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Loans (Tables) | 6 Months Ended
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Jun. 30, 2020
Notes Tables |
Schedule of non-accrual loans at amortized cost with no related allowance and interest income recognized for loans ninety days or more past due and still accruing |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At or for the six months ended June 30, 2020
​ | ​ | ​ | ​ | ​ | ​ | Non-Accrual | ​ | ​ | ​ | ​ | ​ | Loans ninety days
​ | ​ | ​ | Total Non-Accrual | ​ | ​ | with no related | ​ | ​ | Interest Income | ​ | ​ | or more past due
(In thousands) | ​ | ​ | Amortized Cost | ​ | ​ | Allowance | ​ | ​ | Recognized | ​ | ​ | and still accruing:
Multi-family residential | ​ | $ | 3,728 | ​ | $ | 3,728 | ​ | $ | — | ​ | $ | —
Commercial real estate | ​ | ​ | 2,700 | ​ | ​ | 2,700 | ​ | ​ | — | ​ | ​ | —
One-to-four family - mixed-use property | ​ | ​ | 2,548 | ​ | ​ | 2,548 | ​ | ​ | 2 | ​ | ​ | —
One-to-four family - residential | ​ | ​ | 5,869 | ​ | ​ | 5,869 | ​ | ​ | — | ​ | ​ | —
Small Business Administration | ​ | ​ | 1,347 | ​ | ​ | 1,347 | ​ | ​ | — | ​ | ​ | —
Taxi medallion(1) | ​ | ​ | 3,270 | ​ | ​ | 3,270 | ​ | ​ | 32 | ​ | ​ | —
Commercial business and other(1) | ​ | ​ | 2,629 | ​ | ​ | 1,678 | ​ | ​ | 20 | ​ | ​ | 150
Total | ​ | $ | 22,091 | ​ | $ | 21,140 | ​ | $ | 54 | ​ | $ | 150
(1)Included in the above analysis are non-accrual performing TDR taxi medallion loans totaling $1.5 million at June 30, 2020 and non-accrual performing TDR commercial business loans totaling $1.0 million at June 30, 2020.
Summary of interest foregone on non-accrual loans and loans classified as TDR | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the three months ended | ​ | For the six months ended
​ | ​ | June 30, | ​ | June 30,
​ |  | 2020 |  | 2019 |  | 2020 |  | 2019
​ | ​ | (In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms | ​ | $ | 430 | ​ | $ | 415 | ​ | $ | 805 | ​ | $ | 809
Less: Interest income included in the results of operations | ​ |  | 73 | ​ |  | 123 | ​ |  | 162 | ​ |  | 241
Total foregone interest | ​ | $ | 357 | ​ | $ | 292 | ​ | $ | 643 | ​ | $ | 568
Summary of aging of the amortized cost basis in past-due loans |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2020
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Greater | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 30 - 59 Days | ​ | 60 - 89 Days | ​ | than | ​ | Total Past | ​ | ​ | ​ | ​ | ​ | ​
(In thousands) |  | Past Due |  | Past Due |  | 90 Days |  | Due |  | Current |  | Total Loans
Multi-family residential | ​ | $ | 10,700 | ​ | $ | 1,292 | ​ | $ | 3,728 | ​ | $ | 15,720 | ​ | $ | 2,276,642 | ​ | $ | 2,292,362
Commercial real estate | ​ |  | 9,727 | ​ |  | 1,259 | ​ |  | 2,700 | ​ |  | 13,686 | ​ |  | 1,635,564 | ​ |  | 1,649,250
One-to-four family - mixed-use property | ​ |  | 6,851 | ​ |  | 1,252 | ​ |  | 2,548 | ​ |  | 10,651 | ​ |  | 585,053 | ​ |  | 595,704
One-to-four family - residential | ​ |  | 3,337 | ​ |  | 3,342 | ​ |  | 5,869 | ​ |  | 12,548 | ​ |  | 182,244 | ​ |  | 194,792
Construction loans | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 69,257 | ​ |  | 69,257
