LOANS HELD FOR INVESTMENT, NET

Schedule of activity in allowance for loan losses

At or for the Three Months Ended June 30, 2025

One-to-Four

Family

Multifamily

Residential and

Residential

Cooperative/

and

Non-Owner-Occupied

Business

Condominium

Residential

Commercial

Other

(In thousands)

Loans

Apartment

Mixed-Use

Real Estate

ADC

Loans

Total

Allowance for credit losses:

Beginning balance

$

43,915

$

9,745

$

13,087

$

21,075

$

2,360

$

273

$

90,455

Provision (recovery) for credit losses

4,034

(178)

579

3,667

20

17

8,139

Charge-offs

(5,057)

—

(416)

—

(9)

(5,482)

Recoveries

73

—

1

—

3

77

Ending balance

$

42,965

$

9,567

$

13,667

$

24,326

$

2,380

$

284

$

93,189


	At or for the Three Months Ended June 30, 2024
			One-to-Four
			Family		Multifamily
			Residential and		Residential
			Cooperative/		and		Non-Owner-Occupied
	Business		Condominium		Residential		Commercial				Other
(In thousands)	Loans		Apartment		Mixed-Use		Real Estate		ADC		Loans		Total
Allowance for credit losses:
Beginning balance	$	35,981	$	6,973	$	11,171	$	19,445	$	2,322	$	176	$	76,068
Provision (recovery) for credit losses		2,212		332		3,737		(1,105)		133		75		5,384
Charge-offs		(1,179)		—		(2,551)		—		—		(15)		(3,745)
Recoveries		101		—		—		—		—		4		105
Ending balance	$	37,115	$	7,305	$	12,357	$	18,340	$	2,455	$	240	$	77,812

At or for the Six Months Ended June 30, 2025

One-to-Four

Family

Multifamily

Residential and

Residential

Cooperative/

and

Non-Owner-Occupied

Business

Condominium

Residential

Commercial

Other

(In thousands)

Loans

Apartment

Mixed-Use

Real Estate

ADC

Loans

Total

Allowance for credit losses:

Beginning balance

$

42,898

$

9,501

$

11,946

$

21,876

$

2,323

$

207

$

88,751

Provision for credit losses

4,965

110

1,720

9,948

57

101

16,901

Charge-offs

(5,233)

(44)

—

(7,498)

—

(44)

(12,819)

Recoveries

335

—

1

—

20

356

Ending balance

$

42,965

$

9,567

$

13,667

$

24,326

$

2,380

$

284

$

93,189


	At or for the Six Months Ended June 30, 2024
			One-to-Four
			Family		Multifamily
			Residential and		Residential
			Cooperative/		and		Non-Owner-Occupied
	Business		Condominium		Residential		Commercial				Other
(In thousands)	Loans		Apartment		Mixed-Use		Real Estate		ADC		Loans		Total
Allowance for credit losses:
Beginning balance	$	35,962	$	6,813	$	7,237	$	19,623	$	1,989	$	119	$	71,743
Provision (recovery) for credit losses		2,946		492		7,671		(1,283)		466		156		10,448
Charge-offs		(1,975)		—		(2,551)		—		—		(45)		(4,571)
Recoveries		182		—		—		—		—		10		192
Ending balance	$	37,115	$	7,305	$	12,357	$	18,340	$	2,455	$	240	$	77,812

Schedule of past due financing receivables

June 30, 2025

Loans 90

Days or

Total

30 to 59

60 to 89

More Past Due

Past Due

Days

and Still

and

Total

(In thousands)

Past Due

Accruing Interest

Non-accrual

Current

Loans

Business loans

$

5,547

$

5,746

$

—

$

18,007

$

29,300

$

2,872,648

$

2,901,948

One-to-four family residential and cooperative/condominium apartment

1,109

—

1,642

2,751

995,695

998,446

Multifamily residential and residential mixed-use

21,314

27,605

—

48,919

3,644,506

3,693,425

Non-owner-occupied commercial real estate

177

—

32,908

33,085

3,095,035

3,128,120

ADC

—

657

141,098

141,755

Other loans

1

—

2

6,334

6,336

Total

$

28,148

$

33,352

$

—

$

53,214

$

114,714

$

10,755,316

$

10,870,030


	December 31, 2024
					Loans 90
					Days or				Total
	30 to 59		60 to 89		More Past Due				Past Due
	Days		Days		and Still				and				Total
(In thousands)	Past Due		Past Due		Accruing Interest		Non-accrual		Non-accrual		Current		Loans
Business loans	$	3,385	$	2,441	$	—	$	22,624	$	28,450	$	2,697,276	$	2,725,726
One-to-four family residential and cooperative/condominium apartment		1,919		1,271		—		3,213		6,403		945,125		951,528
Multifamily residential and residential mixed-use		3,759		27,601		—		—		31,360		3,788,923		3,820,283
Non-owner-occupied commercial real estate		1,265		—		—		22,960		24,225		3,206,310		3,230,535
ADC		—		—		—		657		657		135,515		136,172
Other loans		2		—		—		25		27		5,057		5,084
Total	$	10,330	$	31,313	$	—	$	49,479	$	91,122	$	10,778,206	$	10,869,328

