XML 58 R14.htm IDEA: XBRL DOCUMENT
v3.25.3

LOANS RECEIVABLE | 12 Months Ended
--- | ---
Sep. 30, 2025
Receivables [Abstract] |
LOANS RECEIVABLE | LOANS RECEIVABLE For a detailed discussion of loans and credit quality, including accounting policies and the CECL methodology used to estimate the allowance for credit losses, see Note A "Summary of Significant Accounting Policies" above. The Company's loans held for investment are divided into two portfolio segments, commercial loans and consumer loans, with each of those segments further split into loan classes for purposes of estimating the allowance for credit losses. The following table is a summary of loans receivable by loan portfolio segment and class.
| September 30, 2025 |  | September 30, 2024
| ($ in thousands) |  | ($ in thousands)
Gross loans by category |  |  |  |  |
Commercial loans |  |  |  |  |
Multi-family | $4,718,480 | 22.2% |  | $4,658,119 | 20.8%
Commercial real estate | 3,604,600 | 16.9 |  | 3,757,040 | 16.8
Commercial & industrial | 2,392,685 | 11.3 |  | 2,337,139 | 10.4
Construction | 1,756,890 | 8.3 |  | 2,174,254 | 9.7
Land - acquisition & development | 179,099 | 0.8 |  | 200,713 | 1.0
Total commercial loans | 12,651,754 | 59.5 |  | 13,127,265 | 58.7
Consumer loans |  |  |  |  |
Single-family residential | 8,053,771 | 37.8 |  | 8,399,030 | 37.6
Construction - custom | 150,237 | 0.7 |  | 384,161 | 1.7
Land - consumer lot loans | 89,298 | 0.4 |  | 108,791 | 0.5
HELOC | 267,871 | 1.3 |  | 266,151 | 1.2
Consumer | 61,461 | 0.3 |  | 73,998 | 0.3
Total consumer loans | 8,622,638 | 40.5 |  | 9,232,131 | 41.3
Total gross loans | 21,274,392 | 100% |  | 22,359,396 | 100%
Less: |  |  |  |  |
Allowance for loan losses | 199,720 |  |  | 203,753 |
Loans in process | 773,606 |  |  | 1,009,798 |
Net deferred fees, costs and discounts | 212,448 |  |  | 229,491 |
Total loan contra accounts | 1,185,774 |  |  | 1,443,042 |
Net loans | $20,088,618 |  |  | $20,916,354 |
The Company elected to exclude AIR from the amortized cost basis of loans for disclosure purposes and from the calculations of estimated credit losses. As of September 30, 2025 and September 30, 2024, AIR for loans totaled $85,444,000 and $92,362,000, respectively, and is included in the “accrued interest receivable” line item on the Company’s consolidated statements of financial condition. Loans in the amount of $13,732,150,000 and $16,957,014,000 at September 30, 2025 and September 30, 2024, respectively, were pledged to secure borrowings and available lines of credit. None of the agencies to which we have pledged loans have the right to sell or re-pledge them. The following summary breaks down the Company's fixed rate and adjustable rate loans by time to maturity or to rate adjustment. The table below does not account for fixed rate loans that are swapped to floating using derivatives. See Note G for details regarding fair value hedges of individual fixed rate commercial loans and also hedges of a specified portion of pools of prepayable fixed rate mortgage loans under the "last of layer" method.
September 30, 2025
Fixed-Rate |  | Adjustable-Rate
Term To Maturity | Loans | % of Loans |  | Term To Rate Adjustment | Loans | % of Loans
| (In thousands) |  |  |  | (In thousands) |
Within 1 year | $532,838 | 2.6% |  | Less than 1 year | $6,415,163 | 31.6%
1 to 3 years | 808,581 | 4.0 |  | 1 to 3 years | 1,617,496 | 8.0
3 to 5 years | 1,125,285 | 5.5 |  | 3 to 5 years | 665,213 | 3.3
5 to 10 years | 2,065,111 | 10.2 |  | 5 to 10 years | 188,729 | 0.9
10 to 20 years | 1,104,003 | 5.4 |  | 10 to 20 years | 7,492 | 0.1
Over 20 years | 5,755,688 | 28.4 |  | Over 20 years | 2,739 | —
| $11,391,506 | 56.1% |  |  | $8,896,832 | 43.9%
The Company has granted loans to officers and directors of the Company and related interests. These loans are made on the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated persons and do not involve more than the normal risk of collectability. The aggregate dollar amount of these loans, including unfunded commitments to lend, was $89,608,000 and $98,271,000 at September 30, 2025 and 2024, respectively. As of September 30, 2025, all of these loans were performing in accordance with contractual terms. The following table sets forth the amortized cost basis of loans receivable for non-accrual loans and loans 90 days or more past due and still accruing.
