing a lower interest rate than would be normally available for a transaction of similar risk. The allowance for credit losses on a TDR is determined using the same method as all other loans held for investment, except when the value of the concession cannot be measured using a method other than the discounted cash flow method. When the value of a concession is measured using the discounted cash flow method the allowance for credit losses is determined by discounting the expected future cash flows at the original interest rate of the loan. The CARES Act provided guidance around the modification of loans as a result of the COVID-19 pandemic, which outlined, among other criteria, that short-term modifications made on a good faith basis to borrowers who were current as defined under the CARES Act prior to any relief, are not TDRs. This includes short-term (e.g. six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrowers are considered current under the CARES Act if they are less than 30 days past due on their contractual payments at the time a modification program is implemented. Loan Origination and Commitment Fees: Loan origination fees, net of certain specifically defined direct loan origination costs, are deferred and recognized as an adjustment of the loans’ interest yield using the level-yield method over the contractual term of each loan adjusted for actual loan prepayment experience. Net deferred fees or costs related to loans held for sale are recognized as part of the cost basis of the loan. Loan commitment fees are deferred until the expiration of the commitment period unless management believes there is a remote likelihood that the underlying commitment will be exercised, in which case the fees are amortized to fee income using the straight-line method over the commitment period. If a loan commitment is exercised, the deferred commitment fee is accounted for in the same manner as a loan origination fee. Deferred commitment fees associated with expired commitments are recognized as fee income. Allowance for Credit Losses - unfunded loan commitments:

ACCOUNTING STANDARDS RECENTLY I

ACCOUNTING STANDARDS RECENTLY ISSUED OR ADOPTED	3 Months Ended
	Mar. 31, 2020
Accounting Changes and Error Corrections [Abstract]
ACCOUNTING STANDARDS RECENTLY ISSUED OR ADOPTED	ACCOUNTING STANDARDS RECENTLY ISSUED OR ADOPTED Financial Instruments—Credit Losses (Topic 326) On January 1, 2020, the Company adopted the Financial Accounting Standards Board (FASB) Accounting Standards Update (ASU) 2016-13, Financial Instruments - Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments, as amended, which replaces the incurred loss methodology that delays recognition until it is probable a loss has been incurred with an expected loss methodology that is referred to as CECL. The main objective of this ASU is to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. The ASU affects loans, debt securities, trade receivables, net investments in leases, off-balance-sheet credit exposures, reinsurance receivables, and any other financial asset not excluded from the scope that have the contractual right to receive cash. The ASU replaces the incurred loss impairment methodology in previous GAAP with CECL, a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. This ASU requires a financial asset (or group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial asset(s) to present the net carrying value at the amount expected to be collected on the financial asset. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. This ASU broadens the information that an entity must consider in developing its expected credit loss estimate for assets measured either collectively or individually. The use of forecasted information incorporates more timely information in the estimate of expected credit loss, which will be more decision useful to users of the financial statements. The following table illustrates the pre-tax impact of the adoption of this ASU (in thousands): January 1, 2020 As Reported Under Topic 326 January 1, 2020 Pre-Topic 326 Adoption Impact of Topic 326 Adoption Assets Held-to-maturity debt securities U.S. Government and agency obligations $ — $ — $ — Municipal bonds 28 — 28 Corporate bonds 35 — 35 Mortgage-backed or related securities — — — Allowance for credit losses on held-to-maturity debt securities $ 63 $ — $ 63 Loans Commercial real estate $ 27,727 $ 30,591 $ (2,864 ) Multifamily real estate 2,550 4,754 (2,204 ) Construction and land 25,509 22,994 2,515 Commercial business 26,380 23,370 3,010 Agricultural business 3,769 4,120 (351 ) One-to four-family residential 11,261 4,136 7,125 Consumer 11,175 8,202 2,973 Unallocated — 2,392 (2,392 ) Allowance for credit losses on loans $ 108,371 $ 100,559 $ 7,812 Liabilities Allowance for credit losses on unfunded loan commitments $ 9,738 $ 2,716 $ 7,022 Total $ 14,897 The $14.9 million total increase was recorded net of tax as an $11.2 million reduction to shareholders' equity as of the adoption date. In addition to the increase in the allowance for credit losses upon adoption, the Company expects more variability in its quarterly provision for credit losses going forward due to the CECL model’s sensitivity to changes in the economic forecast and other factors. The Company has updated its accounting policies based on the adoption of this ASU. See Note 1 of the Notes to the Consolidated Financial Statements for additional information. Intangibles-Goodwill and Other-Internal-Use Software (Subtopic 350-40) In August 2018, FASB issued ASU 2018-15, Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract . The amendments in this ASU broaden the scope of ASC Subtopic 350-40 to include costs incurred to implement a hosting arrangement that is a service contract. The amendments align the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software (and hosting arrangements that include an internal-use software license). The costs are capitalized or expensed depending on the nature of the costs and the project stage during which they are incurred, consistent with the accounting for costs for internal-use software. The amendments in this ASU result in consistent capitalization of implementation costs of a hosting arrangement that is a service contract and implementation costs incurred to develop or obtain internal-use software (and hosting arrangements that include an internal-use software license). The accounting for the service element of a hosting arrangement that is a service contract is not affected by the amendments in this ASU. The Company adopted this ASU effective January 1, 2020. The adoption of this ASU did not have a material impact on the Company’s Consolidated Financial Statements. Fair Value Measurement (Topic 820) In August 2018, FASB issued ASU 2018-13, Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement . The amendments in this ASU modify the disclosure requirements on fair value measurements in Topic 820, Fair Value Measurement. The ASU removes, modifies and adds disclosure requirements in Topic 820. The following disclosure requirements were removed: 1) the amount and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, 2) the policy for timing of transfers between levels, and 3) the valuation processes for Level 3 fair value measurements. This ASU modified disclosure requirements by requiring: that the measurement uncertainty disclosure communicates information about the uncertainty in measurement as of the reporting date. The following disclosure requirements were added: 1) changes in unrealized gains and losses for the period included in other comprehensive income for the recurring Level 3 fair value measurements held at the end of the reporting period, and 2) the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. The Company adopted this ASU effective January 1, 2020. The adoption of this ASU did not have a material impact on the Company’s Consolidated Financial Statements.

BUSINESS COMBINATION

BUSINESS COMBINATION	3 Months Ended
	Mar. 31, 2020
Business Combinations [Abstract]
BUSINESS COMBINATION	BUSINESS COMBINATION Acquisition of AltaPacific Bancorp On November 1, 2019 , the Company completed the acquisition of 100% of the outstanding common shares of AltaPacific Bancorp (AltaPacific), the holding company for AltaPacific Bank, a California state-chartered commercial bank. AltaPacific was merged into Banner and AltaPacific Bank was merged into Banner Bank. Pursuant to the previously announced terms of the acquisition, AltaPacific shareholders received 0.2712 shares of Banner common stock in exchange for each share of AltaPacific common stock, plus cash in lieu of any fractional shares and to cancel in-the-money AltaPacific stock options. The merged banks operate as Banner Bank. The primary reason for the acquisition was to expand the Company's presence in California by adding density within our existing geographic footprint. The acquisition provided $425.7 million in assets, $313.4 million in deposits and $332.4 million in loans to Banner. The application of the acquisition method of accounting resulted in recognition of a CDI asset of $4.6 million and goodwill of $34.0 million . The acquired CDI has been determined to have a useful life of approximately ten years and will be amortized on an accelerated basis. Goodwill is not amortized but will be evaluated for impairment on an annual basis or more often if circumstances dictate to determine if the carrying value remains appropriate. Goodwill will not be deductible for income tax purposes as the acquisition is accounted for as a tax-free exchange for tax purposes. The following table presents a summary of the consideration paid and the estimated fair values as of the acquisition date for each major class of assets acquired and liabilities assumed (in thousands): AltaPacific November 1, 2019 Consideration to AltaPacific equity holders: Cash paid $ 2,360 Fair value of common shares issued 85,200 Total consideration 87,560 Fair value of assets acquired: Cash and cash equivalents 39,686 Securities 20,348 Federal Home Loan Bank stock 2,005 Loans receivable (contractual amount of $338.2 million) 332,355 Real estate owned held for sale 650 Property and equipment 3,809 Core deposit intangible 4,610 Bank-owned life insurance 11,890 Deferred tax asset 166 Other assets 10,150 Total assets acquired 425,669 Fair value of liabilities assumed: Deposits 313,374 Advances from FHLB 40,226 Junior subordinated debentures 5,814 Deferred compensation 4,508 Other liabilities 8,154 Total liabilities assumed 372,076 Net assets acquired 53,593 Goodwill $ 33,967 Acquired goodwill represents the premium the Company paid over the fair value of the net tangible and intangible assets acquired. The Company paid this premium for a number of reasons, including growing the Company's customer base, acquiring assembled workforces, and expanding its presence in existing markets. See Note 7, Goodwill, Other Intangible Assets and Mortgage Servicing Rights for the accounting for goodwill and other intangible assets. Fair values are preliminary and subject to refinement for up to one year after the closing date of the acquisition as additional information regarding the closing date fair values becomes available. Additional adjustments to the acquisition accounting that may be required would most likely involve loans, property and equipment, or the deferred tax asset. As of November 1, 2019, the unpaid principal balance on purchased non-credit-impaired loans was $333.5 million . The fair value of the purchased non-credit-impaired loans was $328.2 million , resulting in a discount of $5.3 million recorded on these loans, which includes $5.8 million of a credit related discount. This discount is being accreted into income over the life of the loans on an effective yield basis. The following table presents the acquired AltaPacific purchased credit-impaired (PCI) loans as of the acquisition date (in thousands): AltaPacific November 1, 2019 Acquired PCI loans: Contractually required principal and interest payments $ 5,881 Nonaccretable difference (1,046 ) Cash flows expected to be collected 4,835 Accretable yield (683 ) Fair value of PCI loans $ 4,152 The financial results of the Company include the revenues and expenses produced by the acquired assets and assumed liabilities of AltaPacific since November 1, 2019. Disclosure of the amount of AltaPacific's revenue and net income (excluding integration costs) included in the Company’s consolidated statements of operations is impracticable due to the integration of the operations and accounting for this acquisition. The pro forma impact of the AltaPacific acquisition to the historical financial results was determined to not be significant.

SECURITIES

SECURITIES	3 Months Ended
	Mar. 31, 2020
Investments, Debt and Equity Securities [Abstract]
INTEREST-BEARING DEPOSITS AND SECURITIES	SECURITIES The amortized cost, gross unrealized gains and losses and estimated fair value of securities at March 31, 2020 and December 31, 2019 are summarized as follows (in thousands): March 31, 2020 Amortized Cost Fair Value Trading: Corporate bonds $ 27,203 $ 21,040 $ 27,203 $ 21,040 March 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Allowance for Credit Losses Fair Value Available-for-Sale: U.S. Government and agency obligations $ 82,197 $ 520 $ (954 ) $ — $ 81,763 Municipal bonds 171,486 9,726 (173 ) — 181,039 Corporate bonds 30,094 1,101 (209 ) — 30,986 Mortgage-backed or related securities 1,252,606 54,711 (518 ) — 1,306,799 Asset-backed securities 8,130 — (493 ) — 7,637 $ 1,544,513 $ 66,058 $ (2,347 ) $ — $ 1,608,224 March 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Allowance for Credit Losses Held-to-Maturity: U.S. Government and agency obligations $ 373 $ 8 $ — $ 381 $ — Municipal bonds 380,483 10,830 (2,292 ) 389,021 61 Corporate bonds 3,325 — (10 ) 3,315 37 Mortgage-backed or related securities 53,763 2,769 (12 ) 56,520 — $ 437,944 $ 13,607 $ (2,314 ) $ 449,237 $ 98 December 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Trading: Corporate bonds $ 27,203 $ 25,636 $ 27,203 $ 25,636 Available-for-Sale: U.S. Government and agency obligations $ 90,468 $ 286 $ (1,156 ) $ 89,598 Municipal bonds 101,927 5,233 (3 ) 107,157 Corporate bonds 4,357 14 (6 ) 4,365 Mortgage-backed or related securities 1,324,999 20,325 (3,013 ) 1,342,311 Asset-backed securities 8,195 — (69 ) 8,126 $ 1,529,946 $ 25,858 $ (4,247 ) $ 1,551,557 Held-to-Maturity: U.S. Government and agency obligations $ 385 $ 4 $ — $ 389 Municipal bonds 177,208 3,733 (2,213 ) 178,728 Corporate bonds 3,353 — (11 ) 3,342 Mortgage-backed or related securities 55,148 921 (723 ) 55,346 $ 236,094 $ 4,658 $ (2,947 ) $ 237,805 Accrued interest receivable on held-to-maturity debt securities was $2.8 million and $1.1 million as of March 31, 2020 and December 31, 2019 , respectively, and was $5.8 million and $4.8 million on available-for-sale debt securities as of March 31, 2020 and December 31, 2019 , respectively. Accrued interest receivable on securities is reported in accrued interest receivable on the consolidated statements of financial condition and is excluded from the calculation of the allowance for credit losses. At March 31, 2020 , the gross unrealized losses and the fair value for securities available-for-sale aggregated by the length of time that individual securities have been in a continuous unrealized loss position were as follows (in thousands): March 31, 2020 Less Than 12 Months 12 Months or More Total Fair Unrealized Losses Fair Unrealized Losses Fair Unrealized Losses Available-for-Sale: U.S. Government and agency obligations $ 2,575 $ (18 ) $ 56,531 $ (936 ) $ 59,106 $ (954 ) Municipal bonds 11,767 (173 ) — — 11,767 (173 ) Corporate bonds 4,148 (209 ) — — 4,148 (209 ) Mortgage-backed or related securities 42,545 (487 ) 7,218 (31 ) 49,763 (518 ) Asset-backed securities 1,371 (53 ) 5,871 (440 ) 7,242 (493 ) $ 62,406 $ (940 ) $ 69,620 $ (1,407 ) $ 132,026 $ (2,347 ) At December 31, 2019 , the gross unrealized losses and the fair value for securities available-for-sale and held-to-maturity aggregated by the length of time that individual securities have been in a continuous unrealized loss position were as follows (in thousands): December 31, 2019 Less Than 12 Months 12 Months or More Total Fair Unrealized Losses Fair Unrealized Losses Fair Unrealized Losses Available-for-Sale: U.S. Government and agency obligations $ 2,747 $ (20 ) $ 60,979 $ (1,136 ) $ 63,726 $ (1,156 ) Municipal bonds 1,902 — 494 (3 ) 2,396 (3 ) Corporate bonds 594 (6 ) — — 594 (6 ) Mortgage-backed or related securities 300,852 (2,829 ) 33,360 (184 ) 334,212 (3,013 ) Asset-backed securities 1,204 (17 ) 5,989 (52 ) 7,193 (69 ) $ 307,299 $ (2,872 ) $ 100,822 $ (1,375 ) $ 408,121 $ (4,247 ) Held-to-Maturity U.S. Government and agency obligations $ — $ — $ — $ — $ — $ — Municipal bonds 44,605 (1,889 ) 19,017 (324 ) 63,622 (2,213 ) Corporate bonds — — 489 (11 ) 489 (11 ) Mortgage-backed or related securities 11,117 (723 ) — — 11,117 (723 ) $ 55,722 $ (2,612 ) $ 19,506 $ (335 ) $ 75,228 $ (2,947 ) At March 31, 2020 , there were 59 securities—available-for-sale with unrealized losses, compared to 90 at December 31, 2019 . At December 31, 2019 , there were 17 securities—held-to-maturity with unrealized losses. Management does not believe that any individual unrealized loss as of March 31, 2020 resulted from credit loss or that any individual unrealized loss represented other-than-temporary impairment (OTTI) as of December 31, 2019 . The decline in fair market value of these securities was generally due to changes in interest rates and changes in market-desired spreads subsequent to their purchase. There were no sales of securities—trading during the three months ended March 31, 2020 or 2019 . There were no securities—trading in a nonaccrual status at March 31, 2020 or December 31, 2019 . Net unrealized holding losses of $4.6 million were recognized during the three months ended March 31, 2020 compared to $58,000 of net unrealized holding losses recognized during the three months ended March 31, 2019 . There were 10 sales of securities—available-for-sale during the three months ended March 31, 2020 , with a net gain of $78,000 . There was one sale of securities—available-for-sale during the three months ended March 31, 2019 , which resulted in a net gain of $1,000 . There were no securities—available-for-sale in a nonaccrual status at March 31, 2020 or December 31, 2019 . There were no sales of securities—held-to-maturity during the three months ended March 31, 2020 or 2019 . There were no securities—held-to-maturity in a nonaccrual status or 30 days or more past due at March 31, 2020 or December 31, 2019 . The amortized cost and estimated fair value of securities at March 31, 2020 , by contractual maturity, are shown below (in thousands). Expected maturities will differ from contractual maturities because some securities may be called or prepaid with or without call or prepayment penalties. March 31, 2020 Trading Available-for-Sale Held-to-Maturity Amortized Cost Fair Value Amortized Cost Fair Value Amortized Cost Fair Value Maturing in one year or less $ — $ — $ 2,500 $ 2,496 $ 807 $ 808 Maturing after one year through five years — — 66,644 68,453 59,949 61,827 Maturing after five years through ten years — — 352,386 370,139 44,006 46,085 Maturing after ten years through twenty years 27,203 21,040 265,561 277,549 124,627 126,785 Maturing after twenty years — — 857,422 889,587 208,555 213,732 $ 27,203 $ 21,040 $ 1,544,513 $ 1,608,224 $ 437,944 $ 449,237 The following table presents, as of March 31, 2020 , investment securities which were pledged to secure borrowings, public deposits or other obligations as permitted or required by law (in thousands): March 31, 2020 Carrying Value Amortized Cost Fair Value Purpose or beneficiary: State and local governments public deposits $ 155,588 $ 154,453 $ 160,654 Interest rate swap counterparties 28,049 26,923 28,432 Repurchase agreements 153,285 147,608 153,286 Other 2,665 2,665 2,733 Total pledged securities $ 339,587 $ 331,649 $ 345,105 The Company monitors the credit quality of held-to-maturity debt securities through the use of credit rating. Credit ratings are reviewed and updated quarterly. The following table summarizes the amortized cost of held-to-maturity debt securities by credit rating at March 31, 2020 (in thousands): March 31, 2020 U.S. Government and agency obligations Municipal bonds Corporate bonds Mortgage-backed or related securities Total AAA/AA/A $ — $ 348,662 $ 500 $ — $ 349,162 BBB/BB/B — — — — — Not Rated 373 31,821 2,825 53,763 88,782 $ 373 $ 380,483 $ 3,325 $ 53,763 $ 437,944 The following table presents the activity in the allowance for credit losses for held-to-maturity debt securities by major type for the three months ended March 31, 2020 (in thousands): Three Months Ended U.S. Government and agency obligations Municipal bonds Corporate bonds Mortgage-backed or related securities Total Allowance for credit losses - securities Beginning Balance $ — $ — $ — $ — $ — Impact of adopting ASC 326 — 28 35 — 63 Provision for credit losses — 33 2 — 35 Securities charged-off — — — — — Recoveries — — — — — Ending Balance $ — $ 61 $ 37 $ — $ 98

