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LOANS RECEIVABLE | 9 Months Ended
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Mar. 31, 2026
Receivables [Abstract] |
LOANS RECEIVABLE | LOANS RECEIVABLE The following table sets forth the composition of the Company’s loan portfolio at March 31, 2026 and June 30, 2025:
| March 31, 2026 |  | June 30, 2025
| (In Thousands)
Commercial loans: |  |  |
Multi-family mortgage | $ | 2,555,001 |  |  | $ | 2,709,654 |
Nonresidential mortgage | 1,012,422 |  |  | 986,556 |
Commercial business | 201,277 |  |  | 138,755 |
Construction | 207,765 |  |  | 177,713 |
Total commercial loans | 3,976,465 |  |  | 4,012,678 |
One- to four-family residential mortgage | 1,741,023 |  |  | 1,748,591 |
Consumer loans: |  |  |
Home equity loans | 61,379 |  |  | 50,737 |
Other consumer | 2,377 |  |  | 2,533 |
Total consumer loans | 63,756 |  |  | 53,270 |
Total loans | 5,781,244 |  |  | 5,814,539 |
Unaccreted yield adjustments (1) | (2,063) |  |  | (1,602) |
Total loans receivable, net of yield adjustments | $ | 5,779,181 |  |  | $ | 5,812,937 |
___________________________ (1)At March 31, 2026 and June 30, 2025, included a fair value adjustment to the carrying amount of hedged one- to four-family residential mortgage loans. Past Due Loans Past due status is based on the contractual payment terms of the loans. The following tables present the payment status of past due loans as of March 31, 2026 and June 30, 2025, by loan segment:
| Payment Status March 31, 2026
| 30-59 Days |  | 60-89 Days |  | 90 Days and Over |  | Total Past Due |  | Current |  | Total
| (In Thousands)
Multi-family mortgage | $ | — |  |  | $ | 1,521 |  |  | $ | 30,822 |  |  | $ | 32,343 |  |  | $ | 2,522,658 |  |  | $ | 2,555,001 |
Nonresidential mortgage | 896 |  |  | 461 |  |  | 4,917 |  |  | 6,274 |  |  | 1,006,148 |  |  | 1,012,422 |
Commercial business | 37 |  |  | — |  |  | 259 |  |  | 296 |  |  | 200,981 |  |  | 201,277 |
Construction | — |  |  | — |  |  | 2,755 |  |  | 2,755 |  |  | 205,010 |  |  | 207,765 |
One- to four-family residential mortgage | 2,964 |  |  | 141 |  |  | 4,039 |  |  | 7,144 |  |  | 1,733,879 |  |  | 1,741,023 |
Home equity loans | 204 |  |  | 113 |  |  | 106 |  |  | 423 |  |  | 60,956 |  |  | 61,379 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | 2,377 |  |  | 2,377 |
Total loans | $ | 4,101 |  |  | $ | 2,236 |  |  | $ | 42,898 |  |  | $ | 49,235 |  |  | $ | 5,732,009 |  |  | $ | 5,781,244 |
| Payment Status June 30, 2025
| 30-59 Days |  | 60-89 Days |  | 90 Days and Over |  | Total Past Due |  | Current |  | Total
| (In Thousands)
Multi-family mortgage | $ | — |  |  | $ | 5,270 |  |  | $ | 22,218 |  |  | $ | 27,488 |  |  | $ | 2,682,166 |  |  | $ | 2,709,654 |
Nonresidential mortgage | 926 |  |  | — |  |  | 4,937 |  |  | 5,863 |  |  | 980,693 |  |  | 986,556 |
Commercial business | — |  |  | 400 |  |  | 1,301 |  |  | 1,701 |  |  | 137,054 |  |  | 138,755 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 177,713 |  |  | 177,713 |
One- to four-family residential mortgage | 1,350 |  |  | 2,890 |  |  | 3,643 |  |  | 7,883 |  |  | 1,740,708 |  |  | 1,748,591 |
Home equity loans | 176 |  |  | 96 |  |  | 204 |  |  | 476 |  |  | 50,261 |  |  | 50,737 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | 2,533 |  |  | 2,533 |
Total loans | $ | 2,452 |  |  | $ | 8,656 |  |  | $ | 32,303 |  |  | $ | 43,411 |  |  | $ | 5,771,128 |  |  | $ | 5,814,539 |
Nonperforming Loans Loans are generally placed on nonaccrual status when contractual payments become 90 or more days past due or when the Company does not expect to receive all principal and interest payments owed substantially in accordance with the terms of the loan agreement, regardless of past due status. Loans that become 90 days or more past due, but are well secured and in the process of collection, may remain on accrual status. Nonaccrual loans are generally returned to accrual status when all payments due are brought current and the Company expects to receive all remaining principal and interest payments owed substantially in accordance with the terms of the loan agreement. Payments received in cash on nonaccrual loans, including both the principal and interest portions of those payments, are generally applied to reduce the carrying value of the loan. The Company did not recognize interest income on non-accrual loans during the nine months ended March 31, 2026 and 2025. The following tables present information relating to the Company’s nonperforming loans as of March 31, 2026 and June 30, 2025:
| Performance Status March 31, 2026
| 90 Days and Over Past Due Accruing |  | Nonaccrual Loans with Allowance for Credit Losses |  | Nonaccrual Loans with no Allowance for Credit Losses |  | Total Nonperforming |  | Performing |  | Total
| (In Thousands)
Multi-family mortgage | $ | — |  |  | $ | 8,802 |  |  | $ | 29,314 |  |  | $ | 38,116 |  |  | $ | 2,516,885 |  |  | $ | 2,555,001 |
Nonresidential mortgage | — |  |  | — |  |  | 5,679 |  |  | 5,679 |  |  | 1,006,743 |  |  | 1,012,422 |
Commercial business | — |  |  | 206 |  |  | 330 |  |  | 536 |  |  | 200,741 |  |  | 201,277 |
Construction | — |  |  | — |  |  | 2,755 |  |  | 2,755 |  |  | 205,010 |  |  | 207,765 |
One- to four-family residential mortgage | — |  |  | 1,232 |  |  | 3,864 |  |  | 5,096 |  |  | 1,735,927 |  |  | 1,741,023 |
Home equity loans | — |  |  | 83 |  |  | 114 |  |  | 197 |  |  | 61,182 |  |  | 61,379 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | 2,377 |  |  | 2,377 |
Total loans | $ | — |  |  | $ | 10,323 |  |  | $ | 42,056 |  |  | $ | 52,379 |  |  | $ | 5,728,865 |  |  | $ | 5,781,244 |
| Performance Status June 30, 2025
| 90 Days and Over Past Due Accruing |  | Nonaccrual Loans with Allowance for Credit Losses |  | Nonaccrual Loans with no Allowance for Credit Losses |  | Total Nonperforming |  | Performing |  | Total
| (In Thousands)
Multi-family mortgage | $ | — |  |  | $ | 15,867 |  |  | $ | 14,990 |  |  | $ | 30,857 |  |  | $ | 2,678,797 |  |  | $ | 2,709,654 |
Nonresidential mortgage | — |  |  | — |  |  | 5,763 |  |  | 5,763 |  |  | 980,793 |  |  | 986,556 |
Commercial business | — |  |  | 1,930 |  |  | 293 |  |  | 2,223 |  |  | 136,532 |  |  | 138,755 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 177,713 |  |  | 177,713 |
One- to four-family residential mortgage | — |  |  | 2,862 |  |  | 3,688 |  |  | 6,550 |  |  | 1,742,041 |  |  | 1,748,591 |
Home equity loans | — |  |  | 188 |  |  | 16 |  |  | 204 |  |  | 50,533 |  |  | 50,737 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | 2,533 |  |  | 2,533 |
Total loans | $ | — |  |  | $ | 20,847 |  |  | $ | 24,750 |  |  | $ | 45,597 |  |  | $ | 5,768,942 |  |  | $ | 5,814,539 |
Loan Modifications Made to Borrowers Experiencing Financial Difficulty The following table presents the amortized cost basis at March 31, 2026 and March 31, 2025 of loan modifications made to borrowers experiencing financial difficulty that were restructured during the three and nine months ended March 31, 2026 and 2025, by type of modification:
| Three Months Ended March 31, 2026
| Payment Delay |  | Term Extension |  | Payment Delay, Term Extension, and Interest Rate Reductions |  | Total |  | Percent of Total Class
| (Dollars In Thousands)
Multi-family mortgage | $ | — |  |  | $ | — |  |  | $ | 24,678 |  |  | $ | 24,678 |  |  | 0.97 | %
Total | $ | — |  |  | $ | — |  |  | $ | 24,678 |  |  | $ | 24,678 |  |  |
| Nine Months Ended March 31, 2026
| Payment Delay |  | Term Extension |  | Payment Delay, Term Extension, and Interest Rate Reductions |  | Total |  | Percent of Total Class
| (Dollars In Thousands)
Multi-family mortgage | $ | 2,413 |  |  | $ | — |  |  | $ | 24,678 |  |  | $ | 27,091 |  |  | 1.06 | %
Commercial business | 716 |  |  | — |  |  | — |  |  | 716 |  |  | 0.36 | %
Total | $ | 3,129 |  |  | $ | — |  |  | $ | 24,678 |  |  | $ | 27,807 |  |  |
| Three Months Ended March 31, 2025
| Payment Delay |  | Term Extension |  | Payment Delay, Term Extension, and Interest Rate Reductions |  | Total |  | Percent of Total Class
| (Dollars In Thousands)
Multi-family mortgage | $ | 7,137 |  |  | $ | — |  |  | $ | — |  |  | $ | 7,137 |  |  | 0.26 | %
