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Loans (Tables)

12 Months Ended

Dec. 31, 2023

Receivables [Abstract]

Summary of Loans, Net of Unearned Income

The Company’s loans, net of unearned income, consisted of the following as of December 31 of the years indicated.

(dollars in thousands)						2023						2022
Real estate loans:
One- to four-family first mortgage						$	433,401					$	389,616
Home equity loans and lines						68,977						61,863
Commercial real estate						1,192,691						1,152,537
Construction and land						340,724						313,175
Multi-family residential						107,263						100,588
Total real estate loans						2,143,056						2,017,779
Other loans:
Commercial and industrial						405,659						377,894
Consumer						32,923						35,077
Total other loans						438,582						412,971
Total loans						$	2,581,638					$	2,430,750

The table below summarizes collateral dependent loans and the related ACL as of the periods indicated for which the borrower was experiencing financial difficulty.

						December 31, 2023												December 31, 2022
(dollars in thousands)						Loans						ACL						Loans						ACL
One- to four-family first mortgage						$	—					$	—					$	—					$	—
Home equity loans and lines						—						—						—						—
Commercial real estate						3,957						201						4,743						550
Construction and land						147						123						—						—
Multi-family residential						—						—						—						—
Commercial and industrial						112						95						204						171
Consumer						—						—						86						—
Total						$	4,216					$	419					$	5,033					$	721

Summary of Activity in Allowance for Loan Losses

A summary of activity in the ACL for the years ended December 31, 2023, 2022 and 2021 follows.

						For the Year Ended December 31, 2023
(dollars in thousands)						Beginning Balance												Charge-offs						Recoveries						Provision (Reversal)						Ending Balance
Allowance for credit losses:
One- to four-family first mortgage						$	2,883											$	(12)					$	43					$	341					$	3,255
Home equity loans and lines						624												—						6						58						688
Commercial real estate						13,814												(29)						100						920						14,805
Construction and land						4,680												—						—						735						5,415
Multi-family residential						572												—						—						(98)						474
Commercial and industrial						6,024												(255)						180						217						6,166
Consumer						702												(175)						39						168						734
Total allowance for loan losses						$	29,299											$	(471)					$	368					$	2,341					$	31,537
Unfunded lending commitments						2,093												—						—						501						2,594
Total allowance for credit losses						$	31,392											$	(471)					$	368					$	2,842					$	34,131

						For the Year Ended December 31, 2022
(dollars in thousands)						Beginning Balance												Allowance for Acquired PCD Loans						Charge-offs						Recoveries						Provision (Reversal)						Ending Balance
Allowance for credit losses:
One- to four-family first mortgage						$	1,944											$	—					$	(80)					$	39					$	980					$	2,883
Home equity loans and lines						508												—						—						14						102						624
Commercial real estate						10,454												1,220						(270)						—						2,410						13,814
Construction and land						3,572												—						—						—						1,108						4,680
Multi-family residential						457												—						—						—						115						572
Commercial and industrial						3,520												195						(792)						509						2,592						6,024
Consumer						634												—						(256)						142						182						702
Total allowance for loan losses						$	21,089											$	1,415					$	(1,398)					$	704					$	7,489					$	29,299
Unfunded lending commitments						1,815												—						—						—						278						2,093
Total allowance for credit losses						$	22,904											$	1,415					$	(1,398)					$	704					$	7,767					$	31,392

						For the Year Ended December 31, 2021
(dollars in thousands)						Beginning Balance												Charge-offs						Recoveries						Provision (Reversal)						Ending Balance
Allowance for credit losses:
One- to four-family first mortgage						$	3,065											$	(176)					$	45					$	(990)					$	1,944
Home equity loans and lines						676												(6)						25						(187)						508
Commercial real estate						18,851												(1,337)						—						(7,060)						10,454
Construction and land						4,155												—						63						(646)						3,572
Multi-family residential						1,077												—						—						(620)						457
Commercial and industrial						4,276												(599)						313						(470)						3,520
Consumer						863												(187)						146						(188)						634
Total allowance for loan losses						$	32,963											$	(2,305)					$	592					$	(10,161)					$	21,089
Unfunded lending commitments						1,425												—						—						390						1,815
Total allowance for credit losses						$	34,388											$	(2,305)					$	592					$	(9,771)					$	22,904

The table below summarizes collateral dependent loans and the related ACL as of the periods indicated for which the borrower was experiencing financial difficulty.

