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Credit Quality and Allowance for Credit Losses
 3 Months Ended
Mar. 31, 2026
Receivables [Abstract]  
Credit Quality and Allowance for Credit Losses Credit Quality and Allowance for Credit Losses
The Company’s loans, net of unearned income, consisted of the following as of the dates indicated.
(dollars in thousands)March 31, 2026December 31, 2025
Real estate loans:
One- to four-family first mortgage
$476,079 $493,446 
Home equity loans and lines91,550 92,574 
Commercial real estate1,182,501 1,190,388 
Construction and land340,057 329,227 
Multi-family residential179,982 177,825 
Total real estate loans2,270,169 2,283,460 
Other loans:
Commercial and industrial428,075 430,517 
Consumer29,902 30,046 
Total other loans457,977 460,563 
Total loans$2,728,146 $2,744,023 

The net discount on the Company’s acquired loans was $998,000 and $1,183,000 at March 31, 2026 and December 31, 2025, respectively. In addition, loan balances as of March 31, 2026 and December 31, 2025 are reported net of unearned income of $4,838,000 and $4,929,000, respectively.

Accrued interest receivable on the Company's loans was $12,818,000 and $13,000,000 at March 31, 2026 and December 31, 2025, respectively, and is excluded from the estimate of the ACL. Those amounts are recorded in accrued interest receivable and other assets on the Consolidated Statements of Financial Condition.
Allowance for Credit Losses
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.
 March 31, 2026
(dollars in thousands)Collectively EvaluatedIndividually EvaluatedTotal
Allowance for credit losses:
One- to four-family first mortgage
$4,451 $411 $4,862 
Home equity loans and lines1,333 — 1,333 
Commercial real estate13,799 522 14,321 
Construction and land3,099 170 3,269 
Multi-family residential1,335 136 1,471 
Commercial and industrial6,620 985 7,605 
Consumer819 — 819 
Total allowance for loan losses$31,456 $2,224 $33,680 
Unfunded lending commitments(1)
$1,625 $— $1,625 
Total allowance for credit losses$33,081 $2,224 $35,305 
 March 31, 2026
(dollars in thousands)Collectively Evaluated
Individually Evaluated(2)
Total
Loans:
One- to four-family first mortgage
$473,203 $2,876 $476,079 
Home equity loans and lines91,550 — 91,550 
Commercial real estate1,180,347 2,154 1,182,501 
Construction and land337,075 2,982 340,057 
Multi-family residential179,379 603 179,982 
Commercial and industrial426,666 1,409 428,075 
Consumer29,902 — 29,902 
Total loans$2,718,122 $10,024 $2,728,146 

 December 31, 2025
(dollars in thousands)Collectively EvaluatedIndividually EvaluatedTotal
Allowance for credit losses:
One- to four-family first mortgage
$4,651 $411 $5,062 
Home equity loans and lines1,335 — 1,335 
Commercial real estate14,141 362 14,503 
Construction and land2,813 — 2,813 
Multi-family residential1,363 136 1,499 
Commercial and industrial6,782 356 7,138 
Consumer792 — 792 
Total allowance for loan losses$31,877 $1,265 $33,142 
Unfunded lending commitments(1)
$1,625 $— $1,625 
Total allowance for credit losses$33,502 $1,265 $34,767 
 December 31, 2025
(dollars in thousands)Collectively Evaluated
Individually Evaluated(2)
Total
Loans:
One- to four-family first mortgage
$491,142 $2,304 $493,446 
Home equity loans and lines92,574 — 92,574 
Commercial real estate1,188,226 2,162 1,190,388 
Construction and land328,707 520 329,227 
Multi-family residential177,222 603 177,825 
Commercial and industrial429,900 617 430,517 
Consumer30,046 — 30,046 
Total loans$2,737,817 $6,206 $2,744,023 
(1)The ACL on unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition.
(2)One PCD loan was individually evaluated at March 31, 2026 and December 31, 2025, respectively.

A summary of activity in the ACL for the three months ended March 31, 2026 and March 31, 2025 follows.
 
