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Loans Receivable, Net (Tables) | 6 Months Ended
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Jun. 30, 2026
Receivables [Abstract] |
Schedule of Loans Receivable, Net | Loans receivable, net at June 30, 2026 and December 31, 2025 consisted of the following (in thousands):
| June 30, |  | December 31,
| 2026 |  | 2025
Commercial: |  |  |
Commercial real estate – investor | $ | 9,125,313 |  |  | $ | 5,420,989 |
Commercial and industrial: |  |  |
Commercial and industrial – real estate | 1,800,501 |  |  | 986,431 |
Commercial and industrial – non-real estate | 1,907,719 |  |  | 1,227,556 |
Total commercial and industrial | 3,708,220 |  |  | 2,213,987 |
Total commercial | 12,833,533 |  |  | 7,634,976 |
Consumer: |  |  |
Residential real estate | 3,245,311 |  |  | 3,194,264 |
Other consumer | 196,908 |  |  | 202,763 |
Total consumer | 3,442,219 |  |  | 3,397,027 |
Total loans receivable | 16,275,752 |  |  | 11,032,003 |
Deferred origination costs, net of fees | 20,496 |  |  | 22,389 |
Allowance for loan credit losses | (209,716) |  |  | (83,726) |
Total loans receivable, net | $ | 16,086,532 |  |  | $ | 10,970,666 |
Schedule of Total Loans by Year of Origination, Internally Assigned Credit Grades, Risk Characteristics and Gross Charge-Offs | The following tables summarize total loans (in thousands) by year of origination, internally assigned credit grades, and risk characteristics. The tables also include gross charge-offs that were recorded for the year to date periods presented, by year of origination (in thousands):
|  | 2026 |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 and prior |  | Revolving lines of credit |  |  |  | Total
As of June 30, 2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - investor |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 446,641 |  |  | $ | 905,946 |  |  | $ | 331,635 |  |  | $ | 499,793 |  |  | $ | 1,551,649 |  |  | $ | 4,297,144 |  |  | $ | 778,091 |  |  |  |  | $ | 8,810,899 |
Special Mention |  | — |  |  | 9,630 |  |  | — |  |  | — |  |  | 3,948 |  |  | 56,288 |  |  | 2,934 |  |  |  |  | 72,800 |
Substandard |  | — |  |  | — |  |  | — |  |  | 1,618 |  |  | 24,905 |  |  | 209,719 |  |  | 5,372 |  |  |  |  | 241,614 |
Total commercial real estate - investor |  | 446,641 |  |  | 915,576 |  |  | 331,635 |  |  | 501,411 |  |  | 1,580,502 |  |  | 4,563,151 |  |  | 786,397 |  |  |  |  | 9,125,313 |
Gross charge-offs |  | (351) |  |  | — |  |  | (85) |  |  | (411) |  |  | (119) |  |  | (84) |  |  | — |  |  |  |  | (1,050) |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial - real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 191,430 |  |  | 298,000 |  |  | 86,198 |  |  | 106,205 |  |  | 215,867 |  |  | 754,794 |  |  | 41,385 |  |  |  |  | 1,693,879 |
Special Mention |  | 273 |  |  | 2,646 |  |  | 8,823 |  |  | — |  |  | — |  |  | 332 |  |  | — |  |  |  |  | 12,074 |
Substandard |  | — |  |  | 17,975 |  |  | 33,360 |  |  | — |  |  | — |  |  | 43,132 |  |  | 81 |  |  |  |  | 94,548 |