						December 31, 2023												December 31, 2022
(dollars in thousands)						Loans						ACL						Loans						ACL
One- to four-family first mortgage						$	—					$	—					$	—					$	—
Home equity loans and lines						—						—						—						—
Commercial real estate						3,957						201						4,743						550
Construction and land						147						123						—						—
Multi-family residential						—						—						—						—
Commercial and industrial						112						95						204						171
Consumer						—						—						86						—
Total						$	4,216					$	419					$	5,033					$	721

Summary of Allowance for Loan Losses and Recorded Investment in Loans

The ACL, which includes the ALL and the ACL on unfunded lending commitments, and recorded investment in loans as of the dates indicated are as follows.

						As of December 31, 2023
(dollars in thousands)						Collectively Evaluated						Individually Evaluated						Total
Allowance for credit losses:
One- to four-family first mortgage						$	3,255					$	—					$	3,255
Home equity loans and lines						688						—						688
Commercial real estate						14,604						201						14,805
Construction and land						5,292						123						5,415
Multi-family residential						474						—						474
Commercial and industrial						6,071						95						6,166
Consumer						734						—						734
Total allowance for loan losses						$	31,118					$	419					$	31,537
Unfunded lending commitments(1)						$	2,594					$	—					$	2,594
Total allowance for credit losses						$	33,712					$	419					$	34,131

						As of December 31, 2023
(dollars in thousands)						Collectively Evaluated						Individually Evaluated(2)						Total
Loans:
One- to four-family first mortgage						$	433,401					$	—					$	433,401
Home equity loans and lines						68,977						—						68,977
Commercial real estate						1,188,734						3,957						1,192,691
Construction and land						340,577						147						340,724
Multi-family residential						107,263						—						107,263
Commercial and industrial						405,547						112						405,659
Consumer						32,923						—						32,923
Total loans						$	2,577,422					$	4,216					$	2,581,638

						As of December 31, 2022
(dollars in thousands)						Collectively Evaluated						Individually Evaluated												Total
Allowance for credit losses:
One- to four-family first mortgage						$	2,883					$	—											$	2,883
Home equity loans and lines						624						—												624
Commercial real estate						13,264						550												13,814
Construction and land						4,680						—												4,680
Multi-family residential						572						—												572
Commercial and industrial						5,853						171												6,024
Consumer						702						—												702
Total allowance for loan losses						$	28,578					$	721											$	29,299
Unfunded lending commitments(3)						$	2,093					$	—											$	2,093
Total allowance for credit losses						$	30,671					$	721											$	31,392

						As of December 31, 2022
(dollars in thousands)						Collectively Evaluated						Individually Evaluated(2)												Total
Loans:
One- to four-family first mortgage						$	389,616					$	—											$	389,616
Home equity loans and lines						61,863						—												61,863
Commercial real estate						1,147,794						4,743												1,152,537
Construction and land						313,175						—												313,175
Multi-family residential						100,588						—												100,588
Commercial and industrial						377,690						204												377,894
Consumer						34,991						86												35,077
Total loans						$	2,425,717					$	5,033											$	2,430,750

(1)At December 31, 2023, $2.6 million of the ACL related to noncancellable unfunded lending commitments of $534.7 million. The ACL on unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition.

(2)PCD loans individually evaluated totaled $1.4 million and $1.5 million at December 31, 2023 and December 31, 2022, respectively.

(3)At December 31, 2022, $2.1 million of the ACL related to noncancellable unfunded lending commitments of $520.7 million. The ACL on unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition.

Summary of Credit Quality Indicators of Loan Portfolio

The following table presents the Company’s loan portfolio by credit quality classification and origination year as of December 31, 2023.

