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Loans (Tables) | 3 Months Ended
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Mar. 31, 2021
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 three months ended March 31, 2021
(In thousands) | ​ | ​ | Non-Accrual Amortized Cost Beginning of Reporting Period | ​ | ​ | Non-Accrual Amortized Cost Ending of Reporting Period | ​ | ​ | Non-Accrual with no related Allowance | ​ | ​ | Interest Income Recognized | ​ | ​ | Loans ninety days or more past due and still accruing:
Multi-family residential | ​ | $ | 2,576 | ​ | $ | 4,435 | ​ | $ | 4,435 | ​ | $ | — | ​ | $ | 201
Commercial real estate | ​ | ​ | 1,766 | ​ | ​ | 35 | ​ | ​ | 35 | ​ | ​ | — | ​ | ​ | —
One-to-four family - mixed-use property | ​ | ​ | 1,706 | ​ | ​ | 2,753 | ​ | ​ | 2,753 | ​ | ​ | — | ​ | ​ | —
One-to-four family - residential | ​ | ​ | 5,313 | ​ | ​ | 6,789 | ​ | ​ | 6,789 | ​ | ​ | — | ​ | ​ | —
Construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,381
Small Business Administration | ​ | ​ | 1,168 | ​ | ​ | 1,168 | ​ | ​ | 1,168 | ​ | ​ | — | ​ | ​ | —
Taxi medallion(2) | ​ | ​ | 2,758 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial business and other(1) | ​ | ​ | 5,660 | ​ | ​ | 5,643 | ​ | ​ | 1,626 | ​ | ​ | 48 | ​ | ​ | —
Total | ​ | $ | 20,947 | ​ | $ | 20,823 | ​ | $ | 16,806 | ​ | $ | 48 | ​ | $ | 2,582
​ (1) Included in the above analysis are non-accrual performing one-to-four family – mixed-use property totaling $0.3 million, and non-accrual performing TDR commercial business loans totaling $2.2 million at March 31, 2021. (2) These loans were completely charged-off during the three months ended March 31, 2021. ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At or for the twelve months ended December 31, 2020
(In thousands) | ​ | ​ | Non-Accrual Amortized Cost Beginning of Reporting Period | ​ | ​ | Non-Accrual Amortized Cost Ending of Reporting Period | ​ | ​ | Non-Accrual with no related Allowance | ​ | ​ | Interest Income Recognized | ​ | ​ | Loans ninety days or more past due and still accruing:
Multi-family residential | ​ | $ | 2,723 | ​ | $ | 2,576 | ​ | $ | 2,576 | ​ | $ | — | ​ | $ | 201
Commercial real estate | ​ | ​ | 2,714 | ​ | ​ | 1,766 | ​ | ​ | 1,766 | ​ | ​ | — | ​ | ​ | 2,547
One-to-four family - mixed-use property | ​ | ​ | 1,704 | ​ | ​ | 1,706 | ​ | ​ | 1,706 | ​ | ​ | — | ​ | ​ | —
One-to-four family - residential | ​ | ​ | 9,992 | ​ | ​ | 5,313 | ​ | ​ | 5,313 | ​ | ​ | — | ​ | ​ | —
Small Business Administration | ​ | ​ | 1,169 | ​ | ​ | 1,168 | ​ | ​ | 1,168 | ​ | ​ | — | ​ | ​ | —
Taxi medallion(1) | ​ | ​ | 2,318 | ​ | ​ | 2,758 | ​ | ​ | 2,758 | ​ | ​ | — | ​ | ​ | —
Commercial business and other(1) | ​ | ​ | 7,406 | ​ | ​ | 5,660 | ​ | ​ | 1,593 | ​ | ​ | 58 | ​ | ​ | —
Total | ​ | $ | 28,026 | ​ | $ | 20,947 | ​ | $ | 16,880 | ​ | $ | 58 | ​ | $ | 2,748
(1) | Included in the above analysis are non-accrual performing TDR one-to-four family – mixed-use property totaling $0.3 million, non-accrual performing TDR taxi medallion loans totaling $0.4 million at December 31, 2020 and non-accrual performing TDR commercial business loans totaling $2.2 million at December 31, 2020.
