For the Three Months Ended

For the Nine Months Ended

September 30,

2025

2024

2025

2024

(Dollars in thousands, except per share data)

Net income applicable to common shares

$

15,362

$

8,383

$

42,596

$

26,537

Average number of common shares outstanding

39,902,365

42,705,729

41,099,086

42,705,729

Less: average unallocated ESOP shares

(3,245,635)

(3,416,458)

(3,245,635)

(3,282,515)

Less: average unallocated restricted stock awards

(1,284,525)

—

(752,835)

—

Average number of common shares outstanding used to calculate basic EPS

35,372,205

39,289,271

37,100,616

39,423,214

Common stock equivalents

207,251

—

188,733

—

Average number of common shares outstanding used to calculate diluted EPS

35,579,456

39,289,271

37,289,349

39,423,214

Earnings per common share - basic

$

0.43

$

0.21

$

1.15

$

0.67

Earnings per common share - diluted

$

0.43

$

0.21

$

1.14

$

0.67