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Loans (Tables) | 9 Months Ended
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Sep. 30, 2020
Notes Tables |
Schedule of TDR loan modifications | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the three and nine months ended
​ | ​ | September 30, 2020 | ​ | September 30, 2019
(Dollars in thousands) |  | Number |  | Balance |  | Modification description |  | Number |  | Balance |  | Modification description
One-to-four family - mixed-use property | ​ | 1 | ​ | $ | 270 | ​ | Below market interest rate. | ​ | — | ​ | ​ | — | ​ | ​
Commercial business and other |  | — | ​ | ​ | — |  | ​ |  | 3 | ​ | $ | 951 |  | Amortization extension
Total |  | 1 | ​ | $ | 270 |  |  |  | 3 | ​ | $ | 951 |  |
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 nine months ended September 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 | ​ | $ | 2,723 | ​ | $ | 2,723 | ​ | $ | — | ​ | $ | —
Commercial real estate | ​ | ​ | 2,714 | ​ | ​ | 2,714 | ​ | ​ | — | ​ | ​ | —
One-to-four family - mixed-use property | ​ | ​ | 1,704 | ​ | ​ | 1,704 | ​ | ​ | — | ​ | ​ | —
One-to-four family - residential | ​ | ​ | 5,922 | ​ | ​ | 5,922 | ​ | ​ | — | ​ | ​ | —
Small Business Administration | ​ | ​ | 1,169 | ​ | ​ | 1,169 | ​ | ​ | — | ​ | ​ | —
Taxi medallion(1) | ​ | ​ | 2,318 | ​ | ​ | 2,318 | ​ | ​ | — | ​ | ​ | —
Commercial business and other(1) | ​ | ​ | 9,278 | ​ | ​ | 6,456 | ​ | ​ | 32 | ​ | ​ | —
Total | ​ | $ | 25,828 | ​ | $ | 23,006 | ​ | $ | 32 | ​ | $ | —
​ (1)Included in the above analysis are non-accrual performing one-to-four family – mixed-use property totaling $0.3 million, non-accrual performing TDR taxi medallion loans totaling $0.1 million September 30, 2020 and non-accrual performing TDR commercial business loans totaling $1.0 million at September 30, 2020.
Summary of interest foregone on non-accrual loans and loans classified as TDR | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the three months ended | ​ | For the nine months ended
​ | ​ | September 30, | ​ | September 30,
​ |  | 2020 |  | 2019 |  | 2020 |  | 2019
​ | ​ | (In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms | ​ | $ | 491 | ​ | $ | 416 | ​ | $ | 1,296 | ​ | $ | 1,224
Less: Interest income included in the results of operations | ​ |  | 78 | ​ |  | 89 | ​ |  | 240 | ​ |  | 330
Total foregone interest | ​ | $ | 413 | ​ | $ | 327 | ​ | $ | 1,056 | ​ | $ | 894
Summary of aging of the amortized cost basis in past-due loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 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 | ​ | $ | 4,499 | ​ | $ | 777 | ​ | $ | 2,723 | ​ | $ | 7,999 | ​ | $ | 2,251,453 | ​ | $ | 2,259,452
Commercial real estate | ​ |  | 525 | ​ |  | 192 | ​ |  | 2,714 | ​ |  | 3,431 | ​ |  | 1,635,986 | ​ |  | 1,639,417
One-to-four family - mixed-use property | ​ |  | 3,048 | ​ |  | 559 | ​ |  | 1,429 | ​ |  | 5,036 | ​ |  | 584,562 | ​ |  | 589,598
One-to-four family - residential | ​ |  | 2,118 | ​ |  | 689 | ​ |  | 5,922 | ​ |  | 8,729 | ​ |  | 192,052 | ​ |  | 200,781
Construction loans | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 63,406 | ​ |  | 63,406
Small Business Administration | ​ |  | — | ​ |  | — | ​ |  | 1,169 | ​ |  | 1,169 | ​ |  | 122,311 | ​ |  | 123,480
Taxi medallion | ​ |  | 198 | ​ |  | 99 | ​ |  | 2,021 | ​ |  | 2,318 | ​ |  | — | ​ |  | 2,318
Commercial business and other | ​ |  | 112 | ​ |  | — | ​ |  | 6,456 | ​ |  | 6,568 | ​ |  | 1,056,378 | ​ |  | 1,062,946