Summary of interest foregone on non-accrual loans and loans classified as TDR | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the three months ended
​ | ​ | March 31,
​ |  | 2021 |  | 2020
​ | ​ | ​ | ​ | ​ | ​ | ​
Interest income that would have been recognized had the loans performed in accordance with their original terms | ​ | $ | 462 | ​ | $ | 375
Less: Interest income included in the results of operations | ​ |  | 160 | ​ |  | 89
Total foregone interest | ​ | $ | 302 | ​ | $ | 286
Summary of aging of the amortized cost basis in past-due loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2021
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 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 | ​ | $ | 11,887 | ​ | $ | — | ​ | $ | 4,636 | ​ | $ | 16,523 | ​ | $ | 2,510,593 | ​ | $ | 2,527,116
Commercial real estate | ​ |  | 419 | ​ |  | 800 | ​ |  | 35 | ​ |  | 1,254 | ​ |  | 1,722,223 | ​ |  | 1,723,477
One-to-four family - mixed-use property | ​ |  | 4,759 | ​ |  | 1,210 | ​ |  | 2,480 | ​ |  | 8,449 | ​ |  | 590,570 | ​ |  | 599,019
One-to-four family - residential | ​ |  | 1,101 | ​ |  | 375 | ​ |  | 6,789 | ​ |  | 8,265 | ​ |  | 238,740 | ​ |  | 247,005
Construction | ​ |  | — | ​ |  | — | ​ |  | 2,381 | ​ |  | 2,381 | ​ |  | 59,052 | ​ |  | 61,433
Small Business Administration | ​ |  | 642 | ​ |  | — | ​ |  | 1,168 | ​ |  | 1,810 | ​ |  | 259,829 | ​ |  | 261,639
Taxi medallion | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Commercial business and other | ​ |  | 2,604 | ​ |  | 320 | ​ |  | 1,626 | ​ |  | 4,550 | ​ |  | 1,321,077 | ​ |  | 1,325,627
Total | ​ | $ | 21,412 | ​ | $ | 2,705 | ​ | $ | 19,115 | ​ | $ | 43,232 | ​ | $ | 6,702,084 | ​ | $ | 6,745,316
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 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 | ​ | $ | 7,582 | ​ | $ | 3,186 | ​ | $ | 2,777 | ​ | $ | 13,545 | ​ | $ | 2,522,432 | ​ | $ | 2,535,977
Commercial real estate | ​ |  | 17,903 | ​ |  | 5,123 | ​ |  | 4,313 | ​ |  | 27,339 | ​ |  | 1,731,045 | ​ |  | 1,758,384
One-to-four family - mixed-use property | ​ |  | 5,673 | ​ |  | 1,132 | ​ |  | 1,433 | ​ |  | 8,238 | ​ |  | 598,647 | ​ |  | 606,885
One-to-four family - residential | ​ |  | 3,087 | ​ |  | 805 | ​ |  | 5,313 | ​ |  | 9,205 | ​ |  | 243,486 | ​ |  | 252,691
Construction loans | ​ |  | 750 | ​ |  | — | ​ |  | — | ​ |  | 750 | ​ |  | 82,411 | ​ |  | 83,161
Small Business Administration | ​ |  | 1,823 | ​ |  | — | ​ |  | 1,168 | ​ |  | 2,991 | ​ |  | 162,579 | ​ |  | 165,570
Taxi medallion | ​ |  | — | ​ |  | — | ​ |  | 2,318 | ​ |  | 2,318 | ​ |  | 279 | ​ |  | 2,597
Commercial business and other | ​ |  | 129 | ​ |  | 1,273 | ​ |  | 1,593 | ​ |  | 2,995 | ​ |  | 1,296,414 | ​ |  | 1,299,409
Total | ​ | $ | 36,947 | ​ | $ | 11,519 | ​ | $ | 18,915 | ​ | $ | 67,381 | ​ | $ | 6,637,293 | ​ | $ | 6,704,674
Summary of activity in the allowance for loan losses | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2021