Commercial business | 44 |  |  | — |  |  | — |  |  | 44 |  |  | 0.03 | %
Total | $ | 7,181 |  |  | $ | — |  |  | $ | — |  |  | $ | 7,181 |  |  |
| Nine Months Ended March 31, 2025
| Payment Delay |  | Term Extension |  | Payment Delay, Term Extension, and Interest Rate Reductions |  | Total |  | Percent of Total Class
| (Dollars In Thousands)
Multi-family mortgage | $ | 31,181 |  |  | $ | — |  |  | $ | 2,606 |  |  | $ | 33,787 |  |  | 1.24 | %
Nonresidential mortgage | 173 |  |  | — |  |  | — |  |  | 173 |  |  | 0.02 | %
Commercial business | 44 |  |  | — |  |  | — |  |  | 44 |  |  | 0.03 | %
Total | $ | 31,398 |  |  | $ | — |  |  | $ | 2,606 |  |  | $ | 34,004 |  |  |
No modifications involved forgiveness of principal for the three and nine months ended March 31, 2026 and March 31, 2025, respectively. At March 31, 2026 and March 31, 2025, there were no commitments to lend additional funds to borrowers experiencing financial difficulty whose terms have been restructured. Of the loans restructured during the three and nine months ended March 31, 2026 and March 31, 2025, there were no subsequent defaults as of March 31, 2026. For restructured loans, a subsequent payment default is defined in terms of delinquency, when a principal or interest payment is 90 days past due or classified into non-accrual status during the reporting period. The following table presents the performance status of the loans that were modified in the last twelve months to borrowers experiencing financial difficulties:
| March 31, 2026
| Current |  | 30-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Non-Accrual
| (Dollars In Thousands)
Multi-family mortgage | $ | 30,369 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,277 |
Commercial business | 716 |  | — |  |  | — |  |  | — |  |  | —
Total | $ | 31,085 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,277 |
| June 30, 2025
| Current |  | 30-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Non-Accrual
| (Dollars In Thousands)
Multi-family mortgage | $ | 22,571 |  |  | $ | 2,582 |  |  | $ | 8,564 |  |  | $ | 11,146 |  |  | $ | 14,515 |
Nonresidential mortgage | 169 |  | — |  |  | — |  |  | — |  |  | 169
Commercial business | 44 |  | — |  |  | — |  |  | — |  |  | 44
Total | $ | 22,784 |  |  | $ | 2,582 |  |  | $ | 8,564 |  |  | $ | 11,146 |  |  | $ | 14,728 |
Individually Analyzed Loans Individually analyzed loans include loans which do not share similar risk characteristics with other loans. Loans previously modified as TDRs and loan modifications made to borrowers experiencing financial difficulty are generally evaluated for individual impairment. However, after a period of sustained repayment performance which permits the credit to be returned to accrual status, the loans are generally removed from individual impairment analysis and returned to its corresponding pool. As of March 31, 2026, the carrying value of individually analyzed loans, including loans acquired with deteriorated credit quality that were individually analyzed, totaled $52.4 million, of which $46.0 million were considered collateral dependent. For collateral dependent loans where management has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and repayment of the loan is to be provided substantially through the operation or sale of the collateral, the allowance for credit losses is measured based on the difference between the fair value of the collateral, less costs to sell, and the amortized cost basis of the loan as of the measurement date. See Note 12 for additional disclosure regarding fair value of individually analyzed collateral dependent loans. The following table presents the carrying value and related allowance of collateral dependent individually analyzed loans at the dates indicated:
| March 31, 2026 |  | June 30, 2025
| Carrying Value |  | Related Allowance |  | Carrying Value |  | Related Allowance
| (In Thousands)
Commercial loans: |  |  |  |  |  |  |
Multi-family mortgage | $ | 37,972 |  |  | $ | 886 |  |  | $ | 30,808 |  |  | $ | 1,377 |