 Three Months Ended March 31, 2026
(dollars in thousands)Beginning
Balance		Charge-offsRecoveriesProvision (Reversal)Ending
Balance
Allowance for credit losses:
One- to four-family first mortgage
$5,062 $— $3 $(203)$4,862 
Home equity loans and lines1,335 — — (2)1,333 
Commercial real estate14,503 — — (182)14,321 
Construction and land2,813 — — 456 3,269 
Multi-family residential1,499 — — (28)1,471 
Commercial and industrial7,138 (233)21 679 7,605 
Consumer792 (180)5 202 819 
Total allowance for loan losses$33,142 $(413)$29 $922 $33,680 
Unfunded lending commitments$1,625 $— $— $— $1,625 
Total allowance for credit losses$34,767 $(413)$29 $922 $35,305 
 Three Months Ended March 31, 2025
(dollars in thousands)Beginning BalanceCharge-offsRecoveriesProvision (Reversal)Ending Balance
Allowance for credit losses:
One- to four-family first mortgage
$4,430 $— $7 $22 $4,459 
Home equity loans and lines801 — — (6)795 
Commercial real estate13,521 — — 396 13,917 
Construction and land5,484 — — (101)5,383 
Multi-family residential1,090 — — (2)1,088 
Commercial and industrial6,861 (195)153 (80)6,739 
Consumer729 (31)34 165 897 
Total allowance for loan losses$32,916 $(226)$194 $394 $33,278 
Unfunded lending commitments$2,700 $— $— $— $2,700 
Total allowance for credit losses$35,616 $(226)$194 $394 $35,978 
The following tables present the Company’s loan portfolio by credit quality classification and origination year as of March 31, 2026 and December 31, 2025. The gross charge-offs presented in the tables that follow are for the three months ended March 31, 2026 and the year ended December 31, 2025.
March 31, 2026
Term Loans by Origination Year
(dollars in thousands)20262025202420232022PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
One- to four-family first mortgage:
Pass$9,417 $62,635 $57,051 $79,199 $87,219 $143,557 $26,243 $1,367 $466,688 
Special Mention— — — — — — — — — 
Substandard— 625 309 2,128 3,072 3,219 — 38 9,391 
Doubtful— — — — — — — — — 
Total one- to four-family first mortgages$9,417 $63,260 $57,360 $81,327 $90,291 $146,776 $26,243 $1,405 $476,079 
Current period gross charge-offs$— $— $— $— $— $— $— $— $— 
Home equity loans and lines:
Pass$207 $1,494 $1,288 $1,082 $1,939 $4,675 $76,347 $3,169 $90,201 
Special Mention— — — 144 481 182 — — 807 
Substandard— — — — — 342 50 150 542 
Doubtful— — — — — — — — — 
Total home equity loans and lines$207 $1,494 $1,288 $1,226 $2,420 $5,199 $76,397 $3,319 $91,550 
Current period gross charge-offs$— $— $— $— $— $— $— $— $— 
Commercial real estate:
Pass$42,154 $194,571 $168,342 $130,601 $247,412 $328,656 $21,682 $5,927 $1,139,345 
Special Mention— — 6,598 — 1,025 1,855 — — 9,478 
Substandard— 394 1,669 363 7,554 22,938 760 — 33,678 
Doubtful— — — — — — — — — 
Total commercial real estate loans$42,154 $194,965 $176,609 $130,964 $255,991 $353,449 $22,442 $5,927 $1,182,501 
Current period gross charge-offs$— $— $— $— $— $— $— $— $— 
Construction and land:
Pass$15,230 $126,203 $72,766 $79,512 $9,707 $7,089 $15,693 $182 $326,382 
Special Mention— — — 727 136 — — — 863 
Substandard— — 2,623 8,075 2,114 — — — 12,812 
Doubtful— — — — — — — — — 
Total construction and land loans$15,230 $126,203 $75,389 $88,314 $11,957 $7,089 $15,693 $182 $340,057 
Current period gross charge-offs$— $— $— $— $— $— $— $— $— 
March 31, 2026
Term Loans by Origination Year
(dollars in thousands)20262025202420232022PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Multi-family residential:
Pass$4,087 $27,271 $39,538 $18,970 $47,010 $39,922 $1,590 $— $178,388 
Special Mention— — — — — — — — — 
Substandard— 308 — — 312 603 371 — 1,594 
Doubtful— — — — — — — — — 
Total multi-family residential loans$4,087 $27,579 $39,538 $18,970 $47,322 $40,525 $1,961 $— $179,982 
Current period gross charge-offs$— $— $— $— $— $— $— $— $— 
Commercial and industrial:
Pass$19,328 $55,937 $60,437 $40,200 $38,258 $11,670 $194,364 $4,439 $424,633 
Special Mention— — — — — — — — — 
Substandard— 1,566 448 203 272 346 161 446 3,442 
Doubtful— — — — — — — — — 
Total commercial and industrial loans$19,328 $57,503 $60,885 $40,403 $38,530 $12,016 $194,525 $4,885 $428,075 
Current period gross charge-offs$— $— $— $15 $— $— $218 $— $233 