Total commercial and industrial - real estate |  | 191,703 |  |  | 318,621 |  |  | 128,381 |  |  | 106,205 |  |  | 215,867 |  |  | 798,258 |  |  | 41,466 |  |  |  |  | 1,800,501 |
Gross charge-offs |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |
Commercial and industrial - non-real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 267,865 |  |  | 385,265 |  |  | 207,236 |  |  | 79,583 |  |  | 68,357 |  |  | 86,685 |  |  | 735,542 |  |  |  |  | 1,830,533 |
Special Mention |  | 175 |  |  | 9,510 |  |  | 7,643 |  |  | 14,620 |  |  | 869 |  |  | 1,541 |  |  | 12,779 |  |  |  |  | 47,137 |
Substandard |  | — |  |  | 4,358 |  |  | 481 |  |  | — |  |  | 1,179 |  |  | 1,732 |  |  | 22,299 |  |  |  |  | 30,049 |
Total commercial and industrial - non-real estate |  | 268,040 |  |  | 399,133 |  |  | 215,360 |  |  | 94,203 |  |  | 70,405 |  |  | 89,958 |  |  | 770,620 |  |  |  |  | 1,907,719 |
Gross charge-offs |  | — |  |  | (178) |  |  | (893) |  |  | — |  |  | — |  |  | (73) |  |  | — |  |  |  |  | (1,144) |
Total commercial and industrial |  | 459,743 |  |  | 717,754 |  |  | 343,741 |  |  | 200,408 |  |  | 286,272 |  |  | 888,216 |  |  | 812,086 |  |  |  |  | 3,708,220 |
Residential real estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 13,407 |  |  | 466,545 |  |  | 228,453 |  |  | 270,909 |  |  | 509,877 |  |  | 1,748,890 |  |  | — |  |  |  |  | 3,238,081 |
Special Mention |  | — |  |  | 1,220 |  |  | 896 |  |  | 833 |  |  | 116 |  |  | 1,567 |  |  | — |  |  |  |  | 4,632 |
Substandard |  | — |  |  | 179 |  |  | — |  |  | 333 |  |  | — |  |  | 2,086 |  |  | — |  |  |  |  | 2,598 |
Total residential real estate |  | 13,407 |  |  | 467,944 |  |  | 229,349 |  |  | 272,075 |  |  | 509,993 |  |  | 1,752,543 |  |  | — |  |  |  |  | 3,245,311 |
Gross charge-offs |  | — |  |  | (47) |  |  | (107) |  |  | (3) |  |  | (28) |  |  | (198) |  |  | — |  |  |  |  | (383) |
Other consumer (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | — |  |  | 29,063 |  |  | 22,536 |  |  | 20,739 |  |  | 12,185 |  |  | 110,346 |  |  | 136 |  |  |  |  | 195,005 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 62 |  |  | — |  |  |  |  | 62 |
Substandard |  | — |  |  | — |  |  | — |  |  | 85 |  |  | — |  |  | 1,756 |  |  | — |  |  |  |  | 1,841 |
Total other consumer |  | — |  |  | 29,063 |  |  | 22,536 |  |  | 20,824 |  |  | 12,185 |  |  | 112,164 |  |  | 136 |  |  |  |  | 196,908 |
Gross charge-offs |  | — |  |  | — |  |  | (29) |  |  | — |  |  | (5) |  |  | (121) |  |  | — |  |  |  |  | (155) |
Total loans |  | $ | 919,791 |  |  | $ | 2,130,337 |  |  | $ | 927,261 |  |  | $ | 994,718 |  |  | $ | 2,388,952 |  |  | $ | 7,316,074 |  |  | $ | 1,598,619 |  |  |  |  | $ | 16,275,752 |
Total gross charge-offs |  | $ | (351) |  |  | $ | (225) |  |  | $ | (1,114) |  |  | $ | (414) |  |  | $ | (152) |  |  | $ | (476) |  |  | $ | — |  |  |  |  | $ | (2,732) |
(1)For residential real estate and other consumer loans, the Company evaluates credit quality based on the aging status of the loan and by payment activity.
