Schedule of loans modifications made to borrowers


	For the three and nine months ended September 30, 2025
(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 business and other	1	$	2,155	0.2	%	Provided payment deferral through April 2026 to be collected at maturity (October 2027)
Total	1	$	2,155

	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 through April 2026 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, 2025
(Dollars in thousands)	Rate Reduction 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	$	8,400	0.4	%	Borrower to make interest only payments to December 2026 (18 months) and rate reduced to 6.00% from 7.22%
Total	1	$	8,400

	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 the interest rate to zero percent
Total	1	$	378

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, 2025
(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 recognized		Loans ninety days or more past due and still accruing
Multi-family residential	$	11,707	$	14,531	$	9,952	$	53	$	—
Commercial real estate		6,376		22,011		5,101		20		—
One-to-four family - mixed-use property		117		—		—		6		—
One-to-four family - residential		812		750		750		3		—
Small Business Administration		2,531		558		558		366		—
Commercial business and other		12,454		8,841		4,272		145		—
Total	$	33,997	$	46,691	$	20,633	$	593	$	—


	At or for the year ended December 31, 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 recognized		Loans ninety days or more past due and still accruing
Multi-family residential	$	3,640	$	11,707	$	6,476	$	5	$	—
Commercial real estate		—		6,376		6,376		—		—
One-to-four family - mixed-use property		1,005		117		117		1		—
One-to-four family - residential		4,670		812		812		2		—
Small Business Administration		2,576		2,531		2,531		—		—
Commercial business and other		11,768		12,454		6,046		3		—
Total	$	23,659	$	33,997	$	22,358	$	11	$	—

Summary of aging analysis of amortized cost basis of loans


	At September 30, 2025
(In thousands)	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans ⁽¹⁾
Multi-family residential	$	4,505	$	—	$	14,531	$	19,036	$	2,429,150	$	2,448,186
Commercial real estate		1,479		—		22,011		23,490		1,938,343		1,961,833
One-to-four family - mixed-use property		948		—		—		948		484,418		485,366
One-to-four family - residential		1,339		113		750		2,202		334,303		336,505
Construction		—		—		—		—		51,527		51,527
Small Business Administration		172		—		558		730		10,826		11,556
Commercial business and other		2,132		1,708		7,134		10,974		1,362,965		1,373,939
Total	$	10,575	$	1,821	$	44,984	$	57,380	$	6,611,532	$	6,668,912

(1) The table above excludes the unallocated portfolio layer basis adjustments totaling $1.4 million related to loans hedged in a closed pool. See Note 11 (“Derivative Financial Instruments”) of the Notes to the Consolidated Financial Statements.


	At December 31, 2024
(In thousands)	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans ⁽¹⁾
Multi-family residential	$	12,596	$	9,255	$	11,707	$	33,558	$	2,498,055	$	2,531,613
Commercial real estate		4,846		—		6,376		11,222		1,963,400		1,974,622
One-to-four family - mixed-use property		870		1,234		117		2,221		511,717		513,938
One-to-four family - residential		802		65		812		1,679		242,914		244,593
Construction		—		—		—		—		60,114		60,114
Small Business Administration		—		—		2,531		2,531		17,664		20,195
Commercial business and other		409		2,239		12,432		15,080		1,387,718		1,402,798
Total	$	19,523	$	12,793	$	33,975	$	66,291	$	6,681,582	$	6,747,873

(1) The table above excludes the unallocated portfolio layer basis adjustments totaling ($2.0) million related to loans hedged in a closed pool. See Note 11 (“Derivative Financial Instruments”) of the Notes to the Consolidated Financial Statements.