LOANS RECEIVABLE AND THE ALLOWA

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2020
Receivables [Abstract]
LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES	LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES - LOANS As a result of the adoption of Financial Instruments - Credit Losses (Topic 326), effective January 1, 2020, the Company changed the segmentation of its loan portfolio based on the common risk characteristics used to measure the allowance for credit losses. The following table presents the loans receivable at March 31, 2020 and December 31, 2019 by class (dollars in thousands). The presentation of loans receivable at December 31, 2019 has been updated to conform to the loan portfolio segmentation that became effective on January 1, 2020. March 31, 2020 December 31, 2019 Amount Percent of Total Amount Percent of Total Commercial real estate: Owner-occupied $ 1,024,089 11.0 % $ 980,021 10.5 % Investment properties 2,007,537 21.6 2,024,988 21.8 Small balance CRE 591,783 6.4 613,484 6.6 Multifamily real estate 400,206 4.3 388,388 4.2 Construction, land and land development: Commercial construction 205,476 2.2 210,668 2.3 Multifamily construction 250,410 2.7 233,610 2.5 One- to four-family construction 534,956 5.8 544,308 5.8 Land and land development 232,506 2.5 245,530 2.6 Commercial business: Commercial business 1,357,817 14.6 1,364,650 14.7 Small business scored 807,539 8.7 772,657 8.3 Agricultural business, including secured by farmland 330,257 3.6 337,271 3.6 One- to four-family residential 881,387 9.5 925,531 9.9 Consumer: Consumer—home equity revolving lines of credit 521,618 5.6 519,336 5.6 Consumer—other 140,163 1.5 144,915 1.6 Total loans 9,285,744 100.0 % 9,305,357 100.0 % Less allowance for credit losses - loans (130,488 ) (100,559 ) Net loans $ 9,155,256 $ 9,204,798 The presentation of loans receivable at December 31, 2019 in the table below is based on loan segmentation as presented in the 2019 Form 10-K. December 31, 2019 Amount Percent of Total Commercial real estate: Owner-occupied $ 1,580,650 17.0 % Investment properties 2,309,221 24.8 Multifamily real estate 473,152 5.1 Commercial construction 210,668 2.3 Multifamily construction 233,610 2.5 One- to four-family construction 544,308 5.8 Land and land development: Residential 154,688 1.7 Commercial 26,290 0.3 Commercial business 1,693,824 18.2 Agricultural business, including secured by farmland 370,549 4.0 One- to four-family residential 945,622 10.2 Consumer: Consumer secured by one- to four-family 550,960 5.8 Consumer—other 211,815 2.3 Total loans 9,305,357 100.0 % Less allowance for loan losses (100,559 ) Net loans $ 9,204,798 Loan amounts are net of unearned loan fees in excess of unamortized costs of $451,000 as of March 31, 2020 and $438,000 as of December 31, 2019 . Net loans include net discounts on acquired loans of $22.2 million and $25.0 million as of March 31, 2020 and December 31, 2019 , respectively. Net loans does not include accrued interest receivable. Accrued interest receivable on loans was $32.0 million as of March 31, 2020 and $31.8 million as of December 31, 2019 and was reported in accrued interest receivable on the consolidated statements of financial condition. Purchased credit deteriorated and purchased non-credit-deteriorated loans. Loans acquired in business combinations are recorded at their fair value at the acquisition date. Acquired loans are evaluated upon acquisition and classified as either purchased credit-deteriorated (PCD) or purchased non-credit-deteriorated. There were no PCD loans acquired for the three months ended March 31, 2020 . Purchased credit-impaired loans and purchased non-credit-impaired loans. Prior to the implementation of Financial Instruments—Credit Losses (Topic 326) on January 1, 2020, acquired loans were evaluated upon acquisition and classified as either purchased credit-impaired (PCI) or purchased non-credit-impaired. PCI loans reflected credit deterioration since origination such that it was probable at acquisition that the Company would be unable to collect all contractually required payments. The outstanding contractual unpaid principal balance of PCI loans, excluding acquisition accounting adjustments, was $23.5 million at December 31, 2019 . The carrying balance of PCI loans was $15.9 million at December 31, 2019 . These loans were converted to PCD loans on January 1, 2020. The following table presents the changes in the accretable yield for PCI loans for the three months ended March 31, 2019 (in thousands): Three Months Ended 2019 Balance, beginning of period $ 5,216 Accretion to interest income (493 ) Disposals — Reclassifications from non-accretable difference 55 Balance, end of period $ 4,778 As of December 31, 2019 , the non-accretable difference between the contractually required payments and cash flows expected to be collected was $7.4 million . Impaired Loans and the Allowance for Loan Losses. Prior to the implementation of Financial Instruments—Credit Losses (Topic 326) on January 1, 2020, a loan was considered impaired when, based on current information and circumstances, the Company determines it was probable that it would be unable to collect all amounts due according to the contractual terms of the loan agreement, including scheduled interest payments. Factors involved in determining impairment included, but were not limited to, the financial condition of the borrower, the value of the underlying collateral and the status of the economy. Impaired loans were comprised of loans on nonaccrual, TDRs that were performing under their restructured terms, and loans that were 90 days or more past due, but were still on accrual. PCI loans were considered performing within the scope of the purchased credit-impaired accounting guidance and were not included in the impaired loan tables. The following table provides information on impaired loans, excluding PCI loans, with and without allowance reserves at December 31, 2019 . Recorded investment includes the unpaid principal balance or the carrying amount of loans less charge-offs and net deferred loan fees (in thousands): December 31, 2019 Unpaid Principal Balance Recorded Investment Related Allowance Without Allowance (1) With Allowance (2) Commercial real estate: Owner-occupied $ 4,185 $ 3,816 $ 194 $ 18 Investment properties 3,536 1,883 690 40 Multifamily real estate 82 85 — — Multifamily construction 573 98 — — One- to four-family construction 1,799 1,799 — — Land and land development: Residential 676 340 — — Commercial business 25,117 4,614 19,330 4,128 Agricultural business/farmland 3,044 661 2,243 141 One- to four-family residential 7,290 5,613 1,648 41 Consumer: Consumer secured by one- to four-family 3,081 2,712 127 5 Consumer—other 222 159 52 1 $ 49,605 $ 21,780 $ 24,284 $ 4,374 (1) Includes loans without an allowance reserve that had been individually evaluated for impairment and that evaluation concluded that no reserve was needed, and $13.5 million of homogeneous and small balance loans, as of December 31, 2019 , that were collectively evaluated for impairment for which a general reserve was established. (2) Loans with a specific allowance reserve were individually evaluated for impairment using either a discounted cash flow analysis or, for collateral dependent loans, current appraisals less costs to sell to establish realizable value. The following table summarizes our average recorded investment and interest income recognized on impaired loans by loan class for the three months ended March 31, 2019 (in thousands): Three Months Ended Average Recorded Investment Interest Income Recognized Commercial real estate: Owner-occupied $ 3,451 $ 2 Investment properties 7,227 76 Commercial construction 1,427 — One- to four-family construction 919 — Land and land development: Residential 726 — Commercial business 3,803 5 Agricultural business/farmland 5,117 27 One- to four-family residential 6,446 65 Consumer: Consumer secured by one- to four-family 2,063 5 Consumer—other 319 1 $ 31,498 $ 181 Troubled Debt Restructurings. Loans are reported as TDRs when the bank grants one or more concessions to a borrower experiencing financial difficulties that it would not otherwise consider. Our TDRs have generally not involved forgiveness of amounts due, but almost always include a modification of multiple factors; the most common combination includes interest rate, payment amount and maturity date. As of March 31, 2020 and December 31, 2019 , the Company had TDRs of $13.1 million and $8.0 million , respectively, and commitments to advance additional funds related to TDRs up to $1.2 million and none , respectively. The following table presents new TDRs that occurred during the three months ended March 31, 2020 and March 31, 2019 (dollars in thousands): Three months ended March 31, 2020 Number of Contracts Pre- modification Outstanding Recorded Investment Post- modification Outstanding Recorded Investment Recorded Investment Commercial business: Commercial business 2 4,796 4,796 Total 2 $ 4,796 $ 4,796 Three months ended March 31, 2019 Number of Contracts Pre- modification Outstanding Recorded Investment Post- modification Outstanding Recorded Investment Recorded Investment Commercial real estate Investment properties 1 1,090 1,090 1 $ 1,090 $ 1,090 There were no TDRs which incurred a payment default within twelve months of the restructure date during the three -month periods ended March 31, 2020 and 2019 . A default on a TDR results in either a transfer to nonaccrual status or a partial charge-off, or both. Credit Quality Indicators : To appropriately and effectively manage the ongoing credit quality of the Company’s loan portfolio, management has implemented a risk-rating or loan grading system for its loans. The system is a tool to evaluate portfolio asset quality throughout each applicable loan’s life as an asset of the Company. Generally, loans are risk rated on an aggregate borrower/relationship basis with individual loans sharing similar ratings. There are some instances when specific situations relating to individual loans will provide the basis for different risk ratings within the aggregate relationship. Loans are graded on a scale of 1 to 9. A description of the general characteristics of these categories is shown below: Overall Risk Rating Definitions : Risk-ratings contain both qualitative and quantitative measurements and take into account the financial strength of a borrower and the structure of the loan or lease. Consequently, the definitions are to be applied in the context of each lending transaction and judgment must also be used to determine the appropriate risk rating, as it is not unusual for a loan or lease to exhibit characteristics of more than one risk-rating category. Consideration for the final rating is centered in the borrower’s ability to repay, in a timely fashion, both principal and interest. The Company's risk-rating and loan grading policies are reviewed and approved annually. There were no material changes in the risk-rating or loan grading system for the periods presented. Risk Ratings 1-5: Pass Credits with risk ratings of 1 to 5 meet the definition of a pass risk rating. The strength of credits vary within the pass risk ratings, ranging from a risk rated 1 being an exceptional credit to a risk rated 5 being an acceptable credit that requires a more than normal level of supervision. Risk Rating 6: Special Mention A credit with potential weaknesses that deserves management’s close attention is risk rated a 6. If left uncorrected, these potential weaknesses will result in deterioration in the capacity to repay debt. A key distinction between Special Mention and Substandard is that in a Special Mention credit, there are identified weaknesses that pose potential risk(s) to the repayment sources, versus well defined weaknesses that pose risk(s) to the repayment sources. Assets in this category are expected to be in this category no more than 9 - 12 months as the potential weaknesses in the credit are resolved. Risk Rating 7: Substandard A credit with well defined weaknesses that jeopardize the ability to repay in full is risk rated a 7. These credits are inadequately protected by either the sound net worth and payment capacity of the borrower or the value of pledged collateral. These are credits with a distinct possibility of loss. Loans headed for foreclosure and/or legal action due to deterioration are rated 7 or worse. Risk Rating 8: Doubtful A credit with an extremely high probability of loss is risk rated 8. These credits have all the same critical weaknesses that are found in a substandard loan; however, the weaknesses are elevated to the point that based upon current information, collection or liquidation in full is improbable. While some loss on doubtful credits is expected, pending events may make the amount and timing of any loss indeterminable. In these situations taking the loss is inappropriate until the outcome of the pending event is clear. Risk Rating 9: Loss A credit that is considered to be currently uncollectible or of such little value that it is no longer a viable bank asset is risk rated 9. Losses should be taken in the accounting period in which the credit is determined to be uncollectible. Taking a loss does not mean that a credit has absolutely no recovery or salvage value but, rather, it is not practical or desirable to defer writing off the credit, even though partial recovery may occur in the future. The following tables present the Company’s portfolio of risk-rated loans by grade as of March 31, 2020 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Commercial real estate - owner occupied Risk Rating Pass $ 86,515 $ 209,528 $ 171,907 $ 133,579 $ 109,177 $ 280,979 $ 7,927 $ 999,612 Special Mention — 2,438 1,369 2,353 — 103 — 6,263 Substandard — 500 — 5,805 1,295 10,614 — 18,214 Doubtful — — — — — — — — Loss — — — — — — — — Total Commercial real estate - owner occupied $ 86,515 $ 212,466 $ 173,276 $ 141,737 $ 110,472 $ 291,696 $ 7,927 $ 1,024,089 Commercial real estate - investment properties Risk Rating Pass $ 42,548 $ 296,128 $ 347,941 $ 309,865 $ 328,239 $ 631,602 $ 30,284 $ 1,986,607 Special Mention — 3,360 — — — 976 — 4,336 Substandard — 3,934 2,405 — 442 9,813 — 16,594 Doubtful — — — — — — — — Loss — — — — — — — — Total Commercial real estate - investment properties $ 42,548 $ 303,422 $ 350,346 $ 309,865 $ 328,681 $ 642,391 $ 30,284 $ 2,007,537 Multifamily real estate Risk Rating Pass $ 21,907 $ 72,099 $ 45,457 $ 102,668 $ 47,554 $ 108,743 $ 1,778 $ 400,206 Special Mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total Multifamily real estate $ 21,907 $ 72,099 $ 45,457 $ 102,668 $ 47,554 $ 108,743 $ 1,778 $ 400,206 March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Commercial construction Risk Rating Pass $ 17,290 $ 101,679 $ 55,535 $ 9,326 $ 2,231 $ 1,599 $ — $ 187,660 Special Mention — — 6,197 — — — — 6,197 Substandard — 11,521 — — 98 — — 11,619 Doubtful — — — — — — — — Loss — — — — — — — — Total Commercial construction $ 17,290 $ 113,200 $ 61,732 $ 9,326 $ 2,329 $ 1,599 $ — $ 205,476 Multifamily construction Risk Rating Pass $ 39,395 $ 115,501 $ 76,925 $ 12,945 $ — $ — $ 5,644 $ 250,410 Special Mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total Multifamily construction $ 39,395 $ 115,501 $ 76,925 $ 12,945 $ — $ — $ 5,644 $ 250,410 One- to four- family construction Risk Rating Pass $ 143,457 $ 357,179 $ 11,536 $ — $ 7 $ — $ 5,058 $ 517,237 Special Mention 2,254 13,540 — — — — 630 16,424 Substandard — 1,295 — — — — — 1,295 Doubtful — — — — — — — — Loss — — — — — — — — Total One- to four- family construction $ 145,711 $ 372,014 $ 11,536 $ — $ 7 $ — $ 5,688 $ 534,956 March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Land and land development Risk Rating Pass $ 36,452 $ 126,901 $ 44,296 $ 10,708 $ 7,275 $ 6,580 $ 260 $ 232,472 Special Mention — — — — — — — — Substandard — 34 — — — — — 34 Doubtful — — — — — — — — Loss — — — — — — — — Total Land and land development $ 36,452 $ 126,935 $ 44,296 $ 10,708 $ 7,275 $ 6,580 $ 260 $ 232,506 Commercial business Risk Rating Pass $ 74,684 $ 284,798 $ 228,436 $ 98,502 $ 52,755 $ 89,037 $ 466,294 $ 1,294,506 Special Mention 65 1,314 5,021 1,472 4,846 5,091 8,635 26,444 Substandard 2,904 2,199 7,548 3,934 293 949 19,040 36,867 Doubtful — — — — — — — — Loss — — — — — — — — Total Commercial business $ 77,653 $ 288,311 $ 241,005 $ 103,908 $ 57,894 $ 95,077 $ 493,969 $ 1,357,817 Agricultural business including secured by farmland Risk Rating Pass $ 17,928 $ 64,309 $ 35,934 $ 26,835 $ 27,403 $ 35,133 $ 102,965 $ 310,507 Special Mention — 1,328 — 919 676 1,418 — 4,341 Substandard 625 5,523 5,974 191 62 707 2,327 15,409 Doubtful — — — — — — — — Loss — — — — — — — — Total Agricultural business including secured by farmland $ 18,553 $ 71,160 $ 41,908 $ 27,945 $ 28,141 $ 37,258 $ 105,292 $ 330,257 The following table presents the Company’s portfolio of non-risk-rated loans by delinquency status as of March 31, 2020 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Small balance CRE Past Due Category Current $ 3,076 $ 72,221 $ 91,455 $ 75,742 $ 80,463 $ 265,178 $ 1,189 $ 589,324 30-59 Days Past Due — 380 382 — — 738 — 1,500 60-89 Days Past Due — — — — — 396 — 396 90 Days + Past Due — — — 340 — 223 — 563 Total Small balance CRE $ 3,076 $ 72,601 $ 91,837 $ 76,082 $ 80,463 $ 266,535 $ 1,189 $ 591,783 Small business scored Past Due Category Current $ 49,408 $ 176,863 $ 161,438 $ 115,884 $ 60,448 $ 85,896 $ 151,905 $ 801,842 30-59 Days Past Due 31 459 215 977 68 325 466 2,541 60-89 Days Past Due — 184 150 197 55 — 5 591 90 Days + Past Due — 243 568 715 610 152 277 2,565 Total Small business scored $ 49,439 $ 177,749 $ 162,371 $ 117,773 $ 61,181 $ 86,373 $ 152,653 $ 807,539 One- to four- family residential Past Due Category Current $ 10,298 $ 119,074 $ 141,540 $ 156,046 $ 77,252 $ 357,521 $ 4,801 $ 866,532 30-59 Days Past Due 559 4,107 639 1,615 264 5,215 — 12,399 60-89 Days Past Due 21 — — — — 82 — 103 90 Days + Past Due 358 — 607 45 — 1,343 — 2,353 Total One- to four- family residential $ 11,236 $ 123,181 $ 142,786 $ 157,706 $ 77,516 $ 364,161 $ 4,801 $ 881,387 March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Consumer—home equity revolving lines of credit Past Due Category Current $ 14,227 $ 2,053 $ 1,774 $ 2,137 $ 1,223 $ 3,840 $ 493,903 $ 519,157 30-59 Days Past Due — — — — — 14 664 678 60-89 Days Past Due — — — — — 267 — 267 90 Days + Past Due — — — 520 297 158 541 1,516 Total Consumer—home equity revolving lines of credit $ 14,227 $ 2,053 $ 1,774 $ 2,657 $ 1,520 $ 4,279 $ 495,108 $ 521,618 Consumer-other Past Due Category Current $ 7,199 $ 22,156 $ 21,985 $ 18,571 $ 12,885 $ 26,316 $ 30,214 $ 139,326 30-59 Days Past Due 102 21 174 78 100 95 78 648 60-89 Days Past Due — 30 29 17 — 10 54 140 90 Days + Past Due — — — — 49 — — 49 Total Consumer-other $ 7,301 $ 22,207 $ 22,188 $ 18,666 $ 13,034 $ 26,421 $ 30,346 $ 140,163 The following tables present the Company’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristics as of December 31, 2019 (in thousands): December 31, 2019 By class: Pass (Risk Ratings 1-5) (1) Special Mention Substandard Doubtful Loss Total Loans Commercial real estate: Owner-occupied $ 1,546,649 $ 4,198 $ 29,803 $ — $ — $ 1,580,650 Investment properties 2,288,785 2,193 18,243 — — 2,309,221 Multifamily real estate 472,856 — 296 — — 473,152 Commercial construction 198,986 — 11,682 — — 210,668 Multifamily construction 233,610 — — — — 233,610 One- to four-family construction 530,307 12,534 1,467 — — 544,308 Land and land development: Residential 154,348 — 340 — — 154,688 Commercial 26,256 — 34 — — 26,290 Commercial business 1,627,170 31,012 35,584 58 — 1,693,824 Agricultural business, including secured by farmland 352,408 10,840 7,301 — — 370,549 One- to four-family residential 940,424 409 4,789 — — 945,622 Consumer: Consumer secured by one- to four-family 547,388 — 3,572 — — 550,960 Consumer—other 211,475 3 337 — — 211,815 Total $ 9,130,662 $ 61,189 $ 113,448 $ 58 $ — $ 9,305,357 (1) The Pass category includes some performing loans that are part of homogenous pools which are not individually risk-rated. This includes all consumer loans, all one- to four-family residential loans and, as of December 31, 2019 , in the commercial business category, $764.6 million of credit-scored small business loans. As loans in these pools become non-performing, they are individually risk-rated. The following table provides the amortized cost basis of collateral-dependent loans as of March 31, 2020 (in thousands). Our collateral dependent loans presented in the table below have no significant concentrations by property type or location. The table below includes one commercial banking relationship with a balance of $14.7 million. March 31, 2020 Real Estate Accounts Receivable Equipment Inventory Total Commercial real estate: Owner-occupied $ 1,838 $ — $ — $ — $ 1,838 Investment properties 3,421 — — — 3,421 Small Balance CRE 1,367 — — — 1,367 Multifamily real estate — — — — — Construction, land and land development: Commercial construction — — — — — Multifamily construction — — — — — One- to four-family construction 964 — — — 964 Land and land development — — — — — Commercial business Commercial business 2,851 11,344 4,597 1,215 20,007 Small business Scored 48 — 49 — 97 Agricultural business, including secured by farmland — — — — — One- to four-family residential 868 — — — 868 Consumer: Consumer—home equity revolving lines of credit — — — — — Consumer—other — — — — — Total $ 11,357 $ 11,344 $ 4,646 $ 1,215 $ 28,562 The following tables provide additional detail on the age analysis of the Company’s past due loans as of March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Non-accrual with no Allowance Total Non-accrual (1) Loans 90 Days or More Past Due and Accruing Commercial real estate: Owner-occupied $ 1,209 $ — $ 1,837 $ 3,046 $ 1,021,043 $ 1,024,089 $ 1,837 $ 2,243 $ — Investment properties 607 — 3,888 4,495 2,003,042 2,007,537 3,420 3,863 24 Small Balance CRE 1,500 396 563 2,459 589,324 591,783 1,222 2,406 — Multifamily real estate — — — — 400,206 400,206 — — — Construction, land and land development: Commercial construction 11,521 — 1,505 13,026 192,450 205,476 — 98 1,407 Multifamily construction — — — — 250,410 250,410 — — — One- to four-family construction 1,027 — 964 1,991 532,965 534,956 964 1,295 — Land and land development 1,783 — — 1,783 230,723 232,506 — — — Commercial business Commercial business 4,849 537 1,508 6,894 1,350,923 1,357,817 198 21,737 — Small business scored 2,541 591 2,565 5,697 801,842 807,539 98 3,290 77 Agricultural business, including secured by farmland 580 2,083 894 3,557 326,700 330,257 — 495 461 One- to four-family residential 12,399 103 2,353 14,855 866,532 881,387 865 3,045 1,089 Consumer: Consumer—home equity revolving lines of credit 678 267 1,516 2,461 519,157 521,618 — 1,713 320 Consumer—other 648 140 49 837 139,326 140,163 — 99 — Total $ 39,342 $ 4,117 $ 17,642 $ 61,101 $ 9,224,643 $ 9,285,744 $ 8,604 $ 40,284 $ 3,378 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Purchased Credit-Impaired Current Total Loans Loans 90 Days or More Past Due and Accruing Total Non-accrual (1) Commercial real estate: Owner-occupied $ 486 $ 1,246 $ 2,889 $ 4,621 $ 8,578 $ 1,567,451 $ 1,580,650 $ 89 $ 4,069 Investment properties — 260 1,883 2,143 6,345 2,300,733 2,309,221 — 1,883 Multifamily real estate 239 91 — 330 7 472,815 473,152 — 85 Commercial construction 1,397 — 98 1,495 — 209,173 210,668 — 98 Multifamily construction — — — — — 233,610 233,610 — — One-to-four-family construction 3,212 — 1,799 5,011 — 539,297 544,308 332 1,467 Land and land development: Residential — — 340 340 — 154,348 154,688 — 340 Commercial — — — — — 26,290 26,290 — — Commercial business 2,343 1,583 3,412 7,338 368 1,686,118 1,693,824 401 23,015 Agricultural business, including secured by farmland 1,972 129 584 2,685 393 367,471 370,549 — 661 One-to four-family residential 3,777 1,088 2,876 7,741 74 937,807 945,622 877 3,410 Consumer: Consumer secured by one- to four-family 1,174 327 1,846 3,347 110 547,503 550,960 398 2,314 Consumer—other 350 161 — 511 63 211,241 211,815 — 159 Total $ 14,950 $ 4,885 $ 15,727 $ 35,562 $ 15,938 $ 9,253,857 $ 9,305,357 $ 2,097 $ 37,501 (1) The Company did not recognize any interest income on non-accrual loans during both the three months ended March 31, 2020 and the year ended December 31, 2019 . The following table provides the activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2020 (in thousands): For the Three Months Ended March 31, 2020 Commercial Real Estate Multifamily Real Estate Construction and Land Commercial Business Agricultural Business One- to Four-Family Residential Consumer Unallocated Total Allowance for credit losses: Beginning balance $ 30,591 $ 4,754 $ 22,994 $ 23,370 $ 4,120 $ 4,136 $ 8,202 $ 2,392 $ 100,559 Impact of Adopting Topic 326 (2,864 ) (2,204 ) 2,515 3,010 (351 ) 7,125 2,973 7,812 Provision/(recapture) for credit losses 1,545 321 8,708 6,447 (1,006 ) 539 5,159 — 21,713 Recoveries 167 — — 205 1,750 148 96 — 2,366 Charge-offs (100 ) (66 ) — (1,384 ) — (64 ) (348 ) — (1,962 ) Ending balance $ 29,339 $ 2,805 $ 34,217 $ 31,648 $ 4,513 $ 11,884 $ 16,082 $ — $ 130,488 The changes in the allowance for credit losses during the three months ended March 31, 2020 were primarily the result of the $21.7 million provision for credit losses recorded during the current quarter, mostly due to the deterioration in the economy during the current quarter as a result of the COVID-19 pandemic, as well as forecasted additional future economic deterioration based on the reasonable and supportable economic forecast as of March 31, 2020 . In addition, the change for the current quarter included a $7.8 million increase related to the adoption of Financial Instruments - Credit Losses (Topic 326). The following tables provide additional information on the allowance for loan losses and loan balances individually and collectively evaluated for impairment at or for the three months ended March 31, 2019 (in thousands): For the Three Months Ended March 31, 2019 Commercial Real Estate Multifamily Construction and Land Commercial Business Agricultural Business One- to Four-Family Residential Consumer Unallocated Total Allowance for loan losses: Beginning balance $ 27,132 $ 3,818 $ 24,442 $ 19,438 $ 3,778 $ 4,714 $ 7,972 $ 5,191 $ 96,485 Provision/(recapture) for loan losses 369 202 (751 ) (209 ) (178 ) (46 ) 269 2,344 2,000 Recoveries 21 — 22 23 — 43 110 — 219 Charge-offs (431 ) — — (590 ) (4 ) — (371 ) — (1,396 ) Ending balance $ 27,091 $ 4,020 $ 23,713 $ 18,662 $ 3,596 $ 4,711 $ 7,980 $ 7,535 $ 97,308 March 31, 2019 Commercial Real Estate Multifamily Construction and Land Commercial Business Agricultural Business One- to Four-Family Residential Consumer Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 240 $ — $ — $ 12 $ 66 $ 59 $ 8 $ — $ 385 Collectively evaluated for impairment 26,851 4,020 23,713 18,627 3,472 4,652 7,972 7,535 96,842 Purchased credit-impaired loans — — — 23 58 — — — 81 Total allowance for loan losses $ 27,091 $ 4,020 $ 23,713 $ 18,662 $ 3,596 $ 4,711 $ 7,980 $ 7,535 $ 97,308 Loan balances: Individually evaluated for impairment $ 9,806 $ — $ 2,988 $ 514 $ 4,110 $ 4,116 $ 193 $ — $ 21,727 Collectively evaluated for impairment 3,545,162 387,014 1,093,159 1,523,166 368,781 963,370 776,948 — 8,657,600 Purchased credit impaired loans 11,805 128 — 618 431 95 253 — 13,330 Total loans $ 3,566,773 $ 387,142 $ 1,096,147 $ 1,524,298 $ 373,322 $ 967,581 $ 777,394 $ — $ 8,692,657

GOODWILL, OTHER INTANGIBLE ASSE

GOODWILL, OTHER INTANGIBLE ASSETS AND MORTGAGE SERVICING RIGHTS	3 Months Ended
	Mar. 31, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL, OTHER INTANGIBLE ASSETS AND MORTGAGE SERVICING RIGHTS	GOODWILL, OTHER INTANGIBLE ASSETS AND MORTGAGE SERVICING RIGHTS Goodwill and Other Intangible Assets: At March 31, 2020 , intangible assets are comprised of goodwill and CDI acquired in business combinations. Goodwill represents the excess of the purchase consideration paid over the fair value of the assets acquired, net of the fair values of liabilities assumed in a business combination, and is not amortized but is reviewed at least annually for impairment. Banner has identified one reporting unit for purposes of evaluating goodwill for impairment. At March 31, 2020 , the Company completed its qualitative assessment of goodwill and concluded that it is more likely than not that the fair value of Banner, the reporting unit, exceeds the carrying value. If adverse economic conditions or the recent decrease in our stock price and market capitalization as a result of the COVID-19 pandemic were to be deemed sustained in the future rather than temporary, it may significantly affect the fair value of our goodwill and may trigger impairment charges. CDI represents the value of transaction-related deposits and the value of the customer relationships associated with the deposits. At December 31, 2018 intangible assets also included favorable leasehold intangibles (LHI). LHI represented the value ascribed to leases assumed in an acquisition in which the lease terms are favorable compared to a market lease at the date of acquisition. LHI was reclassified to the right of use lease asset in connection with the adoption of Lease Topic 842 on January 1, 2019. The Company amortizes CDI assets over their estimated useful lives and reviews them at least annually for events or circumstances that could impair their value. The following table summarizes the changes in the Company’s goodwill and other intangibles for the three months ended March 31, 2020 and the year ended December 31, 2019 (in thousands): Goodwill CDI LHI Total Balance, December 31, 2018 $ 339,154 $ 32,699 $ 225 $ 372,078 Additions through acquisitions (1) 33,967 4,610 — 38,577 Amortization — (8,151 ) — (8,151 ) Adjustments (2) — — (225 ) (225 ) Balance, December 31, 2019 373,121 29,158 — 402,279 Amortization — (2,001 ) — (2,001 ) Balance, March 31, 2020 $ 373,121 $ 27,157 $ — $ 400,278 (1) The additions to Goodwill and CDI in 2019 relate to the acquisition of AltaPacific. (2) The adjustment to LHI represents a reclassification to the right-of-use lease asset in connection with the implementation of Lease Topic 842. The following table presents the estimated amortization expense with respect to CDI as of March 31, 2020 for the periods indicated (in thousands): Estimated Amortization Remainder of 2020 $ 5,730 2021 6,571 2022 5,317 2023 3,814 2024 2,659 Thereafter 3,066 $ 27,157 Mortgage Servicing Rights: Mortgage servicing rights are reported in other assets. Mortgage servicing rights are initially recorded at fair value and are amortized in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Mortgage servicing rights are subsequently evaluated for impairment based upon the fair value of the rights compared to the amortized cost (remaining unamortized initial fair value). If the fair value is less than the amortized cost, a valuation allowance is created through an impairment charge, which is recognized in servicing fee income within mortgage banking operations on the consolidated statement of operations. However, if the fair value is greater than the amortized cost, the amount above the amortized cost is not recognized in the carrying value. During the three months ended March 31, 2020 and 2019 , the Company did not record any impairment charges or recoveries against mortgage servicing rights. The unpaid principal balance for loans which mortgage servicing rights have been recorded totaled $2.53 billion and $2.48 billion at March 31, 2020 and December 31, 2019 , respectively. Custodial accounts maintained in connection with this servicing totaled $3.4 million and $12.0 million at March 31, 2020 and December 31, 2019 , respectively. An analysis of our mortgage servicing rights for the three months ended March 31, 2020 and 2019 is presented below (in thousands): Three Months Ended 2020 2019 Balance, beginning of the period $ 14,148 $ 14,638 Additions—amounts capitalized 1,420 672 Additions—through purchase 63 47 Amortization (1) (1,354 ) (940 ) Balance, end of the period (2) $ 14,277 $ 14,417 (1) Amortization of mortgage servicing rights is recorded as a reduction of loan servicing income within mortgage banking operations and any unamortized balance is fully amortized if the loan repays in full. (2) There was no valuation allowance as of March 31, 2020 and 2019 .

REAL ESTATE OWNED, NET

REAL ESTATE OWNED, NET	3 Months Ended
	Mar. 31, 2020
Real Estate [Abstract]
REAL ESTATE OWNED, NET	REAL ESTATE OWNED, NET The following table presents the changes in REO for the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended 2020 2019 Balance, beginning of the period $ 814 $ 2,611 Additions from loan foreclosures 1,588 — Balance, end of the period $ 2,402 $ 2,611 REO properties are recorded at the estimated fair value of the property, less expected selling costs, establishing a new cost basis. Subsequently, REO properties are carried at the lower of the new cost basis or updated fair market values, based on updated appraisals of the underlying properties, as received. Valuation allowances on the carrying value of REO may be recognized based on updated appraisals or on management’s authorization to reduce the selling price of a property. The Company had $727,000 of foreclosed one- to four-family residential real estate properties held as REO at March 31, 2020 and $48,000 at December 31, 2019 . The recorded investment in one- to four-family residential loans in the process of foreclosure was $313,000 at March 31, 2020 compared with $1.5 million at December 31, 2019 .

DEPOSITS

DEPOSITS	3 Months Ended
	Mar. 31, 2020
Banking and Thrift [Abstract]
DEPOSITS	DEPOSITS Deposits consisted of the following at March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 December 31, 2019 Non-interest-bearing accounts $ 4,107,262 $ 3,945,000 Interest-bearing checking 1,331,860 1,280,003 Regular savings accounts 1,997,265 1,934,041 Money market accounts 1,846,844 1,769,194 Total interest-bearing transaction and saving accounts 5,175,969 4,983,238 Certificates of deposit: Certificates of deposit less than or equal to $250,000 972,667 936,940 Certificates of deposit greater than $250,000 193,639 183,463 Total certificates of deposit (1) 1,166,306 1,120,403 Total deposits $ 10,449,537 $ 10,048,641 Included in total deposits: Public fund transaction and savings accounts $ 246,312 $ 244,418 Public fund interest-bearing certificates 48,232 35,184 Total public deposits $ 294,544 $ 279,602 Total brokered deposits $ 250,977 $ 202,884 (1) Certificates of deposit include $206,000 and $269,000 of acquisition premiums at March 31, 2020 and December 31, 2019 , respectively. At March 31, 2020 and December 31, 2019 , the Company had certificates of deposit of $198.6 million and $189.0 million , respectively, that were equal to or greater than $250,000. Scheduled maturities and weighted average interest rates of certificates of deposit at March 31, 2020 are as follows (dollars in thousands): March 31, 2020 Amount Weighted Average Rate Maturing in one year or less $ 887,586 1.24 % Maturing after one year through two years 175,730 1.76 Maturing after two years through three years 76,073 1.81 Maturing after three years through four years 11,742 1.97 Maturing after four years through five years 12,652 1.97 Maturing after five years 2,523 1.14 Total certificates of deposit $ 1,166,306 1.37 %

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
FAIR VALUE ACCOUNTING AND MEASUREMENT	FAIR VALUE OF FINANCIAL INSTRUMENTS The following table presents estimated fair values of the Company’s financial instruments as of March 31, 2020 and December 31, 2019 , whether or not measured at fair value in the Consolidated Statements of Financial Condition (dollars in thousands): March 31, 2020 December 31, 2019 Level Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Assets: Cash and cash equivalents 1 $ 295,001 $ 295,001 $ 307,735 $ 307,735 Securities—trading 3 21,040 21,040 25,636 25,636 Securities—available-for-sale 2 1,608,224 1,608,224 1,551,557 1,551,557 Securities—held-to-maturity 2 435,119 446,412 233,241 234,952 Securities—held-to-maturity 3 2,825 2,825 2,853 2,853 Loans held for sale 2 182,428 182,766 210,447 210,670 Loans receivable 3 9,285,744 9,272,174 9,305,357 9,304,340 FHLB stock 3 20,247 20,247 28,342 28,342 Bank-owned life insurance 1 193,140 193,140 192,088 192,088 Mortgage servicing rights 3 14,277 20,931 14,148 22,611 Derivatives: Interest rate swaps 2 42,687 42,687 15,202 15,202 Interest rate lock and forward sales commitments 2,3 3,325 3,325 1,108 1,108 Liabilities: Demand, interest checking and money market accounts 2 7,285,966 7,285,966 6,994,197 6,994,197 Regular savings 2 1,997,265 1,997,265 1,934,041 1,934,041 Certificates of deposit 2 1,166,306 1,173,126 1,120,403 1,117,921 FHLB advances 2 247,000 251,978 450,000 452,720 Other borrowings 2 128,764 128,764 118,474 118,474 Junior subordinated debentures 3 99,795 99,795 119,304 119,304 Derivatives: Interest rate swaps 2 23,280 23,280 10,966 10,966 Interest rate lock and forward sales commitments 2 4,448 4,448 674 674 The Company measures and discloses certain assets and liabilities at fair value. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (that is, not a forced liquidation or distressed sale). GAAP establishes a consistent framework for measuring fair value and disclosure requirements about fair value measurements. Among other things, the accounting standard requires the reporting entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company’s estimates for market assumptions. These two types of inputs create the following fair value hierarchy: • Level 1 – Quoted prices in active markets for identical instruments. An active market is a market in which transactions occur with sufficient frequency and volume to provide pricing information on an ongoing basis. A quoted price in an active market provides the most reliable evidence of fair value and shall be used to measure fair value whenever available. • Level 2 – Observable inputs other than Level 1 including quoted prices in active markets for similar instruments, quoted prices in less active markets for identical or similar instruments, or other observable inputs that can be corroborated by observable market data. • Level 3 – Unobservable inputs supported by little or no market activity for financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation; also includes observable inputs from non-binding single dealer quotes not corroborated by observable market data. The estimated fair value amounts of financial instruments have been determined by the Company using available market information and appropriate valuation methodologies. However, considerable judgment is required to interpret data to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize at a future date. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts. In addition, reasonable comparability between financial institutions may not be likely due to the wide range of permitted valuation techniques and numerous estimates that must be made given the absence of active secondary markets for certain financial instruments. This lack of uniform valuation methodologies also introduces a greater degree of subjectivity to these estimated fair values. Transfers between levels of the fair value hierarchy are deemed to occur at the end of the reporting period. Items Measured at Fair Value on a Recurring Basis: The following tables present financial assets and liabilities measured at fair value on a recurring basis and the level within the fair value hierarchy of the fair value measurements for those assets and liabilities as of March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 Level 1 Level 2 Level 3 Total Assets: Securities—trading Corporate bonds (Trust Preferred Securities) $ — $ — $ 21,040 $ 21,040 Securities—available-for-sale U.S. Government and agency obligations — 81,763 — 81,763 Municipal bonds — 181,039 — 181,039 Corporate bonds — 30,986 — 30,986 Mortgage-backed or related securities — 1,306,799 — 1,306,799 Asset-backed securities — 7,637 — 7,637 — 1,608,224 — 1,608,224 Loans held for sale — 169,239 — 169,239 Derivatives Interest rate swaps — 42,687 — 42,687 Interest rate lock and forward sales commitments — 808 2,517 3,325 $ — $ 1,820,958 $ 23,557 $ 1,844,515 Liabilities: Junior subordinated debentures, net of unamortized deferred issuance costs $ — $ — $ 99,795 $ 99,795 Derivatives Interest rate swaps — 23,280 — 23,280 Interest rate lock and forward sales commitments — 4,448 — 4,448 $ — $ 27,728 $ 99,795 $ 127,523 December 31, 2019 Level 1 Level 2 Level 3 Total Assets: Securities—trading Corporate bonds (Trust Preferred Securities) $ — $ — $ 25,636 $ 25,636 Securities—available-for-sale U.S. Government and agency obligations — 89,598 — 89,598 Municipal bonds — 107,157 — 107,157 Corporate bonds — 4,365 — 4,365 Mortgage-backed securities — 1,342,311 — 1,342,311 Asset-backed securities — 8,126 — 8,126 — 1,551,557 — 1,551,557 Loans held for sale — 199,397 — 199,397 Equity securities — — — — Derivatives Interest rate swaps — 15,202 — 15,202 Interest rate lock and forward sales commitments — 317 791 1,108 $ — $ 1,766,473 $ 26,427 $ 1,792,900 Liabilities: Junior subordinated debentures, net of unamortized deferred issuance costs $ — $ — $ 119,304 $ 119,304 Derivatives Interest rate swaps — 10,966 — 10,966 Interest rate lock and forward sales commitments — 674 — 674 $ — $ 11,640 $ 119,304 $ 130,944 The following methods were used to estimate the fair value of each class of financial instruments above: Securities: The estimated fair values of investment securities and mortgaged-backed securities are priced using current active market quotes, if available, which are considered Level 1 measurements. For most of the portfolio, matrix pricing based on the securities’ relationship to other benchmark quoted prices is used to establish the fair value. These measurements are considered Level 2. Due to the continued limited activity in the trust preferred markets that have limited the observability of market spreads for some of the Company’s TPS securities, management has classified these securities as a Level 3 fair value measure. Management periodically reviews the pricing information received from third-party pricing services and tests those prices against other sources to validate the reported fair values. Loans Held for Sale: Fair values for residential mortgage loans held for sale are determined by comparing actual loan rates to current secondary market prices for similar loans. Fair values for multifamily loans held for sale are calculated based on discounted cash flows using as a discount rate a combination of market spreads for similar loan types added to selected index rates. Mortgage Servicing Rights: Fair values are estimated based on an independent dealer analysis of discounted cash flows. The evaluation utilizes assumptions market participants would use in determining fair value including prepayment speeds, delinquency and foreclosure rates, the discount rate, servicing costs, and the timing of cash flows. The mortgage servicing portfolio is stratified by loan type and fair value estimates are adjusted up or down based on the serviced loan interest rates versus current rates on new loan originations since the most recent independent analysis. Junior Subordinated Debentures: The fair value of junior subordinated debentures is estimated using an income approach technique. The significant inputs included in the estimation of fair value are the credit risk adjusted spread and three month LIBOR. The credit risk adjusted spread represents the nonperformance risk of the liability. The Company utilizes an external valuation firm to validate the reasonableness of the credit risk adjusted spread used to determine the fair value. The junior subordinated debentures are carried at fair value which represents the estimated amount that would be paid to transfer these liabilities in an orderly transaction amongst market participants. Due to inactivity in the trust preferred markets that have limited the observability of market spreads, management has classified this as a Level 3 fair value measure. Derivatives: Derivatives include interest rate swap agreements, interest rate lock commitments to originate loans held for sale and forward sales contracts to sell loans and securities related to mortgage banking activities. Fair values for these instruments, which generally change as a result of changes in the level of market interest rates, are estimated based on dealer quotes and secondary market sources. Off-Balance Sheet Items: Off-balance sheet financial instruments include unfunded commitments to extend credit, including standby letters of credit, and commitments to purchase investment securities. The fair value of these instruments is not considered to be material. Limitations: The fair value estimates presented herein are based on pertinent information available to management as of March 31, 2020 and December 31, 2019 . The factors used in the fair values estimates are subject to change subsequent to the dates the fair value estimates are completed, therefore, current estimates of fair value may differ significantly from the amounts presented herein. Assets and Liabilities Measured at Fair Value Using Significant Unobservable Inputs (Level 3): The following table provides a description of the valuation technique, unobservable inputs, and qualitative information about the unobservable inputs for certain of the Company's assets and liabilities classified as Level 3 and measured at fair value on a recurring and non-recurring basis at March 31, 2020 and December 31, 2019 : Weighted Average Rate / Range Financial Instruments Valuation Techniques Unobservable Inputs March 31, 2020 December 31, 2019 Corporate bonds (TPS securities) Discounted cash flows Discount rate 6.70 % 5.91 % Junior subordinated debentures Discounted cash flows Discount rate 6.70 % 5.91 % Loans individually evaluated Collateral valuations Discount to appraised value 0.0% to 20.0% 0.0% to 20.0% REO Appraisals Discount to appraised value 52.03 % 58.50 % Interest rate lock commitments Pricing model Pull-through rate 84.19 % 89.61 % TPS securities : Management believes that the credit risk-adjusted spread used to develop the discount rate utilized in the fair value measurement of TPS securities is indicative of the risk premium a willing market participant would require under current market conditions for instruments with similar contractual rates and terms and conditions and issuers with similar credit risk profiles and with similar expected probability of default. Management attributes the change in fair value of these instruments, compared to their par value, primarily to perceived general market adjustments to the risk premiums for these types of assets subsequent to their issuance. Junior subordinated debentures : Similar to the TPS securities discussed above, management believes that the credit risk-adjusted spread utilized in the fair value measurement of the junior subordinated debentures is indicative of the risk premium a willing market participant would require under current market conditions for an issuer with Banner's credit risk profile. Management attributes the change in fair value of the junior subordinated debentures, compared to their par value, primarily to perceived general market adjustments to the risk premiums for these types of liabilities subsequent to their issuance. Future contractions in the risk adjusted spread relative to the spread currently utilized to measure the Company's junior subordinated debentures at fair value as of March 31, 2020 , or the passage of time, will result in negative fair value adjustments. At March 31, 2020 , the discount rate utilized was based on a credit spread of 550 basis points and three-month LIBOR of 120 basis points. Interest rate lock commitments: The fair value of the interest rate lock commitments is based on secondary market sources adjusted for an estimated pull-through rate. The pull-through rate is based on historical loan closing rates for similar interest rate lock commitments. An increase or decrease in the pull-through rate would have a corresponding, positive or negative fair value adjustment. The following tables provide a reconciliation of the assets and liabilities measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended March 31, 2020 Level 3 Fair Value Inputs TPS Securities Borrowings—Junior Subordinated Debentures Beginning balance $ 25,636 $ 119,304 Total gains or losses recognized Assets losses (4,596 ) — Liabilities gains — (19,509 ) Ending balance at March 31, 2020 $ 21,040 $ 99,795 Three Months Ended March 31, 2019 Level 3 Fair Value Inputs TPS Securities Borrowings—Junior Subordinated Debentures Beginning balance $ 25,896 $ 114,091 Total gains or losses recognized Assets gains (58 ) — Liabilities losses — (174 ) Ending balance at March 31, 2019 $ 25,838 $ 113,917 Interest income and dividends from the TPS securities are recoded as a component of interest income. Interest expense related to the junior subordinated debentures is measured based on contractual interest rates and reported in interest expense. The change in fair value of the junior subordinated debentures, which represents changes in instrument specific credit risk, is recorded in other comprehensive income. Items Measured at Fair Value on a Non-recurring Basis: The following tables present financial assets measured at fair value on a non-recurring basis and the level within the fair value hierarchy of the fair value measurements for those assets as of March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 Level 1 Level 2 Level 3 Total Loans individually evaluated $ — $ — $ 19,954 $ 19,954 REO — — 2,402 2,402 December 31, 2019 Level 1 Level 2 Level 3 Total Impaired loans $ — $ — $ 14,853 $ 14,853 REO — — 814 814 The following table presents the losses resulting from non-recurring fair value adjustments for the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended March 31, 2020 2019 Loans individually evaluated $ — $ (300 ) REO — — Total loss from non-recurring measurements $ — $ (300 ) Loans individually evaluated : Expected credit losses for loans evaluated individually are measured based on the present value of expected future cash flows discounted at the loan’s original effective interest rate or when the Bank determines that foreclosure is probable, the expected credit loss is measured based on the fair value of the collateral as of the reporting date, less estimated selling costs, as applicable. As a practical expedient, the Bank measures the expected credit loss for a loan using the fair value of the collateral, if repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty based on the Bank’s assessment as of the reporting date. In both cases, if the fair value of the collateral is less than the amortized cost basis of the loan, the Bank will recognize an allowance as the difference between the fair value of the collateral, less costs to sell (if applicable), at the reporting date and the amortized cost basis of the loan. If the fair value of the collateral exceeds the amortized cost basis of the loan, any expected recovery added to the amortized cost basis will be limited to the amount previously charged-off by the subsequent changes in the expected credit losses for loans evaluated individually are included within the provision for credit losses in the same manner in which the expected credit loss initially was recognized or as a reduction in the provision that would otherwise be reported. REO : The Company records REO (acquired through a lending relationship) at fair value on a non-recurring basis. Fair value adjustments on REO are based on updated real estate appraisals which are based on current market conditions. All REO properties are recorded at the lower of the estimated fair value of the real estate, less expected selling costs, or the carrying amount of the defaulted loans. From time to time, non-recurring fair value adjustments to REO are recorded to reflect partial write-downs based on an observable market price or current appraised value of property. Banner considers any valuation inputs related to REO to be Level 3 inputs. The individual carrying values of these assets are reviewed for impairment at least annually and any additional impairment charges are expensed to operations.

