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Loans and Leases | 3 Months Ended
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Mar. 31, 2025
Receivables [Abstract] |
Loans and Leases | Loans and Leases The Company classifies loans that we have the intent and ability to hold for the foreseeable future or until maturity as loans held for investment. We report loans held for investment at their amortized cost, which includes the outstanding principal balance adjusted for any unamortized premiums, discounts, deferred fees or fair value adjustments for acquired loans:
| March 31, 2025 |  | December 31, 2024
| Amount | Percent of Loans Held for Investment |  | Amount | Percent of Loans Held for Investment
Loans and Leases Held for Investment: |  |  |  |  |
Multi-family | $ | 33,437 |  | 50.2 | % |  | $ | 34,093 |  | 49.9 | %
Commercial real estate(1) | 11,510 |  | 17.3 | % |  | 11,836 |  | 17.4 | %
One-to-four family first mortgage | 5,187 |  | 7.8 | % |  | 5,201 |  | 7.6 | %
Commercial and industrial | 12,685 |  | 19.1 | % |  | 13,260 |  | 19.4 | %
Lease financing, net of unearned income of $162 and $258, respectively | 2,057 |  | 3.0 | % |  | 2,116 |  | 3.1 | %
Other | 1,716 |  | 2.6 | % |  | 1,766 |  | 2.6 | %
Total loans and leases held for investment (2) | $ | 66,592 |  | 100.0 | % |  | $ | 68,272 |  | 100.0 | %
Allowance for credit losses on loans and leases | (1,168) |  |  |  | (1,201) |  |
Total loans and leases held for investment, net | $ | 65,424 |  |  |  | $ | 67,071 |  |
Loans held for sale, at fair value | 531 |  |  |  | 899 |  |
Total loans and leases, net | $ | 65,955 |  |  |  | $ | 67,970 |  |
(1)Includes Acquisition, Development, and Construction loans. (2)Excludes accrued interest receivable of $264 million and $277 million at March 31, 2025 and December 31, 2024, respectively, which is included in Other assets in the Condensed Consolidated Statements of Condition. Loans with Government Guarantees Substantially all loans with government guarantees are insured or guaranteed by the Federal Housing Administration or the U.S. Department of Veterans Affairs. Nonperforming repurchased loans in this portfolio earn interest at a rate based upon the 10-year U.S. Treasury note rate from the time the underlying loan becomes 60 days delinquent until the loan is conveyed to HUD (if foreclosure timelines are met), which is not paid by the Federal Housing Administration until claimed. Certain loans within our portfolio may be subject to indemnifications and insurance limits which expose us to limited credit risk. The Bank also has a unilateral option to repurchase loans sold and serviced for the Government National Mortgage Association if the loan is due, but unpaid, for three consecutive months (typically referred to as 90 days past due) and can recover losses through a claims process from the guarantor. These loans are recorded in loans held for investment and the liability to repurchase the loans is recorded in Other liabilities on the Condensed Consolidated Statements of Condition. As of March 31, 2025 and December 31, 2024, loans with government guarantees totaled $373 million and $360 million. Loans Held for Sale We classify loans as held for sale when we originate or purchase loans that we intend to sell or when we change our intent about holding for investment. Mortgage loans held for sale for which we have elected the fair value option are carried at fair value. Loans originally classified as held for investment for which we had changed our intent