Summary of risk category of mortgage and non-mortgage loans by loan portfolio segments and class of loans by year of origination


	September 30, 2025
														Revolving Loans		Revolving Loans
														Amortized Cost		converted to
(In thousands)		2025		2024		2023		2022		2021		Prior		Basis		term loans		Total
Multi-family Residential
Pass	$	54,086	$	114,940	$	227,745	$	404,123	$	265,416	$	1,328,924	$	3,219	$	—	$	2,398,453
Watch		—		927		897		3,742		2,505		25,515		—		—		33,586
Special Mention		—		—		—		—		—		810		—		—		810
Substandard		—		—		—		812		—		14,525		—		—		15,337
Total Multi-family Residential	$	54,086	$	115,867	$	228,642	$	408,677	$	267,921	$	1,369,774	$	3,219	$	—	$	2,448,186
Gross charge-offs	$	—	$	—	$	—	$	1,681	$	—	$	420	$	—	$	—	$	2,101
Commercial Real Estate
Pass	$	142,137	$	191,071	$	189,208	$	297,745	$	135,897	$	900,702	$	—	$	—	$	1,856,760
Watch		—		1,983		3,987		422		7,405		60,865		—		—		74,662
Special Mention		8,400		—		—		—		—		—		—		—		8,400
Substandard		—		—		—		—		—		22,011		—		—		22,011
Total Commercial Real Estate	$	150,537	$	193,054	$	193,195	$	298,167	$	143,302	$	983,578	$	—	$	—	$	1,961,833
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	1,347	$	—	$	—	$	1,347
1-4 Family Mixed-Use Property
Pass	$	9,196	$	17,605	$	21,750	$	43,910	$	37,581	$	347,762	$	—	$	—	$	477,804
Watch		—		—		—		—		—		6,030		—		—		6,030
Special Mention		—		—		—		—		—		1,193		—		—		1,193
Substandard		—		—		—		—		—		339		—		—		339
Total 1-4 Family Mixed-Use Property	$	9,196	$	17,605	$	21,750	$	43,910	$	37,581	$	355,324	$	—	$	—	$	485,366
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	20	$	—	$	—	$	20
1-4 Family Residential
Pass	$	2,022	$	17,055	$	111,596	$	54,252	$	5,776	$	126,245	$	5,327	$	7,660	$	329,933
Watch		—		—		—		488		—		2,062		—		1,509		4,059
Special Mention		—		—		—		—		—		1,706		—		58		1,764
Substandard		—		—		—		—		—		247		—		502		749
Total 1-4 Family Residential	$	2,022	$	17,055	$	111,596	$	54,740	$	5,776	$	130,260	$	5,327	$	9,729	$	336,505
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	5	$	—	$	—	$	5
Construction
Pass	$	1,633	$	—	$	—	$	—	$	—	$	—	$	31,644	$	—	$	33,277
Watch		—		—		—		—		18,250		—		—		—		18,250
Special Mention		—		—		—		—		—		—		—		—		—
Total Construction	$	1,633	$	—	$	—	$	—	$	18,250	$	—	$	31,644	$	—	$	51,527
Small Business Administration
Pass	$	1,331	$	1,641	$	1,136	$	3,154	$	931	$	2,240	$	—	$	—	$	10,433
Watch		—		—		—		—		—		196		—		—		196
Special Mention		—		—		—		—		—		27		—		—		27
Substandard		—		—		—		—		1		899		—		—		900
Total Small Business Administration	$	1,331	$	1,641	$	1,136	$	3,154	$	932	$	3,362	$	—	$	—	$	11,556
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	279	$	—	$	—	$	279
Commercial Business
Pass	$	71,720	$	73,875	$	74,852	$	61,012	$	20,797	$	82,540	$	172,861	$	—	$	557,657
Watch		75		3,048		—		—		2,456		6,918		3,568		—		16,065
Special Mention		—		—		—		—		1,545		8		—		—		1,553
Substandard		—		660		317		2,155		—		77		13,334		—		16,543
Doubtful		—		—		—		—		—		1,708		—		—		1,708
Total Commercial Business	$	71,795	$	77,583	$	75,169	$	63,167	$	24,798	$	91,251	$	189,763	$	—	$	593,526
Gross charge-offs	$	—	$	—	$	871	$	2,621	$	—	$	1,952	$	95	$	—	$	5,539
Commercial Business - Secured by RE
Pass	$	67,469	$	68,182	$	55,257	$	163,746	$	106,252	$	281,422	$	—	$	—	$	742,328
Watch		—		8,578		—		—		8,415		18,161		—		—		35,154
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		2,800		—		—		2,800
Total Commercial Business - Secured by RE	$	67,469	$	76,760	$	55,257	$	163,746	$	114,667	$	302,383	$	—	$	—	$	780,282
Other
Pass	$	—	$	—	$	—	$	—	$	—	$	54	$	77	$	—	$	131
Total Other	$	—	$	—	$	—	$	—	$	—	$	54	$	77	$	—	$	131
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	61	$	—	$	—	$	61
Total by Loan Type
Total Pass	$	349,594	$	484,369	$	681,544	$	1,027,942	$	572,650	$	3,069,889	$	213,128	$	7,660	$	6,406,776
Total Watch		75		14,536		4,884		4,652		39,031		119,747		3,568		1,509		188,002
Total Special Mention		8,400		—		—		—		1,545		3,744		—		58		13,747
Total Substandard		—		660		317		2,967		1		40,898		13,334		502		58,679
Total Doubtful		—		—		—		—		—		1,708		—		—		1,708
Total Loans ⁽¹⁾	$	358,069	$	499,565	$	686,745	$	1,035,561	$	613,227	$	3,235,986	$	230,030	$	9,729	$	6,668,912
Total Gross charge-offs	$	—	$	—	$	871	$	4,302	$	—	$	4,084	$	95	$	—	$	9,352

