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Concentration of Credit Risk | 12 Months Ended
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Dec. 31, 2024
Notes to Financial Statements. |
Concentration of Credit Risk | 17. Concentration of Credit Risk The Company’s lending is concentrated in the New York City metropolitan area. The Company evaluates each customer’s creditworthiness on a case-by-case basis under the Company’s established underwriting policies. The collateral obtained by the Company generally consists of first liens on one-to-four family residential, multi-family residential, and commercial real estate. The largest amount the Bank could lend to one borrower was approximately $127.1 million and $123.8 million at December 31, 2024 and 2023, respectively. The Bank’s largest aggregate amount of outstanding loans to one borrower was $93.0 million, and $103.2 million at December 31, 2024 and 2023, respectively, all of which were performing according to their terms.

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- Definition The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 275 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org/275/tableOfContent + Details
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