and are now classified as held for sale are carried at the lower of amortized cost or market. We estimate the fair value of mortgage loans based on quoted market prices for securities backed by similar types of loans, where available, or by discounting estimated cash flows using observable inputs inclusive of interest rates, prepayment speeds and loss assumptions for similar collateral. A loan generally is classified as a non-accrual loan when it is 90 days or more past due or when it is deemed to be impaired because the Company no longer expects to collect all amounts due (principal and interest) according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, we cease recording interest income, and any previously accrued and uncollected interest is reversed against interest income. Interest received on non-accrual loans is recorded as a reduction to the the principal outstanding. A loan is only returned to accrual status when the loan is current (typically a minimum of six months of payment performance) and we have reasonable assurance that the loan will be fully collectible. When we have reasonable assurance that the loan will be fully collectible, then interest payments may be recognized in interest income on a cash basis. As of March 31, 2025 and December 31, 2024 there was no interest income recognized on non-accrual loans classified as held for sale. At March 31, 2025 and December 31, 2024 we had no loans that were 90 days or more past due and still accruing interest. The following table is a summary of non-accrual loans held for sale:
|  | March 31, 2025 |  | December 31, 2024
Non-accrual loans held for sale: |  |  |  |
Multi-family |  | $ | — |  |  | $ | 51 |
Commercial real estate(1) |  | — |  |  | 215 |
One-to-four family first mortgage |  | 3 |  |  | 57 |
Commercial and industrial |  | 18 |  |  | — |
Total non-accrual loans held for sale |  | $ | 21 |  |  | $ | 323 |
(1)Includes Acquisition, Development, and Construction loans. Asset Quality Asset quality information excludes loans with repurchased government guarantees that are insured by U.S. government agencies. The following table presents information regarding the delinquency status of the Company’s loans held for investment at March 31, 2025:
|  | Loans 30-89 Days Past Due |  | Non-Accrual Loans |  | Remaining |  | Total Loans Receivable
Multi-family |  | $ | 806 |  |  | $ | 2,361 |  |  | $ | 30,270 |  |  | $ | 33,437 |
Commercial real estate(1) |  | 85 |  |  | 589 |  |  | 10,836 |  |  | 11,510 |
One-to-four family first mortgage |  | 28 |  |  | 77 |  |  | 5,082 |  |  | 5,187 |
Commercial and industrial(2) |  | 92 |  |  | 231 |  |  | 14,419 |  |  | 14,742 |
Other |  | 9 |  |  | 22 |  |  | 1,685 |  |  | 1,716 |
Total |  | $ | 1,020 |  |  | $ | 3,280 |  |  | $ | 62,292 |  |  | $ | 66,592 |
(1)Includes Acquisition, Development, and Construction loans. (2)Includes lease financing receivables. The following table presents information regarding the delinquency status of the Company’s loans held for investment at December 31, 2024:
|  | Loans 30-89 Days Past Due |  | Non-Accrual Loans |  | Remaining |  | Total Loans Receivable
Multi-family |  | $ | 749 |  |  | $ | 1,755 |  |  | $ | 31,589 |  |  | $ | 34,093 |
Commercial real estate(1) |  | 70 |  |  | 564 |  |  | 11,202 |  |  | 11,836 |
One-to-four family first mortgage |  | 25 |  |  | 70 |  |  | 5,106 |  |  | 5,201 |
Commercial and industrial(2) |  | 110 |  |  | 202 |  |  | 15,064 |  |  | 15,376 |
Other |  | 11 |  |  | 24 |  |  | 1,731 |  |  | 1,766 |