⁽¹⁾The table above excludes the unallocated portfolio layer basis adjustments totaling $1.4 million related to loans hedged in a closed pool at September 30, 2025. See Note 11 (“Derivative Financial Instruments”) of the Notes to the Consolidated Financial Statements.


	December 31, 2024
														Revolving Loans		Revolving Loans
														Amortized Cost		converted to
(In thousands)		2024		2023		2022		2021		2020		Prior		Basis		term loans		Total
Multi-family Residential
Pass	$	116,814	$	248,004	$	375,084	$	272,747	$	195,539	$	1,250,368	$	5,369	$	—	$	2,463,925
Watch		—		—		7,587		—		2,724		31,665		—		—		41,976
Special Mention		—		—		10,163		—		—		2,388		—		—		12,551
Substandard		—		—		—		704		2,811		9,646		—		—		13,161
Total Multi-family Residential	$	116,814	$	248,004	$	392,834	$	273,451	$	201,074	$	1,294,067	$	5,369	$	—	$	2,531,613
Commercial Real Estate
Pass	$	199,396	$	197,228	$	310,725	$	144,569	$	122,576	$	924,520	$	—	$	—	$	1,899,014
Watch		—		—		430		4,023		6,660		58,119		—		—		69,232
Substandard		—		—		—		—		—		6,376		—		—		6,376
Total Commercial Real Estate	$	199,396	$	197,228	$	311,155	$	148,592	$	129,236	$	989,015	$	—	$	—	$	1,974,622
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	421	$	—	$	—	$	421
1-4 Family Mixed-Use Property
Pass	$	17,759	$	23,552	$	45,487	$	40,515	$	27,448	$	352,004	$	—	$	—	$	506,765
Watch		—		—		—		—		—		5,338		—		—		5,338
Special Mention		—		—		—		—		445		1,273		—		—		1,718
Substandard		—		—		—		—		—		117		—		—		117
Total 1-4 Family Mixed-Use Property	$	17,759	$	23,552	$	45,487	$	40,515	$	27,893	$	358,732	$	—	$	—	$	513,938
1-4 Family Residential
Pass	$	2,136	$	53,556	$	22,382	$	7,117	$	16,039	$	121,653	$	6,256	$	8,588	$	237,727
Watch		—		—		496		254		—		2,769		113		1,265		4,897
Special Mention		—		—		—		—		—		838		—		215		1,053
Substandard		—		—		—		—		—		477		—		439		916
Total 1-4 Family Residential	$	2,136	$	53,556	$	22,878	$	7,371	$	16,039	$	125,737	$	6,369	$	10,507	$	244,593
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	14	$	—	$	—	$	14
Construction
Pass	$	—	$	51	$	2	$	18,215	$	—	$	—	$	39,230	$	—	$	57,498
Watch		—		—		—		—		—		—		—		—		—
Special Mention		—		2,616		—		—		—		—		—		—		2,616
Total Construction	$	—	$	2,667	$	2	$	18,215	$	—	$	—	$	39,230	$	—	$	60,114
Small Business Administration
Pass	$	7,356	$	1,906	$	3,211	$	1,092	$	1,672	$	1,123	$	—	$	—	$	16,360
Watch		—		—		—		—		—		774		—		—		774
Special Mention		—		—		—		—		—		325		—		—		325
Substandard		—		—		—		1,691		—		1,045		—		—		2,736
Total Small Business Administration	$	7,356	$	1,906	$	3,211	$	2,783	$	1,672	$	3,267	$	—	$	—	$	20,195