|  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 and prior |  | Revolving lines of credit |  | Total
As of December 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - investor |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 647,529 |  |  | $ | 65,950 |  |  | $ | 166,397 |  |  | $ | 1,161,291 |  |  | $ | 1,299,618 |  |  | $ | 1,427,844 |  |  | $ | 579,022 |  |  | $ | 5,347,651 |
Special Mention |  | 66 |  |  | — |  |  | — |  |  | 2,932 |  |  | — |  |  | 8,735 |  |  | 725 |  |  | 12,458 |
Substandard |  | — |  |  | 85 |  |  | — |  |  | 20,788 |  |  | 298 |  |  | 33,969 |  |  | 5,740 |  |  | 60,880 |
Total commercial real estate - investor |  | 647,595 |  |  | 66,035 |  |  | 166,397 |  |  | 1,185,011 |  |  | 1,299,916 |  |  | 1,470,548 |  |  | 585,487 |  |  | 5,420,989 |
Gross charge-offs |  | (102) |  |  | (310) |  |  | (1,938) |  |  | (649) |  |  | (24) |  |  | (511) |  |  | — |  |  | (3,534) |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial - real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 255,690 |  |  | 74,284 |  |  | 58,970 |  |  | 90,142 |  |  | 59,476 |  |  | 403,738 |  |  | 31,844 |  |  | 974,144 |
Special Mention |  | — |  |  | 250 |  |  | — |  |  | — |  |  | — |  |  | 731 |  |  | — |  |  | 981 |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,306 |  |  | — |  |  | 11,306 |
Total commercial and industrial - real estate |  | 255,690 |  |  | 74,534 |  |  | 58,970 |  |  | 90,142 |  |  | 59,476 |  |  | 415,775 |  |  | 31,844 |  |  | 986,431 |
Gross charge-offs |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial - non-real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 325,180 |  |  | 181,538 |  |  | 40,761 |  |  | 30,417 |  |  | 8,314 |  |  | 35,057 |  |  | 589,300 |  |  | 1,210,567 |
Special Mention |  | 39 |  |  | 224 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 690 |  |  | 953 |
Substandard |  | — |  |  | 528 |  |  | 553 |  |  | 776 |  |  | 649 |  |  | 1,774 |  |  | 11,756 |  |  | 16,036 |
Total commercial and industrial - non-real estate |  | 325,219 |  |  | 182,290 |  |  | 41,314 |  |  | 31,193 |  |  | 8,963 |  |  | 36,831 |  |  | 601,746 |  |  | 1,227,556 |
Gross charge-offs |  | — |  |  | (815) |  |  | — |  |  | (20) |  |  | — |  |  | — |  |  | — |  |  | (835) |
Total commercial and industrial |  | 580,909 |  |  | 256,824 |  |  | 100,284 |  |  | 121,335 |  |  | 68,439 |  |  | 452,606 |  |  | 633,590 |  |  | 2,213,987 |
Residential real estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 471,828 |  |  | 225,885 |  |  | 209,979 |  |  | 501,308 |  |  | 743,610 |  |  | 1,034,301 |  |  | — |  |  | 3,186,911 |
Special Mention |  | 218 |  |  | 121 |  |  | 345 |  |  | 265 |  |  | 1,432 |  |  | 1,298 |  |  | — |  |  | 3,679 |
Substandard |  | 207 |  |  | 1,590 |  |  | 396 |  |  | 93 |  |  | 445 |  |  | 943 |  |  | — |  |  | 3,674 |
Total residential real estate |  | 472,253 |  |  | 227,596 |  |  | 210,720 |  |  | 501,666 |  |  | 745,487 |  |  | 1,036,542 |  |  | — |  |  | 3,194,264 |
Gross charge-offs |  | (37) |  |  | (218) |  |  | (106) |  |  | (319) |  |  | (345) |  |  | (426) |  |  | — |  |  | (1,451) |
Other consumer (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 27,971 |  |  | 24,292 |  |  | 23,141 |  |  | 13,697 |  |  | 15,086 |  |  | 93,425 |  |  | 3,242 |  |  | 200,854 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | 8 |  |  | 82 |  |  | — |  |  | 90 |
Substandard |  | — |  |  | 190 |  |  | 181 |  |  | 67 |  |  | — |  |  | 1,381 |  |  | — |  |  | 1,819 |
Total other consumer |  | 27,971 |  |  | 24,482 |  |  | 23,322 |  |  | 13,764 |  |  | 15,094 |  |  | 94,888 |  |  | 3,242 |  |  | 202,763 |
Gross charge-offs |  | — |  |  | — |  |  | — |  |  | (48) |  |  | — |  |  | (385) |  |  | — |  |  | (433) |
Total loans |  | $ | 1,728,728 |  |  | $ | 574,937 |  |  | $ | 500,723 |  |  | $ | 1,821,776 |  |  | $ | 2,128,936 |  |  | $ | 3,054,584 |  |  | $ | 1,222,319 |  |  | $ | 11,032,003 |
Total gross charge-offs |  | $ | (139) |  |  | $ | (1,343) |  |  | $ | (2,044) |  |  | $ | (1,036) |  |  | $ | (369) |  |  | $ | (1,322) |  |  | $ | — |  |  | $ | (6,253) |
(1)For residential real estate and other consumer loans, the Company evaluates credit quality based on the aging status of the loan and by payment activity.