Total |  | $ | 965 |  |  | $ | 2,615 |  |  | $ | 64,692 |  |  | $ | 68,272 |
(1)Includes Acquisition, Development, and Construction loans. (2)Includes lease financing receivables. The following table presents the credit rating by vintage for our loans held for investment as of March 31, 2025:
| Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  |
| Amortized Cost Basis by Closing Year |  |  |  |
| 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior To 2021 |  |  |  | Total
Multi-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | — |  |  | $ | 16 |  |  | $ | 734 |  |  | $ | 6,553 |  |  | $ | 5,824 |  |  | $ | 9,495 |  |  | $ | 6 |  |  | $ | 115 |  |  | $ | 22,743 |
Special Mention | — |  |  | — |  |  | 26 |  |  | 610 |  |  | 626 |  |  | 745 |  |  | — |  |  | — |  |  | 2,007 |
Substandard | — |  |  | 2 |  |  | 138 |  |  | 472 |  |  | 972 |  |  | 4,722 |  |  | 4 |  |  | 16 |  |  | 6,326 |
Non-accrual | — |  |  | — |  |  | — |  |  | 262 |  |  | 339 |  |  | 1,760 |  |  | — |  |  | — |  |  | 2,361 |
Total Multi-family | — |  |  | 18 |  |  | 898 |  |  | 7,897 |  |  | 7,761 |  |  | 16,722 |  |  | 10 |  |  | 131 |  |  | 33,437 |
Year to date gross charge-offs | — |  |  | — |  |  | — |  |  | (8) |  |  | (15) |  |  | (57) |  |  | — |  |  | — |  |  | (80) |
Commercial Real Estate:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 128 |  |  | $ | 514 |  |  | $ | 1,227 |  |  | $ | 1,843 |  |  | $ | 1,080 |  |  | $ | 2,853 |  |  | $ | 1,313 |  |  | $ | 151 |  |  | $ | 9,109 |
Special Mention | — |  |  | — |  |  | 75 |  |  | 133 |  |  | 49 |  |  | 96 |  |  | 76 |  |  | 58 |  |  | 487 |
Substandard | — |  |  | 6 |  |  | 48 |  |  | 136 |  |  | 85 |  |  | 743 |  |  | 96 |  |  | 211 |  |  | 1,325 |
Non-accrual | — |  |  | — |  |  | 40 |  |  | 38 |  |  | 28 |  |  | 479 |  |  | 2 |  |  | 2 |  |  | 589 |
Total Commercial Real Estate(1) | 128 |  |  | 520 |  |  | 1,390 |  |  | 2,150 |  |  | 1,242 |  |  | 4,171 |  |  | 1,487 |  |  | 422 |  |  | 11,510 |
Year to date gross charge-offs | — |  |  | — |  |  | — |  |  | (1) |  |  | — |  |  | (1) |  |  | — |  |  | — |  |  | (2) |
One-to-Four Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 86 |  |  | $ | 340 |  |  | $ | 453 |  |  | $ | 2,313 |  |  | $ | 814 |  |  | $ | 810 |  |  | $ | 81 |  |  | $ | 3 |  |  | $ | 4,900 |
Substandard | — |  |  | 1 |  |  | 3 |  |  | 11 |  |  | 2 |  |  | 193 |  |  | — |  |  | — |  |  | 210 |
Non-accrual | — |  |  | 2 |  |  | 6 |  |  | 19 |  |  | 12 |  |  | 36 |  |  | 2 |  |  | — |  |  | 77 |
Total One-to-Four Family | 86 |  |  | 343 |  |  | 462 |  |  | 2,343 |  |  | 828 |  |  | 1,039 |  |  | 83 |  |  | 3 |  |  | 5,187 |
Year to date gross charge-offs | — |  |  | — |  |  | — |  |  | (1) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (1) |
Commercial and Industrial(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 448 |  |  | $ | 1,281 |  |  | $ | 2,537 |  |  | $ | 2,096 |  |  | $ | 739 |  |  | $ | 1,238 |  |  | $ | 5,138 |  |  | $ | 329 |  |  | $ | 13,806 |
Special Mention | 2 |  |  | 21 |  |  | 35 |  |  | 24 |  |  | 9 |  |  | 4 |  |  | 167 |  |  | 10 |  |  | 272 |
Substandard | 1 |  |  | 17 |  |  | 45 |  |  | 53 |  |  | 50 |  |  | 56 |  |  | 202 |  |  | 9 |  |  | 433 |
Non-accrual | — |  |  | 2 |  |  | 26 |  |  | 157 |  |  | 9 |  |  | 23 |  |  | 9 |  |  | 5 |  |  | 231 |
Total Commercial and Industrial | 451 |  |  | 1,321 |  |  | 2,643 |  |  | 2,330 |  |  | 807 |  |  | 1,321 |  |  | 5,516 |  |  | 353 |  |  | 14,742 |
Year to date gross charge-offs | (8) |  |  | — |  |  | (10) |  |  | (12) |  |  | (3) |  |  | (1) |  |  | — |  |  | — |  |  | (34) |