						Term Loans by Origination Year
(dollars in thousands)						2023						2022						2021						2020						2019						Prior						Revolving Loans						Revolving Loans Converted to Term Loans						Total
One- to four-family first mortgage:
Pass						$	94,465					$	106,417					$	72,594					$	33,588					$	27,677					$	91,706					$	3,059					$	458					$	429,964
Special Mention						149						497						188						—						—						34						—						—						868
Substandard						—						165						117						306						60						1,921						—						—						2,569
Doubtful						—						—						—						—						—						—						—						—						—
Total one- to four-family first mortgages						$	94,614					$	107,079					$	72,899					$	33,894					$	27,737					$	93,661					$	3,059					$	458					$	433,401
Current period gross charge-offs						$	—					$	—					$	—					$	—					$	—					$	12					$	—					$	—					$	12
Home equity loans and lines:
Pass						$	1,864					$	1,652					$	1,231					$	760					$	1,117					$	3,138					$	57,768					$	1,240					$	68,770
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						—						—						—						—						150						29						28						207
Doubtful						—						—						—						—						—						—						—						—						—
Total home equity loans and lines						$	1,864					$	1,652					$	1,231					$	760					$	1,117					$	3,288					$	57,797					$	1,268					$	68,977
Current period gross charge-offs						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate:
Pass						$	161,755					$	292,494					$	252,109					$	184,935					$	137,154					$	104,533					$	44,225					$	855					$	1,178,060
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						16						1,441						2,652						5,490						5,032						—						—						14,631
Doubtful						—						—						—						—						—						—						—						—						—
Total commercial real estate loans						$	161,755					$	292,510					$	253,550					$	187,587					$	142,644					$	109,565					$	44,225					$	855					$	1,192,691
Current period gross charge-offs						$	—					$	—					$	—					$	—					$	—					$	29					$	—					$	—					$	29
Construction and land:
Pass						$	121,389					$	150,667					$	33,247					$	6,641					$	7,672					$	4,567					$	5,439					$	—					$	329,622

						Term Loans by Origination Year
(dollars in thousands)						2023						2022						2021						2020						2019						Prior						Revolving Loans						Revolving Loans Converted to Term Loans						Total
Special Mention						929						164						4,635						146						—						—						—						—						5,874
Substandard						—						609						528						—						—						44						4,047						—						5,228
Doubtful						—						—						—						—						—						—						—						—						—
Total construction and land loans						$	122,318					$	151,440					$	38,410					$	6,787					$	7,672					$	4,611					$	9,486					$	—					$	340,724
Current period gross charge-offs						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Multi-family residential:
Pass						$	14,907					$	37,228					$	11,843					$	21,558					$	12,548					$	3,213					$	2,463					$	—					$	103,760
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						—						—						—						—						3,503						—						—						3,503
Doubtful						—						—						—						—						—						—						—						—						—
Total multi-family residential loans						$	14,907					$	37,228					$	11,843					$	21,558					$	12,548					$	6,716					$	2,463					$	—					$	107,263
Current period gross charge-offs						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial and industrial:
Pass						$	73,674					$	79,886					$	30,412					$	10,674					$	4,954					$	3,386					$	191,946					$	7,800					$	402,732
Special Mention						—						784						—						264						—						138						—						—						1,186
Substandard						1,389						38						54						7						2						100						129						22						1,741
Doubtful						—						—						—						—						—						—						—						—						—
Total commercial and industrial loans						$	75,063					$	80,708					$	30,466					$	10,945					$	4,956					$	3,624					$	192,075					$	7,822					$	405,659
Current period gross charge-offs						$	—					$	—					$	—					$	124					$	7					$	—					$	124					$	—					$	255
Consumer:
Pass						$	5,941					$	5,734					$	872					$	887					$	359					$	10,698					$	8,068					$	75					$	32,634
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						13						7						—						7						262						—						—						289
Doubtful						—						—						—						—						—						—						—						—						—
Total consumer loans						$	5,941					$	5,747					$	879					$	887					$	366					$	10,960					$	8,068					$	75					$	32,923
Current period gross charge-offs						$	3					$	34					$	3					$	6					$	—					$	4					$	125					$	—					$	175
Total loans:
Pass						$	473,995					$	674,078					$	402,308					$	259,043					$	191,481					$	221,241					$	312,968					$	10,428					$	2,545,542
Special Mention						1,078						1,445						4,823						410						—						172						—						—						7,928
Substandard						1,389						841						2,147						2,965						5,559						11,012						4,205						50						28,168
Doubtful						—						—						—						—						—						—						—						—						—
Total loans						$	476,462					$	676,364					$	409,278					$	262,418					$	197,040					$	232,425					$	317,173					$	10,478					$	2,581,638
Current period gross charge-offs						$	3					$	34					$	3					$	130					$	7					$	45					$	249					$	—					$	471

The following table presents the Company’s loan portfolio by credit quality classification and origination year as of December 31, 2022.