INCOME TAXES AND DEFERRED TAXES

INCOME TAXES AND DEFERRED TAXES	3 Months Ended
	Mar. 31, 2020
Income Tax Disclosure [Abstract]
INCOME TAXES AND DEFERRED TAXES	INCOME TAXES AND DEFERRED TAXES The Company files a consolidated income tax return including all of its wholly-owned subsidiaries on a calendar year basis. Income taxes are accounted for using the asset and liability method. Under this method, a deferred tax asset or liability is determined based on the enacted tax rates which will be in effect when the differences between the financial statement carrying amounts and tax basis of existing assets and liabilities are expected to be reported in the Company’s income tax returns. The effect on deferred taxes of a change in tax rates is recognized in income in the period of change. A valuation allowance is recognized as a reduction to deferred tax assets when management determines it is more likely than not that deferred tax assets will not be available to offset future income tax liabilities. Accounting standards for income taxes prescribe a recognition threshold and measurement process for financial statement recognition and measurement of uncertain tax positions taken or expected to be taken in a tax return, and also provide guidance on the de-recognition of previously recorded benefits and their classification, as well as the proper recording of interest and penalties, accounting in interim periods, disclosures and transition. The Company periodically reviews its income tax positions based on tax laws and regulations and financial reporting considerations, and records adjustments as appropriate. This review takes into consideration the status of current taxing authorities’ examinations of the Company’s tax returns, recent positions taken by the taxing authorities on similar transactions, if any, and the overall tax environment. As of March 31, 2020 , the Company had $275,000 of unrecognized tax benefits for uncertain tax positions, none of which would materially affect the effective tax rate if recognized. The Company does not anticipate that the amount of unrecognized tax benefits will significantly increase or decrease in the next twelve months. The Company’s policy is to recognize interest and penalties on unrecognized tax benefits in the income tax expense. The Company files consolidated income tax returns in the U.S. federal jurisdiction and in the Oregon, California, Utah, Idaho and Montana state jurisdictions. Tax credit investments: The Company invests in low income housing tax credit funds that are designed to generate a return primarily through the realization of federal tax credits. The Company accounts for these investments by amortizing the cost of tax credit investments over the life of the investment using a proportional amortization method and tax credit investment amortization expense is a component of the provision for income taxes. The following table presents the balances of the Company’s tax credit investments and related unfunded commitments at March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 December 31, 2019 Tax credit investments $ 33,811 $ 29,620 Unfunded commitments—tax credit investments 24,409 20,235 The following table presents other information related to the Company's tax credit investments for the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended 2020 2019 Tax credits and other tax benefits recognized $ 1,007 $ 494 Tax credit amortization expense included in provision for income taxes 809 405

CALCULATION OF WEIGHTED AVERAGE

CALCULATION OF WEIGHTED AVERAGE SHARES OUTSTANDING FOR EARNINGS PER SHARE (EPS)	3 Months Ended
	Mar. 31, 2020
Earnings Per Share [Abstract]
CALCULATION OF WEIGHTED AVERAGE SHARES OUTSTANDING FOR EARNINGS PER SHARE (EPS)	CALCULATION OF WEIGHTED AVERAGE SHARES OUTSTANDING FOR EARNINGS PER SHARE (EPS) The following table reconciles basic to diluted weighted average shares outstanding used to calculate earnings per share data for the three months ended March 31, 2020 and 2019 (in thousands, except shares and per share data): Three Months Ended 2020 2019 Net income $ 16,882 $ 33,346 Basic weighted average shares outstanding 35,463,541 35,050,376 Plus unvested restricted stock 176,922 121,680 Diluted weighted shares outstanding 35,640,463 35,172,056 Earnings per common share Basic $ 0.48 $ 0.95 Diluted $ 0.47 $ 0.95

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS	3 Months Ended
	Mar. 31, 2020
Share-based Payment Arrangement [Abstract]
STOCK-BASED COMPENSATION PLANS AND STOCK OPTIONS	STOCK-BASED COMPENSATION PLANS The Company operates the following stock-based compensation plans as approved by its shareholders: • 2014 Omnibus Incentive Plan (the 2014 Plan). • 2018 Omnibus Incentive Plan (the 2018 Plan). The purpose of these plans is to promote the success and enhance the value of the Company by providing a means for attracting and retaining highly skilled employees, officers and directors of Banner Corporation and its affiliates and linking their personal interests with those of the Company's shareholders. Under these plans the Company currently has outstanding restricted stock share grants and restricted stock unit grants. 2014 Omnibus Incentive Plan The 2014 Plan was approved by shareholders on April 22, 2014. The 2014 Plan provides for the grant of incentive stock options, non-qualified stock options, stock appreciation rights, restricted stock, restricted stock units, performance shares, performance units, other stock-based awards and other cash awards, and provides for vesting requirements which may include time-based or performance-based conditions. The Company reserved 900,000 shares of its common stock for issuance under the 2014 Plan in connection with the exercise of awards. As of March 31, 2020 , 295,318 restricted stock shares and 398,986 restricted stock units have been granted under the 2014 Plan of which 265,381 restricted stock shares and 134,848 restricted stock units have vested. 2018 Omnibus Incentive Plan The 2018 Plan was approved by shareholders on April 24, 2018. The 2018 Plan provides for the grant of incentive stock options, non-qualified stock options, stock appreciation rights, restricted stock, restricted stock units, performance shares, performance units, other stock-based awards and other cash awards, and provides for vesting requirements which may include time-based or performance-based conditions. The Company reserved 900,000 shares of common stock for issuance under the 2018 Plan in connection with the exercise of awards. As of March 31, 2020 , no shares and 365,063 units have been granted under the 2018 Plan. The expense associated with all restricted stock grants (including restricted stock shares and restricted stock units) was $1.9 million and $1.2 million for the three month periods ended March 31, 2020 and March 31, 2019 , respectively. Unrecognized compensation expense for these awards as of March 31, 2020 was $20.5 million and will be amortized over the next 36 months .

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	COMMITMENTS AND CONTINGENCIES Financial Instruments with Off-Balance-Sheet Risk — The Company has financial instruments with off-balance-sheet risk generated in the normal course of business to meet the financing needs of our customers. These financial instruments include commitments to extend credit, commitments related to standby letters of credit, commitments to originate loans, commitments to sell loans, commitments to buy and sell securities. These instruments involve, to varying degrees, elements of credit and interest rate risk similar to the risk involved in on-balance-sheet items recognized in our Consolidated Statements of Financial Condition. Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument from commitments to extend credit and standby letters of credit is represented by the contractual notional amount of those instruments. We use the same credit policies in making commitments and conditional obligations as for on-balance-sheet instruments. Outstanding commitments for which no asset or liability for the notional amount has been recorded consisted of the following at the dates indicated (in thousands): Contract or Notional Amount March 31, 2020 December 31, 2019 Commitments to extend credit $ 2,975,390 $ 3,051,681 Standby letters of credit and financial guarantees 15,619 14,298 Commitments to originate loans 75,180 39,676 Risk participation agreement 41,004 41,022 Derivatives also included in Note 14: Commitments to originate loans held for sale 191,119 66,196 Commitments to sell loans secured by one- to four-family residential properties 81,429 70,895 Commitments to sell securities related to mortgage banking activities 229,000 239,320 In addition to the commitments disclosed in the table above, the Company is committed to funding its' unfunded tax credit investments (see Note 10, Income Taxes). During 2019, the Company entered into an agreement to invest $10 million in a limited partnership. The Company had funded $467,000 of the commitment, with $9.5 million of the commitment remaining to be funded at both March 31, 2020 and December 31, 2019 . Commitments to extend credit are agreements to lend to a customer, as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Many of the commitments may expire without being drawn upon; therefore, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary upon extension of credit, is based on management’s credit evaluation of the customer. The type of collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, and income producing commercial properties. The Company's allowance for credit losses - unfunded loan commitments at March 31, 2020 and December 31, 2019 was $11.5 million and $2.7 million , respectively. Standby letters of credit are conditional commitments issued to guarantee a customer’s performance or payment to a third party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. Through the acquisition of AmericanWest Bank, Banner Bank assumed a risk participation agreement. Under the risk participation agreement, Banner Bank guarantees the financial performance of a borrower on the participated portion of an interest rate swap on a loan. Interest rates on residential one- to four-family mortgage loan applications are typically rate locked (committed) to customers during the application stage for periods ranging from 30 to 60 days, the most typical period being 45 days. Traditionally, these loan applications with rate lock commitments had the pricing for the sale of these loans locked with various qualified investors under a best-efforts delivery program at or near the time the interest rate is locked with the customer. The Company then attempts to deliver these loans before their rate locks expired. This arrangement generally required delivery of the loans prior to the expiration of the rate lock. Delays in funding the loans required a lock extension. The cost of a lock extension at times was borne by the customer and at times by the Company. These lock extension costs have not had a material impact to the Company's operations. The Company enters into forward commitments at specific prices and settlement dates to deliver either: (1) residential mortgage loans for purchase by secondary market investors (i.e., Freddie Mac or Fannie Mae), or (2) mortgage-backed securities to broker/dealers. The purpose of these forward commitments is to offset the movement in interest rates between the execution of its residential mortgage rate lock commitments with borrowers and the sale of those loans to the secondary market investor. There were no counterparty default losses on forward contracts during the three months ended March 31, 2020 or March 31, 2019 . Market risk with respect to forward contracts arises principally from changes in the value of contractual positions due to changes in interest rates. The Company limits its exposure to market risk by monitoring differences between commitments to customers and forward contracts with market investors and securities broker/dealers. In the event the Company has forward delivery contract commitments in excess of available mortgage loans, the transaction is completed by either paying or receiving a fee to or from the investor or broker/dealer equal to the increase or decrease in the market value of the forward contract. In the normal course of business, the Company and/or its subsidiaries have various legal proceedings and other contingent matters outstanding. These proceedings and the associated legal claims are often contested and the outcome of individual matters is not always predictable. These claims and counter-claims typically arise during the course of collection efforts on problem loans or with respect to action to enforce liens on properties in which the Banks hold a security interest. Based upon the information known to management at this time, the Company and the Banks are not a party to any legal proceedings that management believes would have a material adverse effect on the results of operations or consolidated financial position at March 31, 2020 . In connection with certain asset sales, the Banks typically make representations and warranties about the underlying assets conforming to specified guidelines. If the underlying assets do not conform to the specifications, the Banks may have an obligation to repurchase the assets or indemnify the purchaser against any loss. The Banks believe that the potential for material loss under these arrangements is remote. Accordingly, the fair value of such obligations is not material.

DERIVATIVES AND HEDGING

DERIVATIVES AND HEDGING	3 Months Ended
	Mar. 31, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES AND HEDGING	DERIVATIVES AND HEDGING The Company, through its Banner Bank subsidiary, is party to various derivative instruments that are used for asset and liability management and customer financing needs. Derivative instruments are contracts between two or more parties that have a notional amount and an underlying variable, require no net investment and allow for the net settlement of positions. The notional amount serves as the basis for the payment provision of the contract and takes the form of units, such as shares or dollars. The underlying variable represents a specified interest rate, index, or other component. The interaction between the notional amount and the underlying variable determines the number of units to be exchanged between the parties and influences the market value of the derivative contract. The Company obtains dealer quotations to value its derivative contracts. The Company's predominant derivative and hedging activities involve interest rate swaps related to certain term loans and forward sales contracts associated with mortgage banking activities. Generally, these instruments help the Company manage exposure to market risk and meet customer financing needs. Market risk represents the possibility that economic value or net interest income will be adversely affected by fluctuations in external factors such as market-driven interest rates and prices or other economic factors. Derivatives Designated in Hedge Relationships The Company's fixed-rate loans result in exposure to losses in value or net interest income as interest rates change. The risk management objective for hedging fixed-rate loans is to effectively convert the fixed-rate received to a floating rate. The Company has hedged exposure to changes in the fair value of certain fixed-rate loans through the use of interest rate swaps. For a qualifying fair value hedge, changes in the value of the derivatives are recognized in current period earnings along with the corresponding changes in the fair value of the designated hedged item attributable to the risk being hedged. Under a prior program, customers received fixed interest rate commercial loans and Banner Bank subsequently hedged that fixed-rate loan by entering into an interest rate swap with a dealer counterparty. Banner Bank receives fixed-rate payments from the customers on the loans and makes similar fixed-rate payments to the dealer counterparty on the swaps in exchange for variable-rate payments based on the one-month LIBOR index. Some of these interest rate swaps are designated as fair value hedges. Through application of the “short cut method of accounting,” there is an assumption that the hedges are effective. Banner Bank discontinued originating interest rate swaps under this program in 2008. As of March 31, 2020 and December 31, 2019 , the notional values or contractual amounts and fair values of the Company's derivatives designated in hedge relationships were as follows (in thousands): Asset Derivatives Liability Derivatives March 31, 2020 December 31, 2019 March 31, 2020 December 31, 2019 Notional/ Contract Amount Fair Value (1) Notional/ Contract Amount Fair Value (1) Notional/ Contract Amount Fair Value (2) Notional/ Contract Amount Fair Value (2) Interest rate swaps $ 2,253 $ 155 $ 3,567 $ 220 $ 2,253 $ 155 $ 3,567 $ 220 (1) Included in Loans receivable on the consolidated statements of financial condition. (2) Included in Other liabilities on the consolidated statements of financial condition. Derivatives Not Designated in Hedge Relationships Interest Rate Swaps: Banner Bank uses an interest rate swap program for commercial loan customers, that provides the client with a variable-rate loan and enters into an interest rate swap in which the client receives a variable-rate payment in exchange for a fixed-rate payment. The Bank offsets its risk exposure by entering into an offsetting interest rate swap with a dealer counterparty for the same notional amount and length of term as the client interest rate swap providing the dealer counterparty with a fixed-rate payment in exchange for a variable-rate payment. These swaps do not qualify as designated hedges; therefore, each swap is accounted for as a free standing derivative. Mortgage Banking: The Company sells originated one- to four-family and multifamily mortgage loans into the secondary mortgage loan markets. During the period of loan origination and prior to the sale of the loans in the secondary market, the Company has exposure to movements in interest rates associated with written interest rate lock commitments with potential borrowers to originate one- to four-family loans that are intended to be sold and for closed one- to four-family and multifamily mortgage loans held for sale that are awaiting sale and delivery into the secondary market. The Company economically hedges the risk of changing interest rates associated with these mortgage loan commitments by entering into forward sales contracts to sell one- to four-family and multifamily mortgage loans or mortgage-backed securities to broker/dealers at specific prices and dates. As of March 31, 2020 and December 31, 2019 , the notional values or contractual amounts and fair values of the Company's derivatives not designated in hedge relationships were as follows (in thousands): Asset Derivatives Liability Derivatives March 31, 2020 December 31, 2019 March 31, 2020 December 31, 2019 Notional/ Contract Amount Fair Value (1) Notional/ Contract Amount Fair Value (1) Notional/ Contract Amount Fair Value (2) Notional/ Contract Amount Fair Value (2) Interest rate swaps $ 404,492 $ 42,532 $ 371,957 $ 14,982 $ 404,492 $ 23,125 $ 371,957 $ 10,746 Mortgage loan commitments 170,207 2,517 50,755 791 51,063 2 65,855 190 Forward sales contracts 81,429 808 70,895 317 229,000 4,446 239,320 484 $ 656,128 $ 45,857 $ 493,607 $ 16,090 $ 684,555 $ 27,573 $ 677,132 $ 11,420 (1) Included in Other assets on the Consolidated Statements of Financial Condition, with the exception of certain interest swaps and mortgage loan commitments (with a fair value of $959,000 at March 31, 2020 and $347,000 at December 31, 2019 ), which are included in Loans receivable. (2) Included in Other liabilities on the Consolidated Statements of Financial Condition. Gains (losses) recognized in income on derivatives not designated in hedge relationships for the three months ended March 31, 2020 and 2019 were as follows (in thousands): Location on Consolidated Statements of Operations Three Months Ended 2020 2019 Mortgage loan commitments Mortgage banking operations $ 1,726 $ 7 Forward sales contracts Mortgage banking operations (3,068 ) 150 $ (1,342 ) $ 157 The Company is exposed to credit-related losses in the event of nonperformance by the counterparty to these agreements. Credit risk of the financial contract is controlled through the credit approval, limits, and monitoring procedures and management does not expect the counterparties to fail their obligations. In connection with the interest rate swaps between Banner Bank and the dealer counterparties, the agreements contain a provision where if Banner Bank fails to maintain its status as a well/adequately capitalized institution, then the counterparty could terminate the derivative positions and Banner Bank would be required to settle its obligations. Similarly, Banner Bank could be required to settle its obligations under certain of its agreements if specific regulatory events occur, such as a publicly issued prompt corrective action directive, cease and desist order, or a capital maintenance agreement that required Banner Bank to maintain a specific capital level. If Banner Bank had breached any of these provisions at March 31, 2020 or December 31, 2019 , it could have been required to settle its obligations under the agreements at the termination value. As of March 31, 2020 and December 31, 2019 , the termination value of derivatives in a net liability position related to these agreements was $42.7 million and $15.2 million , respectively. The Company generally posts collateral against derivative liabilities in the form of cash, government agency-issued bonds, mortgage-backed securities, or commercial mortgage-backed securities. Collateral posted against derivative liabilities was $42.3 million and $28.1 million as of March 31, 2020 and December 31, 2019 , respectively. Derivative assets and liabilities are recorded at fair value on the balance sheet. Master netting agreements allow the Company to settle all derivative contracts held with a single counterparty on a net basis and to offset net derivative positions with related collateral where applicable. In addition, some of interest rate swap derivatives between Banner Bank and the dealer counterparties are cleared through central clearing houses. These clearing houses characterize the variation margin payments as settlements of the derivative's market exposure and not as collateral. The variation margin is treated as an adjustment to our cash collateral, as well as a corresponding adjustment to our derivative liability. As of March 31, 2020 and December 31, 2019 , the variation margin adjustment was a negative adjustment of $19.4 million and $4.3 million , respectively. The following tables present additional information related to the Company's derivative contracts, by type of financial instrument, as of March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 Gross Amounts of Financial Instruments Not Offset in the Consolidated Statements of Financial Condition Gross Amounts Recognized Amounts offset in the Statement of Financial Condition Net Amounts in the Statement of Financial Condition Netting Adjustment Per Applicable Master Netting Agreements Fair Value of Financial Collateral in the Statement of Financial Condition Net Amount Derivative assets Interest rate swaps $ 42,687 $ — $ 42,687 $ — $ — $ 42,687 $ 42,687 $ — $ 42,687 $ — $ — $ 42,687 Derivative liabilities Interest rate swaps $ 42,687 $ (19,407 ) $ 23,280 $ — $ (23,285 ) $ (5 ) $ 42,687 $ (19,407 ) $ 23,280 $ — $ (23,285 ) $ (5 ) December 31, 2019 Gross Amounts of Financial Instruments Not Offset in the Consolidated Statements of Financial Condition Gross Amounts Recognized Amounts offset in the Statement of Financial Condition Net Amounts in the Statement of Financial Condition Netting Adjustment Per Applicable Master Netting Agreements Fair Value of Financial Collateral in the Statement of Financial Condition Net Amount Derivative assets Interest rate swaps $ 15,242 $ (40 ) $ 15,202 $ — $ — $ 15,202 $ 15,242 $ (40 ) $ 15,202 $ — $ — $ 15,202 Derivative liabilities Interest rate swaps $ 15,242 $ (4,276 ) $ 10,966 $ — $ (15,209 ) $ (4,243 ) $ 15,242 $ (4,276 ) $ 10,966 $ — $ (15,209 ) $ (4,243 )

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	3 Months Ended
	Mar. 31, 2020
Revenue from Contract with Customer [Abstract]
Revenue from Contract with Customer [Text Block]	REVENUE FROM CONTRACTS WITH CUSTOMERS Disaggregation of Revenue: Deposit fees and other service charges for the three months ended March 31, 2020 and 2019 are summarized as follows (in thousands): Three Months Ended 2020 2019 Deposit service charges $ 4,832 $ 4,586 Debit and credit card interchange fees 4,884 7,931 Debit and credit card expense (1,932 ) (2,449 ) Merchant services income 3,002 2,856 Merchant services expense (2,436 ) (2,319 ) Other service charges 1,453 2,013 Total deposit fees and other service charges $ 9,803 $ 12,618 Deposit fees and other service charges Deposit fees and other service charges include transaction and non-transaction based deposit fees. Transaction based fees on deposit accounts are charged to deposit customers for specific services provided to the customer. These fees include such items as wire fees, official check fees, and overdraft fees. These are contract specific to each individual transaction and do not extend beyond the individual transaction. The performance obligation is completed and the fees are recognized at the time the specific transactional service is provided to the customer. Non-transactional deposit fees are typically monthly account maintenance fees charged on deposit accounts. These are day-to-day contracts that can be canceled by either party without notice. The performance obligation is satisfied and the fees are recognized on a monthly basis after the service period is completed. Debit and credit card interchange income and expenses Debit and credit card interchange income represent fees earned when a debit or credit card issued by the Banks is used to purchase goods or services at a merchant. The merchant's bank pays the Banks a default interchange rate set by MasterCard on a transaction by transaction basis. The merchant acquiring bank can stop accepting the Banks’ cards at any time and the Banks can stop further use of cards issued by them at any time. The performance obligation is satisfied and the fees are earned when the cost of the transaction is charged to the Banks cardholders’ card. Direct expenses associated with the credit and debit card are recorded as a net reduction against the interchange income. Merchant services income Merchant services income represents fees earned by the Banks for card payment services provided to its merchant customers. The Banks have a contract with a third party to provide card payment services to the Banks’ merchants that contract for those services. The third party provider has contracts with the Banks’ merchants to provide the card payment services. The Banks do not have a direct contractual relationship with its merchants for these services. The Banks set the rates for the services provided by the third party. The third party provider passes the payments made by the Banks’ merchants through to the Banks. The Banks, in turn, pay the third party provider for the services it provides to the Banks’ merchants. These payments to the third party provider are recorded as expenses as a net reduction against fee income. In addition, a portion of the payment received by the Banks represents interchange fees which are passed through to the card issuing bank. Income is primarily earned based on the dollar volume and number of transactions processed. The performance obligation is satisfied and the related fee is earned when each payment is accepted by the processing network.

LEASES

LEASES	3 Months Ended
	Mar. 31, 2020
Leases [Abstract]
LEASES	LEASES The Company leases 105 buildings and offices under non-cancelable operating leases. The leases contain various provisions for increases in rental rates, based either on changes in the published Consumer Price Index or a predetermined escalation schedule. Substantially all of the leases provide the Company with the option to extend the lease term one or more times following expiration of the initial term. Lease Position as of March 31, 2020 and December 31, 2019 The table below presents the lease right-of-use assets and lease liabilities recorded on the balance sheet at March 31, 2020 and December 31, 2019 (dollars in thousands): Classification on the Balance Sheet March 31, 2020 December 31, 2019 Assets Operating right-of-use lease assets Other assets $ 59,620 $ 61,766 Liabilities Operating lease liabilities Accrued expenses and other liabilities $ 63,757 $ 65,818 Weighted-average remaining lease term Operating leases 6.0 years 6.2 years Weighted-average discount rate Operating leases 3.6 % 3.7 % Lease Costs The table below presents certain information related to the lease costs for operating leases for the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended 2020 2019 Operating lease cost (1) $ 4,164 $ 3,975 Short-term lease cost (1) 21 121 Variable lease cost (1) 811 561 Less sublease income (1) (254 ) (237 ) Total lease cost $ 4,742 $ 4,420 (1) Lease expenses and sublease income are classified within occupancy and equipment expense on the Consolidated Statements of Operations. Supplemental Cash Flow Information Operating cash flows paid for operating lease amounts included in the measurement of lease liabilities were $4.1 million and $3.9 million for the three months ended March 31, 2020 and March 31, 2019 , respectively. During the three months ended March 31, 2020 and March 31, 2019 , the Company recorded $1.6 million and $61.0 million , respectively, of right-of-use lease assets in exchange for operating lease liabilities. Undiscounted Cash Flows The table below reconciles the undiscounted cash flows for each of the next five years beginning with 2020 and the total of the remaining years to the operating lease liabilities recorded on the Consolidated Statements of Financial Position (in thousands): Operating Leases Remainder of 2020 $ 12,180 2021 15,370 2022 11,764 2023 8,675 2024 6,756 Thereafter 16,489 Total minimum lease payments 71,234 Less: amount of lease payments representing interest (7,477 ) Lease obligations $ 63,757 As of March 31, 2020 and December 31, 2019 , the Company had no undiscounted lease payments under an operating lease that had not yet commenced.