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 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 | ​ | $ | 6,557 | ​ | $ | 8,327 | ​ | $ | 1,986 | ​ | $ | 869 | ​ | $ | 497 | ​ | $ | 2,251 | ​ | $ | — | ​ | $ | 24,666 | ​ | $ | 45,153
Charge-off's | ​ |  | (43) | ​ |  | (64) | ​ |  | (29) | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | (2,758) | ​ |  | (28) | ​ |  | (2,922)
Recoveries | ​ |  | 10 | ​ |  | — | ​ |  | 10 | ​ |  | 5 | ​ |  | — | ​ |  | 10 | ​ |  | — | ​ |  | 22 | ​ |  | 57
Provision (benefit) | ​ |  | 620 | ​ |  | 93 | ​ |  | (94) | ​ |  | (164) | ​ |  | 253 | ​ |  | (134) | ​ |  | 2,758 | ​ |  | (521) | ​ |  | 2,811
Ending balance | ​ | $ | 7,144 | ​ | $ | 8,356 | ​ | $ | 1,873 | ​ | $ | 710 | ​ | $ | 750 | ​ | $ | 2,127 | ​ | $ | — | ​ | $ | 24,139 | ​ | $ | 45,099
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 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 | ​ | ​ | (651) | ​ |  | 1,170 | ​ |  | (55) | ​ |  | (159) | ​ |  | (279) | ​ |  | 1,180 | ​ |  | — | ​ |  | (827) | ​ | ​ | 379
Charge-off's | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (1,259) | ​ |  | (1,259)
Recoveries | ​ |  | 7 | ​ |  | — | ​ |  | 78 | ​ |  | 4 | ​ |  | — | ​ |  | 7 | ​ |  | — | ​ |  | 14 | ​ |  | 110
Provision (benefit) | ​ |  | 1,148 | ​ |  | 1,192 | ​ |  | 330 | ​ |  | 291 | ​ |  | 23 | ​ |  | (22) | ​ |  | — | ​ |  | 4,155 | ​ |  | 7,117
Ending balance | ​ | $ | 5,895 | ​ | $ | 6,791 | ​ | $ | 2,170 | ​ | $ | 892 | ​ | $ | 185 | ​ | $ | 1,528 | ​ | $ | — | ​ | $ | 10,637 | ​ | $ | 28,098
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 at March 31, 2021:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving Loans, | ​ | ​ | Lines of Credit | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized Cost | ​ | ​ | converted to | ​ | ​ | ​
(In thousands) | ​ | ​ | 2021 | ​ | ​ | 2020 | ​ | ​ | 2019 | ​ | ​ | 2018 | ​ | ​ | 2017 | ​ | ​ | Prior | ​ | ​ | Basis | ​ | ​ | term loans | ​ | ​ | Total
1-4 Family Residential | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 841 | ​ | $ | 32,075 | ​ | $ | 36,958 | ​ | $ | 33,729 | ​ | $ | 20,948 | ​ | $ | 77,700 | ​ | $ | 10,421 | ​ | $ | 15,298 | ​ | $ | 227,970
Watch | ​ | ​ | — | ​ | ​ | 483 | ​ | ​ | 722 | ​ | ​ | — | ​ | ​ | 3,569 | ​ | ​ | 1,575 | ​ | ​ | 1,249 | ​ | ​ | 2,369 | ​ | ​ | 9,967
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 989 | ​ | ​ | — | ​ | ​ | 371 | ​ | ​ | 1,360
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,831 | ​ | ​ | — | ​ | ​ | 4,285 | ​ | ​ | 175 | ​ | ​ | 1,417 | ​ | ​ | 7,708
Total 1-4 Family Residential | ​ | $ | 841 | ​ | $ | 32,558 | ​ | $ | 37,680 | ​ | $ | 35,560 | ​ | $ | 24,517 | ​ | $ | 84,549 | ​ | $ | 11,845 | ​ | $ | 19,455 | ​ | $ | 247,005
1-4 Family Mixed-Use | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 9,680 | ​ | $ | 36,229 | ​ | $ | 72,302 | ​ | $ | 75,961 | ​ | $ | 55,411 | ​ | $ | 322,422 | ​ | $ | — | ​ | $ | — | ​ | $ | 572,005
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,689 | ​ | ​ | 7,237 | ​ | ​ | 10,262 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 21,188