Other Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 25 |  |  | $ | 36 |  |  | $ | 32 |  |  | $ | 23 |  |  | $ | 5 |  |  | $ | 41 |  |  | $ | 1,402 |  |  | $ | 127 |  |  | $ | 1,691 |
Special Mention | — |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |
Substandard | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
Non-accrual | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |  |  | 14 |  |  | 4 |  |  | 22 |
Total Other Loans | 25 |  |  | 36 |  |  | 35 |  |  | 23 |  |  | 5 |  |  | 45 |  |  | 1,416 |  |  | 131 |  |  | 1,716 |
Year to date gross charge-offs | (2) |  |  | — |  |  | (1) |  |  | (2) |  |  | — |  |  | (2) |  |  | — |  |  | — |  |  | (7) |
(1)Includes Acquisition, Development, and Construction loans. (2)Includes lease financing receivables. The following table presents the credit rating by vintage for our loans held for investment as of December 31, 2024:
| Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  |
| Amortized Cost Basis by Closing Year |  |  |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior To 2020 |  |  |  | Total
Multi-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 17 |  |  | $ | 700 |  |  | $ | 6,599 |  |  | $ | 6,070 |  |  | $ | 5,203 |  |  | $ | 3,997 |  |  | $ | 27 |  |  | $ | — |  |  | $ | 22,613 |
Special Mention | — |  | 14 |  | 688 |  | 694 |  | 646 |  | 795 |  | 1 |  | — |  | 2,838
Substandard | 2 |  | 123 |  | 529 |  | 868 |  | 1,526 |  | 3,834 |  | 5 |  | — |  | 6,887
Non-accrual | — |  | — |  | 113 |  | 144 |  | 274 |  | 1,224 |  | — |  | — |  | 1,755
Total Multi-family | 19 |  | 837 |  | 7,929 |  | 7,776 |  | 7,649 |  | 9,850 |  | 33 |  | — |  | 34,093
Year to date gross charge-offs | — |  | — |  | (28) |  | (34) |  | (42) |  | (204) |  | — |  | — |  | (308)
Commercial Real Estate:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 542 |  |  | $ | 1,298 |  |  | $ | 1,753 |  |  | $ | 1,106 |  |  | $ | 576 |  |  | $ | 2,068 |  |  | $ | 1,597 |  |  | $ | 367 |  |  | $ | 9,307 |
Special Mention | — |  | 72 |  | 130 |  | 69 |  | 106 |  | 138 |  | 120 |  | — |  | 635
Substandard | 2 |  | 31 |  | 179 |  | 110 |  | 162 |  | 723 |  | 117 |  | 6 |  | 1,330
Non-accrual | — |  | 37 |  | 34 |  | 36 |  | 4 |  | 447 |  | 6 |  | — |  | 564
Total Commercial Real Estate(1) | 544 |  | 1,438 |  | 2,096 |  | 1,321 |  | 848 |  | 3,376 |  | 1,840 |  | 373 |  | 11,836
Year to date gross charge-offs | — |  | (8) |  | (81) |  | (1) |  | (27) |  | (349) |  | — |  | — |  | (466)
One-to-Four Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 250 |  |  | $ | 521 |  |  | $ | 2,431 |  |  | $ | 859 |  |  | $ | 178 |  |  | $ | 609 |  |  | $ | 80 |  |  | $ | 2 |  |  | $ | 4,930 |
Substandard | 1 |  | 2 |  | 8 |  | 2 |  | 16 |  | 172 |  | — |  | — |  | 201
Non-accrual | — |  | 4 |  | 16 |  | 10 |  | 7 |  | 28 |  | 5 |  | — |  | 70
Total One-to-Four Family | 251 |  | 527 |  | 2,455 |  | 871 |  | 201 |  | 809 |  | 85 |  | 2 |  | 5,201
Year to date gross charge-offs | — |  | — |  | (1) |  | — |  | — |  | (7) |  | — |  | — |  | (8)
Commercial and Industrial(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,267 |  |  | $ | 2,609 |  |  | $ | 2,014 |  |  | $ | 651 |  |  | $ | 450 |  |  | $ | 759 |  |  | $ | 5,554 |  |  | $ | 1,164 |  |  | $ | 14,468 |
Special Mention | 17 |  | 29 |  | 18 |  | 4 |  | 2 |  | 11 |  | 119 |  | 6 |  | 206
Substandard | 13 |  | 50 |  | 72 |  | 72 |  | 7 |  | 13 |  | 265 |  | 8 |  | 500
Non-accrual | 3 |  | 5 |  | 160 |  | 9 |  | 8 |  | 15 |  | 2 |  | — |  | 202
Total Commercial and Industrial | 1,300 |  | 2,693 |  | 2,264 |  | 736 |  | 467 |  | 798 |  | 5,940 |  | 1,178 |  | 15,376
Year to date gross charge-offs | (3) |  | (20) |  | (40) |  | (20) |  | (19) |  | (34) |  | — |  | — |  | (136)
Other Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 100 |  |  | $ | 29 |  |  | $ | 12 |  |  | $ | 4 |  |  | $ | 2 |  |  | $ | 32 |  |  | $ | 1,441 |  |  | $ | 121 |  |  | $ | 1,741 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | 1 |  | — |  | 1
Non-accrual | — |  | — |  | — |  | — |  | — |  | 5 |  | 19 |  | — |  | 24
Total Other Loans | 100 |  | 29 |  | 12 |  | 4 |  | 2 |  | 37 |  | 1,461 |  | 121 |  | 1,766
Year to date gross charge-offs | (2) |  | (4) |  | (4) |  | (1) |  | (1) |  | (8) |  | — |  | — |  | (20)
(1)Includes Acquisition, Development, and Construction loans. (2)Includes lease financing receivables. The classifications in the preceding tables are the most currently available and generally have been updated within the last twelve months. In addition, they follow regulatory guidelines and can generally be described as follows: pass loans are of satisfactory quality; special mention loans have potential weaknesses that deserve management’s close attention; substandard loans are inadequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged (these loans have a well-defined weakness and there is a possibility that the Company will sustain some loss); and non-accrual loans, which based on existing circumstances, have weaknesses that make collection or liquidation in full highly questionable and improbable. One-to-four family loans are classified based on the duration of the delinquency. When management determines that foreclosure is probable for loans that are individually evaluated, the expected credit losses are based on the fair value of the collateral adjusted for selling costs. When the borrower is experiencing financial difficulty at the reporting date and repayment is expected to be provided substantially through the operation or sale of the collateral, the collateral-dependent practical expedient has been elected and expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. For commercial real estate loans, collateral properties include office buildings, warehouse/distribution buildings, shopping centers, apartment buildings, residential and commercial tract development. The primary source of repayment on these loans is expected to come from the sale, permanent financing or lease of the real property collateral. Commercial real estate loans are impacted by fluctuations in collateral values, as well as the ability of the borrower to obtain permanent financing. The following table summarizes the recorded investment of the Company’s collateral-dependent loans held for investment by collateral type as of March 31, 2025:
| Real Property |  |
Multi-family | $ | 2,470 |  |  |
Commercial real estate(1) | 580 |  |  |
One-to-four family first mortgage | 73 |  |  |
Commercial and industrial | 4 |  |  |
Total collateral-dependent loans held for investment | $ | 3,127 |  |  |
(1)Includes Acquisition, Development, and Construction loans. At March 31, 2025 and December 31, 2024, the Company had $53 million and $41 million of residential mortgage loans in the process of foreclosure, respectively. Modifications to Borrowers Experiencing Financial Difficulty When borrowers are experiencing financial difficulty, the Company may make certain loan modifications as part of loss mitigation strategies to maximize expected payment. Modifications in the form of principal forgiveness, an interest rate reduction, or an other-than-insignificant payment delay or a term extension that have occurred in the current reporting period to a borrower experiencing financial difficulty are disclosed along with the financial impact of the modifications. During the three months ended March 31, 2025 and 2024 there were an immaterial and $26 million of loans modified to borrowers experiencing financial difficulty. The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty:
| Interest Rate Reduction |  | Term Extension
| Weighted-average contractual interest rate |  |
| From |  | To |  | Weighted-average Term (in years)
Three Months Ended March 31, 2025 |  |  |  |  |
Commercial real estate(1) | — | % |  | — | % |  | 1.08
One-to-four family first mortgage | 9.24 | % |  | 4.24 | % |  | 1.3
Other | 10.74 | % |  | — | % |  | — |
Three Months Ended March 31, 2024 |  |  |  |  |
Multi-family | 8.13 | % |  | 6.95 | % |  | N/A
Commercial real estate(1) | 8.08 | % |  | 6.00 | % |  | N/A
One-to-four family first mortgage | 4.66 | % |  | 3.76 | % |  | 15.3
Commercial and industrial | 6.78 | % |  | 6.50 | % |  | 0.3
Other | 11.01 | % |  | 4.76 | % |  | 1.8
(1)Includes Acquisition, Development, and Construction loans. The following table presents the amortized cost basis of the modifications for borrowers experiencing financial difficulty that subsequently defaulted in the first three months of 2025 and were within twelve months of the modification date:
|  |  | Term Extension |  | Principal Forgiveness |  | Combination - Interest Rate Reduction and Term/Payment Extension/Delay |  | Total |  |  |  |
Commercial real estate(1) |  |  | $ | 4 |  |  | $ | — |  |  | $ | — |  |  | $ | 4 |  |  |  |  |
One-to-four family first mortgage |  |  | 3 |  | 1 |  | 3 |  | 7 |  |  |  |
Total |  |  | $ | 7 |  |  | $ | 1 |  |  | $ | 3 |  |  | $ | 11 |  |  |  |  |
(1)Includes Acquisition, Development, and Construction loans. The performance of loans made to borrowers experiencing financial difficulty in which modifications were made is closely monitored to understand the effectiveness of modification efforts. The following table provides a summary of loan balances at March 31, 2025, which were modified during the prior twelve months, by class of financing receivable and delinquency status:
|  | March 31, 2025
|  | Current |  | 30 - 89 Past Due |  | 90+ Past Due |  | Total
Commercial real estate(1) |  | $ | — |  |  | $ | — |  |  | $ | 4 |  |  | $ | 4 |
One-to-four family first mortgage |  | 6 |  |  | — |  |  | 6 |  |  | 12 |
Commercial and industrial |  | — |  | — |  | 1 |  | 1
Total |  | $ | 6 |  |  | $ | — |  |  | $ | 11 |  |  | $ | 17 |
(1)Includes Acquisition, Development, and Construction loans. The following table provides a summary of loan balances at March 31, 2024, which were modified during the prior twelve months, by class of financing receivable and delinquency status:
|  | March 31, 2024
|  | Current |  | 30 - 89 Past Due |  | 90+ Past Due |  | Total
Multi-family |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 8 |
Commercial real estate(1) |  | 2 |  |  | — |  |  | — |  |  | 2 |
One-to-four family first mortgage |  | 2 |  |  | — |  |  | 8 |  |  | 10 |
Commercial and industrial |  | 12 |  | 2 |  | — |  | 14
Other |  | 1 |  | — |  | — |  | 1
Total |  | $ | 25 |  |  | $ | 2 |  |  | $ | 8 |  |  | $ | 35 |
(1)Includes Acquisition, Development, and Construction loans.

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