BASIS OF PRESENTATION AND SIG_2

BASIS OF PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Accounting	The accompanying unaudited condensed consolidated financial statements include the accounts of Banner Corporation (the Company or Banner), a bank holding company incorporated in the State of Washington and its wholly-owned subsidiaries, Banner Bank and Islanders Bank (the Banks). These unaudited condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (GAAP) for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the Securities and Exchange Commission (SEC). In preparing these financial statements, the Company has evaluated events and transactions subsequent to March 31, 2020 for potential recognition or disclosure. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. Certain information and disclosures normally included in annual financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to the rules and regulations of the SEC and the accounting standards for interim financial statements. Certain reclassifications have been made to the 2019 Consolidated Financial Statements and/or schedules to conform to the 2020 presentation. These reclassifications may have affected certain ratios for the prior periods. The effect of these reclassifications is considered immaterial. All significant intercompany transactions and balances have been eliminated. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company’s accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions and other subjective assessments. In particular, management has identified several accounting policies that, due to the judgments, estimates and assumptions inherent in those policies, are significant to an understanding of Banner’s financial statements. These policies relate to (i) the methodology for the recognition of interest income, (ii) determination of the provision and allowance for credit losses, (iii) the valuation of financial assets and liabilities recorded at fair value (iv) the valuation of intangibles, such as goodwill, core deposit intangibles (CDI) and mortgage servicing rights, (v) the valuation of real estate held for sale, (vi) the valuation of assets acquired and liabilities assumed in business combinations and subsequent recognition of related income and expense, and (vii) the valuation or recognition of deferred tax assets and liabilities. These policies and judgments, estimates and assumptions are described in greater detail in subsequent notes to the Consolidated Financial Statements and Management’s Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies) in our Annual Report on Form 10-K for the year ended December 31, 2019 filed with the SEC ( 2019 Form 10-K). There have been no significant changes in our application of these accounting policies during the first three months of 2020 , except for the change related to the adoption of Financial Instruments - Credit Losses (Topic 326) as described in below and Note 2. The information included in this Form 10-Q should be read in conjunction with our 2019 Form 10-K. Interim results are not necessarily indicative of results for a full year or any other interim period. As a result of the adoption of Financial Instruments—Credit Losses (Topic 326) on January 1, 2020, the Company has updated the following significant accounting policies. Securities: Debt securities are classified as held-to-maturity when the Company has the ability and positive intent to hold them to maturity. Debt securities classified as available-for-sale are available for future liquidity requirements and may be sold prior to maturity. Debt securities classified as trading are also available for future liquidity requirements and may be sold prior to maturity. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities, net of the allowance for credit losses- securities. Debt securities classified as held-to-maturity are carried at cost, adjusted for amortization of premiums to the earliest callable date and accretion of discounts to maturity. Debt securities classified as available-for-sale are measured at fair value. Unrealized holding gains and losses on debt securities classified as available-for-sale are excluded from earnings and are reported net of tax as accumulated other comprehensive income (AOCI), a component of shareholders’ equity, until realized. Debt securities classified as trading are also measured at fair value. Unrealized holding gains and losses on securities classified as trading are included in earnings. (See Note 9 for a more complete discussion of accounting for the fair value of financial instruments.) Realized gains and losses on sale are computed on the specific identification method and are included in earnings on the trade date sold. If debt securities were transferred from held-to-maturity to available-for-sale, unrealized gains or losses from the time of transfer would be accreted or amortized over the remaining life of the debt security based on the amount and timing of future estimated cash flows. The accretion or amortization of the amount recorded in AOCI increases the carrying value of the investment and does not affect earnings. Equity securities are measured at fair value with changes in the fair value recognized through net income and are reported in other assets. Allowance for Credit Losses - Securities: Management measures expected credit losses on held-to-maturity debt securities on a collective basis by major security type. The Company’s held-to maturity portfolio contains mortgage-backed securities issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The Company’s held-to-maturity portfolio also contains municipal bonds that are typically rated by major rating agencies as Aa or better. The Company has never incurred a loss on a municipal bond, therefore the expectation of credit losses on these securities is small. The Company uses industry historical credit loss information adjusted for current conditions to establish the allowance for credit losses on the municipal bond portfolio. Less than 2% of the Company’s held-to-maturity portfolio are community development bonds representing pools of one- to four-family loans. The expected credit losses on these bonds is similar to Banner’s one- to four-family residential loan portfolio. For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the security before recovering its cost basis, the entire impairment loss would be recognized in earnings. If the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized costs, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. Projected cash flows are discounted by the current effective interest rate. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. The remaining impairment related to all other factors, the difference between the present value of the cash flows expected to be collected and fair value, is recognized as a charge to AOCI. Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when management believes the non-collectability of an available-for-sale security is confirmed or when either of the criteria regarding intent of requirement to sell is met. Loans Receivable : The Banks originate residential one- to four-family and multifamily mortgage loans for both portfolio investment and sale in the secondary market. The Banks also originate construction and land development, commercial real estate, commercial business, agricultural and consumer loans for portfolio investment. Loans receivable not designated as held for sale are recorded at amortized cost, net of the allowance for credit losses. Amortized cost is the principal amount outstanding, net of deferred fees, discounts and premiums. Accrued interest on loans is reported in accrued interest receivable on the consolidated statements of financial condition. Premiums, discounts and deferred loan fees are amortized to maturity using the level-yield methodology. Loans Held for Sale . Residential one- to four-family and multifamily mortgage loans originated with the intent to be sold in the secondary market are considered held for sale. Residential one- to four-family loans under best effort delivery commitments are carried at the lower of aggregate cost or estimated market value. Residential one- to four-family loans under mandatory delivery commitments are carried at fair value in order to match changes in the value of the loans with the value of the related economic hedges on the loans. Fair values for residential mortgage loans held for sale are determined by comparing actual loan rates to current secondary market prices for similar loans. The multifamily held-for-sale loans are carried at fair value in order to match changes in the value of the loans with the value of the related economic hedges on the loans. Fair values for multifamily loans held for sale are calculated based on discounted cash flows using a discount rate that is a combination of market spreads for similar loan types added to selected index rates. Net unrealized losses on loans held for sale that are carried at lower of cost or market are recognized through the valuation allowance by charges to income. Non-refundable fees and direct loan origination costs related to loans held for sale are recognized as part of the cost basis of the loan. Gains and losses on sales of loans held for sale are determined using the specific identification method and are recorded in the mortgage banking operations component of non-interest income. Loans Acquired in Business Combinations : Loans acquired in business combinations, are recorded at their fair value at the acquisition date. Acquired loans are evaluated upon acquisition and classified as either purchased credit deteriorated or purchased non-credit-deteriorated. Purchased credit deteriorated (PCD) loans have experienced more than insignificant credit deterioration since origination. For PCD loans, an allowance for credit losses is determined at the acquisition date using the same measurement methodology as other loans held for investment. The initial allowance for credit losses determined on a collective basis is allocated to individual loans. The loan’s fair value grossed up for the allowance for credit losses becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through a provision for credit losses. For purchased non-credit deteriorated loans, the difference between the fair value and unpaid principal balance of the loan at the acquisition date is amortized or accreted to interest income over the life of the loans. While credit discounts are included in the determination of the fair value for non-credit deteriorated loans, since these discounts are expected to be accreted over the life of the loans, they cannot be used to offset the allowance for credit losses that must be recorded at the acquisition date. As a result, an allowance for credit losses is determined at the acquisition date using the same methodology as other loans held for investment and is recognized as a provision for credit losses in the statement of operations. Any subsequent deterioration (improvement) in credit quality is recognized by recording (recapturing) a provision for credit losses. Income Recognition on Nonaccrual Loans and Securities : Interest on loans and securities is accrued as earned unless management doubts the collectability of the asset or the unpaid interest. Interest accruals on loans are generally discontinued when loans become 90 days past due for payment of interest or principal and the loans are then placed on nonaccrual status. Loans are reported as past due when installment payments, interest payments, or maturity payments are past due based on contractual terms. All previously accrued but uncollected interest is written off by reversing interest income upon transfer to nonaccrual status. For any future payments collected, interest income is recognized only upon management’s assessment that there is a strong likelihood that the full amount of a loan will be repaid or recovered. A loan may be put on nonaccrual status sooner than this policy would dictate if, in management’s judgment, the interest may be uncollectable. While less common, similar interest reversal and nonaccrual treatment is applied to investment securities if their ultimate collectability becomes questionable. Loans modified due to the COVID-19 pandemic are considered current if they are less than 30 days past due on the contractual payments at the time the loan modification program was put in place and therefore continue to accrue interest unless the interest is being waived. Provision and Allowance for Credit Losses - Loans : The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of loans to present the net amount expected to be collected on the loans. The Banks have elected to exclude accrued interest receivable from the amortized cost basis in their estimate of the allowance for credit losses. The provision for credit losses reflects the amount required to maintain the allowance for credit losses at an appropriate level based upon management’s evaluation of the adequacy of collective and individual loss reserves. The Company has established systematic methodologies for the determination of the adequacy of the Company’s allowance for credit losses. The methodologies are set forth in a formal policy and take into consideration the need for a valuation allowance for loans evaluated on a collective (pool) basis which have similar risk characteristics as well as allowances that are tied to individual loans that do not share risk characteristics. The Company increases its allowance for credit losses by charging provisions for credit losses on its consolidated statement of operations. Losses related to specific assets are applied as a reduction of the carrying value of the assets and charged against the allowance for credit loss reserve when management believes the non-collectability of a loan balance is confirmed. Recoveries on previously charged off loans are credited to the allowance for credit losses. Management estimates the allowance for credit losses using relevant information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. The allowance for credit losses is maintained at a level sufficient to provide for expected credit losses over the life of the loan based on evaluating historical credit loss experience and making adjustments to historical loss information for differences in the specific risk characteristics in the current loan portfolio. These factors include, among others, changes in the size and composition of the loan portfolio, differences in underwriting standards, delinquency rates, actual loss experience and current economic conditions. The allowance for credit losses is measured on a collective (pool) basis when similar risk characteristics exist. In estimating the component of the allowance for credit losses for loans that share common risk characteristics, loans are pooled based on loan type and areas of risk concentration. For loans evaluated collectively, the allowance for credit losses is calculated using life of loan historical losses adjusted for economic forecasts and current conditions. For commercial real estate, multifamily real estate, construction and land, commercial business and agricultural loans with risk rating segmentation, historical credit loss assumptions are estimated using a model that categorizes loan pools based on loan type and risk rating. For one- to four- family residential loans, historical credit loss assumptions are estimated using a model that categorizes loan pools based on loan type and delinquency status. These models calculate an expected life-of-loan loss percentage for each loan category by calculating the probability of default, based on the migration of loans from performing to loss by risk rating or delinquency categories using historical life-of-loan analysis and the severity of loss, based on the aggregate net lifetime losses incurred for each loan pool. For commercial real estate, commercial business, and consumer loans without risk rating segmentation, historical credit loss assumptions are estimated using a model that calculates an expected life-of-loan loss percentage for each loan category by considering the historical cumulative losses based on the aggregate net lifetime losses incurred for each loan pool. The model captures historical loss data back to the first quarter of 2008. For loans evaluated collectively, management uses economic indicators to adjust the historical loss rates so that they better reflect management’s expectations of future conditions over the remaining lives of the loans in the portfolio based on reasonable and supportable forecasts. These economic indicators are selected based on correlation to the Company’s historical credit loss experience and are evaluated for each loan category. The economic indicators evaluated include unemployment, gross domestic product, real estate price indices and growth, yield curve spreads, treasury yields, the corporate yield, the market volatility index, the Dow Jones index, the consumer confidence index, and the prime rate. Management considers various economic scenarios and forecasts when evaluating the economic indicators and probability weights the various scenarios to arrive at the forecast that most reflects management’s expectations of future conditions. The allowance for credit losses is then adjusted for the period in which those forecasts are considered to be reasonable and supportable. To the extent the lives of the loans in the portfolio extend beyond the period for which a reasonable and supportable forecast can be made, the adjustments discontinue to be applied so that the model reverts back to the historical loss rates using a straight line reversion method. Management selected an initial reasonable and supportable forecast period of 12 months with a reversion period of 12 months. Both the reasonable and supportable forecast period and the reversion period are periodically reviewed by management. Further, for loans evaluated collectively, management also considers qualitative and environmental factors for each loan category to adjust for differences between the historical periods used to calculate historical loss rates and expected conditions over the remaining lives of the loans in the portfolio. In determining the aggregate adjustment needed management considers the financial condition of the borrowers, the nature and volume of the loans, the remaining terms and the extent of prepayments on the loans, the volume and severity of past due and classified loans as well as the value of the underlying collateral on loans in which the collateral dependent practical expedient has not been used. Management also considers the Company’s lending policies, the quality of the Company’s credit review system, the quality of the Company’s management and lending staff, and the regulatory and economic environments in the areas in which the Company’s lending activities are concentrated. Loans that do not share risk characteristics with other loans in the portfolio are individually evaluated for impairment are not included in the collective evaluation. Factors involved in determining whether a loan should be individually evaluated include, but are not limited to, the financial condition of the borrower and the value of the underlying collateral. Expected credit losses for loans evaluated individually are measured based on the present value of expected future cash flows discounted at the loan’s original effective interest rate or when the Banks determine that foreclosure is probable, the expected credit loss is measured based on the fair value of the collateral as of the reporting date, less estimated selling costs, as applicable. As a practical expedient, the Banks measure the expected credit loss for a loan using the fair value of the collateral, if repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty based on the Banks' assessment as of the reporting date. In both cases, if the fair value of the collateral is less than the amortized cost basis of the loan, the Banks will recognize an allowance as the difference between the fair value of the collateral, less costs to sell (if applicable), at the reporting date and the amortized cost basis of the loan. If the fair value of the collateral exceeds the amortized cost basis of the loan, any expected recovery added to the amortized cost basis will be limited to the amount previously charged-off . Subsequent changes in the expected credit losses for loans evaluated individually are included within the provision for credit losses in the same manner in which the expected credit loss initially was recognized or as a reduction in the provision that would otherwise be reported. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals, and modifications unless either management has a reasonable expectation at the reporting date that a troubled debt restructuring will be executed with an individual borrower or the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Banks. Some of the Banks’ loans are reported as troubled debt restructures (TDRs). Loans are reported as TDRs when the Banks grant a concession(s) to a borrower experiencing financial difficulties that it would not otherwise consider. Examples of such concessions include forgiveness of principal or accrued interest, extending the maturity date(s) or providing a lower interest rate than would be normally available for a transaction of similar risk. The allowance for credit losses on a TDR is determined using the same method as all other loans held for investment, except when the value of the concession cannot be measured using a method other than the discounted cash flow method. When the value of a concession is measured using the discounted cash flow method the allowance for credit losses is determined by discounting the expected future cash flows at the original interest rate of the loan. The CARES Act provided guidance around the modification of loans as a result of the COVID-19 pandemic, which outlined, among other criteria, that short-term modifications made on a good faith basis to borrowers who were current as defined under the CARES Act prior to any relief, are not TDRs. This includes short-term (e.g. six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrowers are considered current under the CARES Act if they are less than 30 days past due on their contractual payments at the time a modification program is implemented. Loan Origination and Commitment Fees: Loan origination fees, net of certain specifically defined direct loan origination costs, are deferred and recognized as an adjustment of the loans’ interest yield using the level-yield method over the contractual term of each loan adjusted for actual loan prepayment experience. Net deferred fees or costs related to loans held for sale are recognized as part of the cost basis of the loan. Loan commitment fees are deferred until the expiration of the commitment period unless management believes there is a remote likelihood that the underlying commitment will be exercised, in which case the fees are amortized to fee income using the straight-line method over the commitment period. If a loan commitment is exercised, the deferred commitment fee is accounted for in the same manner as a loan origination fee. Deferred commitment fees associated with expired commitments are recognized as fee income. Allowance for Credit Losses - unfunded loan commitments:

SECURITIES (Tables)

SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Schedule of Securities	The amortized cost, gross unrealized gains and losses and estimated fair value of securities at March 31, 2020 and December 31, 2019 are summarized as follows (in thousands): March 31, 2020 Amortized Cost Fair Value Trading: Corporate bonds $ 27,203 $ 21,040 $ 27,203 $ 21,040 March 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Allowance for Credit Losses Fair Value Available-for-Sale: U.S. Government and agency obligations $ 82,197 $ 520 $ (954 ) $ — $ 81,763 Municipal bonds 171,486 9,726 (173 ) — 181,039 Corporate bonds 30,094 1,101 (209 ) — 30,986 Mortgage-backed or related securities 1,252,606 54,711 (518 ) — 1,306,799 Asset-backed securities 8,130 — (493 ) — 7,637 $ 1,544,513 $ 66,058 $ (2,347 ) $ — $ 1,608,224 March 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Allowance for Credit Losses Held-to-Maturity: U.S. Government and agency obligations $ 373 $ 8 $ — $ 381 $ — Municipal bonds 380,483 10,830 (2,292 ) 389,021 61 Corporate bonds 3,325 — (10 ) 3,315 37 Mortgage-backed or related securities 53,763 2,769 (12 ) 56,520 — $ 437,944 $ 13,607 $ (2,314 ) $ 449,237 $ 98 December 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Trading: Corporate bonds $ 27,203 $ 25,636 $ 27,203 $ 25,636 Available-for-Sale: U.S. Government and agency obligations $ 90,468 $ 286 $ (1,156 ) $ 89,598 Municipal bonds 101,927 5,233 (3 ) 107,157 Corporate bonds 4,357 14 (6 ) 4,365 Mortgage-backed or related securities 1,324,999 20,325 (3,013 ) 1,342,311 Asset-backed securities 8,195 — (69 ) 8,126 $ 1,529,946 $ 25,858 $ (4,247 ) $ 1,551,557 Held-to-Maturity: U.S. Government and agency obligations $ 385 $ 4 $ — $ 389 Municipal bonds 177,208 3,733 (2,213 ) 178,728 Corporate bonds 3,353 — (11 ) 3,342 Mortgage-backed or related securities 55,148 921 (723 ) 55,346 $ 236,094 $ 4,658 $ (2,947 ) $ 237,805
Schedule of Securities with Continuous Loss Position	At March 31, 2020 , the gross unrealized losses and the fair value for securities available-for-sale aggregated by the length of time that individual securities have been in a continuous unrealized loss position were as follows (in thousands): March 31, 2020 Less Than 12 Months 12 Months or More Total Fair Unrealized Losses Fair Unrealized Losses Fair Unrealized Losses Available-for-Sale: U.S. Government and agency obligations $ 2,575 $ (18 ) $ 56,531 $ (936 ) $ 59,106 $ (954 ) Municipal bonds 11,767 (173 ) — — 11,767 (173 ) Corporate bonds 4,148 (209 ) — — 4,148 (209 ) Mortgage-backed or related securities 42,545 (487 ) 7,218 (31 ) 49,763 (518 ) Asset-backed securities 1,371 (53 ) 5,871 (440 ) 7,242 (493 ) $ 62,406 $ (940 ) $ 69,620 $ (1,407 ) $ 132,026 $ (2,347 )
Schedule of Securities by Contractual Maturity Date	The amortized cost and estimated fair value of securities at March 31, 2020 , by contractual maturity, are shown below (in thousands). Expected maturities will differ from contractual maturities because some securities may be called or prepaid with or without call or prepayment penalties. March 31, 2020 Trading Available-for-Sale Held-to-Maturity Amortized Cost Fair Value Amortized Cost Fair Value Amortized Cost Fair Value Maturing in one year or less $ — $ — $ 2,500 $ 2,496 $ 807 $ 808 Maturing after one year through five years — — 66,644 68,453 59,949 61,827 Maturing after five years through ten years — — 352,386 370,139 44,006 46,085 Maturing after ten years through twenty years 27,203 21,040 265,561 277,549 124,627 126,785 Maturing after twenty years — — 857,422 889,587 208,555 213,732 $ 27,203 $ 21,040 $ 1,544,513 $ 1,608,224 $ 437,944 $ 449,237
Schedule of Pledged Securities	The following table presents, as of March 31, 2020 , investment securities which were pledged to secure borrowings, public deposits or other obligations as permitted or required by law (in thousands): March 31, 2020 Carrying Value Amortized Cost Fair Value Purpose or beneficiary: State and local governments public deposits $ 155,588 $ 154,453 $ 160,654 Interest rate swap counterparties 28,049 26,923 28,432 Repurchase agreements 153,285 147,608 153,286 Other 2,665 2,665 2,733 Total pledged securities $ 339,587 $ 331,649 $ 345,105 The Company monitors the credit quality of held-to-maturity debt securities through the use of credit rating. Credit ratings are reviewed and updated quarterly. The following table summarizes the amortized cost of held-to-maturity debt securities by credit rating at March 31, 2020 (in thousands): March 31, 2020 U.S. Government and agency obligations Municipal bonds Corporate bonds Mortgage-backed or related securities Total AAA/AA/A $ — $ 348,662 $ 500 $ — $ 349,162 BBB/BB/B — — — — — Not Rated 373 31,821 2,825 53,763 88,782 $ 373 $ 380,483 $ 3,325 $ 53,763 $ 437,944 The following table presents the activity in the allowance for credit losses for held-to-maturity debt securities by major type for the three months ended March 31, 2020 (in thousands): Three Months Ended U.S. Government and agency obligations Municipal bonds Corporate bonds Mortgage-backed or related securities Total Allowance for credit losses - securities Beginning Balance $ — $ — $ — $ — $ — Impact of adopting ASC 326 — 28 35 — 63 Provision for credit losses — 33 2 — 35 Securities charged-off — — — — — Recoveries — — — — — Ending Balance $ — $ 61 $ 37 $ — $ 98
Debt Instrument, Credit Rating	The Company monitors the credit quality of held-to-maturity debt securities through the use of credit rating. Credit ratings are reviewed and updated quarterly. The following table summarizes the amortized cost of held-to-maturity debt securities by credit rating at March 31, 2020 (in thousands): March 31, 2020 U.S. Government and agency obligations Municipal bonds Corporate bonds Mortgage-backed or related securities Total AAA/AA/A $ — $ 348,662 $ 500 $ — $ 349,162 BBB/BB/B — — — — — Not Rated 373 31,821 2,825 53,763 88,782 $ 373 $ 380,483 $ 3,325 $ 53,763 $ 437,944
Debt Securities, Held-to-maturity, Allowance for Credit Loss	The following table presents the activity in the allowance for credit losses for held-to-maturity debt securities by major type for the three months ended March 31, 2020 (in thousands): Three Months Ended U.S. Government and agency obligations Municipal bonds Corporate bonds Mortgage-backed or related securities Total Allowance for credit losses - securities Beginning Balance $ — $ — $ — $ — $ — Impact of adopting ASC 326 — 28 35 — 63 Provision for credit losses — 33 2 — 35 Securities charged-off — — — — — Recoveries — — — — — Ending Balance $ — $ 61 $ 37 $ — $ 98

