Notes Tables

Schedule of loans modifications made to borrowers


	For the three and nine months ended September 30, 2024
(Dollars in thousands)	Other-than-insignificant Payment Delay
Loan Modifications Made to Borrowers Experiencing Financial Difficulty	Number		Amortized Cost Basis	% of Total Class of Financing Receivable		Financial Effect
Commercial real estate	1	$	29,890	1.5	%	Provided payment deferral to be collected at maturity (January 2027)
Total	1	$	29,890


	For the three and nine months ended September 30, 2024
(Dollars in thousands)	Term Extension and Other-than-insignificant Payment Delay
Loan Modifications Made to Borrowers Experiencing Financial Difficulty	Number		Amortized Cost Basis	% of Total Class of Financing Receivable		Financial Effect
Commercial real estate	1	$	2,793	0.1	%	Extended Maturity to January 2027 (32 months) and provided payment deferral to be collected at maturity
Total	1	$	2,793


	For the nine months ended September 30, 2024
(Dollars in thousands)	Term Extension and Reduced Interest Rate
Loan Modifications Made to Borrowers Experiencing Financial Difficulty	Number		Amortized Cost Basis	% of Total Class of Financing Receivable		Financial Effect
Commercial business and other	1	$	378	—	%	Extended Maturity to August 2026 (3 months) and reduced rate to zero percent
Total	1	$	378


	For the three and nine months ended September 30, 2023
(Dollars in thousands)	Term Extension
Loan Modifications Made to Borrowers Experiencing Financial Difficulty	Number		Amortized Cost Basis	% of Total Class of Financing Receivable		Financial Effect
Commercial business and other	3	$	1,638	0.1	%	Extended Maturity to June 2025 (20 months)
Total	3	$	1,638


	For the nine months ended September 30, 2023
(Dollars in thousands)	Other-than-insignificant Payment Delay
Loan Modifications Made to Borrowers Experiencing Financial Difficulty	Number		Amortized Cost Basis	% of Total Class of Financing Receivable		Financial Effect
Small Business Administration	1	$	1,494	6.8	%	Provided twelve months payment deferral to be collected at maturity
Total	1	$	1,494

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 September 30, 2024
(In thousands)		Non-accrual amortized cost beginning of the reporting period		Non-accrual amortized cost end of the reporting period		Non-accrual with no related allowance		Interest income (loss) recognized		Loans ninety days or more past due and still accruing
Multi-family residential	$	3,640	$	10,047	$	10,047	$	5	$	—
Commercial real estate		—		6,722		6,722		—		—
One-to-four family - mixed-use property		1,005		371		371		1		—
One-to-four family - residential		4,670		889		889		2		—
Small Business Administration		2,576		2,532		2,532		—		—
Commercial business and other		11,768		14,148		8,230		2		—
Total	$	23,659	$	34,709	$	28,791	$	10	$	—


	At or for the year ended December 31, 2023
(In thousands)		Non-accrual amortized cost beginning of the reporting period		Non-accrual amortized cost end of the reporting period		Non-accrual with no related allowance		Interest income (loss) recognized		Loans ninety days or more past due and still accruing
Multi-family residential	$	3,547	$	3,640	$	3,640	$	2	$	1,463
Commercial real estate		254		—		—		—		—
One-to-four family - mixed-use property		1,045		1,005		1,005		3		—
One-to-four family - residential		3,953		4,670		4,670		3		—
Small Business Administration		950		2,576		2,576		—		—
Commercial business and other		20,193		11,768		3,242		17		—
Total	$	29,942	$	23,659	$	15,133	$	25	$	1,463

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,
	2024		2023		2024		2023
(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms	$	900	$	425	$	2,246	$	1,405
Less: Interest income included in the results of operations		(5)		(2)		(10)		(20)
Total foregone interest	$	895	$	423	$	2,236	$	1,385

Summary of activity in the allowance for loan losses


	September 30, 2024
					One-to-four		One-to-four						Commercial
	Multi-family		Commercial		family - mixed-		family -		Construction		Small Business		business and
(In thousands)	residential		real estate		use property		residential		loans		Administration		other		Total
Beginning balance	$	10,829	$	9,043	$	1,577	$	796	$	766	$	1,126	$	17,511	$	41,648
Charge-offs		—		—		—		—		—		(7)		(3,103)		(3,110)
Recoveries		—		—		—		58		—		8		8		74
Provision (benefit)		457		90		(46)		(46)		(130)		302		1,103		1,730
Ending balance	$	11,286	$	9,133	$	1,531	$	808	$	636	$	1,429	$	15,519	$	40,342


	September 30, 2023
					One-to-four		One-to-four						Commercial
	Multi-family		Commercial		family - mixed-		family -		Construction		Small Business		business and
(In thousands)	residential		real estate		use property		residential		loans		Administration		other		Total
Beginning balance	$	9,718	$	8,206	$	1,615	$	654	$	132	$	2,162	$	16,106	$	38,593
Charge-offs		—		—		—		—		—		—		(21)		(21)
Recoveries		—		—		—		6		—		48		9		63
Provision (benefit)		917		562		10		57		32		(194)		(791)		593
Ending balance	$	10,635	$	8,768	$	1,625	$	717	$	164	$	2,016	$	15,303	$	39,228


	September 30, 2024
					One-to-four		One-to-four						Commercial
	Multi-family		Commercial		family - mixed-		family -		Construction		Small Business		business and
(In thousands)	residential		real estate		use property		residential		loans		Administration		other		Total
Beginning balance	$	10,373	$	8,665	$	1,610	$	668	$	158	$	1,626	$	17,061	$	40,161
Charge-offs		—		—		—		(14)		—		(7)		(3,158)		(3,179)
Recoveries		1		—		2		61		—		104		63		231
Provision (benefit)		912		468		(81)		93		478		(294)		1,553		3,129
Ending balance	$	11,286	$	9,133	$	1,531	$	808	$	636	$	1,429	$	15,519	$	40,342


	September 30, 2023
					One-to-four		One-to-four						Commercial
	Multi-family		Commercial		family - mixed-		family -		Construction		Small Business		business and
(In thousands)	residential		real estate		use property		residential		loans		Administration		other		Total
Beginning balance	$	9,552	$	8,184	$	1,875	$	901	$	261	$	2,198	$	17,471	$	40,442
Charge-offs		—		(8)		—		(12)		—		(7)		(11,023)		(11,050)
Recoveries		1		—		—		50		—		219		28		298
Provision (benefit)		1,082		592		(250)		(222)		(97)		(394)		8,827		9,538
Ending balance	$	10,635	$	8,768	$	1,625	$	717	$	164	$	2,016	$	15,303	$	39,228

Summary of types of collateral-dependent loans by class of loans



	Collateral Type
	September 30, 2024				December 31, 2023
(In thousands)		Real Estate		Business Assets		Real Estate		Business Assets
Multi-family residential	$	10,047	$	—	$	3,640	$	—
Commercial real estate		6,722		—		—		—
One-to-four family - mixed-use property		371		—		1,005		—
One-to-four family - residential		889		—		4,670		—
Small Business Administration		—		2,532		—		2,576
Commercial business and other		3,884		10,264		—		11,768
Total	$	21,913	$	12,796	$	9,315	$	14,344