Nonresidential mortgage (1) | 4,697 |  |  | — |  |  | 4,697 |  |  | — |
Commercial business (2) | 53 |  |  | — |  |  | — |  |  | — |
Construction | 2,755 |  |  | — |  |  | — |  |  | — |
Total commercial loans | 45,477 |  |  | 886 |  |  | 35,505 |  |  | 1,377 |
One- to four-family residential mortgage (2) | 516 |  |  | — |  |  | 2,264 |  |  | — |
Consumer loans: |  |  |  |  |  |  |
Home equity loans (2) | 14 |  |  | — |  |  | 16 |  |  | — |
Total | $ | 46,007 |  |  | $ | 886 |  |  | $ | 37,785 |  |  | $ | 1,377 |
___________________________ (1)Secured by income-producing nonresidential property. (2)Secured by one- to four-family residential properties. Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually to classify the loans as to credit risk. The Company uses the following definitions for risk ratings: Pass – Loans that are well protected by the current net worth and paying capacity of the obligor (or guarantors, if any) or by the fair value, less cost to acquire and sell, of any underlying collateral in a timely manner. Special Mention – Loans which do not currently expose the Company to a sufficient degree of risk to warrant an adverse classification but have some credit deficiencies or other potential weaknesses. Substandard – Loans which are inadequately protected by the paying capacity and net worth of the obligor or the collateral pledged, if any. Substandard assets include those characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful – Loans which have all of the weaknesses inherent in those classified as Substandard, with the added characteristic that the weaknesses present make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values. Loss – Loans which are considered uncollectible or of so little value that their continuance as assets is not warranted. The following table presents the risk category of loans and current period gross charge-offs as of March 31, 2026 by loan segment and vintage year:
| Term Loans by Origination Year for Fiscal Years ended June 30, |  |  |  |
| 2026 |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | Prior |  | Revolving Loans |  | Total
| (In Thousands)
Multi-family mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 19,035 |  |  | $ | 143,550 |  |  | $ | 26,219 |  |  | $ | 574,744 |  |  | $ | 881,707 |  |  | $ | 839,116 |  |  | $ | — |  |  | $ | 2,484,371 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 1,523 |  |  | 69,107 |  |  | — |  |  | 70,630 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multi-family mortgage | 19,035 |  |  | 143,550 |  |  | 26,219 |  |  | 574,744 |  |  | 883,230 |  |  | 908,223 |  |  | — |  |  | 2,555,001 |
Multi-family current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,195 |  |  | — |  |  | 1,195 |
Nonresidential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 89,420 |  |  | 129,491 |  |  | 80,291 |  |  | 95,265 |  |  | 186,135 |  |  | 420,212 |  |  | 50 |  |  | 1,000,864 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 764 |  |  | — |  |  | 764 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,794 |  |  | — |  |  | 10,794 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total nonresidential mortgage | 89,420 |  |  | 129,491 |  |  | 80,291 |  |  | 95,265 |  |  | 186,135 |  |  | 431,770 |  |  | 50 |  |  | 1,012,422 |
Nonresidential current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 5 |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 75,609 |  |  | 16,576 |  |  | 7,307 |  |  | 4,755 |  |  | 15,110 |  |  | 16,689 |  |  | 61,056 |  |  | 197,102 |
Special Mention | — |  |  | — |  |  | 716 |  |  | — |  |  | 2,664 |  |  | 105 |  |  | — |  |  | 3,485 |
Substandard | — |  |  | 83 |  |  | — |  |  | — |  |  | — |  |  | 607 |  |  | — |  |  | 690 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial business | 75,609 |  |  | 16,659 |  |  | 8,023 |  |  | 4,755 |  |  | 17,774 |  |  | 17,401 |  |  | 61,056 |  |  | 201,277 |
Commercial current period gross charge-offs | — |  |  | — |  |  | 400 |  |  | — |  |  | — |  |  | 814 |  |  | — |  |  | 1,214 |