LOANS RECEIVABLE AND THE ALLO_2

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2020
Receivables [Abstract]
Loans, Collateral Dependent [Table Text Block]	The following table provides the amortized cost basis of collateral-dependent loans as of March 31, 2020 (in thousands). Our collateral dependent loans presented in the table below have no significant concentrations by property type or location. The table below includes one commercial banking relationship with a balance of $14.7 million. March 31, 2020 Real Estate Accounts Receivable Equipment Inventory Total Commercial real estate: Owner-occupied $ 1,838 $ — $ — $ — $ 1,838 Investment properties 3,421 — — — 3,421 Small Balance CRE 1,367 — — — 1,367 Multifamily real estate — — — — — Construction, land and land development: Commercial construction — — — — — Multifamily construction — — — — — One- to four-family construction 964 — — — 964 Land and land development — — — — — Commercial business Commercial business 2,851 11,344 4,597 1,215 20,007 Small business Scored 48 — 49 — 97 Agricultural business, including secured by farmland — — — — — One- to four-family residential 868 — — — 868 Consumer: Consumer—home equity revolving lines of credit — — — — — Consumer—other — — — — — Total $ 11,357 $ 11,344 $ 4,646 $ 1,215 $ 28,562
Schedule of Loans Receivable, Including Loans Held for Sale	at March 31, 2020 and December 31, 2019 by class (dollars in thousands). The presentation of loans receivable at December 31, 2019 has been updated to conform to the loan portfolio segmentation that became effective on January 1, 2020. March 31, 2020 December 31, 2019 Amount Percent of Total Amount Percent of Total Commercial real estate: Owner-occupied $ 1,024,089 11.0 % $ 980,021 10.5 % Investment properties 2,007,537 21.6 2,024,988 21.8 Small balance CRE 591,783 6.4 613,484 6.6 Multifamily real estate 400,206 4.3 388,388 4.2 Construction, land and land development: Commercial construction 205,476 2.2 210,668 2.3 Multifamily construction 250,410 2.7 233,610 2.5 One- to four-family construction 534,956 5.8 544,308 5.8 Land and land development 232,506 2.5 245,530 2.6 Commercial business: Commercial business 1,357,817 14.6 1,364,650 14.7 Small business scored 807,539 8.7 772,657 8.3 Agricultural business, including secured by farmland 330,257 3.6 337,271 3.6 One- to four-family residential 881,387 9.5 925,531 9.9 Consumer: Consumer—home equity revolving lines of credit 521,618 5.6 519,336 5.6 Consumer—other 140,163 1.5 144,915 1.6 Total loans 9,285,744 100.0 % 9,305,357 100.0 % Less allowance for credit losses - loans (130,488 ) (100,559 ) Net loans $ 9,155,256 $ 9,204,798 The presentation of loans receivable at December 31, 2019 in the table below is based on loan segmentation as presented in the 2019 Form 10-K. December 31, 2019 Amount Percent of Total Commercial real estate: Owner-occupied $ 1,580,650 17.0 % Investment properties 2,309,221 24.8 Multifamily real estate 473,152 5.1 Commercial construction 210,668 2.3 Multifamily construction 233,610 2.5 One- to four-family construction 544,308 5.8 Land and land development: Residential 154,688 1.7 Commercial 26,290 0.3 Commercial business 1,693,824 18.2 Agricultural business, including secured by farmland 370,549 4.0 One- to four-family residential 945,622 10.2 Consumer: Consumer secured by one- to four-family 550,960 5.8 Consumer—other 211,815 2.3 Total loans 9,305,357 100.0 % Less allowance for loan losses (100,559 ) Net loans $ 9,204,798 Loan amounts are net of unearned loan fees in excess of unamortized costs of $451,000 as of March 31, 2020 and $438,000 as of December 31, 2019 . Net loans include net discounts on acquired loans of $22.2 million and $25.0 million as of March 31, 2020 and December 31, 2019
Schedule of Purchased Credit-Impaired Loans, Changes in Accretable Yield	The following table presents the changes in the accretable yield for PCI loans for the three months ended March 31, 2019 (in thousands): Three Months Ended 2019 Balance, beginning of period $ 5,216 Accretion to interest income (493 ) Disposals — Reclassifications from non-accretable difference 55 Balance, end of period $ 4,778
Impaired loans excluding purchased credit impaired loans [Table Text Block]	The following table provides information on impaired loans, excluding PCI loans, with and without allowance reserves at December 31, 2019 . Recorded investment includes the unpaid principal balance or the carrying amount of loans less charge-offs and net deferred loan fees (in thousands): December 31, 2019 Unpaid Principal Balance Recorded Investment Related Allowance Without Allowance (1) With Allowance (2) Commercial real estate: Owner-occupied $ 4,185 $ 3,816 $ 194 $ 18 Investment properties 3,536 1,883 690 40 Multifamily real estate 82 85 — — Multifamily construction 573 98 — — One- to four-family construction 1,799 1,799 — — Land and land development: Residential 676 340 — — Commercial business 25,117 4,614 19,330 4,128 Agricultural business/farmland 3,044 661 2,243 141 One- to four-family residential 7,290 5,613 1,648 41 Consumer: Consumer secured by one- to four-family 3,081 2,712 127 5 Consumer—other 222 159 52 1 $ 49,605 $ 21,780 $ 24,284 $ 4,374 (1) Includes loans without an allowance reserve that had been individually evaluated for impairment and that evaluation concluded that no reserve was needed, and $13.5 million of homogeneous and small balance loans, as of December 31, 2019 , that were collectively evaluated for impairment for which a general reserve was established. (2) Loans with a specific allowance reserve were individually evaluated for impairment using either a discounted cash flow analysis or, for collateral dependent loans, current appraisals less costs to sell to establish realizable value.
Schedule of Impaired Loans With and Without Specific Reserves	The following table summarizes our average recorded investment and interest income recognized on impaired loans by loan class for the three months ended March 31, 2019 (in thousands): Three Months Ended Average Recorded Investment Interest Income Recognized Commercial real estate: Owner-occupied $ 3,451 $ 2 Investment properties 7,227 76 Commercial construction 1,427 — One- to four-family construction 919 — Land and land development: Residential 726 — Commercial business 3,803 5 Agricultural business/farmland 5,117 27 One- to four-family residential 6,446 65 Consumer: Consumer secured by one- to four-family 2,063 5 Consumer—other 319 1 $ 31,498 $ 181
Schedule of Troubled Debt Restructurings	The following table presents new TDRs that occurred during the three months ended March 31, 2020 and March 31, 2019 (dollars in thousands): Three months ended March 31, 2020 Number of Contracts Pre- modification Outstanding Recorded Investment Post- modification Outstanding Recorded Investment Recorded Investment Commercial business: Commercial business 2 4,796 4,796 Total 2 $ 4,796 $ 4,796 Three months ended March 31, 2019 Number of Contracts Pre- modification Outstanding Recorded Investment Post- modification Outstanding Recorded Investment Recorded Investment Commercial real estate Investment properties 1 1,090 1,090 1 $ 1,090 $ 1,090
Schedule of Risk-Rated Loans and Non-Risk Rated Loans by Grade and Other Characteristics	The following tables present the Company’s portfolio of risk-rated loans by grade as of March 31, 2020 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Commercial real estate - owner occupied Risk Rating Pass $ 86,515 $ 209,528 $ 171,907 $ 133,579 $ 109,177 $ 280,979 $ 7,927 $ 999,612 Special Mention — 2,438 1,369 2,353 — 103 — 6,263 Substandard — 500 — 5,805 1,295 10,614 — 18,214 Doubtful — — — — — — — — Loss — — — — — — — — Total Commercial real estate - owner occupied $ 86,515 $ 212,466 $ 173,276 $ 141,737 $ 110,472 $ 291,696 $ 7,927 $ 1,024,089 Commercial real estate - investment properties Risk Rating Pass $ 42,548 $ 296,128 $ 347,941 $ 309,865 $ 328,239 $ 631,602 $ 30,284 $ 1,986,607 Special Mention — 3,360 — — — 976 — 4,336 Substandard — 3,934 2,405 — 442 9,813 — 16,594 Doubtful — — — — — — — — Loss — — — — — — — — Total Commercial real estate - investment properties $ 42,548 $ 303,422 $ 350,346 $ 309,865 $ 328,681 $ 642,391 $ 30,284 $ 2,007,537 Multifamily real estate Risk Rating Pass $ 21,907 $ 72,099 $ 45,457 $ 102,668 $ 47,554 $ 108,743 $ 1,778 $ 400,206 Special Mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total Multifamily real estate $ 21,907 $ 72,099 $ 45,457 $ 102,668 $ 47,554 $ 108,743 $ 1,778 $ 400,206 March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Commercial construction Risk Rating Pass $ 17,290 $ 101,679 $ 55,535 $ 9,326 $ 2,231 $ 1,599 $ — $ 187,660 Special Mention — — 6,197 — — — — 6,197 Substandard — 11,521 — — 98 — — 11,619 Doubtful — — — — — — — — Loss — — — — — — — — Total Commercial construction $ 17,290 $ 113,200 $ 61,732 $ 9,326 $ 2,329 $ 1,599 $ — $ 205,476 Multifamily construction Risk Rating Pass $ 39,395 $ 115,501 $ 76,925 $ 12,945 $ — $ — $ 5,644 $ 250,410 Special Mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total Multifamily construction $ 39,395 $ 115,501 $ 76,925 $ 12,945 $ — $ — $ 5,644 $ 250,410 One- to four- family construction Risk Rating Pass $ 143,457 $ 357,179 $ 11,536 $ — $ 7 $ — $ 5,058 $ 517,237 Special Mention 2,254 13,540 — — — — 630 16,424 Substandard — 1,295 — — — — — 1,295 Doubtful — — — — — — — — Loss — — — — — — — — Total One- to four- family construction $ 145,711 $ 372,014 $ 11,536 $ — $ 7 $ — $ 5,688 $ 534,956 March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Land and land development Risk Rating Pass $ 36,452 $ 126,901 $ 44,296 $ 10,708 $ 7,275 $ 6,580 $ 260 $ 232,472 Special Mention — — — — — — — — Substandard — 34 — — — — — 34 Doubtful — — — — — — — — Loss — — — — — — — — Total Land and land development $ 36,452 $ 126,935 $ 44,296 $ 10,708 $ 7,275 $ 6,580 $ 260 $ 232,506 Commercial business Risk Rating Pass $ 74,684 $ 284,798 $ 228,436 $ 98,502 $ 52,755 $ 89,037 $ 466,294 $ 1,294,506 Special Mention 65 1,314 5,021 1,472 4,846 5,091 8,635 26,444 Substandard 2,904 2,199 7,548 3,934 293 949 19,040 36,867 Doubtful — — — — — — — — Loss — — — — — — — — Total Commercial business $ 77,653 $ 288,311 $ 241,005 $ 103,908 $ 57,894 $ 95,077 $ 493,969 $ 1,357,817 Agricultural business including secured by farmland Risk Rating Pass $ 17,928 $ 64,309 $ 35,934 $ 26,835 $ 27,403 $ 35,133 $ 102,965 $ 310,507 Special Mention — 1,328 — 919 676 1,418 — 4,341 Substandard 625 5,523 5,974 191 62 707 2,327 15,409 Doubtful — — — — — — — — Loss — — — — — — — — Total Agricultural business including secured by farmland $ 18,553 $ 71,160 $ 41,908 $ 27,945 $ 28,141 $ 37,258 $ 105,292 $ 330,257 The following table presents the Company’s portfolio of non-risk-rated loans by delinquency status as of March 31, 2020 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Small balance CRE Past Due Category Current $ 3,076 $ 72,221 $ 91,455 $ 75,742 $ 80,463 $ 265,178 $ 1,189 $ 589,324 30-59 Days Past Due — 380 382 — — 738 — 1,500 60-89 Days Past Due — — — — — 396 — 396 90 Days + Past Due — — — 340 — 223 — 563 Total Small balance CRE $ 3,076 $ 72,601 $ 91,837 $ 76,082 $ 80,463 $ 266,535 $ 1,189 $ 591,783 Small business scored Past Due Category Current $ 49,408 $ 176,863 $ 161,438 $ 115,884 $ 60,448 $ 85,896 $ 151,905 $ 801,842 30-59 Days Past Due 31 459 215 977 68 325 466 2,541 60-89 Days Past Due — 184 150 197 55 — 5 591 90 Days + Past Due — 243 568 715 610 152 277 2,565 Total Small business scored $ 49,439 $ 177,749 $ 162,371 $ 117,773 $ 61,181 $ 86,373 $ 152,653 $ 807,539 One- to four- family residential Past Due Category Current $ 10,298 $ 119,074 $ 141,540 $ 156,046 $ 77,252 $ 357,521 $ 4,801 $ 866,532 30-59 Days Past Due 559 4,107 639 1,615 264 5,215 — 12,399 60-89 Days Past Due 21 — — — — 82 — 103 90 Days + Past Due 358 — 607 45 — 1,343 — 2,353 Total One- to four- family residential $ 11,236 $ 123,181 $ 142,786 $ 157,706 $ 77,516 $ 364,161 $ 4,801 $ 881,387 March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Consumer—home equity revolving lines of credit Past Due Category Current $ 14,227 $ 2,053 $ 1,774 $ 2,137 $ 1,223 $ 3,840 $ 493,903 $ 519,157 30-59 Days Past Due — — — — — 14 664 678 60-89 Days Past Due — — — — — 267 — 267 90 Days + Past Due — — — 520 297 158 541 1,516 Total Consumer—home equity revolving lines of credit $ 14,227 $ 2,053 $ 1,774 $ 2,657 $ 1,520 $ 4,279 $ 495,108 $ 521,618 Consumer-other Past Due Category Current $ 7,199 $ 22,156 $ 21,985 $ 18,571 $ 12,885 $ 26,316 $ 30,214 $ 139,326 30-59 Days Past Due 102 21 174 78 100 95 78 648 60-89 Days Past Due — 30 29 17 — 10 54 140 90 Days + Past Due — — — — 49 — — 49 Total Consumer-other $ 7,301 $ 22,207 $ 22,188 $ 18,666 $ 13,034 $ 26,421 $ 30,346 $ 140,163 The following tables present the Company’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristics as of December 31, 2019 (in thousands): December 31, 2019 By class: Pass (Risk Ratings 1-5) (1) Special Mention Substandard Doubtful Loss Total Loans Commercial real estate: Owner-occupied $ 1,546,649 $ 4,198 $ 29,803 $ — $ — $ 1,580,650 Investment properties 2,288,785 2,193 18,243 — — 2,309,221 Multifamily real estate 472,856 — 296 — — 473,152 Commercial construction 198,986 — 11,682 — — 210,668 Multifamily construction 233,610 — — — — 233,610 One- to four-family construction 530,307 12,534 1,467 — — 544,308 Land and land development: Residential 154,348 — 340 — — 154,688 Commercial 26,256 — 34 — — 26,290 Commercial business 1,627,170 31,012 35,584 58 — 1,693,824 Agricultural business, including secured by farmland 352,408 10,840 7,301 — — 370,549 One- to four-family residential 940,424 409 4,789 — — 945,622 Consumer: Consumer secured by one- to four-family 547,388 — 3,572 — — 550,960 Consumer—other 211,475 3 337 — — 211,815 Total $ 9,130,662 $ 61,189 $ 113,448 $ 58 $ — $ 9,305,357 (1) The Pass category includes some performing loans that are part of homogenous pools which are not individually risk-rated. This includes all consumer loans, all one- to four-family residential loans and, as of December 31, 2019 , in the commercial business category, $764.6 million of credit-scored small business loans. As loans in these pools become non-performing, they are individually risk-rated.
Schedule of Age Analysis of the Company's Past Due Loans	The following tables provide additional detail on the age analysis of the Company’s past due loans as of March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Non-accrual with no Allowance Total Non-accrual (1) Loans 90 Days or More Past Due and Accruing Commercial real estate: Owner-occupied $ 1,209 $ — $ 1,837 $ 3,046 $ 1,021,043 $ 1,024,089 $ 1,837 $ 2,243 $ — Investment properties 607 — 3,888 4,495 2,003,042 2,007,537 3,420 3,863 24 Small Balance CRE 1,500 396 563 2,459 589,324 591,783 1,222 2,406 — Multifamily real estate — — — — 400,206 400,206 — — — Construction, land and land development: Commercial construction 11,521 — 1,505 13,026 192,450 205,476 — 98 1,407 Multifamily construction — — — — 250,410 250,410 — — — One- to four-family construction 1,027 — 964 1,991 532,965 534,956 964 1,295 — Land and land development 1,783 — — 1,783 230,723 232,506 — — — Commercial business Commercial business 4,849 537 1,508 6,894 1,350,923 1,357,817 198 21,737 — Small business scored 2,541 591 2,565 5,697 801,842 807,539 98 3,290 77 Agricultural business, including secured by farmland 580 2,083 894 3,557 326,700 330,257 — 495 461 One- to four-family residential 12,399 103 2,353 14,855 866,532 881,387 865 3,045 1,089 Consumer: Consumer—home equity revolving lines of credit 678 267 1,516 2,461 519,157 521,618 — 1,713 320 Consumer—other 648 140 49 837 139,326 140,163 — 99 — Total $ 39,342 $ 4,117 $ 17,642 $ 61,101 $ 9,224,643 $ 9,285,744 $ 8,604 $ 40,284 $ 3,378 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Purchased Credit-Impaired Current Total Loans Loans 90 Days or More Past Due and Accruing Total Non-accrual (1) Commercial real estate: Owner-occupied $ 486 $ 1,246 $ 2,889 $ 4,621 $ 8,578 $ 1,567,451 $ 1,580,650 $ 89 $ 4,069 Investment properties — 260 1,883 2,143 6,345 2,300,733 2,309,221 — 1,883 Multifamily real estate 239 91 — 330 7 472,815 473,152 — 85 Commercial construction 1,397 — 98 1,495 — 209,173 210,668 — 98 Multifamily construction — — — — — 233,610 233,610 — — One-to-four-family construction 3,212 — 1,799 5,011 — 539,297 544,308 332 1,467 Land and land development: Residential — — 340 340 — 154,348 154,688 — 340 Commercial — — — — — 26,290 26,290 — — Commercial business 2,343 1,583 3,412 7,338 368 1,686,118 1,693,824 401 23,015 Agricultural business, including secured by farmland 1,972 129 584 2,685 393 367,471 370,549 — 661 One-to four-family residential 3,777 1,088 2,876 7,741 74 937,807 945,622 877 3,410 Consumer: Consumer secured by one- to four-family 1,174 327 1,846 3,347 110 547,503 550,960 398 2,314 Consumer—other 350 161 — 511 63 211,241 211,815 — 159 Total $ 14,950 $ 4,885 $ 15,727 $ 35,562 $ 15,938 $ 9,253,857 $ 9,305,357 $ 2,097 $ 37,501 The following table presents the Company’s portfolio of non-risk-rated loans by delinquency status as of March 31, 2020 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Small balance CRE Past Due Category Current $ 3,076 $ 72,221 $ 91,455 $ 75,742 $ 80,463 $ 265,178 $ 1,189 $ 589,324 30-59 Days Past Due — 380 382 — — 738 — 1,500 60-89 Days Past Due — — — — — 396 — 396 90 Days + Past Due — — — 340 — 223 — 563 Total Small balance CRE $ 3,076 $ 72,601 $ 91,837 $ 76,082 $ 80,463 $ 266,535 $ 1,189 $ 591,783 Small business scored Past Due Category Current $ 49,408 $ 176,863 $ 161,438 $ 115,884 $ 60,448 $ 85,896 $ 151,905 $ 801,842 30-59 Days Past Due 31 459 215 977 68 325 466 2,541 60-89 Days Past Due — 184 150 197 55 — 5 591 90 Days + Past Due — 243 568 715 610 152 277 2,565 Total Small business scored $ 49,439 $ 177,749 $ 162,371 $ 117,773 $ 61,181 $ 86,373 $ 152,653 $ 807,539 One- to four- family residential Past Due Category Current $ 10,298 $ 119,074 $ 141,540 $ 156,046 $ 77,252 $ 357,521 $ 4,801 $ 866,532 30-59 Days Past Due 559 4,107 639 1,615 264 5,215 — 12,399 60-89 Days Past Due 21 — — — — 82 — 103 90 Days + Past Due 358 — 607 45 — 1,343 — 2,353 Total One- to four- family residential $ 11,236 $ 123,181 $ 142,786 $ 157,706 $ 77,516 $ 364,161 $ 4,801 $ 881,387 March 31, 2020 Term Loans by Year of Origination Revolving Loans Total Loans By class: 2020 2019 2018 2017 2016 Prior Consumer—home equity revolving lines of credit Past Due Category Current $ 14,227 $ 2,053 $ 1,774 $ 2,137 $ 1,223 $ 3,840 $ 493,903 $ 519,157 30-59 Days Past Due — — — — — 14 664 678 60-89 Days Past Due — — — — — 267 — 267 90 Days + Past Due — — — 520 297 158 541 1,516 Total Consumer—home equity revolving lines of credit $ 14,227 $ 2,053 $ 1,774 $ 2,657 $ 1,520 $ 4,279 $ 495,108 $ 521,618 Consumer-other Past Due Category Current $ 7,199 $ 22,156 $ 21,985 $ 18,571 $ 12,885 $ 26,316 $ 30,214 $ 139,326 30-59 Days Past Due 102 21 174 78 100 95 78 648 60-89 Days Past Due — 30 29 17 — 10 54 140 90 Days + Past Due — — — — 49 — — 49 Total Consumer-other $ 7,301 $ 22,207 $ 22,188 $ 18,666 $ 13,034 $ 26,421 $ 30,346 $ 140,163
Allowance for Credit Losses on Financing Receivables	The following table provides the activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2020 (in thousands): For the Three Months Ended March 31, 2020 Commercial Real Estate Multifamily Real Estate Construction and Land Commercial Business Agricultural Business One- to Four-Family Residential Consumer Unallocated Total Allowance for credit losses: Beginning balance $ 30,591 $ 4,754 $ 22,994 $ 23,370 $ 4,120 $ 4,136 $ 8,202 $ 2,392 $ 100,559 Impact of Adopting Topic 326 (2,864 ) (2,204 ) 2,515 3,010 (351 ) 7,125 2,973 7,812 Provision/(recapture) for credit losses 1,545 321 8,708 6,447 (1,006 ) 539 5,159 — 21,713 Recoveries 167 — — 205 1,750 148 96 — 2,366 Charge-offs (100 ) (66 ) — (1,384 ) — (64 ) (348 ) — (1,962 ) Ending balance $ 29,339 $ 2,805 $ 34,217 $ 31,648 $ 4,513 $ 11,884 $ 16,082 $ — $ 130,488 The changes in the allowance for credit losses during the three months ended March 31, 2020 were primarily the result of the $21.7 million provision for credit losses recorded during the current quarter, mostly due to the deterioration in the economy during the current quarter as a result of the COVID-19 pandemic, as well as forecasted additional future economic deterioration based on the reasonable and supportable economic forecast as of March 31, 2020 . In addition, the change for the current quarter included a $7.8 million increase related to the adoption of Financial Instruments - Credit Losses (Topic 326). The following tables provide additional information on the allowance for loan losses and loan balances individually and collectively evaluated for impairment at or for the three months ended March 31, 2019 (in thousands): For the Three Months Ended March 31, 2019 Commercial Real Estate Multifamily Construction and Land Commercial Business Agricultural Business One- to Four-Family Residential Consumer Unallocated Total Allowance for loan losses: Beginning balance $ 27,132 $ 3,818 $ 24,442 $ 19,438 $ 3,778 $ 4,714 $ 7,972 $ 5,191 $ 96,485 Provision/(recapture) for loan losses 369 202 (751 ) (209 ) (178 ) (46 ) 269 2,344 2,000 Recoveries 21 — 22 23 — 43 110 — 219 Charge-offs (431 ) — — (590 ) (4 ) — (371 ) — (1,396 ) Ending balance $ 27,091 $ 4,020 $ 23,713 $ 18,662 $ 3,596 $ 4,711 $ 7,980 $ 7,535 $ 97,308 March 31, 2019 Commercial Real Estate Multifamily Construction and Land Commercial Business Agricultural Business One- to Four-Family Residential Consumer Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 240 $ — $ — $ 12 $ 66 $ 59 $ 8 $ — $ 385 Collectively evaluated for impairment 26,851 4,020 23,713 18,627 3,472 4,652 7,972 7,535 96,842 Purchased credit-impaired loans — — — 23 58 — — — 81 Total allowance for loan losses $ 27,091 $ 4,020 $ 23,713 $ 18,662 $ 3,596 $ 4,711 $ 7,980 $ 7,535 $ 97,308 Loan balances: Individually evaluated for impairment $ 9,806 $ — $ 2,988 $ 514 $ 4,110 $ 4,116 $ 193 $ — $ 21,727 Collectively evaluated for impairment 3,545,162 387,014 1,093,159 1,523,166 368,781 963,370 776,948 — 8,657,600 Purchased credit impaired loans 11,805 128 — 618 431 95 253 — 13,330 Total loans $ 3,566,773 $ 387,142 $ 1,096,147 $ 1,524,298 $ 373,322 $ 967,581 $ 777,394 $ — $ 8,692,657

GOODWILL, OTHER INTANGIBLE AS_2

GOODWILL, OTHER INTANGIBLE ASSETS AND MORTGAGE SERVICING RIGHTS (Tables)	3 Months Ended
	Mar. 31, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Changes in Goodwill and Intangible Assets	The following table summarizes the changes in the Company’s goodwill and other intangibles for the three months ended March 31, 2020 and the year ended December 31, 2019 (in thousands): Goodwill CDI LHI Total Balance, December 31, 2018 $ 339,154 $ 32,699 $ 225 $ 372,078 Additions through acquisitions (1) 33,967 4,610 — 38,577 Amortization — (8,151 ) — (8,151 ) Adjustments (2) — — (225 ) (225 ) Balance, December 31, 2019 373,121 29,158 — 402,279 Amortization — (2,001 ) — (2,001 ) Balance, March 31, 2020 $ 373,121 $ 27,157 $ — $ 400,278 (1) The additions to Goodwill and CDI in 2019 relate to the acquisition of AltaPacific. (2) The adjustment to LHI represents a reclassification to the right-of-use lease asset in connection with the implementation of Lease Topic 842.
Schedule of Estimated Annual Amortization Expense	The following table presents the estimated amortization expense with respect to CDI as of March 31, 2020 for the periods indicated (in thousands): Estimated Amortization Remainder of 2020 $ 5,730 2021 6,571 2022 5,317 2023 3,814 2024 2,659 Thereafter 3,066 $ 27,157
Schedule of Servicing Assets at Amortized Value	An analysis of our mortgage servicing rights for the three months ended March 31, 2020 and 2019 is presented below (in thousands): Three Months Ended 2020 2019 Balance, beginning of the period $ 14,148 $ 14,638 Additions—amounts capitalized 1,420 672 Additions—through purchase 63 47 Amortization (1) (1,354 ) (940 ) Balance, end of the period (2) $ 14,277 $ 14,417 (1) Amortization of mortgage servicing rights is recorded as a reduction of loan servicing income within mortgage banking operations and any unamortized balance is fully amortized if the loan repays in full. (2) There was no valuation allowance as of March 31, 2020 and 2019 .

REAL ESTATE OWNED, NET (Tables)

REAL ESTATE OWNED, NET (Tables)	3 Months Ended
	Mar. 31, 2020
Real Estate [Abstract]
Schedule of Changes in Real Estate Owned, Net of Valuation Adjustments	The following table presents the changes in REO for the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended 2020 2019 Balance, beginning of the period $ 814 $ 2,611 Additions from loan foreclosures 1,588 — Balance, end of the period $ 2,402 $ 2,611

DEPOSITS (Tables)

DEPOSITS (Tables)	3 Months Ended
	Mar. 31, 2020
Banking and Thrift [Abstract]
Schedule of Deposit Liabilities	Deposits consisted of the following at March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 December 31, 2019 Non-interest-bearing accounts $ 4,107,262 $ 3,945,000 Interest-bearing checking 1,331,860 1,280,003 Regular savings accounts 1,997,265 1,934,041 Money market accounts 1,846,844 1,769,194 Total interest-bearing transaction and saving accounts 5,175,969 4,983,238 Certificates of deposit: Certificates of deposit less than or equal to $250,000 972,667 936,940 Certificates of deposit greater than $250,000 193,639 183,463 Total certificates of deposit (1) 1,166,306 1,120,403 Total deposits $ 10,449,537 $ 10,048,641 Included in total deposits: Public fund transaction and savings accounts $ 246,312 $ 244,418 Public fund interest-bearing certificates 48,232 35,184 Total public deposits $ 294,544 $ 279,602 Total brokered deposits $ 250,977 $ 202,884 (1) Certificates of deposit include $206,000 and $269,000 of acquisition premiums at March 31, 2020 and December 31, 2019 , respectively.
Maturities of Certificates of Deposit	Scheduled maturities and weighted average interest rates of certificates of deposit at March 31, 2020 are as follows (dollars in thousands): March 31, 2020 Amount Weighted Average Rate Maturing in one year or less $ 887,586 1.24 % Maturing after one year through two years 175,730 1.76 Maturing after two years through three years 76,073 1.81 Maturing after three years through four years 11,742 1.97 Maturing after four years through five years 12,652 1.97 Maturing after five years 2,523 1.14 Total certificates of deposit $ 1,166,306 1.37 %

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Schedule of Fair Value of Financial Instruments, by Balance Sheet Grouping	The following table presents estimated fair values of the Company’s financial instruments as of March 31, 2020 and December 31, 2019 , whether or not measured at fair value in the Consolidated Statements of Financial Condition (dollars in thousands): March 31, 2020 December 31, 2019 Level Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Assets: Cash and cash equivalents 1 $ 295,001 $ 295,001 $ 307,735 $ 307,735 Securities—trading 3 21,040 21,040 25,636 25,636 Securities—available-for-sale 2 1,608,224 1,608,224 1,551,557 1,551,557 Securities—held-to-maturity 2 435,119 446,412 233,241 234,952 Securities—held-to-maturity 3 2,825 2,825 2,853 2,853 Loans held for sale 2 182,428 182,766 210,447 210,670 Loans receivable 3 9,285,744 9,272,174 9,305,357 9,304,340 FHLB stock 3 20,247 20,247 28,342 28,342 Bank-owned life insurance 1 193,140 193,140 192,088 192,088 Mortgage servicing rights 3 14,277 20,931 14,148 22,611 Derivatives: Interest rate swaps 2 42,687 42,687 15,202 15,202 Interest rate lock and forward sales commitments 2,3 3,325 3,325 1,108 1,108 Liabilities: Demand, interest checking and money market accounts 2 7,285,966 7,285,966 6,994,197 6,994,197 Regular savings 2 1,997,265 1,997,265 1,934,041 1,934,041 Certificates of deposit 2 1,166,306 1,173,126 1,120,403 1,117,921 FHLB advances 2 247,000 251,978 450,000 452,720 Other borrowings 2 128,764 128,764 118,474 118,474 Junior subordinated debentures 3 99,795 99,795 119,304 119,304 Derivatives: Interest rate swaps 2 23,280 23,280 10,966 10,966 Interest rate lock and forward sales commitments 2 4,448 4,448 674 674
Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis	The following tables present financial assets and liabilities measured at fair value on a recurring basis and the level within the fair value hierarchy of the fair value measurements for those assets and liabilities as of March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 Level 1 Level 2 Level 3 Total Assets: Securities—trading Corporate bonds (Trust Preferred Securities) $ — $ — $ 21,040 $ 21,040 Securities—available-for-sale U.S. Government and agency obligations — 81,763 — 81,763 Municipal bonds — 181,039 — 181,039 Corporate bonds — 30,986 — 30,986 Mortgage-backed or related securities — 1,306,799 — 1,306,799 Asset-backed securities — 7,637 — 7,637 — 1,608,224 — 1,608,224 Loans held for sale — 169,239 — 169,239 Derivatives Interest rate swaps — 42,687 — 42,687 Interest rate lock and forward sales commitments — 808 2,517 3,325 $ — $ 1,820,958 $ 23,557 $ 1,844,515 Liabilities: Junior subordinated debentures, net of unamortized deferred issuance costs $ — $ — $ 99,795 $ 99,795 Derivatives Interest rate swaps — 23,280 — 23,280 Interest rate lock and forward sales commitments — 4,448 — 4,448 $ — $ 27,728 $ 99,795 $ 127,523 December 31, 2019 Level 1 Level 2 Level 3 Total Assets: Securities—trading Corporate bonds (Trust Preferred Securities) $ — $ — $ 25,636 $ 25,636 Securities—available-for-sale U.S. Government and agency obligations — 89,598 — 89,598 Municipal bonds — 107,157 — 107,157 Corporate bonds — 4,365 — 4,365 Mortgage-backed securities — 1,342,311 — 1,342,311 Asset-backed securities — 8,126 — 8,126 — 1,551,557 — 1,551,557 Loans held for sale — 199,397 — 199,397 Equity securities — — — — Derivatives Interest rate swaps — 15,202 — 15,202 Interest rate lock and forward sales commitments — 317 791 1,108 $ — $ 1,766,473 $ 26,427 $ 1,792,900 Liabilities: Junior subordinated debentures, net of unamortized deferred issuance costs $ — $ — $ 119,304 $ 119,304 Derivatives Interest rate swaps — 10,966 — 10,966 Interest rate lock and forward sales commitments — 674 — 674 $ — $ 11,640 $ 119,304 $ 130,944
Schedule of Valuation Technique, Unobservable Input, and Qualitative Information for Unobservable Inputs	The following table provides a description of the valuation technique, unobservable inputs, and qualitative information about the unobservable inputs for certain of the Company's assets and liabilities classified as Level 3 and measured at fair value on a recurring and non-recurring basis at March 31, 2020 and December 31, 2019 : Weighted Average Rate / Range Financial Instruments Valuation Techniques Unobservable Inputs March 31, 2020 December 31, 2019 Corporate bonds (TPS securities) Discounted cash flows Discount rate 6.70 % 5.91 % Junior subordinated debentures Discounted cash flows Discount rate 6.70 % 5.91 % Loans individually evaluated Collateral valuations Discount to appraised value 0.0% to 20.0% 0.0% to 20.0% REO Appraisals Discount to appraised value 52.03 % 58.50 % Interest rate lock commitments Pricing model Pull-through rate 84.19 % 89.61 %
Schedule of Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation	The following tables provide a reconciliation of the assets and liabilities measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended March 31, 2020 Level 3 Fair Value Inputs TPS Securities Borrowings—Junior Subordinated Debentures Beginning balance $ 25,636 $ 119,304 Total gains or losses recognized Assets losses (4,596 ) — Liabilities gains — (19,509 ) Ending balance at March 31, 2020 $ 21,040 $ 99,795 Three Months Ended March 31, 2019 Level 3 Fair Value Inputs TPS Securities Borrowings—Junior Subordinated Debentures Beginning balance $ 25,896 $ 114,091 Total gains or losses recognized Assets gains (58 ) — Liabilities losses — (174 ) Ending balance at March 31, 2019 $ 25,838 $ 113,917
Schedule of Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis	The following tables present financial assets measured at fair value on a non-recurring basis and the level within the fair value hierarchy of the fair value measurements for those assets as of March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 Level 1 Level 2 Level 3 Total Loans individually evaluated $ — $ — $ 19,954 $ 19,954 REO — — 2,402 2,402 December 31, 2019 Level 1 Level 2 Level 3 Total Impaired loans $ — $ — $ 14,853 $ 14,853 REO — — 814 814 The following table presents the losses resulting from non-recurring fair value adjustments for the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended March 31, 2020 2019 Loans individually evaluated $ — $ (300 ) REO — — Total loss from non-recurring measurements $ — $ (300 )

INCOME TAXES AND DEFERRED TAX_2

INCOME TAXES AND DEFERRED TAXES INCOME TAXES AND DEFERRED TAXES (Tables)	3 Months Ended
	Mar. 31, 2020
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	The following table presents the balances of the Company’s tax credit investments and related unfunded commitments at March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 December 31, 2019 Tax credit investments $ 33,811 $ 29,620 Unfunded commitments—tax credit investments 24,409 20,235 The following table presents other information related to the Company's tax credit investments for the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended 2020 2019 Tax credits and other tax benefits recognized $ 1,007 $ 494 Tax credit amortization expense included in provision for income taxes 809 405

CALCULATION OF WEIGHTED AVERA_2

CALCULATION OF WEIGHTED AVERAGE SHARES OUTSTANDING FOR EARNINGS PER SHARE (EPS) (Tables)	3 Months Ended
	Mar. 31, 2020
Earnings Per Share [Abstract]
Schedule of Basic and Diluted Weighted Shares Outstanding	The following table reconciles basic to diluted weighted average shares outstanding used to calculate earnings per share data for the three months ended March 31, 2020 and 2019 (in thousands, except shares and per share data): Three Months Ended 2020 2019 Net income $ 16,882 $ 33,346 Basic weighted average shares outstanding 35,463,541 35,050,376 Plus unvested restricted stock 176,922 121,680 Diluted weighted shares outstanding 35,640,463 35,172,056 Earnings per common share Basic $ 0.48 $ 0.95 Diluted $ 0.47 $ 0.95

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Schedule of Financial Instruments With Off-Balance-Sheet Risks	Outstanding commitments for which no asset or liability for the notional amount has been recorded consisted of the following at the dates indicated (in thousands): Contract or Notional Amount March 31, 2020 December 31, 2019 Commitments to extend credit $ 2,975,390 $ 3,051,681 Standby letters of credit and financial guarantees 15,619 14,298 Commitments to originate loans 75,180 39,676 Risk participation agreement 41,004 41,022 Derivatives also included in Note 14: Commitments to originate loans held for sale 191,119 66,196 Commitments to sell loans secured by one- to four-family residential properties 81,429 70,895 Commitments to sell securities related to mortgage banking activities 229,000 239,320

DERIVATIVES AND HEDGING (Tables

DERIVATIVES AND HEDGING (Tables)	3 Months Ended
	Mar. 31, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivatives Designated in Hedge Relationships	As of March 31, 2020 and December 31, 2019 , the notional values or contractual amounts and fair values of the Company's derivatives designated in hedge relationships were as follows (in thousands): Asset Derivatives Liability Derivatives March 31, 2020 December 31, 2019 March 31, 2020 December 31, 2019 Notional/ Contract Amount Fair Value (1) Notional/ Contract Amount Fair Value (1) Notional/ Contract Amount Fair Value (2) Notional/ Contract Amount Fair Value (2) Interest rate swaps $ 2,253 $ 155 $ 3,567 $ 220 $ 2,253 $ 155 $ 3,567 $ 220 (1) Included in Loans receivable on the consolidated statements of financial condition. (2) Included in Other liabilities on the consolidated statements of financial condition.
Schedule of Derivatives Not Designated in Hedge Relationships	As of March 31, 2020 and December 31, 2019 , the notional values or contractual amounts and fair values of the Company's derivatives not designated in hedge relationships were as follows (in thousands): Asset Derivatives Liability Derivatives March 31, 2020 December 31, 2019 March 31, 2020 December 31, 2019 Notional/ Contract Amount Fair Value (1) Notional/ Contract Amount Fair Value (1) Notional/ Contract Amount Fair Value (2) Notional/ Contract Amount Fair Value (2) Interest rate swaps $ 404,492 $ 42,532 $ 371,957 $ 14,982 $ 404,492 $ 23,125 $ 371,957 $ 10,746 Mortgage loan commitments 170,207 2,517 50,755 791 51,063 2 65,855 190 Forward sales contracts 81,429 808 70,895 317 229,000 4,446 239,320 484 $ 656,128 $ 45,857 $ 493,607 $ 16,090 $ 684,555 $ 27,573 $ 677,132 $ 11,420 (1) Included in Other assets on the Consolidated Statements of Financial Condition, with the exception of certain interest swaps and mortgage loan commitments (with a fair value of $959,000 at March 31, 2020 and $347,000 at December 31, 2019 ), which are included in Loans receivable. (2) Included in Other liabilities on the Consolidated Statements of Financial Condition. Gains (losses) recognized in income on derivatives not designated in hedge relationships for the three months ended March 31, 2020 and 2019 were as follows (in thousands): Location on Consolidated Statements of Operations Three Months Ended 2020 2019 Mortgage loan commitments Mortgage banking operations $ 1,726 $ 7 Forward sales contracts Mortgage banking operations (3,068 ) 150 $ (1,342 ) $ 157
Offsetting Assets and Liabilities	as of March 31, 2020 and December 31, 2019 (in thousands): March 31, 2020 Gross Amounts of Financial Instruments Not Offset in the Consolidated Statements of Financial Condition Gross Amounts Recognized Amounts offset in the Statement of Financial Condition Net Amounts in the Statement of Financial Condition Netting Adjustment Per Applicable Master Netting Agreements Fair Value of Financial Collateral in the Statement of Financial Condition Net Amount Derivative assets Interest rate swaps $ 42,687 $ — $ 42,687 $ — $ — $ 42,687 $ 42,687 $ — $ 42,687 $ — $ — $ 42,687 Derivative liabilities Interest rate swaps $ 42,687 $ (19,407 ) $ 23,280 $ — $ (23,285 ) $ (5 ) $ 42,687 $ (19,407 ) $ 23,280 $ — $ (23,285 ) $ (5 ) December 31, 2019 Gross Amounts of Financial Instruments Not Offset in the Consolidated Statements of Financial Condition Gross Amounts Recognized Amounts offset in the Statement of Financial Condition Net Amounts in the Statement of Financial Condition Netting Adjustment Per Applicable Master Netting Agreements Fair Value of Financial Collateral in the Statement of Financial Condition Net Amount Derivative assets Interest rate swaps $ 15,242 $ (40 ) $ 15,202 $ — $ — $ 15,202 $ 15,242 $ (40 ) $ 15,202 $ — $ — $ 15,202 Derivative liabilities Interest rate swaps $ 15,242 $ (4,276 ) $ 10,966 $ — $ (15,209 ) $ (4,243 ) $ 15,242 $ (4,276 ) $ 10,966 $ — $ (15,209 ) $ (4,243 )