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	7	$	—	$	—	$	7
Commercial Business
Pass	$	109,139	$	92,916	$	71,479	$	29,665	$	17,744	$	99,620	$	208,419	$	—	$	628,982
Watch		166		4,850		—		1,630		4,310		1,720		1,500		—		14,176
Special Mention		—		—		—		—		—		16		—		—		16
Substandard		716		429		4,891		—		—		3,119		3,856		—		13,011
Doubtful		—		462		—		—		—		—		570		—		1,032
Total Commercial Business	$	110,021	$	98,657	$	76,370	$	31,295	$	22,054	$	104,475	$	214,345	$	—	$	657,217
Gross charge-offs	$	—	$	—	$	—	$	4,121	$	—	$	266	$	3,083	$	—	$	7,470
Commercial Business - Secured by RE
Pass	$	68,613	$	45,976	$	169,904	$	125,523	$	99,794	$	203,839	$	673	$	—	$	714,322
Watch		8,671		—		—		—		3,721		396		—		—		12,788
Special Mention		—		—		—		—		—		14,418		—		—		14,418
Substandard		—		—		—		—		—		3,884		—		—		3,884
Total Commercial Business - Secured by RE	$	77,284	$	45,976	$	169,904	$	125,523	$	103,515	$	222,537	$	673	$	—	$	745,412
Other
Pass	$	—	$	—	$	—	$	—	$	—	$	85	$	84	$	—	$	169
Total Other	$	—	$	—	$	—	$	—	$	—	$	85	$	84	$	—	$	169
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	57	$	—	$	—	$	57
Total by Loan Type
Total Pass	$	521,213	$	663,189	$	998,274	$	639,443	$	480,812	$	2,953,212	$	260,031	$	8,588	$	6,524,762
Total Watch		8,837		4,850		8,513		5,907		17,415		100,781		1,613		1,265		149,181
Total Special Mention		—		2,616		10,163		—		445		19,258		—		215		32,697
Total Substandard		716		429		4,891		2,395		2,811		24,664		3,856		439		40,201
Total Doubtful		—		462		—		—		—		—		570		—		1,032
Total Loans ⁽¹⁾	$	530,766	$	671,546	$	1,021,841	$	647,745	$	501,483	$	3,097,915	$	266,070	$	10,507	$	6,747,873
Total Gross charge-offs	$	—	$	—	$	—	$	4,121	$	—	$	765	$	3,083	$	—	$	7,969

⁽¹⁾ The table above excludes the unallocated portfolio layer basis adjustments totaling ($2.0) million related to loans hedged in a closed pool at December 31, 2024. See Note 11 (“Derivative Financial Instruments”) of the Notes to the Consolidated Financial Statements.

Summary of allowance for off balance sheet


	For the three months ended				For the nine months ended
	September 30,				September 30,
(In thousands)		2025		2024		2025		2024
Balance at beginning of period	$	976		1,002	$	1,037		1,102
Provision (benefit) ⁽¹⁾		61		56		—		(44)
Allowance for off-balance sheet - credit losses ⁽²⁾	$	1,037	$	1,058	$	1,037	$	1,058

(1) Included in “Other operating expenses” on the Consolidated Statements of Operations.

(2) Included in “Other liabilities” on the Consolidated Statements of Financial Condition.