| September 30, 2025 |  | September 30, 2024
| (In thousands, except ratio data)
| Non-accrual |  | Non-accrual with no ACL |  | 90 days or more past due and accruing |  | Non-accrual |  | Non-accrual with no ACL |  | 90 days or more past due and accruing
Commercial loans |  |  |  |  |  |  |  |  |  |  |
Multi-family | $19,121 |  | $— |  | $— |  | $18,743 |  | $— |  | $—
Commercial real estate | 69,972 |  | — |  | — |  | 26,362 |  | — |  | —
Commercial & industrial | 11,047 |  | — |  | — |  | — |  | — |  | 1,083
Construction | 3,400 |  | — |  | — |  | 1,120 |  | — |  | —
Land - acquisition & development | — |  | — |  | — |  | 74 |  | — |  | —
Total commercial loans | 103,540 |  | — |  | — |  | 46,299 |  | — |  | 1,083
Consumer loans |  |  |  |  |  |  |  |  |  |  |
Single-family residential | 23,741 |  | — |  | — |  | 21,488 |  | — |  | —
Construction - custom | 760 |  | — |  | — |  | 848 |  | — |  | —
Land - consumer lot loans | 23 |  | — |  | — |  | — |  | — |  | —
HELOC | 412 |  | — |  | — |  | 596 |  | — |  | —
Consumer | 152 |  | — |  | — |  | 310 |  | — |  | —
Total consumer loans | 25,088 |  | — |  | — |  | 23,242 |  | — |  | —
Total loans | $128,628 |  | $— |  | $— |  | $69,541 |  | $— |  | $1,083
% of total loans | 0.63% |  |  |  |  |  | 0.33% |  |  |  |
The following tables break down loan delinquencies by loan portfolio segment and class.
September 30, 2025 |  |  | Days Delinquent Based on $ Amount of Loans |  | % based on $
Loan type | Loans Receivable (Amortized Cost) |  | Current |  | 30 |  | 60 |  | 90 |  | Total Past Due |
| ($ in thousands) |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-Family | $4,631,321 |  | $4,610,677 |  | $— |  | $12,482 |  | $8,162 |  | $20,644 |  | 0.45%
Commercial Real Estate | 3,588,950 |  | 3,537,909 |  | 87 |  | 912 |  | 50,042 |  | 51,041 |  | 1.42
Commercial & Industrial | 2,386,363 |  | 2,385,178 |  | 52 |  | 1,088 |  | 45 |  | 1,185 |  | 0.05
Construction | 1,105,101 |  | 1,105,101 |  | — |  | — |  | — |  | — |  | —
Land - Acquisition & Development | 139,922 |  | 139,922 |  | — |  | — |  | — |  | — |  | —
Total commercial loans | 11,851,657 |  | 11,778,787 |  | 139 |  | 14,482 |  | 58,249 |  | 72,870 |  | 0.61
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |
Single-Family Residential | 7,936,931 |  | 7,890,843 |  | 16,639 |  | 6,176 |  | 23,273 |  | 46,088 |  | 0.58
Construction - Custom | 78,243 |  | 77,483 |  | — |  | — |  | 760 |  | 760 |  | 0.97
Land - Consumer Lot Loans | 88,696 |  | 88,364 |  | 249 |  | 60 |  | 23 |  | 332 |  | 0.37
HELOC | 271,286 |  | 269,104 |  | 1,432 |  | 384 |  | 366 |  | 2,182 |  | 0.80
Consumer | 61,525 |  | 61,172 |  | 99 |  | 102 |  | 152 |  | 353 |  | 0.57
Total consumer loans | 8,436,681 |  | 8,386,966 |  | 18,419 |  | 6,722 |  | 24,574 |  | 49,715 |  | 0.59
Total Loans | $20,288,338 |  | $20,165,753 |  | $18,558 |  | $21,204 |  | $82,823 |  | $122,585 |  | 0.60%
Delinquency % |  |  | 99.40% |  | 0.09% |  | 0.10% |  | 0.41% |  | 0.60% |  |
September 30, 2024 |  |  | Days Delinquent Based on $ Amount of Loans |  | % based on $
Loan type | Loans Receivable (Amortized Cost) |  | Current |  | 30 |  | 60 |  | 90 |  | Total Past Due |
| ($ in thousands) |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-Family | $4,556,200 |  | $4,541,527 |  | $— |  | $4,890 |  | $9,783 |  | $14,673 |  | 0.32%
Commercial Real Estate | 3,732,155 |  | 3,731,494 |  | 89 |  | — |  | 572 |  | 661 |  | 0.02
Commercial & Industrial | 2,332,732 |  | 2,330,686 |  | — |  | 1,023 |  | 1,023 |  | 2,046 |  | 0.09
Construction | 1,424,016 |  | 1,421,966 |  | 930 |  | — |  | 1,120 |  | 2,050 |  | 0.14
Land - Acquisition & Development | 160,317 |  | 160,243 |  | — |  | — |  | 74 |  | 74 |  | 0.05