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	3 Months Ended
	Mar. 31, 2020
Revenue from Contract with Customer [Abstract]
Disaggregation of Revenue [Table Text Block]	Deposit fees and other service charges for the three months ended March 31, 2020 and 2019 are summarized as follows (in thousands): Three Months Ended 2020 2019 Deposit service charges $ 4,832 $ 4,586 Debit and credit card interchange fees 4,884 7,931 Debit and credit card expense (1,932 ) (2,449 ) Merchant services income 3,002 2,856 Merchant services expense (2,436 ) (2,319 ) Other service charges 1,453 2,013 Total deposit fees and other service charges $ 9,803 $ 12,618

LEASES (Tables)

LEASES (Tables)	3 Months Ended
	Mar. 31, 2020
Leases [Abstract]
Lease, Costs	Lease Position as of March 31, 2020 and December 31, 2019 The table below presents the lease right-of-use assets and lease liabilities recorded on the balance sheet at March 31, 2020 and December 31, 2019 (dollars in thousands): Classification on the Balance Sheet March 31, 2020 December 31, 2019 Assets Operating right-of-use lease assets Other assets $ 59,620 $ 61,766 Liabilities Operating lease liabilities Accrued expenses and other liabilities $ 63,757 $ 65,818 Weighted-average remaining lease term Operating leases 6.0 years 6.2 years Weighted-average discount rate Operating leases 3.6 % 3.7 % Lease Costs The table below presents certain information related to the lease costs for operating leases for the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended 2020 2019 Operating lease cost (1) $ 4,164 $ 3,975 Short-term lease cost (1) 21 121 Variable lease cost (1) 811 561 Less sublease income (1) (254 ) (237 ) Total lease cost $ 4,742 $ 4,420 (1) Lease expenses and sublease income are classified within occupancy and equipment expense on the Consolidated Statements of Operations.
Lessee, Operating Lease, Liability, Maturity	The table below reconciles the undiscounted cash flows for each of the next five years beginning with 2020 and the total of the remaining years to the operating lease liabilities recorded on the Consolidated Statements of Financial Position (in thousands): Operating Leases Remainder of 2020 $ 12,180 2021 15,370 2022 11,764 2023 8,675 2024 6,756 Thereafter 16,489 Total minimum lease payments 71,234 Less: amount of lease payments representing interest (7,477 ) Lease obligations $ 63,757

ACCOUNTING STANDARDS RECENTLY_2

ACCOUNTING STANDARDS RECENTLY ISSUED OR ADOPTED (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Jan. 01, 2020	Dec. 31, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss	$ 98	$ 0	$ 0
Loans, allowance for credit loss		100,559
Liabilities, allowance for credit loss		2,716
New credit standard (Topic 326) - impact in year of adoption		(11,215)
U.S. Government and agency obligations
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss	0	0	0
Municipal bonds
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss	61	0	0
Corporate bonds
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss	37	0	0
Mortgage-backed or related securities
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss	$ 0	0	0
Impact of Topic 326 Adoption
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss		63	63
Loans, allowance for credit loss		7,812
Liabilities, allowance for credit loss		7,022
Allowance for credit loss		14,897
Impact of Topic 326 Adoption | U.S. Government and agency obligations
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss		0	0
Impact of Topic 326 Adoption | Municipal bonds
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss		28	28
Impact of Topic 326 Adoption | Corporate bonds
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss		35	35
Impact of Topic 326 Adoption | Mortgage-backed or related securities
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss		0	$ 0
January 1, 2020 As Reported Under Topic 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss		63
Loans, allowance for credit loss		108,371
Liabilities, allowance for credit loss		9,738
January 1, 2020 As Reported Under Topic 326 | U.S. Government and agency obligations
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss		0
January 1, 2020 As Reported Under Topic 326 | Municipal bonds
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss		28
January 1, 2020 As Reported Under Topic 326 | Corporate bonds
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss		35
January 1, 2020 As Reported Under Topic 326 | Mortgage-backed or related securities
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity debt securities, allowance for credit loss		0
Commercial real estate
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		30,591
Commercial real estate | Impact of Topic 326 Adoption
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		(2,864)
Commercial real estate | January 1, 2020 As Reported Under Topic 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		27,727
Multifamily real estate
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		4,754
Multifamily real estate | Impact of Topic 326 Adoption
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		(2,204)
Multifamily real estate | January 1, 2020 As Reported Under Topic 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		2,550
Construction and land
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		22,994
Construction and land | Impact of Topic 326 Adoption
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		2,515
Construction and land | January 1, 2020 As Reported Under Topic 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		25,509
Commercial business
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		23,370
Commercial business | Impact of Topic 326 Adoption
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		3,010
Commercial business | January 1, 2020 As Reported Under Topic 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		26,380
Agricultural business
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		4,120
Agricultural business | Impact of Topic 326 Adoption
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		(351)
Agricultural business | January 1, 2020 As Reported Under Topic 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		3,769
One-to four-family residential
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		4,136
One-to four-family residential | Impact of Topic 326 Adoption
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		7,125
One-to four-family residential | January 1, 2020 As Reported Under Topic 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		11,261
Consumer
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		8,202
Consumer | Impact of Topic 326 Adoption
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		2,973
Consumer | January 1, 2020 As Reported Under Topic 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		11,175
Unallocated
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		2,392
Unallocated | Impact of Topic 326 Adoption
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		(2,392)
Unallocated | January 1, 2020 As Reported Under Topic 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans, allowance for credit loss		0
Retained Earnings [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
New credit standard (Topic 326) - impact in year of adoption		$ (11,215)

BUSINESS COMBINATION Narrative

BUSINESS COMBINATION Narrative (Details) - USD ($) $ in Thousands	Nov. 01, 2019	Mar. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Business Acquisition [Line Items]
Goodwill		$ 373,121	$ 373,121	$ 339,154
AltaPacific Bank [Member]
Business Acquisition [Line Items]
Business Combination, Acquired Receivables, Non-Credit-Impaired, Fair Value	$ 328,200
Business Combination, Acquired Receivables, Non-Credit-Impaired, Discount	$ 5,300
Business Acquisition, Effective Date of Acquisition	Nov. 1, 2019
Percentage of voting interest acquired	100.00%
Business Combination, Ratio of Shares Acquired to Shares Exchanged	0.2712
Assets acquired	$ 425,669
Loans receivable (contractual amount of $338.2 million)	332,355
Deposits	313,374
Core deposit intangible	4,610
Goodwill	$ 33,967
Business combination, CDI acquired useful life	10 years
Business Combination, Acquired Receivables, Non-Credit-Impaired	$ 333,500
Credit related discount	$ 5,800

BUSINESS COMBINATION - Purchase

BUSINESS COMBINATION - Purchase Price Allocation (Details) - USD ($) $ in Thousands	Nov. 01, 2019	Mar. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Business Acquisition [Line Items]
Goodwill		$ 373,121	$ 373,121	$ 339,154
AltaPacific Bank [Member]
Business Acquisition [Line Items]
Business Combination, Acquired Receivables, Gross Contractual Amount	$ 338,200
Business Acquisition, Effective Date of Acquisition	Nov. 1, 2019
Cash paid	$ 2,360
Fair value of common shares issued	85,200
Total consideration	87,560
Cash and cash equivalents	39,686
Securities	20,348
business combination, recognized identifiable assets acquired and liabilities assumed, federal home loan bank stock	2,005
Loans receivable (contractual amount of $338.2 million)	332,355
Real estate owned held for sale	650
Property and equipment	3,809
Core deposit intangible	4,610
Business Combination Recognized Identifiable Assets Acquired and Liabilities Assumed, Bank Owned Life Insurance	11,890
Deferred tax asset	166
Other assets	10,150
Total assets acquired	425,669
Deposits	313,374
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Advances From FHLB	40,226
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Junior Subordinated Debentures	5,814
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deferred Compensation	4,508
Other liabilities	8,154
Total liabilities assumed	372,076
Net assets acquired	53,593
Goodwill	$ 33,967

BUSINESS COMBINATION Acquired P

BUSINESS COMBINATION Acquired PCI Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Nov. 01, 2019
Business Acquisition [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield	$ 4,778	$ 5,216
AltaPacific Bank [Member]
Business Acquisition [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, Contractually Required Payments Receivable at Acquisition			$ 5,881
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, Non-Accretable Difference			(1,046)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, Cash Flows Expected to be Collected at Acquisition			4,835
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield			(683)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, at Acquisition, at Fair Value			$ 4,152

SECURITIES (Schedule of Securit

SECURITIES (Schedule of Securities) (Details) - USD ($)	Mar. 31, 2020	Jan. 01, 2020	Dec. 31, 2019
Schedule of Securities [Line Items]
Securities—trading, Amortized Cost	$ 27,203,000		$ 27,203,000
Securities—trading	21,040,000		25,636,000
Available-for-sale Securities, Amortized Cost	1,544,513,000		1,529,946,000
Available-for-sale Securities, Gross Unrealized Gains	66,058,000		25,858,000
Available-for-sale Securities, Gross Unrealized Losses	(2,347,000)		(4,247,000)
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	0
Securities—available-for-sale	1,608,224,000		1,551,557,000
Held-to-maturity Securities, Amortized Cost	437,944,000		236,094,000
Held-to-maturity Securities, Gross Unrealized Gains	13,607,000		4,658,000
Held-to-maturity Securities, Gross Unrealized Losses	2,314,000		2,947,000
Securities—held-to-maturity	449,237,000		237,805,000
Debt Securities, Held-to-maturity, Allowance for Credit Loss	98,000	$ 0	0
U.S. Government and agency obligations [Member]
Schedule of Securities [Line Items]
Available-for-sale Securities, Amortized Cost	82,197,000		90,468,000
Available-for-sale Securities, Gross Unrealized Gains	520,000		286,000
Available-for-sale Securities, Gross Unrealized Losses	(954,000)		(1,156,000)
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	0
Securities—available-for-sale	81,763,000		89,598,000
Held-to-maturity Securities, Amortized Cost	373,000		385,000
Held-to-maturity Securities, Gross Unrealized Gains	8,000		4,000
Held-to-maturity Securities, Gross Unrealized Losses	0		0
Securities—held-to-maturity	381,000		389,000
Debt Securities, Held-to-maturity, Allowance for Credit Loss	0	0	0
Municipal bonds
Schedule of Securities [Line Items]
Available-for-sale Securities, Amortized Cost	171,486,000		101,927,000
Available-for-sale Securities, Gross Unrealized Gains	9,726,000		5,233,000
Available-for-sale Securities, Gross Unrealized Losses	(173,000)		(3,000)
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	0
Securities—available-for-sale	181,039,000		107,157,000
Held-to-maturity Securities, Amortized Cost	380,483,000		177,208,000
Held-to-maturity Securities, Gross Unrealized Gains	10,830,000		3,733,000
Held-to-maturity Securities, Gross Unrealized Losses	2,292,000		2,213,000
Securities—held-to-maturity	389,021,000		178,728,000
Debt Securities, Held-to-maturity, Allowance for Credit Loss	61,000	0	0
Corporate bonds
Schedule of Securities [Line Items]
Securities—trading, Amortized Cost	27,203,000		27,203,000
Securities—trading	21,040,000		25,636,000
Available-for-sale Securities, Amortized Cost	30,094,000		4,357,000
Available-for-sale Securities, Gross Unrealized Gains	1,101,000		14,000
Available-for-sale Securities, Gross Unrealized Losses	(209,000)		(6,000)
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	0
Securities—available-for-sale	30,986,000		4,365,000
Held-to-maturity Securities, Amortized Cost	3,325,000		3,353,000
Held-to-maturity Securities, Gross Unrealized Gains	0		0
Held-to-maturity Securities, Gross Unrealized Losses	10,000		11,000
Securities—held-to-maturity	3,315,000		3,342,000
Debt Securities, Held-to-maturity, Allowance for Credit Loss	37,000	0	0
Mortgage-backed or related securities [Member]
Schedule of Securities [Line Items]
Available-for-sale Securities, Amortized Cost	1,252,606,000		1,324,999,000
Available-for-sale Securities, Gross Unrealized Gains	54,711,000		20,325,000
Available-for-sale Securities, Gross Unrealized Losses	(518,000)		(3,013,000)
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	0
Securities—available-for-sale	1,306,799,000		1,342,311,000
Held-to-maturity Securities, Amortized Cost	53,763,000		55,148,000
Held-to-maturity Securities, Gross Unrealized Gains	2,769,000		921,000
Held-to-maturity Securities, Gross Unrealized Losses	12,000		723,000
Securities—held-to-maturity	56,520,000		55,346,000
Debt Securities, Held-to-maturity, Allowance for Credit Loss	0	$ 0	0
Asset-backed Securities [Member]
Schedule of Securities [Line Items]
Available-for-sale Securities, Amortized Cost	8,130,000		8,195,000
Available-for-sale Securities, Gross Unrealized Gains	0		0
Available-for-sale Securities, Gross Unrealized Losses	(493,000)		(69,000)
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	0
Securities—available-for-sale	$ 7,637,000		$ 8,126,000

SECURITIES (Securities with Con

SECURITIES (Securities with Continuous Loss Position) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Schedule of Held-to-maturity Securities [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	$ 62,406	$ 307,299
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(940)	(2,872)
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	69,620	100,822
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(1,407)	(1,375)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	132,026	408,121
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(2,347)	(4,247)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		55,722
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		2,612
Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		19,506
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		(335)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		75,228
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		2,947
U.S. Government and agency obligations [Member]
Schedule of Held-to-maturity Securities [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	2,575	2,747
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(18)	(20)
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	56,531	60,979
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(936)	(1,136)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	59,106	63,726
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(954)	(1,156)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		0
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		0
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		0
Municipal bonds
Schedule of Held-to-maturity Securities [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	11,767	1,902
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(173)	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	0	494
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(3)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	11,767	2,396
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(173)	(3)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		44,605
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		1,889
Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		19,017
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		(324)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		63,622
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		2,213
Corporate bonds
Schedule of Held-to-maturity Securities [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	4,148	594
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(209)	(6)
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	4,148	594
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(209)	(6)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		489
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		(11)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		489
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		11
Mortgage-backed or related securities
Schedule of Held-to-maturity Securities [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	42,545	300,852
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(487)	(2,829)
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	7,218	33,360
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(31)	(184)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	49,763	334,212
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(518)	(3,013)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		11,117
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		723
Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		0
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		11,117
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		723
Asset-backed Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	1,371	1,204
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(53)	(17)
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	5,871	5,989
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(440)	(52)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	7,242	7,193
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ (493)	$ (69)

SECURITIES (Securities Debt Mat

SECURITIES (Securities Debt Maturities) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Trading Securities, Amortized Cost, Maturing in one year or less	$ 0
Trading Securities, Amortized Cost, Maturing after one year through five years	0
Trading Securities, Amortized Cost, Maturing after five years through ten years	0
Trading Securities, Amortized Cost, Maturing after ten years through twenty years	27,203
Trading Securities, Amortized Cost, Maturing after twenty years	0
Trading Securities, Amortized Cost	27,203	$ 27,203
Trading Securities, Fair Value, Maturing in one year or less	0
Trading Securities, Fair Value, Maturing after one year through five years	0
Trading Securities, Fair Value, Maturing after five years through ten years	0
Trading Securities, Fair Value, Maturing after ten years through twenty years	21,040
Trading Securities, Fair Value, Maturing after twenty years	0
Trading Securities, Fair Value	21,040	25,636
Available-for-sale Securities, Amortized Cost, Maturing in one year or less	2,500
Available-for-sale Securities, Amortized Cost, Maturing after one year through five years	66,644
Available-for-sale Securities, Amortized Cost, Maturing after five years through ten years	352,386
Available-for-sale Securities, Amortized Cost, Maturing after ten years through twenty years	265,561
Available-for-sale Securities, Amortized Cost, Maturing after twenty years	857,422
Available-for-sale Securities, Amortized Cost	1,544,513	1,529,946
Available-for-sale Securities, Fair Value, Maturing in one year or less	2,496
Available-for-sale Securities, Fair Value, Maturing after one year through five years	68,453
Available-for-sale Securities, Fair Value, Maturing after five years through ten years	370,139
Available-for-sale Securities, Fair Value, Maturing after ten years through twenty years	277,549
Available-for-sale Securities, Fair Value, Maturing after twenty years	889,587
Available-for-sale Securities, Fair Value	1,608,224	1,551,557
Held-to-maturity Securities, Amortized Cost, Maturing in one year or less	807
Held-to-maturity Securities, Amortized Cost, Maturing after one year through five years	59,949
Held-to-maturity Securities, Amortized Cost, Maturing after five years through ten years	44,006
Held-to-maturity Securities, Amortized Cost, Maturing after ten years through twenty years	124,627
Held-to-maturity Securities, Amortized Cost, Maturing after twenty years	208,555
Held-to-maturity Securities, Amortized Cost	437,944	236,094
Held-to-maturity Securities, Fair Value, Maturing in one year or less	808
Held-to-maturity Securities, Fair Value, Maturing after one year through five years	61,827
Held-to-maturity Securities, Fair Value, Maturing after five years through ten years	46,085
Held-to-maturity Securities, Fair Value, Maturing after ten years through twenty years	126,785
Held-to-maturity Securities, Fair Value, Maturing after twenty years	213,732
Debt Securities, Held-to-maturity, Fair Value	$ 449,237	$ 237,805

SECURITIES (Securities Pledged)

SECURITIES (Securities Pledged) (Details) $ in Thousands	Mar. 31, 2020USD ($)
Pledged Financial Instruments, Not Separately Reported, Securities [Abstract]
Securities pledged for State and Local Government Public Deposits, Carrying Value	$ 155,588
Securities pledged for Interest Rate Swap Counterparties, Carrying Value	28,049
Securities pledged for Repurchase Agreements, Carrying Value	153,285
Pledged Financial Instruments, Not Separately Reported, Interest-bearing Deposits for Other Debt Facilities	2,665
Total pledged securities, Carrying Value	339,587
Securities pledged for State and Local Government public deposits, Amortized Cost	154,453
Securities pledged for Interest Rate Swap Counterparties, Amortized Cost	26,923
Securities pledged for Repurchase Agreements, Amortized Cost	147,608
Pledged Financial Instruments, Not Separately Reported, Interest-bearing Deposits for Other Debt Facilities, Amortized Cost	2,665
Total pledged securities, Amortized Cost	331,649
Securities pledged for State and Local Government Public Deposits, Fair Value	160,654
Securities pledged for Interest Rate Swap Counterparties, Fair Value	28,432
Securities pledged for Retail Repurchase Agreements, Fair Value	153,286
Pledged Financial Instruments, Not Separately Reported, Interest-bearing Deposits for Other Debt Facilities, Fair Value	2,733
Total pledged securities, Fair Value	$ 345,105

SECURITIES (Textual) (Details)

SECURITIES (Textual) (Details)	3 Months Ended
	Mar. 31, 2020USD ($)security	Mar. 31, 2019USD ($)security	Dec. 31, 2019security
Investments, Debt and Equity Securities [Abstract]
Trading Securities, Sale Proceeds	$ 0	$ 0
Trading Securities, Realized Gain (Loss)	0	0
Trading Securities, OTTI (Recovery) Charges	$ 0	0
Trading Securities, Number of Securities on Nonaccrual Status | security	0		0
Trading Securities, Unrealized Holding Loss	$ (4,600,000)
Trading Securities, Unrealized Holding Gain		$ (58,000)
Debt Securities, Available-for-sale [Abstract]
Available-for-sale Securities, Number of Securities in Unrealized Loss Position | security	59		90
Available-for-sale Securities, Gross Realized Gains (Losses), Number of Securities Sold | security	10	1
Available-for-sale Securities, Sale Proceeds	$ 44,500,000	$ 500,000
Debt Securities, Available-for-sale, Realized Gain (Loss)	78,000
Available-for-sale Securities, Gross Realized Gain (Loss)		1,000,000
Available-for-sale Securities, OTTI Charges	$ 0	$ 0
Available-for-sale Securities, Number of Securities in Nonaccrual Status | security	0		0
Held-to-maturity Securities [Abstract]
Held-to-maturity Securities, Number of Securities in Unrealized Loss Position | security			17
Held-to-maturity Securities, Number of Securities Sold | security	0	0
Held-to-maturity Securities, OTTI Charges	$ 0	$ 0
Held-to-maturity Securities, Number of Securities in Nonaccrual Status | security	0		0
Trading Securities, Number of Securities Sold | security		0

SECURITIES (Debt Securities, He

SECURITIES (Debt Securities, Held-to-Maturity, Credit Rating) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	$ 437,944	$ 236,094
U.S. Government and agency obligations
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	373
Municipal bonds
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	380,483
Corporate bonds
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	3,325
Mortgage-backed or related securities
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	53,763
AAA/AA/A
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	349,162
AAA/AA/A | U.S. Government and agency obligations
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	0
AAA/AA/A | Municipal bonds
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	348,662
AAA/AA/A | Corporate bonds
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	500
AAA/AA/A | Mortgage-backed or related securities
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	0
BBB/BB/B
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	0
BBB/BB/B | U.S. Government and agency obligations
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	0
BBB/BB/B | Municipal bonds
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	0
BBB/BB/B | Corporate bonds
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	0
BBB/BB/B | Mortgage-backed or related securities
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	0
Not Rated
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	88,782
Not Rated | U.S. Government and agency obligations
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	373
Not Rated | Municipal bonds
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	31,821
Not Rated | Corporate bonds
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	2,825
Not Rated | Mortgage-backed or related securities
Financing Receivable, Credit Quality Indicator [Line Items]
Debt securities, held-to-maturity	$ 53,763

SECURITIES (Debt Securities, _2

SECURITIES (Debt Securities, Held-to-Maturity, Allowance for Credit Loss) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 0
Provision for credit losses	35
Securities charged-off	0
Recoveries	0
Ending Balance	98
Impact of Topic 326 Adoption
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning Balance	63
U.S. Government and agency obligations
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning Balance	0
Provision for credit losses	0
Securities charged-off	0
Recoveries	0
Ending Balance	0
U.S. Government and agency obligations | Impact of Topic 326 Adoption
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning Balance	0
Municipal bonds
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning Balance	0
Provision for credit losses	33
Securities charged-off	0
Recoveries	0
Ending Balance	61
Municipal bonds | Impact of Topic 326 Adoption
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning Balance	28
Corporate bonds
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning Balance	0
Provision for credit losses	2
Securities charged-off	0
Recoveries	0
Ending Balance	37
Corporate bonds | Impact of Topic 326 Adoption
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning Balance	35
Mortgage-backed or related securities
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning Balance	0
Provision for credit losses	0
Securities charged-off	0
Recoveries	0
Ending Balance	0
Mortgage-backed or related securities | Impact of Topic 326 Adoption
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 0

LOANS RECEIVABLE AND THE ALLO_3

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Loans by Type) (Details) - USD ($)	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 9,285,744,000	$ 9,305,357,000	$ 8,692,657,000
Allowance for credit losses - loans	(130,488,000)	(100,559,000)	(97,308,000)	$ (96,485,000)
Net loans	9,155,256,000	$ 9,204,798,000
Percent of total loans		100.00%
Unearned loan fees in excess of unamortized costs	451,000	$ (438,000)
Discount on acquired loans, net	22,200,000	25,000,000
Commerical real estate - owner-occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	1,024,089,000	$ 1,580,650,000
Percent of total loans		17.00%
Commercial real estate - investment properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	2,007,537,000	$ 2,309,221,000
Percent of total loans		24.80%
Multifamily real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	400,206,000	$ 473,152,000	387,142,000
Allowance for credit losses - loans	(2,805,000)	$ (4,754,000)	(4,020,000)	(3,818,000)
Percent of total loans		5.10%
Commercial construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	205,476,000	$ 210,668,000
Percent of total loans		2.30%
Multifamily construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	250,410,000	$ 233,610,000
Percent of total loans		2.50%
One- to four- family construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	534,956,000	$ 544,308,000
Percent of total loans		5.80%
Land and land development - residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	232,506,000	$ 154,688,000
Percent of total loans		1.70%
Land and land development - commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable		$ 26,290,000
Percent of total loans		0.30%
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	1,357,817,000	$ 1,693,824,000	1,524,298,000
Allowance for credit losses - loans	(31,648,000)	$ (23,370,000)	(18,662,000)	(19,438,000)
Percent of total loans		18.20%
Small business scored
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	807,539,000
Agricultural business, including secured by farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	330,257,000	$ 370,549,000	373,322,000
Allowance for credit losses - loans	(4,513,000)	$ (4,120,000)	(3,596,000)	(3,778,000)
Percent of total loans		4.00%
One- to four-family residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	881,387,000	$ 945,622,000	967,581,000
Allowance for credit losses - loans	(11,884,000)	$ (4,136,000)	$ (4,711,000)	$ (4,714,000)
Percent of total loans		10.20%
Consumer secured by one- to four-family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	521,618,000	$ 550,960,000
Percent of total loans		5.80%
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	140,163,000	$ 211,815,000
Percent of total loans		2.30%
January 1, 2020 As Reported Under Topic 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	9,285,744,000	$ 9,305,357,000
Allowance for credit losses - loans	(130,488,000)	(100,559,000)
Net loans	$ 9,155,256,000	$ 9,204,798,000
Percent of total loans	100.00%	100.00%
January 1, 2020 As Reported Under Topic 326 | Commerical real estate - owner-occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 1,024,089,000	$ 980,021,000
Percent of total loans	11.00%	10.50%
January 1, 2020 As Reported Under Topic 326 | Commercial real estate - investment properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 2,007,537,000	$ 2,024,988,000
Percent of total loans	21.60%	21.80%
January 1, 2020 As Reported Under Topic 326 | Multifamily real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 400,206,000	$ 388,388,000
Percent of total loans	4.30%	4.20%
January 1, 2020 As Reported Under Topic 326 | Commercial construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 205,476,000	$ 210,668,000
Percent of total loans	2.20%	2.30%
January 1, 2020 As Reported Under Topic 326 | Multifamily construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 250,410,000	$ 233,610,000
Percent of total loans	2.70%	2.50%
January 1, 2020 As Reported Under Topic 326 | One- to four- family construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 534,956,000	$ 544,308,000
Percent of total loans	5.80%	5.80%
January 1, 2020 As Reported Under Topic 326 | Land and Land Development Type [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 232,506,000	$ 245,530,000
Percent of total loans	2.50%	2.60%
January 1, 2020 As Reported Under Topic 326 | Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 1,357,817,000	$ 1,364,650,000
Percent of total loans	14.60%	14.70%
January 1, 2020 As Reported Under Topic 326 | Small business scored
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 807,539,000	$ 772,657,000
Percent of total loans	8.70%	8.30%
January 1, 2020 As Reported Under Topic 326 | Small Balance Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 591,783,000	$ 613,484,000
Percent of total loans	6.40%	6.60%
January 1, 2020 As Reported Under Topic 326 | Agricultural business, including secured by farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 330,257,000	$ 337,271,000
Percent of total loans	3.60%	3.60%
January 1, 2020 As Reported Under Topic 326 | One- to four-family residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 881,387,000	$ 925,531,000
Percent of total loans	9.50%	9.90%
January 1, 2020 As Reported Under Topic 326 | Consumer secured by one- to four-family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 521,618,000	$ 519,336,000
Percent of total loans	5.60%	5.60%
January 1, 2020 As Reported Under Topic 326 | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 140,163,000	$ 144,915,000
Percent of total loans	1.50%	1.60%

LOANS RECEIVABLE AND THE ALLO_4

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Purchased Credit-Impaired Loans, Changes in Accretable Yield) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019
Receivables [Abstract]
Outstanding contractual unpaid balance of purchased credit-impaired loans		$ 23,500
Carrying balance of purchased credit-impaired loans		15,938	$ 13,330
Accretable Yield Movement Schedule [Roll Forward]
Balance, beginning of period	$ 5,216
Accretion to interest income	(493)
Disposals	0
Reclassifications from non-accretable difference	55
Balance, end of period	$ 4,778
Certain Loans Acquired in Transfer, Nonaccretable Difference		$ 7,400

LOANS RECEIVABLE AND THE ALLO_5

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Impaired Loans With and Without Specific Reserves) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2020	Dec. 31, 2019
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance			$ 49,605
Recorded Investment, Without Allowance			21,780
Recorded Investment, With Allowance			24,284
Related Allowance			4,374
Average Recorded Investment	$ 31,498
Interest Income Recognized	181
Commerical real estate - owner-occupied [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance			4,185
Recorded Investment, Without Allowance			3,816
Recorded Investment, With Allowance			194
Related Allowance			18
Average Recorded Investment	3,451
Interest Income Recognized	2
Commercial real estate - investment properties
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance			3,536
Recorded Investment, Without Allowance			1,883
Recorded Investment, With Allowance			690
Related Allowance			40
Average Recorded Investment	7,227
Interest Income Recognized	76
Multifamily real estate
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance		$ 82	573
Recorded Investment, Without Allowance		85	98
Recorded Investment, With Allowance		0	0
Related Allowance		$ 0	0
Commercial construction
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	1,427
Interest Income Recognized	0
One- to four- family construction
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance			1,799
Recorded Investment, Without Allowance			1,799
Recorded Investment, With Allowance			0
Related Allowance			0
Average Recorded Investment	919
Interest Income Recognized	0
Land and land development - residential [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance			676
Recorded Investment, Without Allowance			340
Recorded Investment, With Allowance			0
Related Allowance			0
Average Recorded Investment	726
Interest Income Recognized	0
Commercial business
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance			25,117
Recorded Investment, Without Allowance			4,614
Recorded Investment, With Allowance			19,330
Related Allowance			4,128
Average Recorded Investment	3,803
Interest Income Recognized	5
Agricultural business, including secured by farmland
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance			3,044
Recorded Investment, Without Allowance			661
Recorded Investment, With Allowance			2,243
Related Allowance			141
Average Recorded Investment	5,117
Interest Income Recognized	27
One- to four-family residential [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance			7,290
Recorded Investment, Without Allowance			5,613
Recorded Investment, With Allowance			1,648
Related Allowance			41
Average Recorded Investment	6,446
Interest Income Recognized	65
Consumer secured by one- to four-family [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance			3,081
Recorded Investment, Without Allowance			2,712
Recorded Investment, With Allowance			127
Related Allowance			5
Average Recorded Investment	2,063
Interest Income Recognized	5
Consumer
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance			222
Recorded Investment, Without Allowance			159
Recorded Investment, With Allowance			52
Related Allowance			$ 1
Average Recorded Investment	319
Interest Income Recognized	$ 1