Consumer:
Pass$2,655 $4,925 $1,661 $1,198 $1,105 $7,535 $10,713 $69 $29,861 
Special Mention— — — — — — — — — 
Substandard— 11 4 — 7 18 — 1 41 
Doubtful— — — — — — — — — 
Total consumer loans$2,655 $4,936 $1,665 $1,198 $1,112 $7,553 $10,713 $70 $29,902 
Current period gross charge-offs$— $4 $2 $10 $— $5 $159 $— $180 
Total loans:
Pass$93,078 $473,036 $401,083 $350,762 $432,650 $543,104 $346,632 $15,153 $2,655,498 
Special Mention— — 6,598 871 1,642 2,037 — — 11,148 
Substandard— 2,904 5,053 10,769 13,331 27,466 1,342 635 61,500 
Doubtful— — — — — — — — — 
Total loans$93,078 $475,940 $412,734 $362,402 $447,623 $572,607 $347,974 $15,788 $2,728,146 
Current period gross charge-offs$— $4 $2 $25 $— $5 $377 $— $413 
December 31, 2025
Term Loans by Origination Year
(dollars in thousands)20252024202320222021PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
One- to four-family first mortgage:
Pass$65,510 $61,353 $85,573 $90,946 $68,713 $87,020 $26,173 $1,165 $486,453 
Special Mention— — — — — — — — — 
Substandard20 245 1,534 2,625 409 1,999 — 161 6,993 
Doubtful— — — — — — — — — 
Total one- to four-family first mortgages$65,530 $61,598 $87,107 $93,571 $69,122 $89,019 $26,173 $1,326 $493,446 
Current period gross charge-offs$— $— $— $— $— $14 $— $— $14 
Home equity loans and lines:
Pass$1,652 $1,526 $1,257 $1,937 $1,395 $3,756 $76,230 $3,479 $91,232 
Special Mention— — 145 483 183 — — — 811 
Substandard— — — 59 — 343 29 100 531 
Doubtful— — — — — — — — — 
Total home equity loans and lines$1,652 $1,526 $1,402 $2,479 $1,578 $4,099 $76,259 $3,579 $92,574 
Current period gross charge-offs$— $— $— $— $— $— $— $— $— 
Commercial real estate:
Pass$184,225 $178,055 $141,348 $259,605 $175,380 $191,197 $19,545 $5,742 $1,155,097 
Special Mention— — — 1,043 796 1,108 — — 2,947 
Substandard398 146 363 7,559 8,414 14,704 760 — 32,344 
Doubtful— — — — — — — — — 
Total commercial real estate loans$184,623 $178,201 $141,711 $268,207 $184,590 $207,009 $20,305 $5,742 $1,190,388 
Current period gross charge-offs$— $— $— $— $— $21 $— $— $21 
Construction and land:
Pass$118,753 $83,534 $81,356 $10,442 $2,741 $5,219 $10,765 $184 $312,994 
Special Mention— — 727 139 — — — — 866 
Substandard— 2,626 10,626 2,115 — — — — 15,367 
Doubtful— — — — — — — — — 
Total construction and land loans$118,753 $86,160 $92,709 $12,696 $2,741 $5,219 $10,765 $184 $329,227 
Current period gross charge-offs$— $100 $— $— $1 $— $— $— $101 
Multi-family residential:
Pass$26,530 $38,459 $19,871 $47,438 $21,613 $21,085 $1,231 $— $176,227 
Special Mention— — — — — — — — — 
Substandard308 — — 317 — 602 371 — 1,598 
December 31, 2025
Term Loans by Origination Year
(dollars in thousands)20252024202320222021PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Doubtful— — — — — — — — — 
Total multi-family residential loans$26,838 $38,459 $19,871 $47,755 $21,613 $21,687 $1,602 $— $177,825 
Current period gross charge-offs$— $— $— $— $— $— $— $— $— 
Commercial and industrial:
Pass$59,909 $63,421 $45,067 $42,544 $9,457 $6,239 $198,975 $653 $426,265 
Special Mention— — — — — — — — — 
Substandard1,565 92 204 316 347 18 1,567 143 4,252 
Doubtful— — — — — — — — — 
Total commercial and industrial loans$61,474 $63,513 $45,271 $42,860 $9,804 $6,257 $200,542 $796 $430,517 
Current period gross charge-offs$— $18 $247 $19 $— $115 $466 $— $865 
Consumer:
Pass$7,087 $2,423 $1,366 $1,164 $207 $7,703 $9,964 $86 $30,000 
Special Mention— — — — — — — — — 
Substandard5 — — 13 — 28 — — 46 
Doubtful— — — — — — — — — 
Total consumer loans$7,092 $2,423 $1,366 $1,177 $207 $7,731 $9,964 $86 $30,046 
Current period gross charge-offs$— $30 $8 $— $141 $2 $181 $— $362 
Total loans:
Pass$463,666 $428,771 $375,838 $454,076 $279,506 $322,219 $342,883 $11,309 $2,678,268 
Special Mention— — 872 1,665 979 1,108 — — 4,624 
Substandard2,296 3,109 12,727 13,004 9,170 17,694 2,727 404 61,131 
Doubtful— — — — — — — — — 
Total loans$465,962 $431,880 $389,437 $468,745 $289,655 $341,021 $345,610 $11,713 $2,744,023 
Current period gross charge-offs$— $148 $255 $19 $142 $152 $647 $— $1,363 
The above classifications follow regulatory guidelines and can generally be described as follows:
 