Schedule of Analysis of Allowance for Credit Losses on Loans | An analysis of the allowance for credit losses on loans for the three and six months ended June 30, 2026 and 2025 was as follows (in thousands):
|  |  |  | Commercial and Industrial |  |  |  |  |  |  |  |
|  | Commercial Real Estate – Investor |  | Commercial and Industrial - Real Estate |  | Commercial and Industrial - Non-Real Estate |  | Residential Real Estate |  | Other Consumer |  |  |  | Total
For the three months ended June 30, 2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 29,014 |  |  | $ | 7,293 |  |  | $ | 23,663 |  |  | $ | 25,140 |  |  | $ | 1,000 |  |  |  |  | $ | 86,110 |
Provision (benefit) for credit losses |  | 3,458 |  |  | (1,709) |  |  | 974 |  |  | 1,123 |  |  | (57) |  |  |  |  | 3,789 |
Initial allowance for credit losses on acquired loans from Flushing (1) |  | 85,748 |  |  | 15,796 |  |  | 18,606 |  |  | 966 |  |  | 215 |  |  |  |  | 121,331 |
Charge-offs |  | (966) |  |  | — |  |  | (342) |  |  | (354) |  |  | (114) |  |  |  |  | (1,776) |
Recoveries |  | 100 |  |  | 17 |  |  | 117 |  |  | 2 |  |  | 26 |  |  |  |  | 262 |
Balance at end of period |  | $ | 117,354 |  |  | $ | 21,397 |  |  | $ | 43,018 |  |  | $ | 26,877 |  |  | $ | 1,070 |  |  |  |  | $ | 209,716 |
For the three months ended June 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 33,947 |  |  | $ | 4,102 |  |  | $ | 12,837 |  |  | $ | 26,810 |  |  | $ | 1,102 |  |  |  |  | $ | 78,798 |
Provision (benefit) for credit losses |  | 690 |  |  | (179) |  |  | 1,951 |  |  | 108 |  |  | 116 |  |  |  |  | 2,686 |
Charge-offs |  | (1,791) |  |  | — |  |  | — |  |  | (370) |  |  | (254) |  |  |  |  | (2,415) |
Recoveries |  | 80 |  |  | 11 |  |  | 34 |  |  | 22 |  |  | 50 |  |  |  |  | 197 |
Balance at end of period |  | $ | 32,926 |  |  | $ | 3,934 |  |  | $ | 14,822 |  |  | $ | 26,570 |  |  | $ | 1,014 |  |  |  |  | $ | 79,266 |
For the six months ended June 30, 2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 29,944 |  |  | $ | 4,753 |  |  | $ | 23,376 |  |  | $ | 24,680 |  |  | $ | 973 |  |  |  |  | $ | 83,726 |
Provision (benefit) for credit losses |  | 2,604 |  |  | 828 |  |  | 1,924 |  |  | 1,591 |  |  | (73) |  |  |  |  | 6,874 |
Initial allowance for credit losses on acquired loans from Flushing (1) |  | 85,748 |  |  | 15,796 |  |  | 18,606 |  |  | 966 |  |  | 215 |  |  |  |  | 121,331 |
Charge-offs |  | (1,050) |  |  | — |  |  | (1,144) |  |  | (383) |  |  | (155) |  |  |  |  | (2,732) |
Recoveries |  | 108 |  |  | 20 |  |  | 256 |  |  | 23 |  |  | 110 |  |  |  |  | 517 |
Balance at end of period |  | $ | 117,354 |  |  | $ | 21,397 |  |  | $ | 43,018 |  |  | $ | 26,877 |  |  | $ | 1,070 |  |  |  |  | $ | 209,716 |
For the six months ended June 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 30,780 |  |  | $ | 3,817 |  |  | $ | 10,471 |  |  | $ | 27,587 |  |  | $ | 952 |  |  |  |  | $ | 73,607 |
Provision (benefit) for credit losses |  | 3,837 |  |  | 103 |  |  | 4,315 |  |  | 51 |  |  | 207 |  |  |  |  | 8,513 |