						Term Loans by Origination Year
(dollars in thousands)						2022						2021						2020						2019						2018						Prior						Revolving Loans						Revolving Loans Converted to Term Loans						Total
One- to four-family first mortgage:
Pass						$	107,546					$	78,744					$	37,876					$	34,114					$	26,455					$	94,729					$	5,387					$	348					$	385,199
Special Mention						150						189						—						—						—						355						—						500						1,194
Substandard						272						56						368						145						372						2,010						—						—						3,223
Doubtful						—						—						—						—						—						—						—						—						—
Total one- to four-family first mortgages						$	107,968					$	78,989					$	38,244					$	34,259					$	26,827					$	97,094					$	5,387					$	848					$	389,616
Home equity loans and lines:
Pass						$	1,898					$	1,453					$	783					$	1,142					$	604					$	3,453					$	51,502					$	995					$	61,830
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						—						—						—						—						33						—						—						33
Doubtful						—						—						—						—						—						—						—						—						—
Total home equity loans and lines						$	1,898					$	1,453					$	783					$	1,142					$	604					$	3,486					$	51,502					$	995					$	61,863
Commercial real estate:
Pass						$	292,894					$	279,397					$	210,983					$	159,169					$	64,554					$	95,083					$	35,918					$	586					$	1,138,584
Special Mention						—						179						345						—						—						—						—						—						524
Substandard						97						—						167						5,579						294						7,292						—						—						13,429
Doubtful						—						—						—						—						—						—						—						—						—
Total commercial real estate loans						$	292,991					$	279,576					$	211,495					$	164,748					$	64,848					$	102,375					$	35,918					$	586					$	1,152,537
Construction and land:
Pass						$	170,744					$	101,321					$	19,620					$	8,912					$	2,534					$	2,716					$	4,434					$	1,727					$	312,008
Special Mention						—						520						—						—						—						—						—						—						520
Substandard						417						—						152						—						—						78						—						—						647
Doubtful						—						—						—						—						—						—						—						—						—
Total construction and land loans						$	171,161					$	101,841					$	19,772					$	8,912					$	2,534					$	2,794					$	4,434					$	1,727					$	313,175
Multi-family residential:
Pass						$	33,822					$	15,775					$	25,661					$	13,070					$	2,241					$	2,491					$	1,302					$	2,840					$	97,202
Special Mention						—						—						—						—						3,312						—						—						—						3,312
Substandard						—						—						—						—						74						—						—						—						74
Doubtful						—						—						—						—						—						—						—						—						—
Total multi-family residential loans						$	33,822					$	15,775					$	25,661					$	13,070					$	5,627					$	2,491					$	1,302					$	2,840					$	100,588
Commercial and industrial:
Pass						$	108,464					$	50,850					$	16,043					$	8,599					$	11,203					$	2,759					$	174,145					$	712					$	372,775
Special Mention						338						—						—						—						7						—						1,188						—						1,533
Substandard						590						—						2,317						8						—						293						328						50						3,586
Doubtful						—						—						—						—						—						—						—						—						—
Total commercial and industrial loans						$	109,392					$	50,850					$	18,360					$	8,607					$	11,210					$	3,052					$	175,661					$	762					$	377,894
Consumer:
Pass						$	10,012					$	2,048					$	1,577					$	536					$	136					$	12,785					$	7,420					$	29					$	34,543
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						9						298						—						—						—						227						—						—						534
Doubtful						—						—						—						—						—						—						—						—						—
Total consumer loans						$	10,021					$	2,346					$	1,577					$	536					$	136					$	13,012					$	7,420					$	29					$	35,077
Total loans:
Pass						$	725,380					$	529,588					$	312,543					$	225,542					$	107,727					$	214,016					$	280,108					$	7,237					$	2,402,141
Special Mention						488						888						345						—						3,319						355						1,188						500						7,083
Substandard						1,385						354						3,004						5,732						740						9,933						328						50						21,526
Doubtful						—						—						—						—						—						—						—						—						—
Total loans						$	727,253					$	530,830					$	315,892					$	231,274					$	111,786					$	224,304					$	281,624					$	7,787					$	2,430,750

Summary of Past Due Loans

Age analysis of past due loans, as of the dates indicated, is as follows.