Total commercial loans | 12,205,420 |  | 12,185,916 |  | 1,019 |  | 5,913 |  | 12,572 |  | 19,504 |  | 0.16
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |
Single-Family Residential | 8,280,300 |  | 8,250,589 |  | 3,927 |  | 7,540 |  | 18,244 |  | 29,711 |  | 0.36
Construction - Custom | 182,415 |  | 181,567 |  | — |  | — |  | 848 |  | 848 |  | 0.46
Land - Consumer Lot Loans | 108,060 |  | 108,060 |  | — |  | — |  | — |  | — |  | —
HELOC | 269,857 |  | 267,347 |  | 1,387 |  | 577 |  | 546 |  | 2,510 |  | 0.93
Consumer | 74,055 |  | 73,290 |  | 311 |  | 144 |  | 310 |  | 765 |  | 1.03
Total consumer loans | 8,914,687 |  | 8,880,853 |  | 5,625 |  | 8,261 |  | 19,948 |  | 33,834 |  | 0.38
Total Loans | $21,120,107 |  | $21,066,769 |  | $6,644 |  | $14,174 |  | $32,520 |  | $53,338 |  | 0.25%
Delinquency % |  |  | 99.75% |  | 0.03% |  | 0.07% |  | 0.15% |  | 0.25% |  |
Loans are considered collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. The following table presents the amortized basis of collateral- dependent loans by loan class and type of collateral securing the assets as of September 30, 2025.
Collateral dependent loans by type |  | Residential Real Estate |  | Commercial Real Estate |  | General Business Assets
|  | ($ in thousands)
Commercial loans |  |  |  |  |  |
Multi-Family |  | $— |  | $23,856 |  | $—
Commercial Real Estate |  | — |  | 88,908 |  | —
Commercial & Industrial |  | — |  | — |  | 11,000
Construction |  | — |  | 3,400 |  | —
Land - Acquisition & Development |  | — |  | — |  | —
Total commercial loans |  | — |  | 116,164 |  | 11,000
Consumer loans |  |  |  |  |  |
Single-Family Residential |  | 3,257 |  | — |  | —
Construction - Custom |  | 760 |  | — |  | —
Land - Consumer Lot Loans |  | 7 |  | — |  | —
HELOC |  | 50 |  | — |  | —
Consumer |  | — |  | — |  | —
Total consumer loans |  | 4,074 |  | — |  | —
Total Loans |  | $4,074 |  | $116,164 |  | $11,000
Loans may be modified as the result of borrowers experiencing financial difficulty needing relief from the contractual terms of their loan. Most loan modifications to borrowers experiencing financial difficulty are accruing and performing loans where the borrower has approached the Company about modification due to temporary financial difficulties. Each request for modification is individually evaluated for merit and likelihood of success. Often a term extension is needed in the short term in order to evaluate the need for further corrective action. Payment delays and interest-only payments may also be approved during the modification period. Principal forgiveness is not an available option for restructured loans. For commercial loans, modifications could be any of the above-listed modification types available or a mix thereof. Modifications to extend the term, lower the payment amount or delay payment are made for the purposes of providing borrowers additional time to return to compliance with the terms of their loans. Renewals of commercial lines to borrowers experiencing financial difficulty are included within the disclosures below though many of these are made in the normal course of business. For consumer loans, modifications typically consist of minor payment delays or deferrals and may include a modification of the existing contractual rate or extension of the maturity date, or both, when it is determined the borrowers are likely to successfully maintain compliance with these modified loan terms. The following table presents the amortized basis of loans that were modified to borrowers experiencing financial difficulty during the period by loan class and modification type. Modifications during the years presented were term extensions or payment deferrals.
