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Loans held for sale | 9 Months Ended
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Sep. 30, 2025
Loans held for sale |
Loans held for sale | 6. Loans held for sale Loans held for sale are carried at the lower of cost or estimated fair value. At September 30, 2025, the Company did not have any loans designated as held for sale. At December 31, 2024, the Company had $70.1 million in performing multi-family loans held for sale. The Company has implemented a strategy of selling certain delinquent and non-performing loans. Once the Company has decided to sell a loan, the sale usually closes in a short period of time, generally within the same quarter. Loans designated held for sale are reclassified from loans held for investment to loans held for sale. Terms of sale generally includes cash due upon the closing of the sale, no contingencies or recourse to the Company and servicing is released to the buyer. The following tables show loans sold during the periods indicated: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the three months ended September 30, 2025
(Dollars in thousands) |  | Loans sold |  | Proceeds |  | Net charge-offs |  | Net gain
Performing loans |  | ​
Small Business Administration | ​ | 2 | ​ | $ | 1,820 | ​ | $ | — | ​ | $ | 270
Total |  | 2 | ​ | $ | 1,820 | ​ | $ | — | ​ | $ | 270
Delinquent and non-performing loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Multi-family residential |  | 5 | ​ | $ | 3,425 | ​ | $ | — | ​ | $ | 48
One-to-four family - mixed-use property |  | 3 | ​ | ​ | 1,371 | ​ | ​ | (20) | ​ | ​ | —
Total |  | 8 | ​ | $ | 4,796 | ​ | $ | (20) | ​ | $ | 48
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the three months ended September 30, 2024
(Dollars in thousands) |  | Loans sold |  | Proceeds |  | Net charge-offs |  | Net gain
Performing loans |  | ​
Multi-family residential |  | 1 | ​ | $ | 2,446 | ​ | $ | — | ​ | $ | —
Commercial |  | 1 | ​ | ​ | 5,875 | ​ | ​ | — | ​ | ​ | —
Total |  | 2 | ​ | $ | 8,321 | ​ | $ | — | ​ | $ | —
Delinquent and non-performing loans |  |  | ​ |  |  | ​ |  |  | ​ |  |
Multi-family residential | ​ | 1 | ​ | S | 989 | ​ | $ | — | ​ | $ | —
Commercial |  | 1 | ​ | ​ | 2,827 | ​ | ​ | — | ​ | ​ | —
One-to-four family - mixed-use property |  | 1 | ​ | ​ | 900 | ​ | ​ | — | ​ | ​ | 113
One-to-four family - residential |  | 1 | ​ | ​ | 1,223 | ​ | ​ | — | ​ | ​ | 24
Total |  | 4 | ​ | $ | 5,939 | ​ | $ | — | ​ | $ | 137
​ ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the nine months ended September 30, 2025
(Dollars in thousands) |  | Loans sold |  | Proceeds |  | Net charge-offs |  | Net gain (1)
Performing loans |  | ​
Multi-family residential |  | 12 | ​ | $ | 33,721 | ​ | $ | — | ​ | $ | —
Commercial |  | 1 | ​ | ​ | 3,120 | ​ | ​ | — | ​ | ​ | —
Small Business Administration | ​ | 8 | ​ | ​ | 8,648 | ​ | ​ | — | ​ | ​ | 802
Total |  | 21 | ​ | $ | 45,489 | ​ | $ | — | ​ | $ | 802
Delinquent and non-performing loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Multi-family residential |  | 10 | ​ | $ | 16,869 | ​ | $ | (1,681) | ​ | $ | 250
Commercial |  | 1 | ​ | ​ | 5,098 | ​ | ​ | — | ​ | ​ | 238
One-to-four family - mixed-use property |  | 4 | ​ | ​ | 1,508 | ​ | ​ | (20) | ​ | ​ | 19
Total |  | 15 | ​ | $ | 23,475 | ​ | $ | (1,701) | ​ | $ | 507
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the nine months ended September 30, 2024
(Dollars in thousands) |  | Loans sold |  | Proceeds |  | Net charge-offs |  | Net gain
Performing loans |  |  | ​ |  |  | ​ |  |  | ​ |  |
Multi-family residential |  | 1 | ​ | $ | 2,446 | ​ | $ | — | ​ | $ | —
Commercial |  | 1 | ​ | ​ | 5,875 | ​ | ​ | — | ​ | ​ | —
Total |  | 2 | ​ | $ | 8,321 | ​ | $ | — | ​ | $ | —
Delinquent and non-performing loans |  | ​
Multi-family residential | ​ | 5 | ​ | S | 2,973 | ​ | $ | — | ​ | $ | 55
Commercial |  | 3 | ​ | ​ | 3,797 | ​ | ​ | — | ​ | ​ | —
One-to-four family - mixed-use property |  | 6 | ​ | ​ | 2,446 | ​ | ​ | — | ​ | ​ | 194
One-to-four family - residential |  | 1 | ​ | ​ | 1,223 | ​ | ​ | — | ​ | ​ | 24
Total |  | 15 | ​ | $ | 10,439 | ​ | $ | — | ​ | $ | 273
(1) Does not include $2.6 million net gain on sale recorded from the reversal of a previously recorded valuation allowance upon the transfer of $32.1 million of loans held for sale to loans held for investment and $0.2 million net loss on sale recorded to write-down performing mortgage loans to their anticipated sales price.

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