•Pass loans are of satisfactory quality.
•Special mention loans have an existing weakness that could cause future impairment, including the deterioration of financial ratios, past due status, questionable management capabilities and possible reduction in the collateral values.
•Substandard loans have an existing specific and well-defined weakness that may include poor liquidity and deterioration of financial performance. Such loans may be past due and related deposit accounts experiencing overdrafts. Immediate corrective action is necessary.
•Doubtful loans have specific weaknesses that are severe enough to make collection or liquidation in full highly questionable and improbable.

In addition, residential loans are classified using an inter-agency regulatory methodology that incorporates, among other factors, the extent of delinquencies and loan-to-value ratios. These classifications were the most current available as of the dates indicated and were generally updated within the quarter.
Age analysis of past due loans as of the dates indicated are as follows.
 March 31, 2026
(dollars in thousands)30-59 Days Past Due60-89 Days Past DueGreater Than 90 Days Past DueTotal Past DueCurrent LoansTotal Loans
Real estate loans:
One- to four-family first mortgage
$4,150 $111 $5,584 $9,845 $466,234 $476,079 
Home equity loans and lines459 — 463 922 90,628 91,550 
Commercial real estate4,810 5,501 5,061 15,372 1,167,129 1,182,501 
Construction and land4,828 132 11,904 16,864 323,193 340,057 
Multi-family residential— — 1,281 1,281 178,701 179,982 
Total real estate loans14,247 5,744 24,293 44,284 2,225,885 2,270,169 
Other loans:
Commercial and industrial2,390 679 775 3,844 424,231 428,075 
Consumer247 57 30 334 29,568 29,902 
Total other loans2,637 736 805 4,178 453,799 457,977 
Total loans$16,884 $6,480 $25,098 $48,462 $2,679,684 $2,728,146 
 December 31, 2025
(dollars in thousands)30-59 Days Past Due60-89 Days Past DueGreater Than 90 Days Past DueTotal Past DueCurrent LoansTotal Loans
Real estate loans:
One- to four-family first mortgage
$3,562 $1,508 $4,874 $9,944 $483,502 $493,446 
Home equity loans and lines90 69 354 513 92,061 92,574 
Commercial real estate2,771 1,459 2,662 6,892 1,183,496 1,190,388 
Construction and land1,322 134 11,980 13,436 315,791 329,227 
Multi-family residential57 — 1,281 1,338 176,487 177,825 
Total real estate loans7,802 3,170 21,151 32,123 2,251,337 2,283,460 
Other loans:
Commercial and industrial156 177 1,089 1,422 429,095 430,517 
Consumer414 67 10 491 29,555 30,046 
Total other loans570 244 1,099 1,913 458,650 460,563 
Total loans$8,372 $3,414 $22,250 $34,036 $2,709,987 $2,744,023 
There were $14,000 and $65,000 of loans greater than 90 days past due and accruing at March 31, 2026 and December 31, 2025, respectively.
The following tables summarize information pertaining to nonaccrual loans as of dates indicated.