| Twelve Months Ended September 30, 2025
| Term Extension |  | Payment Deferral |  | % of Total Loan Class |  | Wtd. Avg. Term Extension |  | Deferral Amount
Commercial loans | ( in thousands) |  | ( in thousands) |  |  |  | (in months) |  | ( in thousands)
Multi-family | $21,762 |  | $— |  | 0.46% |  | 15 |  | $—
Commercial real estate | 15,000 |  | 17,560 |  | 0.90 |  | 6 |  | 1,014
Commercial & industrial | 57,431 |  | — |  | 2.40 |  | 10 |  | —
Construction | 19,432 |  | 3,400 |  | 0.02 |  | 6 |  | 120
Total commercial loans | 113,625 |  | 20,960 |  | 1.13 |  |  |  | 1,134
Consumer loans |  |  |  |  |  |  |  |  |
Single-family residential | 446 |  | 8,275 |  | 0.11% |  | 6 |  | 236
Total consumer loans | 446 |  | 8,275 |  | 0.10 |  |  |  | 236
Total Loans | $114,071 |  | $29,235 |  | 0.70% |  | 9 |  | $1,370
| Twelve months ended September 30, 2024
| Term Extension |  | Payment Deferral |  | % of Total Loan Class |  | Wtd. Avg. Term Extension |  | Deferral Amount
Commercial loans | ( in thousands) |  | ( in thousands) |  |  |  | (in months) |  | ( in thousands)
Commercial real estate | $23,449 |  | $— |  | 0.63% |  | 36 |  | $—
Commercial & industrial | 61,074 |  | — |  | 2.62 |  | 4 |  | —
Construction | 19,087 |  | — |  | 1.34 |  | 12 |  | —
Total commercial loans | 103,610 |  | — |  | 0.85 |  |  |  | —
Consumer loans |  |  |  |  |  |  |  |  |
Single-family residential | 882 |  | — |  | 0.01 |  | 6 |  | —
Total consumer loans | 882 |  | — |  | 0.01 |  |  |  | —
Total Loans | $104,492 |  | $— |  | 0.49% |  | 13 |  | $—
The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of modification efforts. The following table presents the performance of such loans that have been modified for the twelve months ended September 30, 2025 and September 30, 2024, respectively.
September 30, 2025 |  |  |  | Days Delinquent |  |
Loan type |  | Current |  | 30 |  | 60 |  | 90 |  | Total
| (in thousands)
Commercial loans |  |  |  |  |  |  |  |  |  |
Multi-family |  | $21,762 |  | $— |  | $— |  | $— |  | $21,762
Commercial real estate |  | 32,560 |  | — |  | — |  | — |  | 32,560
Commercial & industrial |  | 57,409 |  | 22 |  | — |  | — |  | 57,431
Construction |  | 22,832 |  | — |  | — |  | — |  | 22,832
Total commercial loans |  | 134,563 |  | 22 |  | — |  | — |  | 134,585
Consumer loans |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 8,274 |  | — |  | 446 |  | — |  | 8,720
Total consumer loans |  | 8,274 |  | — |  | 446 |  | — |  | 8,720
Total Loans |  | $142,837 |  | $22 |  | $446 |  | $— |  | $143,305
September 30, 2024 |  |  |  | Days Delinquent |  |
Loan type |  | Current |  | 30 |  | 60 |  | 90 |  | Total
| (in thousands)
Commercial loans |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $23,449 |  | $— |  | $— |  | $— |  | $23,449
Commercial & industrial |  | 58,999 |  | — |  | 992 |  | 1,083 |  | 61,074
Construction |  | 19,087 |  | — |  | — |  | — |  | 19,087
Total commercial loans |  | 101,535 |  | — |  | 992 |  | 1,083 |  | 103,610
Consumer loans |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 882 |  | — |  | — |  | — |  | 882
Total consumer loans |  | 882 |  | — |  | — |  | — |  | 882
Total Loans |  | $102,417 |  | $— |  | $992 |  | $1,083 |  | $104,492