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 31,171 |  |  | 85,586 |  |  | 78,642 |  |  | — |  |  | 1,129 |  |  | 2,747 |  |  | 5,735 |  |  | 205,010 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,755 |  |  | — |  |  | 2,755 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total construction loans | 31,171 |  |  | 85,586 |  |  | 78,642 |  |  | — |  |  | 1,129 |  |  | 5,502 |  |  | 5,735 |  |  | 207,765 |
Construction current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 123,509 |  |  | 125,639 |  |  | 133,838 |  |  | 166,643 |  |  | 395,716 |  |  | 783,262 |  |  | 139 |  |  | 1,728,746 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 330 |  |  | — |  |  | 330 |
Substandard | — |  |  | — |  |  | 962 |  |  | 1,636 |  |  | 510 |  |  | 8,839 |  |  | — |  |  | 11,947 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential mortgage | 123,509 |  |  | 125,639 |  |  | 134,800 |  |  | 168,279 |  |  | 396,226 |  |  | 792,431 |  |  | 139 |  |  | 1,741,023 |
Residential current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 47 |  |  | — |  |  | 47 |
Home equity loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | 393 |  |  | 1,402 |  |  | 4,034 |  |  | 1,445 |  |  | 6,710 |  |  | 46,905 |  |  | 60,889 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | 188 |  |  | — |  |  | 83 |  |  | 129 |  |  | 90 |  |  | 490 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total home equity loans | — |  |  | 393 |  |  | 1,590 |  |  | 4,034 |  |  | 1,528 |  |  | 6,839 |  |  | 46,995 |  |  | 61,379 |
Home equity current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11 |  |  | — |  |  | 11 |
Other consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 362 |  |  | 283 |  |  | 244 |  |  | 185 |  |  | 63 |  |  | 1,135 |  |  | 27 |  |  | 2,299 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 76 |  |  | 78 |
Other consumer loans | 362 |  |  | 283 |  |  | 244 |  |  | 185 |  |  | 63 |  |  | 1,137 |  |  | 103 |  |  | 2,377 |
Other consumer current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans | $ | 339,106 |  |  | $ | 501,601 |  |  | $ | 329,809 |  |  | $ | 847,262 |  |  | $ | 1,486,085 |  |  | $ | 2,163,303 |  |  | $ | 114,078 |  |  | $ | 5,781,244 |
Total current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | 400 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,072 |  |  | $ | — |  |  | $ | 2,472 |
The following table presents the risk category of loans and gross charge-offs as of June 30, 2025 by loan segment and vintage year:
| Term Loans by Origination Year for Fiscal Years ended June 30, |  |  |  |
| 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans |  | Total
| (In Thousands)
Multi-family mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 146,525 |  |  | $ | 26,430 |  |  | $ | 591,647 |  |  | $ | 939,414 |  |  | $ | 219,907 |  |  | $ | 720,674 |  |  | $ | — |  |  | $ | 2,644,597 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 11,830 |  |  | 53,227 |  |  | — |  |  | 65,057 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multi-family mortgage | 146,525 |  |  | 26,430 |  |  | 591,647 |  |  | 939,414 |  |  | 231,737 |  |  | 773,901 |  |  | — |  |  | 2,709,654 |
Multi-family current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Nonresidential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 132,407 |  |  | 81,426 |  |  | 102,965 |  |  | 190,781 |  |  | 107,519 |  |  | 352,364 |  |  | 49 |  |  | 967,511 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | 945 |  |  | 6,187 |  |  | — |  |  | 7,132 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 851 |  |  | 11,062 |  |  | — |  |  | 11,913 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total nonresidential mortgage | 132,407 |  |  | 81,426 |  |  | 102,965 |  |  | 190,781 |  |  | 109,315 |  |  | 369,613 |  |  | 49 |  |  | 986,556 |
Nonresidential current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 830 |  |  | — |  |  | 830 |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 23,729 |  |  | 9,355 |  |  | 5,718 |  |  | 20,915 |  |  | 14,264 |  |  | 7,608 |  |  | 53,647 |  |  | 135,236 |