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 528 | ​ | ​ | — | ​ | ​ | 2,284 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,812
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,014 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,014
Total 1-4 Family Mixed Use | ​ | $ | 9,680 | ​ | $ | 36,229 | ​ | $ | 72,302 | ​ | $ | 80,178 | ​ | $ | 62,648 | ​ | $ | 337,982 | ​ | $ | — | ​ | $ | — | ​ | $ | 599,019
Commercial Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 19,502 | ​ | $ | 172,318 | ​ | $ | 259,301 | ​ | $ | 274,998 | ​ | $ | 191,249 | ​ | $ | 694,789 | ​ | $ | — | ​ | $ | — | ​ | $ | 1,612,157
Watch | ​ | ​ | 1,837 | ​ | ​ | 936 | ​ | ​ | 1,439 | ​ | ​ | 5,729 | ​ | ​ | 5,048 | ​ | ​ | 87,590 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 102,579
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,122 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,122
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,584 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 35 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,619
Total Commercial Real Estate | ​ | $ | 21,339 | ​ | $ | 173,254 | ​ | $ | 268,324 | ​ | $ | 280,727 | ​ | $ | 196,297 | ​ | $ | 783,536 | ​ | $ | — | ​ | $ | — | ​ | $ | 1,723,477
Construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 2,354 | ​ | $ | 20,510 | ​ | $ | 15,552 | ​ | $ | 2,823 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 41,239
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,115 | ​ | ​ | 7,299 | ​ | ​ | 5,956 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 14,370
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 859 | ​ | ​ | 2,584 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,443
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,381 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,381
Total Construction | ​ | $ | 2,354 | ​ | $ | 20,510 | ​ | $ | 16,667 | ​ | $ | 13,362 | ​ | $ | 8,540 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 61,433
Multifamily | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 91,859 | ​ | $ | 243,458 | ​ | $ | 341,802 | ​ | $ | 467,841 | ​ | $ | 364,625 | ​ | $ | 973,720 | ​ | $ | 5,105 | ​ | $ | — | ​ | $ | 2,488,410
Watch | ​ | ​ | — | ​ | ​ | 1,923 | ​ | ​ | 4,203 | ​ | ​ | 9,121 | ​ | ​ | 1,152 | ​ | ​ | 16,054 | ​ | ​ | 398 | ​ | ​ | — | ​ | ​ | 32,851
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 806 | ​ | ​ | 230 | ​ | ​ | 183 | ​ | ​ | — | ​ | ​ | 1,219
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 701 | ​ | ​ | 1,997 | ​ | ​ | 1,002 | ​ | ​ | 735 | ​ | ​ | 201 | ​ | ​ | — | ​ | ​ | 4,636
Total Multifamily | ​ | $ | 91,859 | ​ | $ | 245,381 | ​ | $ | 346,706 | ​ | $ | 478,959 | ​ | $ | 367,585 | ​ | $ | 990,739 | ​ | $ | 5,887 | ​ | $ | — | ​ | $ | 2,527,116
Commercial Business - Secured by RE | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 71,965 | ​ | $ | 108,227 | ​ | $ | 38,984 | ​ | $ | 52,512 | ​ | $ | 34,540 | ​ | $ | 103,314 | ​ | $ | — | ​ | $ | — | ​ | $ | 409,542
Watch | ​ | ​ | — | ​ | ​ | 23,655 | ​ | ​ | 51,079 | ​ | ​ | 18,563 | ​ | ​ | 13,129 | ​ | ​ | 47,474 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 153,900