						December 31, 2023
(dollars in thousands)						30-59 Days Past Due						60-89 Days Past Due						Greater Than 90 Days Past Due						Total Past Due						Current Loans						Total Loans
Originated loans:
Real estate loans:
One- to four-family first mortgage						$	2,867					$	978					$	331					$	4,176					$	354,694					$	358,870
Home equity loans and lines						143						—						35						178						61,105						61,283
Commercial real estate						112						769						—						881						922,843						923,724
Construction and land						432						1						1,136						1,569						312,710						314,279
Multi-family residential						—						—						—						—						103,598						103,598
Total real estate loans						3,554						1,748						1,502						6,804						1,754,950						1,761,754
Other loans:
Commercial and industrial						325						11						189						525						376,739						377,264
Consumer						404						131						—						535						29,947						30,482
Total other loans						729						142						189						1,060						406,686						407,746
Total originated loans						$	4,283					$	1,890					$	1,691					$	7,864					$	2,161,636					$	2,169,500
Acquired loans:
Real estate loans:
One- to four-family first mortgage						$	1,543					$	497					$	467					$	2,507					$	72,024					$	74,531
Home equity loans and lines						19						1						—						20						7,674						7,694
Commercial real estate						—						2,645						—						2,645						266,322						268,967
Construction and land						—						—						15						15						26,430						26,445
Multi-family residential						—						—						—						—						3,665						3,665
Total real estate loans						1,562						3,143						482						5,187						376,115						381,302
Other loans:
Commercial and industrial						271						—						32						303						28,092						28,395
Consumer						12						12						55						79						2,362						2,441
Total other loans						283						12						87						382						30,454						30,836
Total acquired loans						$	1,845					$	3,155					$	569					$	5,569					$	406,569					$	412,138
Total loans:
Real estate loans:
One- to four-family first mortgage						$	4,410					$	1,475					$	798					$	6,683					$	426,718					$	433,401
Home equity loans and lines						162						1						35						198						68,779						68,977
Commercial real estate						112						3,414						—						3,526						1,189,165						1,192,691
Construction and land						432						1						1,151						1,584						339,140						340,724
Multi-family residential						—						—						—						—						107,263						107,263
Total real estate loans						5,116						4,891						1,984						11,991						2,131,065						2,143,056
Other loans:
Commercial and industrial						596						11						221						828						404,831						405,659
Consumer						416						143						55						614						32,309						32,923
Total other loans						1,012						154						276						1,442						437,140						438,582
Total loans						$	6,128					$	5,045					$	2,260					$	13,433					$	2,568,205					$	2,581,638

						December 31, 2022
(dollars in thousands)						30-59 Days Past Due						60-89 Days Past Due						Greater Than 90 Days Past Due						Total Past Due						Current Loans						Total Loans
Originated loans:
Real estate loans:
One- to four-family first mortgage						$	490					$	147					$	646					$	1,283					$	298,547					$	299,830
Home equity loans and lines						40						—						—						40						52,950						52,990
Commercial real estate						3,210						179						27						3,416						853,096						856,512
Construction and land						345						160						147						652						284,740						285,392
Multi-family residential						—						—						—						—						96,400						96,400
Total real estate loans						4,085						486						820						5,391						1,585,733						1,591,124
Other loans:
Commercial and industrial						152						—						210						362						338,418						338,780
Consumer						264						7						191						462						31,059						31,521
Total other loans						416						7						401						824						369,477						370,301
Total originated loans						$	4,501					$	493					$	1,221					$	6,215					$	1,955,210					$	1,961,425
Acquired loans:
Real estate loans:
One- to four-family first mortgage						$	1,591					$	136					$	519					$	2,246					$	87,540					$	89,786
Home equity loans and lines						116						—						1						117						8,756						8,873
Commercial real estate						294						—						566						860						295,165						296,025
Construction and land						—						—						132						132						27,651						27,783
Multi-family residential						—						—						—						—						4,188						4,188
Total real estate loans						2,001						136						1,218						3,355						423,300						426,655
Other loans:
Commercial and industrial						—						225						38						263						38,851						39,114
Consumer						41						3						21						65						3,491						3,556
Total other loans						41						228						59						328						42,342						42,670
Total acquired loans						$	2,042					$	364					$	1,277					$	3,683					$	465,642					$	469,325
Total loans:
Real estate loans:
One- to four-family first mortgage						$	2,081					$	283					$	1,165					$	3,529					$	386,087					$	389,616
Home equity loans and lines						156						—						1						157						61,706						61,863
Commercial real estate						3,504						179						593						4,276						1,148,261						1,152,537
Construction and land						345						160						279						784						312,391						313,175
Multi-family residential						—						—						—						—						100,588						100,588
Total real estate loans						6,086						622						2,038						8,746						2,009,033						2,017,779
Other loans:
Commercial and industrial						152						225						248						625						377,269						377,894
Consumer						305						10						212						527						34,550						35,077
Total other loans						457						235						460						1,152						411,819						412,971
Total loans						$	6,543					$	857					$	2,498					$	9,898					$	2,420,852					$	2,430,750