Total | ​ | $ | 10,500 | ​ | $ | 2,316 | ​ | $ | 22,434 | ​ | $ | 35,250 | ​ | $ | 5,906,148 | ​ | $ | 5,941,398
​ ​ 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 | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 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 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 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 | ​ | $ | 8,935 | ​ | $ | 6,971 | ​ | $ | 2,826 | ​ | $ | 1,161 | ​ | $ | 183 | ​ | $ | 1,386 | ​ | $ | — | ​ | $ | 15,248 | ​ | $ | 36,710
Charge-offs | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | (951) | ​ |  | (13) | ​ |  | (964)
Recoveries | ​ |  | 14 | ​ |  | — | ​ |  | 60 | ​ |  | 2 | ​ |  | — | ​ |  | 47 | ​ |  | — | ​ |  | 4 | ​ |  | 127
Provision (benefit) | ​ |  | (1,553) | ​ |  | 1,576 | ​ |  | (1,208) | ​ |  | (483) | ​ |  | 35 | ​ |  | 450 | ​ |  | 951 | ​ |  | 2,702 | ​ |  | 2,470
Ending balance | ​ | $ | 7,396 | ​ | $ | 8,547 | ​ | $ | 1,678 | ​ | $ | 680 | ​ | $ | 218 | ​ | $ | 1,883 | ​ | $ | — | ​ | $ | 17,941 | ​ | $ | 38,343
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 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 | ​ | $ | 5,506 | ​ | $ | 4,265 | ​ | $ | 1,786 | ​ | $ | 746 | ​ | $ | 381 | ​ | $ | 382 | ​ | $ | — | ​ | $ | 8,444 | ​ | $ | 21,510
Charge-offs | ​ |  | (189) | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | (242) | ​ |  | (431)
Recoveries | ​ |  | 6 | ​ |  | — | ​ |  | 140 | ​ |  | 3 | ​ |  | — | ​ |  | 32 | ​ |  | — | ​ |  | 92 | ​ |  | 273
Provision (benefit) | ​ |  | 54 | ​ |  | 99 | ​ |  | (120) | ​ |  | (4) | ​ |  | 37 | ​ |  | (57) | ​ |  | — | ​ |  | 674 | ​ |  | 683
Ending balance | ​ | $ | 5,377 | ​ | $ | 4,364 | ​ | $ | 1,806 | ​ | $ | 745 | ​ | $ | 418 | ​ | $ | 357 | ​ | $ | — | ​ | $ | 8,968 | ​ | $ | 22,035
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 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) | ​ | ​ | (951) | ​ | ​ | (2,121) | ​ |  | (3,253)
Recoveries | ​ |  | 27 | ​ |  | — | ​ |  | 138 | ​ |  | 10 | ​ |  | — | ​ |  | 67 | ​ |  | — | ​ |  | 18 | ​ |  | 260
Provision | ​ |  | 2,628 | ​ |  | 2,948 | ​ |  | (219) | ​ |  | 74 | ​ |  | 56 | ​ |  | 451 | ​ |  | 951 | ​ |  | 12,317 | ​ |  | 19,206
Ending balance | ​ | $ | 7,396 | ​ | $ | 8,547 | ​ | $ | 1,678 | ​ | $ | 680 | ​ | $ | 218 | ​ | $ | 1,883 | ​ | $ | — | ​ | $ | 17,941 | ​ | $ | 38,343
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 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 | ​ |  | (190) | ​ |  | — | ​ |  | (1) | ​ |  | (113) | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | (2,379) | ​ |  | (2,683)
Recoveries | ​ |  | 30 | ​ |  | 7 | ​ |  | 228 | ​ |  | 10 | ​ |  | — | ​ |  | 52 | ​ |  | 134 | ​ |  | 183 | ​ |  | 644
Provision (Benefit) | ​ |  | (139) | ​ |  | 42 | ​ |  | (288) | ​ |  | 99 | ​ |  | 89 | ​ |  | (113) | ​ |  | (134) | ​ |  | 3,573 | ​ |  | 3,129
Ending balance | ​ | $ | 5,377 | ​ | $ | 4,364 | ​ | $ | 1,806 | ​ | $ | 745 | ​ | $ | 418 | ​ | $ | 357 | ​ | $ | — | ​ | $ | 8,968 | ​ | $ | 22,035
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 | ​ | $ | 22,735 | ​ | $ | 25,030 | ​ | $ | 27,827 | ​ | $ | 15,548 | ​ | $ | 11,231 | ​ | $ | 59,657 | ​ | $ | 7,678 | ​ | $ | 18,095
Watch | ​ | ​ | 489 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,936 | ​ | ​ | 299 | ​ | ​ | 2,011
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 667 | ​ | ​ | — | ​ | ​ | 492
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 960 | ​ | ​ | 3,390 | ​ | ​ | — | ​ | ​ | 1,736