LOANS RECEIVABLE AND THE ALLO_6

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Troubled Debt Restructuring) (Details)	3 Months Ended
	Mar. 31, 2020USD ($)contract	Mar. 31, 2019USD ($)contract	Dec. 31, 2019USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Commitments to advance funds related to TDRs, maximum additional amounts	$ 1,200,000		$ 0
Number of Contracts | contract	2	1
Pre-modification Outstanding Recorded Investment	$ 4,796,000	$ 1,090,000
Post-modification Outstanding Recorded Investment	$ 4,796,000	$ 1,090,000
Commercial real estate - investment properties
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract		1
Pre-modification Outstanding Recorded Investment		$ 1,090,000
Post-modification Outstanding Recorded Investment		$ 1,090,000
Commercial business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	2
Pre-modification Outstanding Recorded Investment	$ 4,796,000
Post-modification Outstanding Recorded Investment	$ 4,796,000

LOANS RECEIVABLE AND THE ALLO_7

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Newly Restructured Loans) (Details)	3 Months Ended
	Mar. 31, 2020USD ($)contract	Mar. 31, 2019contract	Dec. 31, 2019USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Commitments to advance funds related to TDRs, maximum additional amounts | $	$ 1,200,000		$ 0
Number of Contracts | contract	2	1

LOANS RECEIVABLE AND THE ALLO_8

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Troubled Debt Restructuring Which Incurred Payment Default) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDRs Which Incurred a Payment Default	$ 0	$ 0

LOANS RECEIVABLE AND THE ALLO_9

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Risk-Rated and Non-Risk Rated Loans by Grade and Other Characteristic) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	$ 9,285,744	$ 9,305,357	$ 8,692,657
Commercial real estate - owner occupied
Financing Receivable, Credit Quality Indicator [Line Items]
2020	86,515
2019	212,466
2018	173,276
2017	141,737
2016	110,472
Prior	291,696
Revolving Loans	7,927
Total Loans	1,024,089
Loans receivable	1,024,089	1,580,650
Commercial real estate - investment properties
Financing Receivable, Credit Quality Indicator [Line Items]
2020	42,548
2019	303,422
2018	350,346
2017	309,865
2016	328,681
Prior	642,391
Revolving Loans	30,284
Total Loans	2,007,537
Loans receivable	2,007,537	2,309,221
Multifamily real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2020	21,907
2019	72,099
2018	45,457
2017	102,668
2016	47,554
Prior	108,743
Revolving Loans	1,778
Total Loans	400,206
Loans receivable	400,206	473,152	387,142
Commercial construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	17,290
2019	113,200
2018	61,732
2017	9,326
2016	2,329
Prior	1,599
Revolving Loans	0
Total Loans	205,476
Loans receivable	205,476	210,668
Multifamily construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	39,395
2019	115,501
2018	76,925
2017	12,945
2016	0
Prior	0
Revolving Loans	5,644
Total Loans	250,410
Loans receivable	250,410	233,610
One- to four- family construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	145,711
2019	372,014
2018	11,536
2017	0
2016	7
Prior	0
Revolving Loans	5,688
Total Loans	534,956
Loans receivable	534,956	544,308
Land and land development
Financing Receivable, Credit Quality Indicator [Line Items]
2020	36,452
2019	126,935
2018	44,296
2017	10,708
2016	7,275
Prior	6,580
Revolving Loans	260
Total Loans	232,506
Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
2020	77,653
2019	288,311
2018	241,005
2017	103,908
2016	57,894
Prior	95,077
Revolving Loans	493,969
Total Loans	1,357,817
Loans receivable	1,357,817	1,693,824	1,524,298
Agricultural business, including secured by farmland
Financing Receivable, Credit Quality Indicator [Line Items]
2020	18,553
2019	71,160
2018	41,908
2017	27,945
2016	28,141
Prior	37,258
Revolving Loans	105,292
Total Loans	330,257
Loans receivable	330,257	370,549	373,322
Small balance CRE
Financing Receivable, Credit Quality Indicator [Line Items]
2020	3,076
2019	72,601
2018	91,837
2017	76,082
2016	80,463
Prior	266,535
Revolving Loans	1,189
Total Loans	591,783
Loans receivable	591,783
Small business scored
Financing Receivable, Credit Quality Indicator [Line Items]
2020	49,439
2019	177,749
2018	162,371
2017	117,773
2016	61,181
Prior	86,373
Revolving Loans	152,653
Total Loans	807,539
Loans receivable	807,539
One- to four- family residential
Financing Receivable, Credit Quality Indicator [Line Items]
2020	11,236
2019	123,181
2018	142,786
2017	157,706
2016	77,516
Prior	364,161
Revolving Loans	4,801
Total Loans	881,387
Loans receivable	881,387	945,622	$ 967,581
Consumer—home equity revolving lines of credit
Financing Receivable, Credit Quality Indicator [Line Items]
2020	14,227
2019	2,053
2018	1,774
2017	2,657
2016	1,520
Prior	4,279
Revolving Loans	495,108
Total Loans	521,618
Consumer—other
Financing Receivable, Credit Quality Indicator [Line Items]
2020	7,301
2019	22,207
2018	22,188
2017	18,666
2016	13,034
Prior	26,421
Revolving Loans	30,346
Total Loans	140,163
Loans receivable		211,815
Land and land development - residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	232,506	154,688
Land and land development - commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		26,290
Consumer secured by one- to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	521,618	550,960
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		9,130,662
Pass | Commercial real estate - owner occupied
Financing Receivable, Credit Quality Indicator [Line Items]
2020	86,515
2019	209,528
2018	171,907
2017	133,579
2016	109,177
Prior	280,979
Revolving Loans	7,927
Total Loans	999,612
Loans receivable		1,546,649
Pass | Commercial real estate - investment properties
Financing Receivable, Credit Quality Indicator [Line Items]
2020	42,548
2019	296,128
2018	347,941
2017	309,865
2016	328,239
Prior	631,602
Revolving Loans	30,284
Total Loans	1,986,607
Loans receivable		2,288,785
Pass | Multifamily real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2020	21,907
2019	72,099
2018	45,457
2017	102,668
2016	47,554
Prior	108,743
Revolving Loans	1,778
Total Loans	400,206
Loans receivable		472,856
Pass | Commercial construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	17,290
2019	101,679
2018	55,535
2017	9,326
2016	2,231
Prior	1,599
Revolving Loans	0
Total Loans	187,660
Loans receivable		198,986
Pass | Multifamily construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	39,395
2019	115,501
2018	76,925
2017	12,945
2016	0
Prior	0
Revolving Loans	5,644
Total Loans	250,410
Loans receivable		233,610
Pass | One- to four- family construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	143,457
2019	357,179
2018	11,536
2017	0
2016	7
Prior	0
Revolving Loans	5,058
Total Loans	517,237
Loans receivable		530,307
Pass | Land and land development
Financing Receivable, Credit Quality Indicator [Line Items]
2020	36,452
2019	126,901
2018	44,296
2017	10,708
2016	7,275
Prior	6,580
Revolving Loans	260
Total Loans	232,472
Pass | Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
2020	74,684
2019	284,798
2018	228,436
2017	98,502
2016	52,755
Prior	89,037
Revolving Loans	466,294
Total Loans	1,294,506
Loans receivable		1,627,170
Pass | Agricultural business, including secured by farmland
Financing Receivable, Credit Quality Indicator [Line Items]
2020	17,928
2019	64,309
2018	35,934
2017	26,835
2016	27,403
Prior	35,133
Revolving Loans	102,965
Total Loans	310,507
Loans receivable		352,408
Pass | Small business scored
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		764,600
Pass | One- to four- family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		940,424
Pass | Consumer—other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		211,475
Pass | Land and land development - residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		154,348
Pass | Land and land development - commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		26,256
Pass | Consumer secured by one- to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		547,388
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		61,189
Special Mention | Commercial real estate - owner occupied
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	2,438
2018	1,369
2017	2,353
2016	0
Prior	103
Revolving Loans	0
Total Loans	6,263
Loans receivable		4,198
Special Mention | Commercial real estate - investment properties
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	3,360
2018	0
2017	0
2016	0
Prior	976
Revolving Loans	0
Total Loans	4,336
Loans receivable		2,193
Special Mention | Multifamily real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Special Mention | Commercial construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	6,197
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	6,197
Loans receivable		0
Special Mention | Multifamily construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Special Mention | One- to four- family construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	2,254
2019	13,540
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	630
Total Loans	16,424
Loans receivable		12,534
Special Mention | Land and land development
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Special Mention | Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
2020	65
2019	1,314
2018	5,021
2017	1,472
2016	4,846
Prior	5,091
Revolving Loans	8,635
Total Loans	26,444
Loans receivable		31,012
Special Mention | Agricultural business, including secured by farmland
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	1,328
2018	0
2017	919
2016	676
Prior	1,418
Revolving Loans	0
Total Loans	4,341
Loans receivable		10,840
Special Mention | One- to four- family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		409
Special Mention | Consumer—other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		3
Special Mention | Land and land development - residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Special Mention | Land and land development - commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Special Mention | Consumer secured by one- to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		113,448
Substandard | Commercial real estate - owner occupied
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	500
2018	0
2017	5,805
2016	1,295
Prior	10,614
Revolving Loans	0
Total Loans	18,214
Loans receivable		29,803
Substandard | Commercial real estate - investment properties
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	3,934
2018	2,405
2017	0
2016	442
Prior	9,813
Revolving Loans	0
Total Loans	16,594
Loans receivable		18,243
Substandard | Multifamily real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		296
Substandard | Commercial construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	11,521
2018	0
2017	0
2016	98
Prior	0
Revolving Loans	0
Total Loans	11,619
Loans receivable		11,682
Substandard | Multifamily construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Substandard | One- to four- family construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	1,295
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	1,295
Loans receivable		1,467
Substandard | Land and land development
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	34
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	34
Substandard | Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
2020	2,904
2019	2,199
2018	7,548
2017	3,934
2016	293
Prior	949
Revolving Loans	19,040
Total Loans	36,867
Loans receivable		35,584
Substandard | Agricultural business, including secured by farmland
Financing Receivable, Credit Quality Indicator [Line Items]
2020	625
2019	5,523
2018	5,974
2017	191
2016	62
Prior	707
Revolving Loans	2,327
Total Loans	15,409
Loans receivable		7,301
Substandard | One- to four- family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		4,789
Substandard | Consumer—other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		337
Substandard | Land and land development - residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		340
Substandard | Land and land development - commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		34
Substandard | Consumer secured by one- to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		3,572
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		58
Doubtful | Commercial real estate - owner occupied
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Doubtful | Commercial real estate - investment properties
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Doubtful | Multifamily real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Doubtful | Commercial construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Doubtful | Multifamily construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Doubtful | One- to four- family construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Doubtful | Land and land development
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Doubtful | Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		58
Doubtful | Agricultural business, including secured by farmland
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Doubtful | One- to four- family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Doubtful | Consumer—other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Doubtful | Land and land development - residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Doubtful | Land and land development - commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Doubtful | Consumer secured by one- to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Loss | Commercial real estate - owner occupied
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Loss | Commercial real estate - investment properties
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Loss | Multifamily real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Loss | Commercial construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Loss | Multifamily construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Loss | One- to four- family construction
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Loss | Land and land development
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loss | Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Loss | Agricultural business, including secured by farmland
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total Loans	0
Loans receivable		0
Loss | One- to four- family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Loss | Consumer—other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Loss | Land and land development - residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Loss | Land and land development - commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		0
Loss | Consumer secured by one- to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable		$ 0
Current | Small balance CRE
Financing Receivable, Credit Quality Indicator [Line Items]
2020	3,076
2019	72,221
2018	91,455
2017	75,742
2016	80,463
Prior	265,178
Revolving Loans	1,189
Total Loans	589,324
Current | Small business scored
Financing Receivable, Credit Quality Indicator [Line Items]
2020	49,408
2019	176,863
2018	161,438
2017	115,884
2016	60,448
Prior	85,896
Revolving Loans	151,905
Total Loans	801,842
Current | One- to four- family residential
Financing Receivable, Credit Quality Indicator [Line Items]
2020	10,298
2019	119,074
2018	141,540
2017	156,046
2016	77,252
Prior	357,521
Revolving Loans	4,801
Total Loans	866,532
Current | Consumer—home equity revolving lines of credit
Financing Receivable, Credit Quality Indicator [Line Items]
2020	14,227
2019	2,053
2018	1,774
2017	2,137
2016	1,223
Prior	3,840
Revolving Loans	493,903
Total Loans	519,157
Current | Consumer—other
Financing Receivable, Credit Quality Indicator [Line Items]
2020	7,199
2019	22,156
2018	21,985
2017	18,571
2016	12,885
Prior	26,316
Revolving Loans	30,214
Total Loans	139,326
30-59 Days Past Due | Small balance CRE
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	380
2018	382
2017	0
2016	0
Prior	738
Revolving Loans	0
Total Loans	1,500
30-59 Days Past Due | Small business scored
Financing Receivable, Credit Quality Indicator [Line Items]
2020	31
2019	459
2018	215
2017	977
2016	68
Prior	325
Revolving Loans	466
Total Loans	2,541
30-59 Days Past Due | One- to four- family residential
Financing Receivable, Credit Quality Indicator [Line Items]
2020	559
2019	4,107
2018	639
2017	1,615
2016	264
Prior	5,215
Revolving Loans	0
Total Loans	12,399
30-59 Days Past Due | Consumer—home equity revolving lines of credit
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	14
Revolving Loans	664
Total Loans	678
30-59 Days Past Due | Consumer—other
Financing Receivable, Credit Quality Indicator [Line Items]
2020	102
2019	21
2018	174
2017	78
2016	100
Prior	95
Revolving Loans	78
Total Loans	648
60-89 Days Past Due | Small balance CRE
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	396
Revolving Loans	0
Total Loans	396
60-89 Days Past Due | Small business scored
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	184
2018	150
2017	197
2016	55
Prior	0
Revolving Loans	5
Total Loans	591
60-89 Days Past Due | One- to four- family residential
Financing Receivable, Credit Quality Indicator [Line Items]
2020	21
2019	0
2018	0
2017	0
2016	0
Prior	82
Revolving Loans	0
Total Loans	103
60-89 Days Past Due | Consumer—home equity revolving lines of credit
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	267
Revolving Loans	0
Total Loans	267
60-89 Days Past Due | Consumer—other
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	30
2018	29
2017	17
2016	0
Prior	10
Revolving Loans	54
Total Loans	140
90 Days Past Due | Small balance CRE
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	340
2016	0
Prior	223
Revolving Loans	0
Total Loans	563
90 Days Past Due | Small business scored
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	243
2018	568
2017	715
2016	610
Prior	152
Revolving Loans	277
Total Loans	2,565
90 Days Past Due | One- to four- family residential
Financing Receivable, Credit Quality Indicator [Line Items]
2020	358
2019	0
2018	607
2017	45
2016	0
Prior	1,343
Revolving Loans	0
Total Loans	2,353
90 Days Past Due | Consumer—home equity revolving lines of credit
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	520
2016	297
Prior	158
Revolving Loans	541
Total Loans	1,516
90 Days Past Due | Consumer—other
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	49
Prior	0
Revolving Loans	0
Total Loans	$ 49

LOANS RECEIVABLE AND THE ALL_10

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Collateral Secured) (Details) $ in Thousands	Mar. 31, 2020USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	$ 28,562
Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	11,357
Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	1,215
Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	4,646
Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	11,344
Commercial real estate - owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	1,838
Commercial real estate - owner occupied | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	1,838
Commercial real estate - owner occupied | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Commercial real estate - owner occupied | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Commercial real estate - owner occupied | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Commercial real estate - investment properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	3,421
Commercial real estate - investment properties | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	3,421
Commercial real estate - investment properties | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Commercial real estate - investment properties | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Commercial real estate - investment properties | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Small balance CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	1,367
Small balance CRE | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	1,367
Small balance CRE | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Small balance CRE | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Small balance CRE | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Multifamily real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Multifamily real estate | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Multifamily real estate | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Multifamily real estate | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Multifamily real estate | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Commercial construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Commercial construction | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Commercial construction | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Commercial construction | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Commercial construction | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Multifamily construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Multifamily construction | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Multifamily construction | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Multifamily construction | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Multifamily construction | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
One- to four- family construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	964
One- to four- family construction | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	964
One- to four- family construction | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
One- to four- family construction | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
One- to four- family construction | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Residential Land and Land Development [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Residential Land and Land Development [Member] | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Residential Land and Land Development [Member] | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Residential Land and Land Development [Member] | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Residential Land and Land Development [Member] | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	20,007
Commercial business | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	2,851
Commercial business | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	1,215
Commercial business | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	4,597
Commercial business | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	11,344
Small business scored
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	97
Small business scored | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	48
Small business scored | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Small business scored | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	49
Small business scored | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Agricultural business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Agricultural business | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Agricultural business | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Agricultural business | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Agricultural business | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
One-to four-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	868
One-to four-family residential | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	868
One-to four-family residential | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
One-to four-family residential | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
One-to four-family residential | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Consumer Secured By One To Four Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Consumer Secured By One To Four Family [Member] | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Consumer Secured By One To Four Family [Member] | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Consumer Secured By One To Four Family [Member] | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Consumer Secured By One To Four Family [Member] | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Consumer | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Consumer | Inventories [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Consumer | Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	0
Consumer | Accounts Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateral Dependent Loans, Amortized Cost	$ 0

LOANS RECEIVABLE AND THE ALL_11

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Age Analysis of Company's Past Due Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019
Financing Receivable, Past Due [Line Items]
Past Due	$ 61,101	$ 35,562
Purchased Credit-Impaired		15,938	$ 13,330
Current	9,224,643	9,253,857
Total loans	9,285,744	9,305,357	8,692,657
Non-accrual with no Allowance	8,604
Loans 90 days or more past due and still accruing	40,284	2,097
Nonaccrual loans	3,378	37,501
Commerical real estate - owner-occupied [Member]
Financing Receivable, Past Due [Line Items]
Past Due	3,046	4,621
Purchased Credit-Impaired		8,578
Current	1,021,043	1,567,451
Total loans	1,024,089	1,580,650
Non-accrual with no Allowance	1,837
Loans 90 days or more past due and still accruing	2,243	89
Nonaccrual loans	0	4,069
Commercial real estate - investment properties
Financing Receivable, Past Due [Line Items]
Past Due	4,495	2,143
Purchased Credit-Impaired		6,345
Current	2,003,042	2,300,733
Total loans	2,007,537	2,309,221
Non-accrual with no Allowance	3,420
Loans 90 days or more past due and still accruing	3,863	0
Nonaccrual loans	24	1,883
Small balance CRE
Financing Receivable, Past Due [Line Items]
Past Due	2,459
Current	589,324
Total loans	591,783
Non-accrual with no Allowance	1,222
Loans 90 days or more past due and still accruing	2,406
Nonaccrual loans	0
Multifamily real estate
Financing Receivable, Past Due [Line Items]
Past Due	0	330
Purchased Credit-Impaired		7	128
Current	400,206	472,815
Total loans	400,206	473,152	387,142
Non-accrual with no Allowance	0
Loans 90 days or more past due and still accruing	0	0
Nonaccrual loans	0	85
Commercial construction
Financing Receivable, Past Due [Line Items]
Past Due	13,026	1,495
Purchased Credit-Impaired		0
Current	192,450	209,173
Total loans	205,476	210,668
Non-accrual with no Allowance	0
Loans 90 days or more past due and still accruing	98	0
Nonaccrual loans	1,407	98
Multifamily construction
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Purchased Credit-Impaired		0
Current	250,410	233,610
Total loans	250,410	233,610
Non-accrual with no Allowance	0
Loans 90 days or more past due and still accruing	0	0
Nonaccrual loans	0	0
One- to four- family construction
Financing Receivable, Past Due [Line Items]
Past Due	1,991	5,011
Purchased Credit-Impaired		0
Current	532,965	539,297
Total loans	534,956	544,308
Non-accrual with no Allowance	964
Loans 90 days or more past due and still accruing	1,295	332
Nonaccrual loans	0	1,467
Land and land development - residential [Member]
Financing Receivable, Past Due [Line Items]
Past Due	1,783	340
Purchased Credit-Impaired		0
Current	230,723	154,348
Total loans	232,506	154,688
Non-accrual with no Allowance	0
Loans 90 days or more past due and still accruing	0	0
Nonaccrual loans	0	340
Land and land development - commercial [Member]
Financing Receivable, Past Due [Line Items]
Past Due		0
Purchased Credit-Impaired		0
Current		26,290
Total loans		26,290
Loans 90 days or more past due and still accruing		0
Nonaccrual loans		0
Commercial business
Financing Receivable, Past Due [Line Items]
Past Due	6,894	7,338
Purchased Credit-Impaired		368	618
Current	1,350,923	1,686,118
Total loans	1,357,817	1,693,824	1,524,298
Non-accrual with no Allowance	198
Loans 90 days or more past due and still accruing	21,737	401
Nonaccrual loans	0	23,015
Small business scored
Financing Receivable, Past Due [Line Items]
Past Due	5,697
Current	801,842
Total loans	807,539
Non-accrual with no Allowance	98
Loans 90 days or more past due and still accruing	3,290
Nonaccrual loans	77
Agricultural business, including secured by farmland
Financing Receivable, Past Due [Line Items]
Past Due	3,557	2,685
Purchased Credit-Impaired		393	431
Current	326,700	367,471
Total loans	330,257	370,549	373,322
Non-accrual with no Allowance	0
Loans 90 days or more past due and still accruing	495	0
Nonaccrual loans	461	661
One- to four-family residential [Member]
Financing Receivable, Past Due [Line Items]
Past Due	14,855	7,741
Purchased Credit-Impaired		74	95
Current	866,532	937,807
Total loans	881,387	945,622	$ 967,581
Non-accrual with no Allowance	865
Loans 90 days or more past due and still accruing	3,045	877
Nonaccrual loans	1,089	3,410
Consumer secured by one- to four-family [Member]
Financing Receivable, Past Due [Line Items]
Past Due	2,461	3,347
Purchased Credit-Impaired		110
Current	519,157	547,503
Total loans	521,618	550,960
Non-accrual with no Allowance	0
Loans 90 days or more past due and still accruing	1,713	398
Nonaccrual loans	320	2,314
Consumer
Financing Receivable, Past Due [Line Items]
Past Due	837	511
Purchased Credit-Impaired		63
Current	139,326	211,241
Total loans	140,163	211,815
Non-accrual with no Allowance	0
Loans 90 days or more past due and still accruing	99	0
Nonaccrual loans	0	159
Consumer Loan in Effect Before Topic 326 [Member]
Financing Receivable, Past Due [Line Items]
Total loans		211,815
30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	39,342	14,950
30 to 59 Days Past Due [Member] | Commerical real estate - owner-occupied [Member]
Financing Receivable, Past Due [Line Items]
Past Due	1,209	486
30 to 59 Days Past Due [Member] | Commercial real estate - investment properties
Financing Receivable, Past Due [Line Items]
Past Due	607	0
30 to 59 Days Past Due [Member] | Small balance CRE
Financing Receivable, Past Due [Line Items]
Past Due	1,500
30 to 59 Days Past Due [Member] | Multifamily real estate
Financing Receivable, Past Due [Line Items]
Past Due	0	239
30 to 59 Days Past Due [Member] | Commercial construction
Financing Receivable, Past Due [Line Items]
Past Due	11,521	1,397
30 to 59 Days Past Due [Member] | Multifamily construction
Financing Receivable, Past Due [Line Items]
Past Due	0	0
30 to 59 Days Past Due [Member] | One- to four- family construction
Financing Receivable, Past Due [Line Items]
Past Due	1,027	3,212
30 to 59 Days Past Due [Member] | Land and land development - residential [Member]
Financing Receivable, Past Due [Line Items]
Past Due	1,783	0
30 to 59 Days Past Due [Member] | Land and land development - commercial [Member]
Financing Receivable, Past Due [Line Items]
Past Due		0
30 to 59 Days Past Due [Member] | Commercial business
Financing Receivable, Past Due [Line Items]
Past Due	4,849	2,343
30 to 59 Days Past Due [Member] | Small business scored
Financing Receivable, Past Due [Line Items]
Past Due	2,541
30 to 59 Days Past Due [Member] | Agricultural business, including secured by farmland
Financing Receivable, Past Due [Line Items]
Past Due	580	1,972
30 to 59 Days Past Due [Member] | One- to four-family residential [Member]
Financing Receivable, Past Due [Line Items]
Past Due	12,399	3,777
30 to 59 Days Past Due [Member] | Consumer secured by one- to four-family [Member]
Financing Receivable, Past Due [Line Items]
Past Due	678	1,174
30 to 59 Days Past Due [Member] | Consumer
Financing Receivable, Past Due [Line Items]
Past Due	648	350
60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	4,117	4,885
60 to 89 Days Past Due [Member] | Commerical real estate - owner-occupied [Member]
Financing Receivable, Past Due [Line Items]
Past Due	0	1,246
60 to 89 Days Past Due [Member] | Commercial real estate - investment properties
Financing Receivable, Past Due [Line Items]
Past Due	0	260
60 to 89 Days Past Due [Member] | Small balance CRE
Financing Receivable, Past Due [Line Items]
Past Due	396
60 to 89 Days Past Due [Member] | Multifamily real estate
Financing Receivable, Past Due [Line Items]
Past Due	0	91
60 to 89 Days Past Due [Member] | Commercial construction
Financing Receivable, Past Due [Line Items]
Past Due	0	0
60 to 89 Days Past Due [Member] | Multifamily construction
Financing Receivable, Past Due [Line Items]
Past Due	0	0
60 to 89 Days Past Due [Member] | One- to four- family construction
Financing Receivable, Past Due [Line Items]
Past Due	0	0
60 to 89 Days Past Due [Member] | Land and land development - residential [Member]
Financing Receivable, Past Due [Line Items]
Past Due	0	0
60 to 89 Days Past Due [Member] | Land and land development - commercial [Member]
Financing Receivable, Past Due [Line Items]
Past Due		0
60 to 89 Days Past Due [Member] | Commercial business
Financing Receivable, Past Due [Line Items]
Past Due	537	1,583
60 to 89 Days Past Due [Member] | Small business scored
Financing Receivable, Past Due [Line Items]
Past Due	591
60 to 89 Days Past Due [Member] | Agricultural business, including secured by farmland
Financing Receivable, Past Due [Line Items]
Past Due	2,083	129
60 to 89 Days Past Due [Member] | One- to four-family residential [Member]
Financing Receivable, Past Due [Line Items]
Past Due	103	1,088
60 to 89 Days Past Due [Member] | Consumer secured by one- to four-family [Member]
Financing Receivable, Past Due [Line Items]
Past Due	267	327
60 to 89 Days Past Due [Member] | Consumer
Financing Receivable, Past Due [Line Items]
Past Due	140	161
90 Days or More Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	17,642	15,727
90 Days or More Past Due [Member] | Commerical real estate - owner-occupied [Member]
Financing Receivable, Past Due [Line Items]
Past Due	1,837	2,889
90 Days or More Past Due [Member] | Commercial real estate - investment properties
Financing Receivable, Past Due [Line Items]
Past Due	3,888	1,883
90 Days or More Past Due [Member] | Small balance CRE
Financing Receivable, Past Due [Line Items]
Past Due	563
90 Days or More Past Due [Member] | Multifamily real estate
Financing Receivable, Past Due [Line Items]
Past Due	0	0
90 Days or More Past Due [Member] | Commercial construction
Financing Receivable, Past Due [Line Items]
Past Due	1,505	98
90 Days or More Past Due [Member] | Multifamily construction
Financing Receivable, Past Due [Line Items]
Past Due	0	0
90 Days or More Past Due [Member] | One- to four- family construction
Financing Receivable, Past Due [Line Items]
Past Due	964	1,799
90 Days or More Past Due [Member] | Land and land development - residential [Member]
Financing Receivable, Past Due [Line Items]
Past Due	0	340
90 Days or More Past Due [Member] | Land and land development - commercial [Member]
Financing Receivable, Past Due [Line Items]
Past Due		0
90 Days or More Past Due [Member] | Commercial business
Financing Receivable, Past Due [Line Items]
Past Due	1,508	3,412
90 Days or More Past Due [Member] | Small business scored
Financing Receivable, Past Due [Line Items]
Past Due	2,565
90 Days or More Past Due [Member] | Agricultural business, including secured by farmland
Financing Receivable, Past Due [Line Items]
Past Due	894	584
90 Days or More Past Due [Member] | One- to four-family residential [Member]
Financing Receivable, Past Due [Line Items]
Past Due	2,353	2,876
90 Days or More Past Due [Member] | Consumer secured by one- to four-family [Member]
Financing Receivable, Past Due [Line Items]
Past Due	1,516	1,846
90 Days or More Past Due [Member] | Consumer
Financing Receivable, Past Due [Line Items]
Past Due	$ 49	$ 0