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 607 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 607
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,226 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,226
Total Commercial Business - Secured by RE | ​ | $ | 71,965 | ​ | $ | 131,882 | ​ | $ | 90,670 | ​ | $ | 71,075 | ​ | $ | 47,669 | ​ | $ | 155,014 | ​ | $ | — | ​ | $ | — | ​ | $ | 568,275
Commercial Business | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 15,647 | ​ | $ | 91,117 | ​ | $ | 111,749 | ​ | $ | 93,011 | ​ | $ | 48,402 | ​ | $ | 75,988 | ​ | $ | 201,571 | ​ | $ | — | ​ | $ | 637,485
Watch | ​ | ​ | — | ​ | ​ | 500 | ​ | ​ | 22,509 | ​ | ​ | 25,308 | ​ | ​ | 20,383 | ​ | ​ | 4,171 | ​ | ​ | 25,733 | ​ | ​ | — | ​ | ​ | 98,604
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 285 | ​ | ​ | 2,742 | ​ | ​ | 74 | ​ | ​ | 2 | ​ | ​ | 236 | ​ | ​ | — | ​ | ​ | 3,339
Substandard | ​ | ​ | — | ​ | ​ | 4,893 | ​ | ​ | 686 | ​ | ​ | 8 | ​ | ​ | 6,193 | ​ | ​ | 3,794 | ​ | ​ | 1,008 | ​ | ​ | — | ​ | ​ | 16,582
Doubtful | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,236 | ​ | ​ | — | ​ | ​ | 1,236
Total Commercial Business | ​ | $ | 15,647 | ​ | $ | 96,510 | ​ | $ | 135,229 | ​ | $ | 121,069 | ​ | $ | 75,052 | ​ | $ | 83,955 | ​ | $ | 229,784 | ​ | $ | — | ​ | $ | 757,246
Small Business Administration | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 120,132 | ​ | $ | 127,810 | ​ | $ | 1,376 | ​ | $ | 1,574 | ​ | $ | 806 | ​ | $ | 2,649 | ​ | $ | — | ​ | $ | — | ​ | $ | 254,347
Watch | ​ | ​ | — | ​ | ​ | 288 | ​ | ​ | — | ​ | ​ | 2,592 | ​ | ​ | 1,947 | ​ | ​ | 1,242 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 6,069
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 49 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 49
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,168 | ​ | ​ | 6 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,174
Total Small Business Administration | ​ | $ | 120,132 | ​ | $ | 128,098 | ​ | $ | 1,376 | ​ | $ | 4,166 | ​ | $ | 3,921 | ​ | $ | 3,946 | ​ | $ | — | ​ | $ | — | ​ | $ | 261,639
Other | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 23 | ​ | $ | 83 | ​ | $ | — | ​ | $ | 106
Total Other | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 23 | ​ | $ | 83 | ​ | $ | — | ​ | $ | 106
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Loans | ​ | $ | 333,817 | ​ | $ | 864,422 | ​ | $ | 968,954 | ​ | $ | 1,085,096 | ​ | $ | 786,229 | ​ | $ | 2,439,744 | ​ | $ | 247,599 | ​ | $ | 19,455 | ​ | $ | 6,745,316
Summary of types of collateral-dependent loans by class of loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Collateral Type
​ | ​ | March 31, 2021 | ​ | December 31, 2020
(In thousands) | ​ | ​ | Real Estate | ​ | ​ | Business Assets | ​ | ​ | Real Estate | ​ | ​ | Business Assets
Multi-family residential | ​ | $ | 4,435 | ​ | $ | — | ​ | $ | 2,576 | ​ | $ | —
Commercial real estate | ​ | ​ | 1,254 | ​ | ​ | — | ​ | ​ | 2,994 | ​ | ​ | —