None of the loans modified in the twelve months ended September 30, 2025 have defaulted after modification as of September 30, 2025 and only one single-family residential loan with a balance of $446,000 was past due 30 days. We evaluate the credit quality of our commercial loans based on regulatory risk ratings and also consider other factors. It is important to note, just because a loan is risk-rated below a "pass" rating, it does not necessarily indicate there will be future charge-offs on that loan. Loans are downgraded because of either borrower specific or industry-wide financial or operating stresses. Based on this evaluation, the loans are assigned a grade and classified as follows: •Pass – the credit does not meet one of the definitions below. •Special mention – A special mention credit is considered to be currently protected from loss but is potentially weak. No loss of principal or interest is foreseen; however, proper supervision and management attention is required to deter further deterioration in the credit. Assets in this category constitute some undue and unwarranted credit risk but not to the point of justifying a risk rating of substandard. The credit risk may be relatively minor yet constitutes an unwarranted risk in light of the circumstances surrounding a specific asset. •Substandard – A substandard credit is an unacceptable credit. Additionally, repayment in the normal course is in jeopardy due to the existence of one or more well defined weaknesses. In these situations, loss of principal is likely if the weakness is not corrected. A substandard asset is inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged, if any. Assets so classified will have a well-defined weakness or weaknesses that jeopardize the collection or liquidation of the debt. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets risk rated substandard. •Doubtful – A credit classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weakness makes collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The probability of loss is high, but because of certain important and reasonably specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and refinancing plans. •Loss – Credits classified loss are considered uncollectible and of such little value that their continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this asset even though partial recovery may be affected in the future. Losses should be taken in the period in which they are identified as uncollectible. Partial charge-off versus full charge-off may be taken if the collateral offers some identifiable protection. The following tables present by credit quality indicator, loan class, and year of origination, the amortized cost basis of loans receivable as of September 30, 2025 and September 30, 2024.
September 30, 2025 | Term Loans Amortized Cost Basis by Origination Year |  |  |
(In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior to 2021 | Revolving Loans | Revolving to Term Loans | Total Loans
Commercial loans |  |  |  |  |  |  |  |  |
Multi-family |  |  |  |  |  |  |  |  |
Pass | $51,779 | $91,285 | $431,401 | $1,521,149 | $1,154,189 | $1,066,496 | $21,048 | $— | $4,337,347
Special Mention | — | — | 8,225 | 44,350 | 13,686 | 70,556 | — | — | 136,817
Substandard | 2,334 | — | 9,166 | 51,486 | 12,661 | 78,158 | 1,002 | — | 154,807
Doubtful | — | — | — | — | — | 2,350 | — | — | 2,350
Total | $54,113 | $91,285 | $448,792 | $1,616,985 | $1,180,536 | $1,217,560 | $22,050 | $— | $4,631,321
Gross Charge-offs | 182 | — | — | — | 271 | 102 | — | — | 555
Commercial real estate |  |  |  |  |  |  |  |  |
Pass | $311,687 | $226,269 | $231,132 | $997,347 | $550,234 | $987,607 | $33,688 | $1,098 | $3,339,062
Special Mention | — | — | — | 27,900 | 21,928 | 11,752 | — | — | 61,580
Substandard | — | — | 15,484 | 15,035 | 83,665 | 71,343 | — | — | 185,527