March 31, 2026
(dollars in thousands)With Related AllowanceWithout Related AllowanceTotal
Nonaccrual loans(1):
One- to four-family first mortgage
$8,337 $— $8,337 
Home equity loans and lines542 — 542 
Commercial real estate10,837 — 10,837 
Construction and land12,812 — 12,812 
Multi-family residential1,281 — 1,281 
Commercial and industrial1,945 — 1,945 
Consumer41 — 41 
Total$35,795 $— $35,795 
December 31, 2025
(dollars in thousands)With Related AllowanceWithout Related AllowanceTotal
Nonaccrual loans(1):
One- to four-family first mortgage
$6,531 $— $6,531 
Home equity loans and lines531 — 531 
Commercial real estate9,011 — 9,011 
Construction and land15,367 — 15,367 
Multi-family residential1,281 — 1,281 
Commercial and industrial1,344 — 1,344 
Consumer46 — 46 
Total$34,111 $— $34,111 
(1)Nonaccrual acquired loans include PCD loans of $1,145,000 and $1,153,000 at March 31, 2026 and December 31, 2025, respectively.

All interest accrued but not received for loans placed on nonaccrual status is reversed against interest income. All payments received while on nonaccrual status are applied against the principal balance of nonaccrual loans. The Company does not recognize interest income while loans are on nonaccrual status.
Collateral Dependent Loans
The Company held loans that were individually evaluated for credit losses at March 31, 2026 and December 31, 2025 for which the repayment, on the basis of our assessment at the reporting date, is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. The ACL for these collateral-dependent loans is primarily based on the fair value of the underlying collateral at the reporting date. The following describes the types of collateral that secure collateral dependent loans:
•One- to four-family first mortgages are primarily secured by first liens on residential real estate.
•Home equity loans and lines are primarily secured by first and junior liens on residential real estate.
•Commercial real estate loans are primarily secured by office and industrial buildings, warehouses, retail shopping facilities and various special purpose properties, including hotels and restaurants.
•Construction and land loans are primarily secured by residential and commercial properties, which are under construction and/or redevelopment, and by raw land.
•Commercial and industrial loans considered collateral dependent are primarily secured by accounts receivable, inventory and equipment.
The tables below summarize collateral dependent loans and the related ACL at March 31, 2026 and December 31, 2025.