One-to-four family - mixed-use property | ​ | ​ | 2,753 | ​ | ​ | — | ​ | ​ | 1,706 | ​ | ​ | —
One-to-four family - residential | ​ | ​ | 6,789 | ​ | ​ | — | ​ | ​ | 5,313 | ​ | ​ | —
Small Business Administration | ​ | ​ | — | ​ | ​ | 1,168 | ​ | ​ | — | ​ | ​ | 1,168
Commercial business and other | ​ | ​ | — | ​ | ​ | 3,477 | ​ | ​ | — | ​ | ​ | 3,482
Taxi Medallion | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,758
Total | ​ | $ | 15,231 | ​ | $ | 4,645 | ​ | $ | 12,589 | ​ | $ | 7,408
Summary of allowance for off balance sheet | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the three months ended
​ | ​ | March 31,
​ |  | 2021 |  | 2020
​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 1,815 | ​ | $ | —
Off-Balance Sheet - CECL Adoption | ​ |  | — | ​ |  | 553
Off-Balance Sheet- Provision (benefit) | ​ | ​ | (511) | ​ | ​ | 244
Allowance for Off-Balance Sheet - Credit losses (1) | ​ | $ | 1,304 | ​ | $ | 797
​
| (1) | Included the “Other liabilities” on the Consolidated Statements of Financial Condition.
Nonperforming Financial Instruments [Member] |
Notes Tables |
Schedule of recorded investment for loans classified as TDR at amortized cost | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2021 | ​ | December 31, 2020
​ | ​ | Number | ​ | Amortized | ​ | Number | ​ | Amortized
(Dollars in thousands) |  | of contracts |  | Cost |  | of contracts |  | Cost
Taxi medallion (1) |  | — | ​ | $ | — |  | 11 | ​ | $ | 1,922
Commercial business and other |  | 1 | ​ |  | 279 |  | 1 | ​ |  | 279
Total troubled debt restructurings that subsequently defaulted |  | 1 | ​ | $ | 279 |  | 12 | ​ | $ | 2,201
| (1) | These loans were completely charged off during the three months ended March 31, 2021.
Performing According to Restructured Terms [Member] |
Notes Tables |
Schedule of recorded investment for loans classified as TDR at amortized cost | The following table shows loans classified as TDR at amortized cost that are performing according to their restructured terms at the periods indicated: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2021 | ​ | December 31, 2020
​ | ​ | Number | ​ | Amortized | ​ | Number | ​ | Amortized
(Dollars in thousands) |  | of contracts |  | Cost |  | of contracts |  | Cost
Multi-family residential |  | 6 | ​ | $ | 1,686 |  | 6 | ​ | $ | 1,700
Commercial real estate | ​ | 1 | ​ | ​ | 7,584 | ​ | 1 | ​ |  | 7,702
One-to-four family - mixed-use property (1) |  | 5 | ​ |  | 1,720 |  | 5 | ​ |  | 1,731
One-to-four family - residential |  | 3 | ​ |  | 501 |  | 3 | ​ |  | 507
Taxi medallion (2) |  | — | ​ | ​ | — |  | 2 | ​ | ​ | 440
Commercial business and other (1) |  | 8 | ​ |  | 3,787 |  | 8 | ​ |  | 3,831
Total performing troubled debt restructured |  | 23 | ​ | $ | 15,278 |  | 25 | ​ | $ | 15,911
| (1) | These loans in the table above continue to pay as agreed, however the Company records interest received on a cash basis.
| (2) | These loans were completely charged off during the three months ended March 31, 2021.
​

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