Doubtful | — | — | — | — | — | 2,781 | — | — | 2,781
Total | $311,687 | $226,269 | $246,616 | $1,040,282 | $655,827 | $1,073,483 | $33,688 | $1,098 | $3,588,950
Gross Charge-offs | — | — | — | 163 | — | 9,489 | — | — | 9,652
Commercial & industrial |  |  |  |  |  |  |  |  |
Pass | $263,637 | $46,817 | $113,824 | $147,522 | $227,043 | $184,325 | $1,066,532 | $37,050 | $2,086,750
Special Mention | — | 1,975 | — | 16,396 | — | 16,176 | 10,451 | — | 44,998
Substandard | 35,490 | 3,042 | 21,527 | 24,733 | 1,725 | 32,281 | 130,613 | 5,180 | 254,591
Loss | — | — | 10 | — | — | 3 | — | 11 | 24
Total | $299,127 | $51,834 | $135,361 | $188,651 | $228,768 | $232,785 | $1,207,596 | $42,241 | $2,386,363
Gross Charge-offs | 199 | 307 | — | — | — | 621 | — | 164 | 1,291
Construction |  |  |  |  |  |  |  |  |
Pass | $169,743 | $171,558 | $221,207 | $346,051 | $66,878 | $— | $116,245 | $— | $1,091,682
Special Mention | — | — | — | 4,435 | — | — | — | — | 4,435
Substandard | — | 204 | — | 5,380 | 3,400 | — | — | — | 8,984
Total | $169,743 | $171,762 | $221,207 | $355,866 | $70,278 | $— | $116,245 | $— | $1,105,101
Land - acquisition & development |  |  |  |  |  |  |
Pass | $48,379 | $18,650 | $11,026 | $27,172 | $33,060 | $1,376 | $— | $— | $139,663
Substandard | — | — | — | — | — | 259 | — | — | 259
Total | $48,379 | $18,650 | $11,026 | $27,172 | $33,060 | $1,635 | $— | $— | $139,922
Total commercial loans |  |  |  |  |  |  |  |  |
Pass | $845,225 | $554,579 | $1,008,590 | $3,039,241 | $2,031,404 | $2,239,804 | $1,237,513 | $38,148 | $10,994,504
Special Mention | — | 1,975 | 8,225 | 93,081 | 35,614 | 98,484 | 10,451 | — | 247,830
Substandard | 37,824 | 3,246 | 46,177 | 96,634 | 101,451 | 182,041 | 131,615 | 5,180 | 604,168
Doubtful | — | — | — | — | — | 5,131 | — | — | 5,131
Loss | — | — | 10 | — | — | 3 | — | 11 | 24
Total | $883,049 | $559,800 | $1,063,002 | $3,228,956 | $2,168,469 | $2,525,463 | $1,379,579 | $43,339 | $11,851,657
Gross Charge-offs | $381 | $307 | $— | $163 | $271 | $10,212 | $— | $164 | $11,498
September 30, 2025 | Term Loans Amortized Cost Basis by Origination Year |  |  |
(In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior to 2021 | Revolving Loans | Revolving to Term Loans | Total Loans
Consumer loans |  |  |  |  |  |  |  |  |
Single-family residential |  |  |  |  |  |  |  |  |
Current | $202,919 | $353,679 | $786,634 | $2,143,244 | $1,912,465 | $2,491,902 | $— | $— | $7,890,843
30 days past due | 402 | 949 | 1,751 | 1,061 | 7,107 | 5,369 | — | — | 16,639
60 days past due | — | 376 | 965 | 692 | 339 | 3,804 | — | — | 6,176
90+ days past due | — | 998 | 813 | 3,711 | 4,414 | 13,337 | — | — | 23,273
Total | $203,321 | $356,002 | $790,163 | $2,148,708 | $1,924,325 | $2,514,412 | $— | $— | $7,936,931
Gross Charge-offs | — | — | — | — | — | 338 | — | — | 338
Construction - custom |  |  |  |  |  |  |  |  |
Current | $34,932 | $33,380 | $5,256 | $3,915 | $— | $— | $— | $— | $77,483
90+ days past due | — | — | — | 760 | — | — | — | — | 760
Total | $34,932 | $33,380 | $5,256 | $4,675 | $— | $— | $— | $— | $78,243
Land - consumer lot loans |  |  |  |  |  |  |  |  |
Current | $6,175 | $14,686 | $9,091 | $19,489 | $20,373 | $18,550 | $— | $— | $88,364
30 days past due | — | — | — | 55 | 194 | — | — | — | 249
60 days past due | — | — | 60 | — | — | — | — | — | 60
90+ days past due | — | — | — | — | — | 23 | — | — | 23
Total | $6,175 | $14,686 | $9,151 | $19,544 | $20,567 | $18,573 | $— | $— | $88,696
HELOC |  |  |  |  |  |  |  |  |