Small Business Administration | ​ |  | — | ​ |  | 266 | ​ |  | 1,347 | ​ |  | 1,613 | ​ |  | 103,855 | ​ |  | 105,468
Taxi medallion | ​ |  | — | ​ |  | — | ​ |  | 1,195 | ​ |  | 1,195 | ​ |  | 2,075 | ​ |  | 3,270
Commercial business and other | ​ |  | 982 | ​ |  | 4,784 | ​ |  | 1,828 | ​ |  | 7,594 | ​ |  | 1,065,578 | ​ |  | 1,073,172
Total | ​ | $ | 31,597 | ​ | $ | 12,195 | ​ | $ | 19,215 | ​ | $ | 63,007 | ​ | $ | 5,920,268 | ​ | $ | 5,983,275
​ ​ The following tables show by delinquency an analysis of our recorded investment in loans at the periods indicated by class of loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Greater | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 30 - 59 Days | ​ | 60 - 89 Days | ​ | than | ​ | Total Past | ​ | ​ | ​ | ​ | ​ | ​
(In thousands) |  | Past Due |  | Past Due |  | 90 Days |  | Due |  | Current |  | Total Loans
Multi-family residential | ​ | $ | 4,042 | ​ | $ | 1,563 | ​ | $ | 2,741 | ​ | $ | 8,346 | ​ | $ | 2,230,245 | ​ | $ | 2,238,591
Commercial real estate | ​ |  | — | ​ |  | 4,941 | ​ |  | 367 | ​ |  | 5,308 | ​ |  | 1,576,700 | ​ |  | 1,582,008
One-to-four family - mixed-use property | ​ |  | 1,117 | ​ |  | 496 | ​ |  | 274 | ​ |  | 1,887 | ​ |  | 590,584 | ​ |  | 592,471
One-to-four family - residential | ​ |  | 720 | ​ |  | 1,022 | ​ |  | 5,139 | ​ |  | 6,881 | ​ |  | 181,335 | ​ |  | 188,216
Co-operative apartments | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 8,663 | ​ |  | 8,663
Construction loans | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 67,754 | ​ |  | 67,754
Small Business Administration | ​ |  | — | ​ |  | — | ​ |  | 1,151 | ​ |  | 1,151 | ​ |  | 13,294 | ​ |  | 14,445
Taxi medallion | ​ |  | — | ​ |  | — | ​ |  | 1,065 | ​ |  | 1,065 | ​ |  | 2,244 | ​ |  | 3,309
Commercial business and other | ​ |  | 2,340 | ​ |  | 5 | ​ |  | 1,945 | ​ |  | 4,290 | ​ |  | 1,057,188 | ​ |  | 1,061,478
Total | ​ | $ | 8,219 | ​ | $ | 8,027 | ​ | $ | 12,682 | ​ | $ | 28,928 | ​ | $ | 5,728,007 | ​ | $ | 5,756,935
Summary of activity in the allowance for loan losses |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2020
​ |  | ​ | ​ |  | ​ | ​ |  | One-to-four |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | family - | ​ | One-to-four | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​
​ | ​ | Multi-family | ​ | Commercial | ​ | mixed-use | ​ | family - | ​ | Construction | ​ | Small Business | ​ | Taxi | ​ | business and | ​ | ​ | ​
(In thousands) | ​ | residential | ​ | real estate | ​ | property | ​ | residential | ​ | loans | ​ | Administration | ​ | medallion | ​ | other | ​ | Total
Allowance for credit losses: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Beginning balance | ​ | $ | 5,895 | ​ | $ | 6,791 | ​ | $ | 2,170 | ​ | $ | 892 | ​ | $ | 185 | ​ | $ | 1,528 | ​ | $ | — | ​ | $ | 10,637 | ​ | $ | 28,098
Charge-offs | ​ |  | — | ​ |  | — | ​ |  | (3) | ​ |  | — | ​ |  | — | ​ |  | (178) | ​ |  | — | ​ |  | (849) | ​ |  | (1,030)
Recoveries | ​ |  | 7 | ​ |  | — | ​ |  | — | ​ |  | 3 | ​ |  | — | ​ |  | 13 | ​ |  | — | ​ |  | — | ​ |  | 23
Provision (benefit) | ​ |  | 3,033 | ​ |  | 180 | ​ |  | 659 | ​ |  | 266 | ​ |  | (2) | ​ |  | 23 | ​ |  | — | ​ |  | 5,460 | ​ |  | 9,619