Charge-offs |  | (1,846) |  |  | — |  |  | — |  |  | (1,092) |  |  | (275) |  |  |  |  | (3,213) |
Recoveries |  | 155 |  |  | 14 |  |  | 36 |  |  | 24 |  |  | 130 |  |  |  |  | 359 |
Balance at end of period |  | $ | 32,926 |  |  | $ | 3,934 |  |  | $ | 14,822 |  |  | $ | 26,570 |  |  | $ | 1,014 |  |  |  |  | $ | 79,266 |
(1)The allowance for credit losses for the three and six months ended June 30, 2026 reflects the initial allowance recorded on purchased seasoned loans and purchased credit deteriorated loans acquired in the Flushing merger, in accordance with ASU 2025-08.
Schedule of Recorded Investment in Non-Accrual Loans, by Loan Portfolio Segment | The following table presents the recorded investment in non-accrual loans, by loan portfolio segment as of June 30, 2026 and December 31, 2025 (in thousands):
| June 30, |  | December 31,
| 2026 |  | 2025
Commercial real estate – investor | $ | 76,721 |  |  | $ | 13,636 |
Commercial and industrial: |  |  |
Commercial and industrial - real estate | 16,980 |  |  | 4,813 |
Commercial and industrial - non-real estate | 5,045 |  |  | 640 |
Total commercial and industrial | 22,025 |  |  | 5,453 |
Residential real estate | 7,043 |  |  | 6,200 |
Other consumer | 2,452 |  |  | 2,502 |
Total non-performing loans | $ | 108,241 |  |  | $ | 27,791 |
Schedule of Aging of Recorded Investment in Past Due Loans by Loan Portfolio Segment | The following table presents the aging of the recorded investment in past due loans as of June 30, 2026 and December 31, 2025 by loan portfolio segment (in thousands):
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or Greater Past Due |  | Total Past Due |  | Loans Not Past Due |  | Total
June 30, 2026 |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – investor | $ | 12,168 |  |  | $ | 22,563 |  |  | $ | 52,162 |  |  | $ | 86,893 |  |  | $ | 9,038,420 |  |  | $ | 9,125,313 |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial - real estate | 806 |  |  | 650 |  |  | 15,661 |  |  | 17,117 |  |  | 1,783,384 |  |  | 1,800,501 |
Commercial and industrial - non-real estate | 1,741 |  |  | 2,655 |  |  | 3,374 |  |  | 7,770 |  |  | 1,899,949 |  |  | 1,907,719 |
Total commercial and industrial | 2,547 |  |  | 3,305 |  |  | 19,035 |  |  | 24,887 |  |  | 3,683,333 |  |  | 3,708,220 |
Residential real estate | 1,002 |  |  | 4,465 |  |  | 2,598 |  |  | 8,065 |  |  | 3,237,246 |  |  | 3,245,311 |
Other consumer | 1,013 |  |  | 34 |  |  | 1,842 |  |  | 2,889 |  |  | 194,019 |  |  | 196,908 |
Total loans | $ | 16,730 |  |  | $ | 30,367 |  |  | $ | 75,637 |  |  | $ | 122,734 |  |  | $ | 16,153,018 |  |  | $ | 16,275,752 |
December 31, 2025 |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – investor | $ | 25,516 |  |  | $ | 974 |  |  | $ | 12,333 |  |  | $ | 38,823 |  |  | $ | 5,382,166 |  |  | $ | 5,420,989 |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial - real estate | 587 |  |  | — |  |  | 4,281 |  |  | 4,868 |  |  | 981,563 |  |  | 986,431 |
Commercial and industrial - non-real estate | 1,220 |  |  | 235 |  |  | 578 |  |  | 2,033 |  |  | 1,225,523 |  |  | 1,227,556 |