Schedule of amortized cost basis of loans modified to borrowers

For the Three Months Ended June 30, 2025

Significant

Term

Payment

Term

Extension

Delay

Extension

% of

and

Total

Significant

Interest

Class of

Term

Payment

Rate

Financing

(Dollars in thousands)

Extension

Delay

Reduction

Total

Receivable

Business loans

$

52

$

—

$

—

$

—

$

—

$

52

0.0

%

Multifamily residential and residential mixed-use

—

22,262

—

6,469

—

28,731

0.8

Total

$

52

$

22,262

$

—

$

6,469

$

—

$

28,783

0.3

%


	For the Three Months Ended June 30, 2024
							Significant
					Term		Payment		Term
					Extension		Delay		Extension				% of
					and		and		and				Total
			Significant		Significant		Interest		Interest				Class of
	Term		Payment		Payment		Rate		Rate				Financing
(Dollars in thousands)	Extension		Delay		Delay		Reduction		Reduction		Total		Receivable
Business loans	$	1,200	$	—	$	—	$	—	$	—	$	1,200	0.0	%
One-to-four family residential and cooperative/condominium apartment		—		—		—		—		904		904	0.1
Total	$	1,200	$	—	$	—	$	—	$	904	$	2,104	0.0	%


	For the Six Months Ended June 30, 2025
					Term Extension		Significant Payment Delay		Term Extension				% of
			Significant		and Significant		and Interest		and Interest				Total Class of
(Dollars in thousands)	Term Extension		Payment Delay		Payment Delay		Rate Reduction		Rate Reduction		Total		Financing Receivable
Business loans	$	52	$	506	$	—	$	—	$	13,942	$	14,500	0.5	%
Multifamily residential and residential mixed-use		—		49,867		—		6,469		—		56,336	1.5
Non-owner-occupied commercial real estate		—		27,755		—		14,987		—		42,742	1.4
Total	$	52	$	78,128	$	—	$	21,456	$	13,942	$	113,578	1.0	%


	For the Six Months Ended June 30, 2024
									Significant
					Term Extension		Significant Payment Delay		Payment Delay, Term Extension				% of
			Significant		and Significant		and Interest		and Interest				Total Class of
(Dollars in thousands)	Term Extension		Payment Delay		Payment Delay		Rate Reduction		Rate Reduction		Total		Financing Receivable
Business loans	$	1,340	$	1,201	$	288	$	28	$	—	$	2,857	0.1	%
One-to-four family residential and cooperative/condominium apartment		—		—		421		—		904		1,325	0.1
Multifamily residential and residential mixed-use		—		52,290		—		—		—		52,290	1.3
Non-owner-occupied commercial real estate		—		31,093		—		—		—		31,093	0.9
Total	$	1,340	$	84,584	$	709	$	28	$	904	$	87,565	0.8	%

Schedule of performance of loans that have been modified

June 30, 2025

30-59

60-89

90+

(In thousands)

Current

Days Past Due

Non-Accrual

Total

Business loans

$

18,481

$

—

$

—

$

—

$

282

$

18,763

Multifamily residential and residential mixed-use

28,731

—

27,605

—

56,336

Non-owner-occupied commercial real estate

27,755

—

14,987

42,742

Total

$

74,967

$

—

$

27,605

$

—

$

15,269

$

117,841


	June 30, 2024
			30-59		60-89		90+
(In thousands)	Current		Days Past Due		Days Past Due		Days Past Due		Non-Accrual		Total
Business loans	$	3,743	$	—	$	—	$	—	$	1,727	$	5,470
One-to-four family residential and cooperative/condominium apartment		3,389		—		—		—		904		4,293
Multifamily residential and residential mixed-use		24,713		—		27,577		—		—		52,290
Non-owner-occupied commercial real estate		55,801		—		—		—		—		55,801
Total	$	87,646	$	—	$	27,577	$	—	$	2,631	$	117,854