Ending balance | ​ | $ | 8,935 | ​ | $ | 6,971 | ​ | $ | 2,826 | ​ | $ | 1,161 | ​ | $ | 183 | ​ | $ | 1,386 | ​ | $ | — | ​ | $ | 15,248 | ​ | $ | 36,710
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2019
​ |  | ​ | ​ |  | ​ | ​ |  | One-to-four |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | family - | ​ | One-to-four | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​
​ | ​ | Multi-family | ​ | Commercial | ​ | mixed-use | ​ | family - | ​ | Construction | ​ | Small Business | ​ | Taxi | ​ | business and | ​ | ​ | ​
(In thousands) | ​ | residential | ​ | real estate | ​ | property | ​ | residential | ​ | loans | ​ | Administration | ​ | medallion | ​ | other | ​ | Total
Allowance for credit losses: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Beginning balance | ​ | $ | 5,493 | ​ | $ | 4,278 | ​ | $ | 1,791 | ​ | $ | 731 | ​ | $ | 351 | ​ | $ | 409 | ​ | $ | — | ​ | $ | 7,962 | ​ | $ | 21,015
Charge-offs | ​ |  | (1) | ​ |  | — | ​ |  | — | ​ |  | (113) | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | (1,000) | ​ |  | (1,114)
Recoveries | ​ |  | 11 | ​ |  | 7 | ​ |  | 2 | ​ |  | 3 | ​ |  | — | ​ |  | 16 | ​ |  | 50 | ​ |  | 46 | ​ |  | 135
Provision (benefit) | ​ |  | 3 | ​ |  | (20) | ​ |  | (7) | ​ |  | 125 | ​ |  | 30 | ​ |  | (43) | ​ |  | (50) | ​ |  | 1,436 | ​ |  | 1,474
Ending balance | ​ | $ | 5,506 | ​ | $ | 4,265 | ​ | $ | 1,786 | ​ | $ | 746 | ​ | $ | 381 | ​ | $ | 382 | ​ | $ | — | ​ | $ | 8,444 | ​ | $ | 21,510
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2020
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | One-to-four | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | family - | ​ | One-to-four | ​ | ​ | ​ | ​ | Small | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​
​ | ​ | Multi-family | ​ | Commercial | ​ | mixed-use | ​ | family - | ​ | Construction | ​ | Business | ​ | Taxi | ​ | business and | ​ | ​ | ​
(In thousands) |  | residential |  | real estate |  | property |  | residential |  | loans |  | Administration |  | medallion |  | other |  | Total
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for credit losses: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Beginning balance | ​ | $ | 5,391 | ​ | $ | 4,429 | ​ | $ | 1,817 | ​ | $ | 756 | ​ | $ | 441 | ​ | $ | 363 | ​ | $ | — | ​ | $ | 8,554 | ​ | $ | 21,751
Impact of CECL Adoption | ​ | ​ | (650) | ​ |  | 1,170 | ​ |  | (55) | ​ |  | (160) | ​ |  | (279) | ​ |  | 1,180 | ​ |  | — | ​ |  | (827) | ​ | ​ | 379
Charge-off's | ​ |  | — | ​ | ​ | — | ​ | ​ | (3) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (178) | ​ | ​ | — | ​ | ​ | (2,108) | ​ |  | (2,289)
Recoveries | ​ |  | 13 | ​ |  | — | ​ |  | 78 | ​ |  | 8 | ​ |  | — | ​ |  | 20 | ​ |  | — | ​ |  | 14 | ​ |  | 133
Provision | ​ |  | 4,181 | ​ |  | 1,372 | ​ |  | 989 | ​ |  | 557 | ​ |  | 21 | ​ |  | 1 | ​ |  | — | ​ |  | 9,615 | ​ |  | 16,736
Ending balance | ​ | $ | 8,935 | ​ | $ | 6,971 | ​ | $ | 2,826 | ​ | $ | 1,161 | ​ | $ | 183 | ​ | $ | 1,386 | ​ | $ | — | ​ | $ | 15,248 | ​ | $ | 36,710
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2019
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | One-to-four | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | family - | ​ | One-to-four | ​ | ​ | ​ | ​ | Small | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​
​ | ​ | Multi-family | ​ | Commercial | ​ | mixed-use | ​ | family - | ​ | Construction | ​ | Business | ​ | Taxi | ​ | business and | ​ | ​ | ​
(In thousands) |  | residential |  | real estate |  | property |  | residential |  | loans |  | Administration |  | medallion |  | other |  | Total
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for credit losses: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Beginning balance | ​ | $ | 5,676 | ​ | $ | 4,315 | ​ | $ | 1,867 | ​ | $ | 749 | ​ | $ | 329 | ​ | $ | 418 | ​ | $ | — | ​ | $ | 7,591 | ​ | $ | 20,945
Charge-off's | ​ |  | (1) | ​ |  | — | ​ |  | (1) | ​ |  | (113) | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | (2,137) | ​ |  | (2,252)
Recoveries | ​ |  | 24 | ​ |  | 7 | ​ |  | 88 | ​ |  | 7 | ​ |  | — | ​ |  | 20 | ​ |  | 134 | ​ |  | 91 | ​ |  | 371
Provision (Benefit) | ​ |  | (193) | ​ |  | (57) | ​ |  | (168) | ​ |  | 103 | ​ |  | 52 | ​ |  | (56) | ​ |  | (134) | ​ |  | 2,899 | ​ |  | 2,446
Ending balance | ​ | $ | 5,506 | ​ | $ | 4,265 | ​ | $ | 1,786 | ​ | $ | 746 | ​ | $ | 381 | ​ | $ | 382 | ​ | $ | — | ​ | $ | 8,444 | ​ | $ | 21,510
Summary of risk category of mortgage and non-mortgage loans by loan portfolio segments and class of loans by year of origination | The following table summarizes the risk category of mortgage and non-mortgage loans by loan portfolio segments and class of loans by year of origination :
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the year ended
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving Loans, | ​ | ​ | Lines of Credit
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized Cost | ​ | ​ | converted to
(In thousands) | ​ | ​ | 2020 | ​ | ​ | 2019 | ​ | ​ | 2018 | ​ | ​ | 2017 | ​ | ​ | 2016 | ​ | ​ | Prior | ​ | ​ | Basis | ​ | ​ | term loans
1-4 Family Residential | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 11,091 | ​ | $ | 25,155 | ​ | $ | 26,395 | ​ | $ | 14,736 | ​ | $ | 11,318 | ​ | $ | 62,336 | ​ | $ | 7,836 | ​ | $ | 18,842
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 913 | ​ | ​ | — | ​ | ​ | 2,174 | ​ | ​ | 299 | ​ | ​ | 2,276
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,829 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,265 | ​ | ​ | — | ​ | ​ | 1,197
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 955 | ​ | ​ | 3,663 | ​ | ​ | 146 | ​ | ​ | 1,366
Total 1-4 Family Residential | ​ | $ | 11,091 | ​ | $ | 25,155 | ​ | $ | 28,224 | ​ | $ | 15,649 | ​ | $ | 12,273 | ​ | $ | 70,438 | ​ | $ | 8,281 | ​ | $ | 23,681
1-4 Family Mixed-Use | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 23,451 | ​ | $ | 66,989 | ​ | $ | 76,271 | ​ | $ | 62,016 | ​ | $ | 53,660 | ​ | $ | 293,719 | ​ | $ | — | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | 2,510 | ​ | ​ | 1,022 | ​ | ​ | 901 | ​ | ​ | 1,161 | ​ | ​ | 9,406 | ​ | ​ | — | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 391 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,658 | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 794 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,755 | ​ | ​ | — | ​ | ​ | —
Total 1-4 Family Mixed Use | ​ | $ | 23,451 | ​ | $ | 69,499 | ​ | $ | 78,478 | ​ | $ | 62,917 | ​ | $ | 54,821 | ​ | $ | 306,538 | ​ | $ | — | ​ | $ | —
Commercial Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 90,991 | ​ | $ | 250,747 | ​ | $ | 282,767 | ​ | $ | 195,472 | ​ | $ | 231,133 | ​ | $ | 491,110 | ​ | $ | — | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | 9,072 | ​ | ​ | — | ​ | ​ | 2,599 | ​ | ​ | 22,694 | ​ | ​ | 66,239 | ​ | ​ | — | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,357 | ​ | ​ | 2,370 | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | 1,702 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 997 | ​ | ​ | — | ​ | ​ | —
Total Commercial Real Estate | ​ | $ | 90,991 | ​ | $ | 261,521 | ​ | $ | 282,767 | ​ | $ | 198,071 | ​ | $ | 255,184 | ​ | $ | 560,716 | ​ | $ | — | ​ | $ | —
Construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 7,333 | ​ | $ | 15,635 | ​ | $ | 36,212 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 9,399 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 678 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total Construction | ​ | $ | 7,333 | ​ | $ | 15,635 | ​ | $ | 36,890 | ​ | $ | — | ​ | $ | 9,399 | ​ | $ | — | ​ | $ | — | ​ | $ | —
Multifamily | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 131,983 | ​ | $ | 311,043 | ​ | $ | 367,770 | ​ | $ | 372,340 | ​ | $ | 274,937 | ​ | $ | 800,168 | ​ | $ | 3,884 | ​ | $ | —
Watch | ​ | ​ | 979 | ​ | ​ | 1,582 | ​ | ​ | — | ​ | ​ | 2,586 | ​ | ​ | 2,121 | ​ | ​ | 17,199 | ​ | ​ | 321 | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 739 | ​ | ​ | — | ​ | ​ | 982 | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,988 | ​ | ​ | — | ​ | ​ | 709 | ​ | ​ | 1,031 | ​ | ​ | — | ​ | ​ | —
Total Multifamily | ​ | $ | 132,962 | ​ | $ | 312,625 | ​ | $ | 369,758 | ​ | $ | 375,665 | ​ | $ | 277,767 | ​ | $ | 819,380 | ​ | $ | 4,205 | ​ | $ | —
Commercial Business - Secured by RE | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 61,354 | ​ | $ | 91,638 | ​ | $ | 56,916 | ​ | $ | 22,223 | ​ | $ | 44,822 | ​ | $ | 83,498 | ​ | $ | — | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,085 | ​ | ​ | 1,320 | ​ | ​ | 2,681 | ​ | ​ | 3,750 | ​ | ​ | — | ​ | ​ | —
Total Commercial Business - Secured by RE | ​ | $ | 61,354 | ​ | $ | 91,638 | ​ | $ | 64,001 | ​ | $ | 23,543 | ​ | $ | 47,503 | ​ | $ | 87,248 | ​ | $ | — | ​ | $ | —
Commercial Business | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 75,715 | ​ | $ | 140,668 | ​ | $ | 110,312 | ​ | $ | 72,507 | ​ | $ | 17,769 | ​ | $ | 71,794 | ​ | $ | 174,234 | ​ | $ | —
Watch | ​ | ​ | 445 | ​ | ​ | 1,001 | ​ | ​ | 4,110 | ​ | ​ | 3,145 | ​ | ​ | — | ​ | ​ | 112 | ​ | ​ | 10,361 | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,433 | ​ | ​ | — | ​ | ​ | 2,683 | ​ | ​ | 447 | ​ | ​ | 4,543 | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | 51 | ​ | ​ | — | ​ | ​ | 3,355 | ​ | ​ | — | ​ | ​ | 1,680 | ​ | ​ | 348 | ​ | ​ | —
Total Commercial Business | ​ | $ | 76,160 | ​ | $ | 141,720 | ​ | $ | 116,855 | ​ | $ | 79,007 | ​ | $ | 20,452 | ​ | $ | 74,033 | ​ | $ | 189,486 | ​ | $ | —
Small Business Administration | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 91,607 | ​ | $ | 963 | ​ | $ | 3,613 | ​ | $ | 1,058 | ​ | $ | 2,620 | ​ | $ | 1,669 | ​ | $ | — | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,272 | ​ | ​ | — | ​ | ​ | 266 | ​ | ​ | — | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 53 | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,170 | ​ | ​ | 177 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total Small Business Administration | ​ | $ | 91,607 | ​ | $ | 963 | ​ | $ | 3,613 | ​ | $ | 4,500 | ​ | $ | 2,797 | ​ | $ | 1,988 | ​ | $ | — | ​ | $ | —
Taxi Medallions | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Substandard | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 3,270 | ​ | $ | — | ​ | $ | —
Total Taxi Medallions | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 3,270 | ​ | $ | — | ​ | $ | —
Other | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 48 | ​ | $ | 124 | ​ | $ | —
Total Other | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 48 | ​ | $ | 124 | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Loans | ​ | $ | 494,949 | ​ | $ | 918,756 | ​ | $ | 980,586 | ​ | $ | 759,352 | ​ | $ | 680,196 | ​ | $ | 1,923,659 | ​ | $ | 202,096 | ​ | $ | 23,681
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ The following table sets forth the recorded investment in loans designated as Criticized or Classified at the period indicated: ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019
(In thousands) |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Multi-family residential | ​ | $ | 1,563 | ​ | $ | 2,743 | ​ | $ | — | ​ | $ | — | ​ | $ | 4,306
Commercial real estate | ​ |  | 5,525 | ​ |  | 367 | ​ |  | — | ​ |  | — | ​ |  | 5,892
One-to-four family - mixed-use property | ​ |  | 1,585 | ​ |  | 453 | ​ |  | — | ​ |  | — | ​ |  | 2,038
One-to-four family - residential | ​ |  | 1,095 | ​ |  | 5,787 | ​ |  | — | ​ |  | — | ​ |  | 6,882
Construction | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Small Business Administration | ​ |  | 55 | ​ |  | 85 | ​ |  | — | ​ |  | — | ​ |  | 140
Taxi medallion | ​ |  | — | ​ |  | 3,309 | ​ |  | — | ​ |  | — | ​ |  | 3,309
Commercial business and other | ​ |  | 3,924 | ​ |  | 11,289 | ​ |  | 266 | ​ |  | — | ​ |  | 15,479
Total loans | ​ | $ | 13,747 | ​ | $ | 24,033 | ​ | $ | 266 | ​ | $ | — | ​ | $ | 38,046
​
Summary of types of collateral-dependent loans by class of loans |
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​
​ | ​ | Collateral Type
(In thousands) | ​ | ​ | Real Estate | ​ | ​ | Business Assets
Multi-family residential | ​ | $ | 3,728 | ​ | $ | —
Commercial real estate | ​ | ​ | 2,700 | ​ | ​ | —
One-to-four family - mixed-use property | ​ | ​ | 2,548 | ​ | ​ | —
One-to-four family - residential | ​ | ​ | 5,869 | ​ | ​ | —
Small Business Administration | ​ | ​ | — | ​ | ​ | 1,347
Commercial business and other | ​ | ​ | — | ​ | ​ | 1,678
Taxi Medallion | ​ | ​ | — | ​ | ​ | 3,270
Total | ​ | $ | 14,845 | ​ | $ | 6,295
Nonperforming Financial Instruments [Member] |
Notes Tables |
Schedule of recorded investment for loans classified as TDR at amortized cost |
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2020
​ | ​ | Number | ​ | Recorded
(Dollars in thousands) |  | of contracts |  | investment
Taxi medallion |  | 5 | ​ | $ | 1,195
One-to-four family - mixed-use property | ​ | 1 | ​ | ​ | 338
Commercial business and other |  | 1 | ​ |  | 279