Special Mention | — |  |  | — |  |  | — |  |  | 1,043 |  |  | 125 |  |  | — |  |  | — |  |  | 1,168 |
Substandard | 87 |  |  | 400 |  |  | — |  |  | — |  |  | — |  |  | 1,735 |  |  | 129 |  |  | 2,351 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial business | 23,816 |  |  | 9,755 |  |  | 5,718 |  |  | 21,958 |  |  | 14,389 |  |  | 9,343 |  |  | 53,776 |  |  | 138,755 |
Commercial current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 295 |  |  | — |  |  | 295 |
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 41,990 |  |  | 85,712 |  |  | — |  |  | 979 |  |  | 8,991 |  |  | 3,362 |  |  | 5,735 |  |  | 146,769 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | 5,950 |  |  | — |  |  | — |  |  | 5,950 |
Substandard | — |  |  | 4,500 |  |  | — |  |  | — |  |  | 20,494 |  |  | — |  |  | — |  |  | 24,994 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total construction loans | 41,990 |  |  | 90,212 |  |  | — |  |  | 979 |  |  | 35,435 |  |  | 3,362 |  |  | 5,735 |  |  | 177,713 |
Construction current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 138,854 |  |  | 160,333 |  |  | 174,947 |  |  | 410,255 |  |  | 432,804 |  |  | 417,105 |  |  | 5 |  |  | 1,734,303 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 687 |  |  | — |  |  | 687 |
Substandard | — |  |  | 299 |  |  | 1,459 |  |  | 773 |  |  | 799 |  |  | 10,271 |  |  | — |  |  | 13,601 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential mortgage | 138,854 |  |  | 160,632 |  |  | 176,406 |  |  | 411,028 |  |  | 433,603 |  |  | 428,063 |  |  | 5 |  |  | 1,748,591 |
Residential current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 2 |
Home equity loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 800 |  |  | 1,690 |  |  | 4,606 |  |  | 1,648 |  |  | 302 |  |  | 7,612 |  |  | 33,553 |  |  | 50,211 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 96 |  |  | 96 |
Substandard | — |  |  | 96 |  |  | — |  |  | 83 |  |  | — |  |  | 180 |  |  | 71 |  |  | 430 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total home equity loans | 800 |  |  | 1,786 |  |  | 4,606 |  |  | 1,731 |  |  | 302 |  |  | 7,792 |  |  | 33,720 |  |  | 50,737 |
Home equity current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 2 |
Other consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 605 |  |  | 343 |  |  | 189 |  |  | 86 |  |  | 236 |  |  | 976 |  |  | 26 |  |  | 2,461 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 72 |  |  | 72 |
Other consumer loans | 605 |  |  | 343 |  |  | 189 |  |  | 86 |  |  | 236 |  |  | 976 |  |  | 98 |  |  | 2,533 |
Other consumer current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | — |  |  | 7 |
Total loans | $ | 484,997 |  |  | $ | 370,584 |  |  | $ | 881,531 |  |  | $ | 1,565,977 |  |  | $ | 825,017 |  |  | $ | 1,593,050 |  |  | $ | 93,383 |  |  | $ | 5,814,539 |
Total current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,136 |  |  | $ | — |  |  | $ | 1,136 |
Mortgage Loans in Foreclosure The Company may obtain physical possession of real estate collateralizing mortgage loans through foreclosure or in‑substance repossession. Such real estate may include one‑ to four‑family residential properties securing residential mortgage loans and nonresidential properties securing nonresidential mortgage loans. As of March 31, 2026, the Company held no residential or nonresidential real estate classified as other real estate owned (“OREO”) that was acquired through foreclosure. At that date, the Company had three residential mortgage loans with aggregate carrying values totaling $842,000, and 13 commercial mortgage loans with aggregate carrying values totaling $35.4 million, that were in the process of foreclosure. As of June 30, 2025, the Company likewise held no residential or nonresidential OREO acquired through foreclosure. At that date, the Company held three residential mortgage loans with aggregate carrying values totaling $2.2 million and six commercial mortgage loans with aggregate carrying values totaling $23.7 million, that were in the process of foreclosure.

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