March 31, 2026
(dollars in thousands)LoansACL
One- to four-family first mortgage
$2,876 $411 
Home equity loans and lines— — 
Commercial real estate2,154 522 
Construction and land2,982 170 
Multi-family residential603 136 
Commercial and industrial1,409 985 
Consumer— — 
Total$10,024 $2,224 
December 31, 2025
(dollars in thousands)LoansACL
One- to four-family first mortgage
$2,304 $411 
Home equity loans and lines— — 
Commercial real estate2,162 362 
Construction and land520 — 
Multi-family residential603 136 
Commercial and industrial617 356 
Consumer— — 
Total$6,206 $1,265 
Loan Modifications Made to Borrowers Experiencing Financial Difficulty
Occasionally, the Company modifies loans to borrowers in financial distress by providing certain concessions, such as principal forgiveness, term extension, an other-than-insignificant payment delay, interest only for a specified period of time, an interest rate reduction, or a combination of such concessions. When principal forgiveness is provided, the amount of forgiveness is charged-off against the allowance for credit losses. Upon the Company's determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or portion of the loan) is charged-off. The balance of loan modifications, segregated by type of modification, to borrowers experiencing financial difficulty are set forth in the tables below for the periods indicated.
Three Months Ended March 31, 2026
(dollars in thousands)
Payment Deferral
Principal Forgiveness
Term Extension
Interest Rate Reduction
Combination Term Extension and Principal Forgiveness
Combination Term Extension and Interest Rate Reduction
Percent of Total Class of Loans
One-to four-family first mortgage$— $— $— $— $— $— — %
Home equity loans and lines— — — — — — — 
Commercial real estate— — 4,850 — — — 0.4 
Construction and land— — — — — — — 
Multi-family residential— — — — — — — 
Commercial and industrial— — 92 185 — — 0.1 
Consumer— — — — — — — 
Total$— $— $4,942 $185 $— $— 0.2 %

Three Months Ended March 31, 2025
(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
One-to four-family first mortgage$— $— $23 $— $— $— — %
Home equity loans and lines— — — — — — — 
Commercial real estate— — 957 — — — 0.1 
Construction and land— — 2 — — — — 
Multi-family residential— — — — — — — 
Commercial and industrial— — 2,190 — — — 0.5 
Consumer— — — — — — — 
Total$— $— $3,172 $— $— $— 0.1 %
During the three months ended March 31, 2026, the Company had one commercial real estate loan with a balance total of $1.1 million that defaulted during the period that had previously been modified within the last 12 months. During the three months ended March 31, 2025, the Company had one construction and land loan with a balance total of $215,000 that defaulted during the period that had previously been modified within the last 12 months. Default is defined as movement to past due 90 days, foreclosure or charge-off, whichever occurs first.
The following table details the financial impacts of loan modifications made to borrowers experiencing financial difficulty for the periods presented.
Three Months Ended March 31, 2026Three Months Ended March 31, 2025
Payment Deferral (dollars in thousands)
Weighted-Average Term Extension (in months)
Weighted-Average Interest Rate Reduction
Payment Deferral (dollars in thousands)
Weighted-Average Term Extension (in months)
Weighted-Average Interest Rate Reduction
One-to four-family first mortgage$— 0—%$— 60— %
Home equity loans and lines— 0—%— 0— %
Commercial real estate— 5—%— 12— %
Construction and land— 0—%— 3— %
Multi-family residential— 0—%— 0— %
Commercial and industrial— 31.5%— 3— %
Consumer— 0—%— 0— %
The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The table below reflects the performance of such loans that have been modified in the last 12 months as of March 31, 2026.
(dollars in thousands)30-89 Days Past Due
90+ Days Past Due and Accruing
NonaccrualCurrentTotal
March 31, 2026
One-to four-family first mortgage$— $— $— $— $— 
Home equity loans and lines— — — 808 $808 
Commercial real estate1,069 — 3,536 22,570 $27,175 
Construction and land727 — 3,725 — $4,452 
Multi-family residential— — 371 — $371 
Commercial and industrial— — 277 4,039 $4,316 
Consumer— — — — $— 
Total$1,796 $— $7,909 $27,417 $37,122 
The loan modifications reported in the table above did not significantly impact the Company's allowance for loan losses during 2026.
Foreclosed Assets and ORE
Foreclosed assets and ORE include real property and other assets that have been acquired as a result of foreclosure, and real property no longer used in the Bank's business. Foreclosed assets and ORE totaled $4,093,000 and $1,929,000 at March 31, 2026 and December 31, 2025, respectively. These amounts are recorded in accrued interest receivable and other assets on the Consolidated Statements of Financial Condition.

The carrying amount of foreclosed residential real estate properties held at March 31, 2026 and December 31, 2025 totaled $1,372,000 and $1,786,000, respectively. Loans secured by single family residential real estate that were in the process of foreclosure at March 31, 2026 and December 31, 2025 totaled $3,645,000 and $3,425,000, respectively.