Total 1-4 Family Residential | ​ | $ | 23,224 | ​ | $ | 25,030 | ​ | $ | 27,827 | ​ | $ | 15,548 | ​ | $ | 12,191 | ​ | $ | 66,650 | ​ | $ | 7,977 | ​ | $ | 22,334
1-4 Family Mixed-Use | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 27,156 | ​ | $ | 66,500 | ​ | $ | 74,828 | ​ | $ | 59,923 | ​ | $ | 53,344 | ​ | $ | 288,858 | ​ | $ | — | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | 1,873 | ​ | ​ | 903 | ​ | ​ | 2,013 | ​ | ​ | 1,146 | ​ | ​ | 8,556 | ​ | ​ | — | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 379 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,179 | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | 620 | ​ | ​ | 806 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,514 | ​ | ​ | — | ​ | ​ | —
Total 1-4 Family Mixed Use | ​ | $ | 27,156 | ​ | $ | 68,993 | ​ | $ | 76,916 | ​ | $ | 61,936 | ​ | $ | 54,490 | ​ | $ | 300,107 | ​ | $ | — | ​ | $ | —
Commercial Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 118,019 | ​ | $ | 248,812 | ​ | $ | 281,920 | ​ | $ | 189,592 | ​ | $ | 213,553 | ​ | $ | 482,495 | ​ | $ | — | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | 8,606 | ​ | ​ | — | ​ | ​ | 4,883 | ​ | ​ | 28,203 | ​ | ​ | 58,587 | ​ | ​ | — | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | 981 | ​ | ​ | — | ​ | ​ | 192 | ​ | ​ | — | ​ | ​ | 861 | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | 1,702 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,011 | ​ | ​ | — | ​ | ​ | —
Total Commercial Real Estate | ​ | $ | 118,019 | ​ | $ | 260,101 | ​ | $ | 281,920 | ​ | $ | 194,667 | ​ | $ | 241,756 | ​ | $ | 542,954 | ​ | $ | — | ​ | $ | —
Construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 10,058 | ​ | $ | 14,751 | ​ | $ | 31,402 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | 886 | ​ | ​ | 5,631 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 678 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total Construction | ​ | $ | 10,058 | ​ | $ | 15,637 | ​ | $ | 37,711 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Multifamily | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 174,397 | ​ | $ | 309,564 | ​ | $ | 364,298 | ​ | $ | 356,206 | ​ | $ | 269,388 | ​ | $ | 749,946 | ​ | $ | 3,433 | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | 1,571 | ​ | ​ | — | ​ | ​ | 2,537 | ​ | ​ | 2,784 | ​ | ​ | 19,504 | ​ | ​ | 865 | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 699 | ​ | ​ | 776 | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,999 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,485 | ​ | ​ | — | ​ | ​ | —
Total Multifamily | ​ | $ | 174,397 | ​ | $ | 311,135 | ​ | $ | 366,297 | ​ | $ | 358,743 | ​ | $ | 272,871 | ​ | $ | 771,711 | ​ | $ | 4,298 | ​ | $ | —
Commercial Business - Secured by RE | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 68,713 | ​ | $ | 91,282 | ​ | $ | 56,704 | ​ | $ | 22,051 | ​ | $ | 47,335 | ​ | $ | 82,368 | ​ | $ | — | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,080 | ​ | ​ | 1,320 | ​ | ​ | — | ​ | ​ | 416 | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,331 | ​ | ​ | — | ​ | ​ | —
Total Commercial Business - Secured by RE | ​ | $ | 68,713 | ​ | $ | 91,282 | ​ | $ | 63,784 | ​ | $ | 23,371 | ​ | $ | 47,335 | ​ | $ | 86,115 | ​ | $ | — | ​ | $ | —
Commercial Business | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 59,956 | ​ | $ | 137,475 | ​ | $ | 108,265 | ​ | $ | 64,737 | ​ | $ | 17,573 | ​ | $ | 67,940 | ​ | $ | 186,882 | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | 2,889 | ​ | ​ | 4,112 | ​ | ​ | 7,880 | ​ | ​ | — | ​ | ​ | 10 | ​ | ​ | 10,935 | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | 51 | ​ | ​ | 2,411 | ​ | ​ | — | ​ | ​ | 2,418 | ​ | ​ | — | ​ | ​ | (26) | ​ | ​ | —