The table below provides an aging analysis of loans as of December 31, 2023 granted a modification to borrowers experiencing financial difficulty that were modified on or after January 1, 2023, the date the Company adopted ASU 2022-02.

(dollars in thousands)			30-89 Days Past Due			90+ Days Past Due			Nonaccrual			Current			Total
December 31, 2023
One-to four-family first mortgage			$	—		$	—		$	221		$	834		$	1,055
Home equity loans and lines			—			—			60			—			60
Commercial real estate			—			—			1,102			280			1,382
Construction and land			—			—			31			—			31
Multi-family residential			—			—			—			3,437			3,437
Commercial and industrial			—			—			—			1,389			1,389
Consumer			—			—			—			—			—
Total			$	—		$	—		$	1,414		$	5,940		$	7,354

Summary of Information Pertaining to Nonaccrual Loans

The following table summarizes information pertaining to nonaccrual loans as of dates indicated.

						December 31, 2023												December 31, 2022
(dollars in thousands)						Total						Without Related Allowance						Total						Without Related Allowance
Nonaccrual loans(1):
One- to four-family first mortgage						$	1,600					$	—					$	2,300					$	—
Home equity loans and lines						208						—						34						—
Commercial real estate						5,203						2,548						6,945						2,914
Construction and land						1,181						—						315						—
Multi-family residential						—						—						—						—
Commercial and industrial						331						—						378						13
Consumer						291						—						541						86
Total						$	8,814					$	2,548					$	10,513					$	3,013

(1)Nonaccrual acquired loans include PCD loans of $1,410,000 and $1,530,000 at December 31, 2023 and December 31, 2022, respectively.

Summary of Loans Modification

The balance of loan modifications, segregated by type of modification, to borrowers experiencing financial difficulty are set forth in the table below.

(dollars in thousands)			Payment Deferral			Principal Forgiveness			Term Extension			Interest Rate Reduction			Combination Term Extension and Principal Forgiveness			Combination Term Extension and Interest Rate Reduction			Percent of Total Class of Loans
December 31, 2023
One-to four-family first mortgage			$	—		$	—		$	1,055		$	—		$	—		$	—		0.2		%
Home equity loans and lines			60			—			—			—			—			—			0.1
Commercial real estate			280			—			1,102			—			—			—			0.1
Construction and land			—			—			31			—			—			—			—
Multi-family residential			—			—			3,437			—			—			—			3.2
Commercial and industrial			—			—			1,389			—			—			—			0.3
Consumer			—			—			—			—			—			—			—
Total			$	340		$	—		$	7,014		$	—		$	—		$	—		0.3		%

The following table details the financial impacts of loan modifications made to borrowers experiencing financial difficulty for the periods presented.

December 31, 2023			Payment Deferral (dollars in thousands)			Term Extensions (in months)
One-to four-family first mortgage			$—			24
Home equity loans and lines			3			0
Commercial real estate			9			12
Construction and land			—			12
Multi-family residential			—			2
Commercial and industrial			—			10
Consumer			—			0

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