LOANS RECEIVABLE AND THE ALL_12

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Allowance for Loan Losses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Mar. 31, 2020	Jan. 01, 2020	Dec. 31, 2019	Mar. 31, 2019
Financing Receivable, Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, Beginning balance	$ 100,559	$ 96,485
Provision for credit losses	21,713	2,000
Recoveries	2,366	219
Charge-offs	(1,962)	(1,396)
Allowance for loan losses, Ending balance	130,488	97,308
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Allowance individually evaluated for impairment						$ 385
Allowance collectively evaluated for impairment						96,842
Allowance for purchased credit-impaired loans						81
Total allowance for loan losses	130,488	97,308	$ 130,488		$ 100,559	97,308
Loans individually evaluated for impairment						21,727
Loans collectively evaluated for impairment						8,657,600
Purchased Credit-Impaired					15,938	13,330
Total loans			9,285,744		9,305,357	8,692,657
Commercial real estate
Financing Receivable, Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, Beginning balance	30,591	27,132
Provision for credit losses	1,545	369
Recoveries	167	21
Charge-offs	(100)	(431)
Allowance for loan losses, Ending balance	29,339	27,091
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Allowance individually evaluated for impairment						240
Allowance collectively evaluated for impairment						26,851
Allowance for purchased credit-impaired loans						0
Total allowance for loan losses	29,339	27,091	29,339		30,591	27,091
Loans individually evaluated for impairment						9,806
Loans collectively evaluated for impairment						3,545,162
Purchased Credit-Impaired						11,805
Total loans						3,566,773
Multifamily real estate
Financing Receivable, Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, Beginning balance	4,754	3,818
Provision for credit losses	321	202
Recoveries	0	0
Charge-offs	(66)	0
Allowance for loan losses, Ending balance	2,805	4,020
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Allowance individually evaluated for impairment						0
Allowance collectively evaluated for impairment						4,020
Allowance for purchased credit-impaired loans						0
Total allowance for loan losses	2,805	4,020	2,805		4,754	4,020
Loans individually evaluated for impairment						0
Loans collectively evaluated for impairment						387,014
Purchased Credit-Impaired					7	128
Total loans			400,206		473,152	387,142
Construction and land
Financing Receivable, Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, Beginning balance	22,994	24,442
Provision for credit losses	8,708	(751)
Recoveries	0	22
Charge-offs	0	0
Allowance for loan losses, Ending balance	34,217	23,713
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Allowance individually evaluated for impairment						0
Allowance collectively evaluated for impairment						23,713
Allowance for purchased credit-impaired loans						0
Total allowance for loan losses	34,217	23,713	34,217		22,994	23,713
Loans individually evaluated for impairment						2,988
Loans collectively evaluated for impairment						1,093,159
Purchased Credit-Impaired						0
Total loans						1,096,147
Commercial business
Financing Receivable, Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, Beginning balance	23,370	19,438
Provision for credit losses	6,447	(209)
Recoveries	205	23
Charge-offs	(1,384)	(590)
Allowance for loan losses, Ending balance	31,648	18,662
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Allowance individually evaluated for impairment						12
Allowance collectively evaluated for impairment						18,627
Allowance for purchased credit-impaired loans						23
Total allowance for loan losses	31,648	18,662	31,648		23,370	18,662
Loans individually evaluated for impairment						514
Loans collectively evaluated for impairment						1,523,166
Purchased Credit-Impaired					368	618
Total loans			1,357,817		1,693,824	1,524,298
Agricultural business
Financing Receivable, Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, Beginning balance	4,120	3,778
Provision for credit losses	(1,006)	(178)
Recoveries	1,750	0
Charge-offs	0	(4)
Allowance for loan losses, Ending balance	4,513	3,596
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Allowance individually evaluated for impairment						66
Allowance collectively evaluated for impairment						3,472
Allowance for purchased credit-impaired loans						58
Total allowance for loan losses	4,513	3,596	4,513		4,120	3,596
Loans individually evaluated for impairment						4,110
Loans collectively evaluated for impairment						368,781
Purchased Credit-Impaired					393	431
Total loans			330,257		370,549	373,322
One-to four-family residential
Financing Receivable, Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, Beginning balance	4,136	4,714
Provision for credit losses	539	(46)
Recoveries	148	43
Charge-offs	(64)	0
Allowance for loan losses, Ending balance	11,884	4,711
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Allowance individually evaluated for impairment						59
Allowance collectively evaluated for impairment						4,652
Allowance for purchased credit-impaired loans						0
Total allowance for loan losses	11,884	4,711	11,884		4,136	4,711
Loans individually evaluated for impairment						4,116
Loans collectively evaluated for impairment						963,370
Purchased Credit-Impaired					74	95
Total loans			881,387		945,622	967,581
Consumer [Member]
Financing Receivable, Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, Beginning balance	8,202	7,972
Provision for credit losses	5,159	269
Recoveries	96	110
Charge-offs	(348)	(371)
Allowance for loan losses, Ending balance	16,082	7,980
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Allowance individually evaluated for impairment						8
Allowance collectively evaluated for impairment						7,972
Allowance for purchased credit-impaired loans						0
Total allowance for loan losses	16,082	7,980	16,082		8,202	7,980
Loans individually evaluated for impairment						193
Loans collectively evaluated for impairment						776,948
Purchased Credit-Impaired						253
Total loans						777,394
Unallocated
Financing Receivable, Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, Beginning balance	2,392	5,191
Provision for credit losses	0	2,344
Recoveries	0	0
Charge-offs	0	0
Allowance for loan losses, Ending balance	0	7,535
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Allowance individually evaluated for impairment						0
Allowance collectively evaluated for impairment						7,535
Allowance for purchased credit-impaired loans						0
Total allowance for loan losses	$ 0	$ 7,535	$ 0		$ 2,392	7,535
Loans individually evaluated for impairment						0
Loans collectively evaluated for impairment						0
Purchased Credit-Impaired						0
Total loans						$ 0
Impact of Topic 326 Adoption
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Total allowance for loan losses				$ 7,812
Impact of Topic 326 Adoption | Commercial real estate
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Total allowance for loan losses				(2,864)
Impact of Topic 326 Adoption | Multifamily real estate
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Total allowance for loan losses				(2,204)
Impact of Topic 326 Adoption | Construction and land
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Total allowance for loan losses				2,515
Impact of Topic 326 Adoption | Commercial business
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Total allowance for loan losses				3,010
Impact of Topic 326 Adoption | Agricultural business
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Total allowance for loan losses				(351)
Impact of Topic 326 Adoption | One-to four-family residential
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Total allowance for loan losses				7,125
Impact of Topic 326 Adoption | Consumer [Member]
Financing Receivable, Allowance for Loan Losses, Additional Information [Abstract]
Total allowance for loan losses				$ 2,973

GOODWILL, OTHER INTANGIBLE AS_3

GOODWILL, OTHER INTANGIBLE ASSETS AND MORTGAGE SERVICING RIGHTS (Finite-Lived Intangible Assets) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
Goodwill [Roll Forward]
Goodwill, beginning of period	$ 373,121	$ 339,154
Goodwill, Acquired During Period		33,967
Goodwill, end of period	373,121	373,121
Finite-lived Intangible Assets [Roll Forward]
Goodwill and other intangibles, net, beginning of period	402,279	372,078
Additions through acquisitions		38,577
Amortization	(2,001)	(8,151)
LHI, Other Increase (Decrease)		(225)
Goodwill and other intangibles, net, end of period	400,278	402,279
Finite-Lived Intangible Assets, adjustments, total		(225)
Core Deposit Intangibles [Member]
Finite-lived Intangible Assets [Roll Forward]
Finite lived assets Balance, beginning of period	29,158	32,699
Intangible assets, additions through acquisitions		4,610
Amortization	(2,001)	(8,151)
Finite lived assets Balance, end of period	27,157	29,158
Leasehold Improvements [Member]
Finite-lived Intangible Assets [Roll Forward]
Finite lived assets Balance, beginning of period	0	225
Intangible assets, additions through acquisitions		0
Amortization	0	0
Finite lived assets Balance, end of period	$ 0	$ 0

REAL ESTATE OWNED, NET (REO Rol

REAL ESTATE OWNED, NET (REO Rollforward) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Real Estate Owned [Roll Forward]
Balance, beginning of the period	$ 814	$ 2,611
Additions from loan foreclosures	1,588	0
Balance, end of the period	$ 2,402	$ 2,611

GOODWILL, OTHER INTANGIBLE AS_4

GOODWILL, OTHER INTANGIBLE ASSETS AND MORTGAGE SERVICING RIGHTS (Estimated Annual Amortization Expense) (Details) - Core Deposit Intangibles [Member] - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
Remainder of 2017	$ 5,730
2018	6,571
2019	5,317
2020	3,814
2021	2,659
Thereafter	3,066
Finite lived assets, net	$ 27,157	$ 29,158	$ 32,699

REAL ESTATE OWNED, NET REAL EST

REAL ESTATE OWNED, NET REAL ESTATE OWNED, NET (Textual) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Real Estate Owned [Line Items]
Real Estate Owned	$ 2,402	$ 814	$ 2,611	$ 2,611
Mortgage Loans in Process of Foreclosure, Amount	313	1,500
One- to four-family residential [Member]
Real Estate Owned [Line Items]
Real Estate Owned	$ 727	$ 48

GOODWILL, OTHER INTANGIBLE AS_5

GOODWILL, OTHER INTANGIBLE ASSETS AND MORTGAGE SERVICING RIGHTS (Mortgage Servicing Rights) (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Servicing Asset at Amortized Value, Balance [Roll Forward]
Servicing Asset at Amortized Cost, Additions, Acquisitions		$ 63	$ 47
Servicing Contracts [Member]
Morgage Servicing Rights at Amortized Value [Line Items]
Loans Serviced For Others		2,530,000		$ 2,480,000
Custodial Accounts		3,400		$ 12,000
Servicing Asset at Amortized Value, Balance [Roll Forward]
Balance, net of valuation allowance, beginning of the period		14,148	14,638
Additions—amounts capitalized		1,420	672
Amortization	[1]	(1,354)	(940)
Balance, net of valuation allowance, end of the period	[2]	14,277	$ 14,417
Valuation allowance, end of period		$ 0
[1]	Amortization of mortgage servicing rights is recorded as a reduction of loan servicing income within mortgage banking operations and any unamortized balance is fully amortized if the loan repays in full.
[2]	There was no valuation allowance as of March 31, 2020 and 2019 .

DEPOSITS (Deposit Liabilities)

DEPOSITS (Deposit Liabilities) (Details) - USD ($)		Mar. 31, 2020	Dec. 31, 2019
Deposits:
Non-interest-bearing accounts		$ 4,107,262,000	$ 3,945,000,000
Interest-bearing checking		1,331,860,000	1,280,003,000
Regular savings accounts		1,997,265,000	1,934,041,000
Money market accounts		1,846,844,000	1,769,194,000
Total interest-bearing transaction and saving accounts		5,175,969,000	4,983,238,000
Certificates of deposit less than or equal to $250,000		972,667,000	936,940,000
Certificates of deposit greater than $250,000		193,639,000	183,463,000
Total certificates of deposit	[1]	1,166,306,000	1,120,403,000
Total deposits		10,449,537,000	10,048,641,000
Included in total deposits:
Public fund transaction and savings accounts		246,312,000	244,418,000
Public fund interest-bearing certificates		48,232,000	35,184,000
Total public deposits		294,544,000	279,602,000
Total brokered deposits		250,977,000	202,884,000
CD acquisition premium		$ 206,000	$ 269,000
[1]	Certificates of deposit include $206,000 and $269,000 of acquisition premiums at March 31, 2020 and December 31, 2019 , respectively.

DEPOSITS DEPOSITS (Maturities a

DEPOSITS DEPOSITS (Maturities and Weighted Average Interest Rates of Certificates of Deposit) (Details) - USD ($) $ in Thousands		Mar. 31, 2020	Dec. 31, 2019
Maturities of Time Deposits [Abstract]
Maturing in one year or less		$ 887,586
Maturing after one year through two years		175,730
Maturing after two years through three years		76,073
Maturing after three years through four years		11,742
Maturing after four years through five years		12,652
Maturing after five years		2,523
Total certificates of deposit	[1]	$ 1,166,306	$ 1,120,403
Weighted Average Rate [Abstract]
Maturing in one year or less		1.24%
Maturing after one year through two years		1.76%
Maturing after two years through three years		1.81%
Maturing after three years through four years		1.97%
Maturing after four years through five years		1.97%
Maturing after five years		1.14%
Total certificates of deposit		1.37%
[1]	Certificates of deposit include $206,000 and $269,000 of acquisition premiums at March 31, 2020 and December 31, 2019 , respectively.

DEPOSITS DEPOSITS (Textual) (De

DEPOSITS DEPOSITS (Textual) (Details) - USD ($) $ in Millions	Mar. 31, 2020	Dec. 31, 2019
Banking and Thrift [Abstract]
Time Deposits, at or Above FDIC Insurance Limit	$ 198.6	$ 189

FAIR VALUE OF FINANCIAL INSTR_3

FAIR VALUE OF FINANCIAL INSTRUMENTS (Fair Value By Balance Sheet Location) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Assets:
Securities—trading	$ 21,040	$ 25,636
Securities—available-for-sale	1,608,224	1,551,557
Securities—held-to-maturity	449,237	237,805
Liabilities:
FHLB advances at fair value	247,000	450,000
Carrying Value
Assets:
Cash and cash equivalents	295,001	307,735
Securities—trading	21,040	25,636
Securities—available-for-sale	1,608,224	1,551,557
Loans receivable held for sale	182,428	210,447
Loans receivable	9,285,744	9,305,357
FHLB stock	20,247	28,342
Bank-owned life insurance	193,140	192,088
Mortgage servicing rights	14,277	14,148
Liabilities:
Demand, interest checking and money market accounts	7,285,966	6,994,197
Regular savings	1,997,265	1,934,041
Certificates of deposit	1,166,306	1,120,403
FHLB advances at fair value	247,000	450,000
Other borrowings	128,764	118,474
Junior subordinated debentures at fair value	99,795	119,304
Estimated Fair Value
Assets:
Cash and cash equivalents	295,001	307,735
Securities—trading	21,040	25,636
Securities—available-for-sale	1,608,224	1,551,557
Loans receivable held for sale	182,766	210,670
Loans receivable	9,272,174	9,304,340
FHLB stock	20,247	28,342
Bank-owned life insurance	193,140	192,088
Mortgage servicing rights	20,931	22,611
Liabilities:
Demand, interest checking and money market accounts	7,285,966	6,994,197
Regular savings	1,997,265	1,934,041
Certificates of deposit	1,173,126	1,117,921
FHLB advances at fair value	251,978	452,720
Other borrowings	128,764	118,474
Junior subordinated debentures at fair value	99,795	119,304
Interest rate swaps [Member] | Carrying Value
Assets:
Derivatives:	42,687	15,202
Liabilities:
Derivatives:	23,280	10,966
Interest rate swaps [Member] | Estimated Fair Value
Assets:
Derivatives:	42,687	15,202
Liabilities:
Derivatives:	23,280	10,966
Interest Rate Forward Sales Commitments [Member] | Carrying Value
Assets:
Derivatives:	3,325	1,108
Liabilities:
Derivatives:	4,448	674
Interest Rate Forward Sales Commitments [Member] | Estimated Fair Value
Assets:
Derivatives:	3,325	1,108
Liabilities:
Derivatives:	4,448	674
Fair Value, Inputs, Level 2 [Member] | Carrying Value
Assets:
Securities—held-to-maturity	435,119	233,241
Fair Value, Inputs, Level 2 [Member] | Estimated Fair Value
Assets:
Securities—held-to-maturity	446,412	234,952
Fair Value, Inputs, Level 3 [Member] | Carrying Value
Assets:
Securities—held-to-maturity	2,825	2,853
Fair Value, Inputs, Level 3 [Member] | Estimated Fair Value
Assets:
Securities—held-to-maturity	$ 2,825	$ 2,853

FAIR VALUE OF FINANCIAL INSTR_4

FAIR VALUE OF FINANCIAL INSTRUMENTS (Assets and Liabilities Measured on a Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—trading	$ 21,040	$ 25,636
Securities—available-for-sale	1,608,224	1,551,557
Advances from FHLB	247,000	450,000
Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	1,608,224	1,551,557
Total assets	1,844,515	1,792,900
Junior subordinated debentures net of unamortized deferred issuance costs at fair value	99,795	119,304
Total liabilities	127,523	130,944
Recurring [Member] | Interest rate lock and forward sale commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	3,325	15,202
Derivative liabilities	4,448	10,966
Recurring [Member] | Interest rate swaps [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	42,687	1,108
Derivative liabilities	23,280	674
Recurring [Member] | U.S. Government and agency obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	81,763	89,598
Recurring [Member] | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	181,039	107,157
Recurring [Member] | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	30,986	4,365
Recurring [Member] | TPS and TRUP CDOs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—trading	21,040	25,636
Recurring [Member] | Mortgage-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	1,306,799	1,342,311
Recurring [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	7,637	8,126
Recurring [Member] | Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans Held-for-sale, Fair Value Disclosure	169,239	199,397
Recurring [Member] | Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity Securities, FV-NI		0
Recurring [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Total assets	0	0
Junior subordinated debentures net of unamortized deferred issuance costs at fair value	0	0
Total liabilities	0	0
Recurring [Member] | Level 1 [Member] | Interest rate lock and forward sale commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring [Member] | Level 1 [Member] | Interest rate swaps [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring [Member] | Level 1 [Member] | U.S. Government and agency obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Recurring [Member] | Level 1 [Member] | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Recurring [Member] | Level 1 [Member] | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Recurring [Member] | Level 1 [Member] | TPS and TRUP CDOs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—trading	0	0
Recurring [Member] | Level 1 [Member] | Mortgage-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Recurring [Member] | Level 1 [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Recurring [Member] | Level 1 [Member] | Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans Held-for-sale, Fair Value Disclosure	0	0
Recurring [Member] | Level 1 [Member] | Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity Securities, FV-NI		0
Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	1,608,224	1,551,557
Total assets	1,820,958	1,766,473
Junior subordinated debentures net of unamortized deferred issuance costs at fair value	0	0
Total liabilities	27,728	11,640
Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest rate lock and forward sale commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	808	15,202
Derivative liabilities	4,448	10,966
Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest rate swaps [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	42,687	317
Derivative liabilities	23,280	674
Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | U.S. Government and agency obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	81,763	89,598
Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	181,039	107,157
Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	30,986	4,365
Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | TPS and TRUP CDOs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—trading	0	0
Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	1,306,799	1,342,311
Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	7,637	8,126
Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans Held-for-sale, Fair Value Disclosure	169,239	199,397
Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity Securities, FV-NI		0
Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Total assets	23,557	26,427
Junior subordinated debentures net of unamortized deferred issuance costs at fair value	99,795	119,304
Total liabilities	99,795	119,304
Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Interest rate lock and forward sale commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	2,517	0
Derivative liabilities	0	0
Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Interest rate swaps [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	791
Derivative liabilities	0	0
Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | U.S. Government and agency obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | TPS and TRUP CDOs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—trading	21,040	25,636
Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities—available-for-sale	0	0
Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans Held-for-sale, Fair Value Disclosure	$ 0	0
Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity Securities, FV-NI		$ 0

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS (Valuation Technique) (Details) - Fair Value, Inputs, Level 3 [Member]	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Junior Subordinated Debt [Member] | Discounted cash flows [Member]
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate, Description of Variable Rate Basis	three-month LIBOR
Fair Value Inputs, Discount Rate, Basis Spread on Variable Rate Basis	4.00%
Corporate Bonds (TPS securities) [Member] | Weighted Average [Member] | Discounted cash flows [Member]
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Fair Value Input, Discount Rate	6.70%		5.91%
Impaired Loans [Member] | Minimum [Member] | discount to appraised value [Member]
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
fair value inputs, discount to appraised value		0.00%
Impaired Loans [Member] | Maximum [Member] | discount to appraised value [Member]
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
fair value inputs, discount to appraised value		20.00%
Real Estate Owned [Member] | Weighted Average [Member] | discount to appraised value [Member]
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
fair value inputs, discount to appraised value	52.03%		58.50%
Interest Rate Lock Commitments [Member] | Weighted Average [Member] | Valuation, Pricing Model [Member]
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Fair Value Input, Pull-Through Rate	84.19%
Servicing Contracts [Member] | Weighted Average [Member] | Discounted cash flows [Member]
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Fair Value Input, Pull-Through Rate			89.61%

FAIR VALUE OF FINANCIAL INSTR_6

FAIR VALUE OF FINANCIAL INSTRUMENTS (Unobservable Inputs Reconciliation) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Junior Subordinated Debt [Member]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 119,304	$ 114,091
Liabilities (gains) losses	(19,509)	(174)
Ending balance	99,795	113,917
TPS Securities [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	25,636	25,896
Assets gains (losses), including OTTI	(4,596)	(58)
Ending balance	$ 21,040	$ 25,838

FAIR VALUE OF FINANCIAL INSTR_7

FAIR VALUE OF FINANCIAL INSTRUMENTS (Assets Measured on Nonrecurring Basis) (Details) - Nonrecurring [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ (19,954)		$ (14,853)
REO	2,402		814
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0		0
REO	0		0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0		0
REO	0		0
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	(19,954)		(14,853)
REO			$ 814
Gains (losses) resulting from nonrecurring fair value adjustments	0	$ (300)
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Gains (losses) resulting from nonrecurring fair value adjustments	0	(300)
Real Estate [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Gains (losses) resulting from nonrecurring fair value adjustments	$ 0	$ 0

INCOME TAXES AND DEFERRED TAX_3

INCOME TAXES AND DEFERRED TAXES INCOME TAXES AND DEFERRED TAXES (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Tax credit investments	$ 33,811		$ 29,620
Unfunded commitments—tax credit investments	24,409		$ 20,235
Tax credits and other tax benefits recognized	1,007	$ 494
Tax credit amortization expense included in provision for income taxes	$ 809	$ 405

CALCULATION OF WEIGHTED AVERA_3

CALCULATION OF WEIGHTED AVERAGE SHARES OUTSTANDING FOR EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019
Earnings Per Share [Abstract]
Net income	$ 16,882	$ 33,655	$ 39,577	$ 39,700	$ 33,346
Basic weighted average shares outstanding	35,463,541				35,050,376
Plus unvested restricted stock	176,922				121,680
Diluted weighted shares outstanding	35,640,463				35,172,056
Earnings per common share
Basic	$ 0.48				$ 0.95
Diluted	$ 0.47				$ 0.95

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS (Details) - USD ($) $ in Millions	3 Months Ended		23 Months Ended	62 Months Ended	71 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Mar. 31, 2020	Jun. 30, 2019	Mar. 31, 2020	Apr. 24, 2018	Apr. 22, 2014
Restricted Stock Shares [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Expense	$ 1.9	$ 1.2
Compensation Cost Not yet Recognized	$ 20.5		$ 20.5		$ 20.5
Compensation Cost Not yet Recognized, Period for Recognition	36 months
2014 Omnibus Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Shares Authorized							900,000
2014 Omnibus Incentive Plan [Member] | Restricted Stock Shares [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock granted					295,318
Restricted stock grants, shares vested					265,381
2014 Omnibus Incentive Plan [Member] | Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock granted					398,986
Restricted stock grants, shares vested				134,848
2018 Omnibus Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Shares Authorized						900,000
2018 Omnibus Incentive Plan [Member] | Restricted Stock Shares [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock granted			0

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Commitments Without Recorded Liability) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Reserve for Unfunded Loan Commitments	$ 11,500,000		$ 2,700,000
Mortgage loan applications, day interest rate is locked	45 days
Minimum [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage loan applications, day interest rate is locked	30 days
Maximum [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage loan applications, day interest rate is locked	60 days
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract or Notional Amount	$ 2,975,390,000		3,051,681,000
Financial Standby Letter of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract or Notional Amount	15,619,000		14,298,000
Loan Origination Commitments [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract or Notional Amount	75,180,000		39,676,000
Risk Participation Agreement [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract or Notional Amount	41,004,000		41,022,000
Loans Held for Sale Origination Commitments [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract or Notional Amount	191,119,000		66,196,000
Commitments to Sell Loans Secured by one to four Residential Properties [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract or Notional Amount	81,429,000		70,895,000
Counterparty default losses on forward contracts	0	$ 0
Commitments to Sell Mortgage Backed Securities [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract or Notional Amount	229,000,000		239,320,000
Counterparty default losses on forward contracts	$ 0	$ 0
Amount funded out of a total commitment to invest [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Other Commitment			467,000
Amount unfunded out of a total commitment to invest [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Other Commitment			$ 9,500,000

DERIVATIVES AND HEDGING (Deriva

DERIVATIVES AND HEDGING (Derivatives Designated as Hedging, by Balance Sheet Location) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Derivatives, Fair Value [Line Items]
Asset Derivatives, Fair Value	$ 42,687	$ 15,242
Liability Derivatives, Fair Value	42,687	15,242
Interest rate swaps [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Fair Value	42,687	15,242
Liability Derivatives, Fair Value	42,687	15,242
Interest rate swaps [Member] | Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Notional/Contract Amount	2,253	3,567
Liability Derivatives, Notional/Contract Amount	2,253	3,567
Interest rate swaps [Member] | Designated as Hedging Instrument [Member] | Loans Receivable [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Fair Value	155	220
Interest rate swaps [Member] | Designated as Hedging Instrument [Member] | Other liabilities [Member]
Derivatives, Fair Value [Line Items]
Liability Derivatives, Fair Value	$ 155	$ 220

DERIVATIVES AND HEDGING (Deri_2

DERIVATIVES AND HEDGING (Derivatives Not Designated as Hedging, by Balance Sheet Location) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Derivatives, Fair Value [Line Items]
Asset Derivatives, Fair Value	$ 42,687	$ 15,242
Liability Derivatives, Fair Value	42,687	15,242
Interest rate swaps [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Fair Value	42,687	15,242
Liability Derivatives, Fair Value	42,687	15,242
Not Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Notional/Contract Amount	656,128	493,607
Liability Derivatives, Notional/Contract Amount	684,555	677,132
Not Designated as Hedging Instrument [Member] | Other assets [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Fair Value	45,857	16,090
Not Designated as Hedging Instrument [Member] | Other liabilities [Member]
Derivatives, Fair Value [Line Items]
Liability Derivatives, Fair Value	27,573	11,420
Not Designated as Hedging Instrument [Member] | Interest rate swaps [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Notional/Contract Amount	404,492	371,957
Liability Derivatives, Notional/Contract Amount	404,492	371,957
Not Designated as Hedging Instrument [Member] | Interest rate swaps [Member] | Other assets [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Fair Value	42,532	14,982
Not Designated as Hedging Instrument [Member] | Interest rate swaps [Member] | Loans Receivable [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Fair Value	959	347
Not Designated as Hedging Instrument [Member] | Interest rate swaps [Member] | Other liabilities [Member]
Derivatives, Fair Value [Line Items]
Liability Derivatives, Fair Value	23,125	10,746
Not Designated as Hedging Instrument [Member] | Mortgage loan commitments [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Notional/Contract Amount	170,207	50,755
Liability Derivatives, Notional/Contract Amount	51,063	65,855
Not Designated as Hedging Instrument [Member] | Mortgage loan commitments [Member] | Other assets [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Fair Value	2,517	791
Not Designated as Hedging Instrument [Member] | Mortgage loan commitments [Member] | Other liabilities [Member]
Derivatives, Fair Value [Line Items]
Liability Derivatives, Fair Value	2	190
Not Designated as Hedging Instrument [Member] | Forward Contracts [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Notional/Contract Amount	81,429	70,895
Liability Derivatives, Notional/Contract Amount	229,000	239,320
Not Designated as Hedging Instrument [Member] | Forward Contracts [Member] | Other assets [Member]
Derivatives, Fair Value [Line Items]
Asset Derivatives, Fair Value	808	317
Not Designated as Hedging Instrument [Member] | Forward Contracts [Member] | Other liabilities [Member]
Derivatives, Fair Value [Line Items]
Liability Derivatives, Fair Value	$ 4,446	$ 484

DERIVATIVES AND HEDGING (Gain (

DERIVATIVES AND HEDGING (Gain (Loss) On Derivatives Not Designated in Hedging Relationship) (Details) - Not Designated as Hedging Instrument [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized in income, net	$ (1,342)	$ 157
Mortgage loan commitments [Member] | Mortgage banking operations [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized in income, net	1,726	7
Forward sales contracts [Member] | Mortgage banking operations [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized in income, net	$ (3,068)	$ 150

DERIVATIVES AND HEDGING (Narrat

DERIVATIVES AND HEDGING (Narrative) (Details) - USD ($) $ in Millions	Mar. 31, 2020	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative net liability position	$ 42.7	$ 15.2
Collateral posted	$ 42.3	$ 28.1

DERIVATIVES AND HEDGING (Deri_3

DERIVATIVES AND HEDGING (Derivative Offsetting) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Offsetting Derivative Assets [Abstract]
Derivative Assets, Gross Amounts Recognized	$ 42,687	$ 15,242
Derivative Assets, Amounts offsett in the Statement of Financial Condition	0	(40)
Derivative Assets, Net Amounts in the Statement of Financial Condition	42,687	15,202
Derivative Assets, Netting Adjustment Per Applicable Master Netting Agreements	0	0
Derivative Assets, Fair Value of Financial Collateral in the Statement of Financial Condiation	0	0
Derivative Assets, Net Amount	42,687	15,202
Offsetting Derivative Liabilities [Abstract]
Derivative Liabilities, Gross Amounts Recognized	42,687	15,242
Derivative Liabilities, Amounts offset in the Statement of Financial Condition	(19,407)	(4,276)
Derivative Liabilities, Net Amounts of the Statement of Financial Condition	23,280	10,966
Derivative Liabilities, Net Adjustment Per Applicable Master Netting Agreements	0	0
Derivative Liabilities, Fair Value of Financial Collateral in the Statement of Financial Condition	(23,285)	(15,209)
Derivative Liabilities, Net Amount	(5)	(4,243)
Interest rate swaps [Member]
Offsetting Assets and Liabilities [Line Items]
Derivatives, variation margin adjustment	19,400	4,300
Offsetting Derivative Assets [Abstract]
Derivative Assets, Gross Amounts Recognized	42,687	15,242
Derivative Assets, Amounts offsett in the Statement of Financial Condition	0	(40)
Derivative Assets, Net Amounts in the Statement of Financial Condition	42,687	15,202
Derivative Assets, Netting Adjustment Per Applicable Master Netting Agreements	0	0
Derivative Assets, Fair Value of Financial Collateral in the Statement of Financial Condiation	0	0
Derivative Assets, Net Amount	42,687	15,202
Offsetting Derivative Liabilities [Abstract]
Derivative Liabilities, Gross Amounts Recognized	42,687	15,242
Derivative Liabilities, Amounts offset in the Statement of Financial Condition	(19,407)	(4,276)
Derivative Liabilities, Net Amounts of the Statement of Financial Condition	23,280	10,966
Derivative Liabilities, Net Adjustment Per Applicable Master Netting Agreements	0	0
Derivative Liabilities, Fair Value of Financial Collateral in the Statement of Financial Condition	(23,285)	(15,209)
Derivative Liabilities, Net Amount	$ (5)	$ (4,243)

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Disaggregation of Revenue [Line Items]
Debit And Credit Card Interchange Fees	$ 4,884	$ 7,931
Debit and Credit Card Expense	(1,932)	(2,449)
Merchant Services Expenses	(2,436)	(2,319)
Other Service Charges	1,453	2,013
Total Deposit Fees and Other Service Charges	9,803	12,618
Deposit Account [Member]
Disaggregation of Revenue [Line Items]
Mortgage banking operations	4,832	4,586
Credit Card, Merchant Discount [Member]
Disaggregation of Revenue [Line Items]
Mortgage banking operations	$ 3,002	$ 2,856

LEASES (Details)

LEASES (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)office	Mar. 31, 2019USD ($)	Dec. 31, 2019USD ($)
Leases [Abstract]
Number of buildings and offices under operating leases | office	105
Operating right-of-use lease assets	$ 59,620		$ 61,766
Operating lease liabilities	$ 63,757		$ 65,818
Weighted-average remaining lease term: Operating leases	6 years		6 years 2 months 12 days
Weighted-average discount rate: Operating leases	3.60%		3.70%
Operating lease cost	$ 4,164	$ 3,975
Short-term lease costs	21	121
Variable lease cost	811	561
Less sublease income	(254)	(237)
Total lease cost	4,742	4,420
Operating cash flows paid for operating lease amounts	4,100	3,900
Right-of-use assets in exchange for operating lease liabilities	1,600	$ 61,000
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
Remainder of 2020	12,180
2020	15,370
2021	11,764
2022	8,675
2023	6,756
Thereafter	16,489
Total minimum lease payments	71,234
Less: amount of lease payments representing interest	(7,477)
Operating lease liabilities	63,757		$ 65,818
Undiscounted lease payments under an operating lease that had not yet commenced	$ 0