Substandard | ​ | ​ | 39 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,810 | ​ | ​ | — | ​ | ​ | 1,711 | ​ | ​ | 171 | ​ | ​ | —
Doubtful | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | ​ | ​ | ​ | 1,872 | ​ | ​ | —
Total Commercial Business | ​ | $ | 59,995 | ​ | $ | 140,415 | ​ | $ | 114,788 | ​ | $ | 77,427 | ​ | $ | 19,991 | ​ | $ | 69,661 | ​ | $ | 199,834 | ​ | $ | —
Small Business Administration | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 110,121 | ​ | $ | 1,067 | ​ | $ | 3,590 | ​ | $ | 1,043 | ​ | $ | 2,551 | ​ | $ | 1,625 | ​ | $ | — | ​ | $ | —
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,257 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 50 | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,169 | ​ | ​ | 7 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total Small Business Administration | ​ | $ | 110,121 | ​ | $ | 1,067 | ​ | $ | 3,590 | ​ | $ | 4,469 | ​ | $ | 2,558 | ​ | $ | 1,675 | ​ | $ | — | ​ | $ | —
Taxi Medallions | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Substandard | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 2,318 | ​ | $ | — | ​ | $ | —
Total Taxi Medallions | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 2,318 | ​ | $ | — | ​ | $ | —
Other | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 136 | ​ | $ | 99 | ​ | $ | —
Total Other | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 136 | ​ | $ | 99 | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Loans | ​ | $ | 591,683 | ​ | $ | 913,660 | ​ | $ | 972,833 | ​ | $ | 736,161 | ​ | $ | 651,192 | ​ | $ | 1,841,327 | ​ | $ | 212,208 | ​ | $ | 22,334
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ 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 | ​ | $ | 2,723 | ​ | $ | —
Commercial real estate | ​ | ​ | 6,045 | ​ | ​ | —
One-to-four family - mixed-use property | ​ | ​ | 1,704 | ​ | ​ | —
One-to-four family - residential | ​ | ​ | 5,922 | ​ | ​ | —
Small Business Administration | ​ | ​ | — | ​ | ​ | 1,169
Commercial business and other | ​ | ​ | — | ​ | ​ | 4,996
Taxi Medallion | ​ | ​ | — | ​ | ​ | 2,318
Total | ​ | $ | 16,394 | ​ | $ | 8,483
Nonperforming Financial Instruments [Member] |
Notes Tables |
Schedule of recorded investment for loans classified as TDR at amortized cost | ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2020
​ | ​ | Number | ​ | Amortized
(Dollars in thousands) |  | of contracts |  | Cost
Taxi medallion |  | 10 | ​ | $ | 1,823
Commercial business and other |  | 1 | ​ |  | 279
Total troubled debt restructurings that subsequently defaulted |  | 11 | ​ | $ | 2,102
​ ​ 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 | The following table shows our recorded investment for loans classified as TDR at amortized cost that are performing according to their restructured terms at the periods indicated: ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2020
​ | ​ | Number | ​ | Amortized
(Dollars in thousands) |  | of contracts |  | Cost
Multi-family residential |  | 7 | ​ | $ | 1,876
One-to-four family - mixed-use property (1) |  | 5 | ​ |  | 1,744
One-to-four family - residential |  | 3 | ​ |  | 513
Taxi medallion (1) |  | 1 | ​ | ​ | 99
Commercial business and other (1) |  | 3 | ​ |  | 950
Total performing troubled debt restructured |  | 19 | ​ | $ | 5,182
| (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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