Total commercial and industrial | 1,807 |  |  | 235 |  |  | 4,859 |  |  | 6,901 |  |  | 2,207,086 |  |  | 2,213,987 |
Residential real estate | 14,517 |  |  | 3,672 |  |  | 3,673 |  |  | 21,862 |  |  | 3,172,402 |  |  | 3,194,264 |
Other consumer | 1,027 |  |  | 60 |  |  | 1,819 |  |  | 2,906 |  |  | 199,857 |  |  | 202,763 |
Total loans | $ | 42,867 |  |  | $ | 4,941 |  |  | $ | 22,684 |  |  | $ | 70,492 |  |  | $ | 10,961,511 |  |  | $ | 11,032,003 |
Schedule of Modified and Troubled Debt Restructuring Loans | The following table presents loan modifications made to borrowers experiencing financial difficulty during the three and six months ended June 30, 2026 and 2025 (in thousands):
|  |  |  | Interest Rate Reduction |  | Combination of Term Extension and Interest Rate Reduction |  |  |  |  |  | Total |  | % of Total by Loan Portfolio Segment
For the three months ended June 30, 2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – investor |  |  |  | $ | 1,695 |  |  | $ | — |  |  |  |  |  |  | $ | 1,695 |  |  | 0.02 | %
|  |  |  | $ | 1,695 |  |  | $ | — |  |  |  |  |  |  | $ | 1,695 |  |  | 0.01 | %
For the six months ended June 30, 2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – investor |  |  |  | $ | 1,695 |  |  | $ | — |  |  |  |  |  |  | $ | 1,695 |  |  | 0.02 | %
Residential real estate |  |  |  | — |  |  | 102 |  |  |  |  |  |  | 102 |  |  | — |
|  |  |  | $ | 1,695 |  |  | $ | 102 |  |  |  |  |  |  | $ | 1,797 |  |  | 0.01 | %
|  | Term Extension |  |  |  |  |  | Combination of Term Extension and Other Than Insignificant Payment Delay |  |  |  | Total |  | % of Total by Loan Portfolio Segment |  |
For the three months ended June 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – investor |  | $ | — |  |  |  |  |  |  | $ | 4,449 |  |  |  |  | $ | 4,449 |  |  | 0.09 | % |  |
|  | $ | — |  |  |  |  |  |  | $ | 4,449 |  |  |  |  | $ | 4,449 |  |  | 0.04 | % |  |
For the six months ended June 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – investor |  | $ | 5,067 |  |  |  |  |  |  | $ | 4,449 |  |  |  |  | $ | 9,516 |  |  | 0.19 | % |  |
|  | $ | 5,067 |  |  |  |  |  |  | $ | 4,449 |  |  |  |  | $ | 9,516 |  |  | 0.09 | % |  |
The following table provides the performance of loans modified to borrowers experiencing financial difficulty during the twelve months ended June 30, 2026 and 2025 (in thousands):
|  | Current |  |  |  | 90 Days or Greater past due |  | Total
June 30, 2026 |  |  |  |  |  |  |  |
Commercial real estate – investor |  | $ | 1,695 |  |  |  |  | $ | 949 |  | (1) | $ | 2,644 |
Residential real estate |  | 102 |  |  |  |  | — |  |  | 102 |
|  | $ | 1,797 |  |  |  |  | $ | 949 |  |  | $ | 2,746 |
June 30, 2025 |  |  |  |  |  |  |  |
Commercial real estate – investor |  | $ | 16,805 |  |  |  |  | $ | — |  |  | $ | 16,805 |
|  | $ | 16,805 |  |  |  |  | $ | — |  |  | $ | 16,805 |
(1) Represents one commercial real estate - investor loan that defaulted during the three months ended June 30, 2026, which had been modified within the last 12 months.

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