Current | $— | $— | $— | $— | $— | $4,276 | $262,581 | $2,247 | $269,104
30 days past due | — | — | — | — | — | 145 | 1,183 | 104 | 1,432
60 days past due | — | — | — | — | — | 181 | 203 | — | 384
90+ days past due | — | — | — | — | — | — | 366 | — | 366
Total | $— | $— | $— | $— | $— | $4,602 | $264,333 | $2,351 | $271,286
Consumer |  |  |  |  |  |  |  |  |
Current | $158 | $30 | $17 | $— | $7,507 | $22,365 | $31,095 | $— | $61,172
30 days past due | — | — | — | — | — | — | 99 | — | 99
60 days past due | — | — | — | — | — | 52 | 50 | — | 102
90+ days past due | — | — | — | — | — | 44 | 108 | — | 152
Total | $158 | $30 | $17 | $— | $7,507 | $22,461 | $31,352 | $— | $61,525
Gross Charge-offs | — | 2 | — | — | — | 62 | 1,252 | 18 | 1,334
Total consumer loans |  |  |  |  |  |  |  |  |
Current | $244,184 | $401,775 | $800,998 | $2,166,648 | $1,940,345 | $2,537,093 | $293,676 | $2,247 | $8,386,966
30 days past due | 402 | 949 | 1,751 | 1,116 | 7,301 | 5,514 | 1,282 | 104 | 18,419
60 days past due | — | 376 | 1,025 | 692 | 339 | 4,037 | 253 | — | 6,722
90+ days past due | — | 998 | 813 | 4,471 | 4,414 | 13,404 | 474 | — | 24,574
Total | $244,586 | $404,098 | $804,587 | $2,172,927 | $1,952,399 | $2,560,048 | $295,685 | $2,351 | $8,436,681
Gross Charge-offs | $— | $2 | $— | $— | $— | $400 | $1,252 | $18 | $1,672
September 30, 2024 | Term Loans Amortized Cost Basis by Origination Year |  |  |
(In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior to 2020 | Revolving Loans | Revolving to Term Loans | Total Loans
Commercial loans |  |  |  |  |  |  |  |  |
Multi-family |  |  |  |  |  |  |  |  |
Pass | $62,038 | $198,790 | $1,645,460 | $1,203,005 | $577,037 | $716,573 | $56,627 | $16,753 | $4,476,283
Special Mention | — | — | 1,698 | 2,655 | 2,572 | 5,452 | — | — | 12,377
Substandard | — | — | 13,566 | 5,850 | 7,059 | 41,065 | — | — | 67,540
Total | $62,038 | $198,790 | $1,660,724 | $1,211,510 | $586,668 | $763,090 | $56,627 | $16,753 | $4,556,200
Commercial real estate |  |  |  |  |  |  |  |  |
Pass | $216,520 | $252,923 | $1,086,200 | $723,600 | $475,313 | $797,877 | $35,249 | $— | $3,587,682
Special Mention | — | — | — | 22,216 | 8,682 | 9,399 | — | — | 40,297
Substandard | — | — | 8,686 | 2,260 | 25,319 | 67,911 | — | — | 104,176
Total | $216,520 | $252,923 | $1,094,886 | $748,076 | $509,314 | $875,187 | $35,249 | $— | $3,732,155
Gross Charge-offs | $— | $— | $— | $— | $— | $203 | $— | $— | $203
Commercial & industrial |  |  |  |  |  |  |  |  |
Pass | $42,232 | $148,059 | $231,215 | $282,148 | $89,219 | $156,666 | $1,116,283 | $41,957 | $2,107,779
Special Mention | — | — | — | — | — | — | 21,264 | — | 21,264
Substandard | 2,142 | 19,818 | 35,717 | 2,284 | 13,227 | 44,870 | 85,627 | 4 | 203,689
Total | $44,374 | $167,877 | $266,932 | $284,432 | $102,446 | $201,536 | $1,223,174 | $41,961 | $2,332,732
Gross Charge-offs | $175 | $42 | $10 | $15 | $— | $7 | $2,331 | $31 | $2,611
Construction |  |  |  |  |  |  |  |  |
Pass | $146,154 | $421,334 | $532,310 | $233,200 | $— | $— | $59,334 | $— | $1,392,332
Special Mention | — | — | — | 3,221 | — | — | — | — | 3,221
Substandard | 82 | 8,622 | 6,060 | 13,699 | — | — | — | — | 28,463
Total | $146,236 | $429,956 | $538,370 | $250,120 | $— | $— | $59,334 | $— | $1,424,016
Land - acquisition & development |  |  |  |  |  |  |
Pass | $23,475 | $12,976 | $56,292 | $46,635 | $2,774 | $17,768 | $— | $— | $159,920
Substandard | — | — | — | — | 74 | 323 | — | — | 397
Total | $23,475 | $12,976 | $56,292 | $46,635 | $2,848 | $18,091 | $— | $— | $160,317