Total troubled debt restructurings that subsequently defaulted |  | 7 | ​ | $ | 1,812
​ ​ The following table shows our recorded investment for loans classified as TDR that are not performing according to their restructured terms at the periods indicated:
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019
​ | ​ | Number | ​ | Recorded
(Dollars in thousands) | ​ | of contracts |  | investment
Taxi medallion | ​ | 4 | ​ | $ | 1,065
Commercial business and other | ​ | 1 | ​ |  | 279
Total troubled debt restructurings that subsequently defaulted | ​ | 5 | ​ | $ | 1,344
Schedule of non-accrual loans at amortized cost with no related allowance and interest income recognized for loans ninety days or more past due and still accruing |
​ ​ ​ ​ ​ | ​ | ​ | ​
​ ​ | ​ | ​ | ​
​ | ​ | December 31,
(In thousands) | ​ | 2019
Loans ninety days or more past due and still accruing: | ​ | ​ |
Multi-family residential | ​ | $ | 445
Total | ​ |  | 445
Non-accrual mortgage loans: | ​ |  |
Multi-family residential | ​ |  | 2,296
Commercial real estate | ​ |  | 367
One-to-four family - mixed-use property | ​ |  | 274
One-to-four family - residential | ​ | ​ | 5,139
Total | ​ |  | 8,076
Non-accrual non-mortgage loans: | ​ |  |
Small Business Administration | ​ |  | 1,151
Taxi medallion(1) | ​ |  | 1,641
Commercial business and other(1) | ​ |  | 1,945
Total | ​ |  | 4,737
Total non-accrual loans | ​ |  | 12,813
Total non-performing loans | ​ | $ | 13,258
​
(1) | Not included in the above analysis are non-accrual performing TDR taxi medallion loans totaling $1.7 million at December 31, 2019, respectively and non-accrual performing TDR commercial business loans totaling $0.9 million at December 31, 2019.
Performing According to Restructured Terms [Member] |
Notes Tables |
Schedule of recorded investment for loans classified as TDR at amortized cost | ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2020
​ | ​ | Number | ​ | Amortized
(Dollars in thousands) |  | of contracts |  | Cost
Multi-family residential |  | 7 | ​ | $ | 1,860
One-to-four family - mixed-use property |  | 3 | ​ |  | 1,143
One-to-four family - residential |  | 3 | ​ |  | 518
Taxi medallion (1) |  | 6 | ​ | ​ | 1,512
Commercial business and other (1) |  | 3 | ​ |  | 950
Total performing troubled debt restructured |  | 22 | ​ | $ | 5,983
| (1) | These loans in the table above continue to pay as agreed, however the Company records interest received on a cash basis.
​ The following table shows our recorded investment for loans classified as TDR that are performing according to their restructured terms at the periods indicated : ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019
​ | ​ | Number | ​ | Recorded
(Dollars in thousands) | ​ | of contracts |  | investment
Multi-family residential | ​ | 7 | ​ | $ | 1,873
One-to-four family - mixed-use property | ​ | 4 | ​ |  | 1,481
One-to-four family - residential | ​ | 3 | ​ |  | 531
Taxi medallion (1) | ​ | 7 | ​ |  | 1,668
Commercial business and other (1) | ​ | 3 | ​ |  | 941
Total performing troubled debt restructured | ​ | 24 | ​ | $ | 6,494
​
| (1) | These loans in the table above continue to pay as agreed, however the Company records interest received on a cash basis.

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