Gross Charge-offs | $— | $— | $— | $— | $— | $149 | $— | $— | $149
Total commercial loans |  |  |  |  |  |  |  |  |
Pass | $490,419 | $1,034,082 | $3,551,477 | $2,488,588 | $1,144,343 | $1,688,884 | $1,267,493 | $58,710 | $11,723,996
Special Mention | — | — | 1,698 | 28,092 | 11,254 | 14,851 | 21,264 | — | 77,159
Substandard | 2,224 | 28,440 | 64,029 | 24,093 | 45,679 | 154,169 | 85,627 | 4 | 404,265
Total | $492,643 | $1,062,522 | $3,617,204 | $2,540,773 | $1,201,276 | $1,857,904 | $1,374,384 | $58,714 | $12,205,420
Gross Charge-offs | $175 | $42 | $10 | $15 | $— | $359 | $2,331 | $31 | $2,963
September 30, 2024 | Term Loans Amortized Cost Basis by Origination Year |  |  |
(In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior to 2020 | Revolving Loans | Revolving to Term Loans | Total Loans
Consumer loans |  |  |  |  |  |  |  |  |
Single-family residential |  |  |  |  |  |  |  |  |
Current | $384,516 | $765,673 | $2,285,996 | $2,061,359 | $797,586 | $1,955,459 | $— | $— | $8,250,589
30 days past due | — | — | 375 | — | 1,063 | 2,489 | — | — | 3,927
60 days past due | — | 3,237 | — | 1,199 | 662 | 2,442 | — | — | 7,540
90+ days past due | — | 820 | 3,454 | 1,339 | 1,027 | 11,604 | — | — | 18,244
Total | $384,516 | $769,730 | $2,289,825 | $2,063,897 | $800,338 | $1,971,994 | $— | $— | $8,280,300
Gross Charge-offs | — | — | 13 | — | — | 131 | — | — | 144
Construction - custom |  |  |  |  |  |  |  |  |
Current | $54,649 | $108,941 | $17,082 | $537 | $— | $358 | $— | $— | $181,567
90+ days past due | — | — | 848 | — | — | — | — | — | 848
Total | $54,649 | $108,941 | $17,930 | $537 | $— | $358 | $— | $— | $182,415
Land - consumer lot loans |  |  |  |  |  |  |  |  |
Current | $19,672 | $14,809 | $26,839 | $23,804 | $9,223 | $13,713 | $— | $— | $108,060
Total | $19,672 | $14,809 | $26,839 | $23,804 | $9,223 | $13,713 | $— | $— | $108,060
HELOC |  |  |  |  |  |  |  |  |
Current | $— | $— | $— | $— | $— | $4,176 | $262,055 | $1,116 | $267,347
30 days past due | — | — | — | — | — | 216 | 1,171 | — | 1,387
60 days past due | — | — | — | — | — | 392 | 185 | — | 577
90+ days past due | — | — | — | — | — | 8 | 538 | — | 546
Total | $— | $— | $— | $— | $— | $4,792 | $263,949 | $1,116 | $269,857
Consumer |  |  |  |  |  |  |  |  |
Current | $1,515 | $33 | $(19) | $9,440 | $8,000 | $18,329 | $35,992 | $— | $73,290
30 days past due | — | — | — | — | — | 92 | 219 | — | 311
60 days past due | — | — | — | — | — | — | 144 | — | 144
90+ days past due | — | — | — | — | — | 91 | 219 | — | 310
Total | $1,515 | $33 | $(19) | $9,440 | $8,000 | $18,512 | $36,574 | $— | $74,055
Gross Charge-offs | — | — | — | — | — | 139 | 379 | — | 518
Total consumer loans |  |  |  |  |  |  |  |  |
Current | $460,352 | $889,456 | $2,329,898 | $2,095,140 | $814,809 | $1,992,035 | $298,047 | $1,116 | $8,880,853
30 days past due | — | — | 375 | — | 1,063 | 2,797 | 1,390 | — | 5,625
60 days past due | — | 3,237 | — | 1,199 | 662 | 2,834 | 329 | — | 8,261
90+ days past due | — | 820 | 4,302 | 1,339 | 1,027 | 11,703 | 757 | — | 19,948
Total | $460,352 | $893,513 | $2,334,575 | $2,097,678 | $817,561 | $2,009,369 | $300,523 | $1,116 | $8,914,687
Gross Charge-offs | — | — | 13 | — | — | 270 | 379 | — | 662

X
- Definition The entire disclosure for claims held for amounts due to entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org/310-10/tableOfContent Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 835 -SubTopic 30 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2 + Details
Name: | us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration