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Loans and Allowance for Credit Losses on Loans (Tables) | 9 Months Ended
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Mar. 31, 2026
Loans and Allowance for Credit Losses on Loans [Abstract] |
Major Loan Segments and Classes | Loan segments are summarized below as of the dates indicated:
(In thousands) |  |  | March 31, 2026 |  |  |  | June 30, 2025 |
Residential real estate |  | $ | 415,749 |  |  | $ | 417,719 |
Commercial real estate |  |  | 1,151,349 |  |  |  | 1,054,504 |
Home equity |  |  | 41,779 |  |  |  | 34,103 |
Consumer |  |  | 3,845 |  |  |  | 4,311 |
Commercial |  |  | 134,981 |  |  |  | 116,769 |
Total gross loans (1)(2) |  |  | 1,747,703 |  |  |  | 1,627,406 |
Allowance for credit losses on loans |  |  | (21,778 | ) |  |  | (20,146 | )
Loans receivable, net |  | $ | 1,725,925 |  |  | $ | 1,607,260 |
(1) Loan balances include net deferred fees/(costs) of ($490,000) and ($567,000) at March 31, 2026 and June 30, 2025, respectively. (2) Loan balances exclude accrued interest receivable of $8.0 million and $7.0 million at March 31, 2026 and June 30, 2025, respectively, which is included in accrued interest receivable in the consolidated statement of financial condition.
Delinquent and/or Nonaccrual Loans by Past Due Status | The following table sets forth information regarding delinquent and/or non-accrual loans as of March 31, 2026:
(In thousands) |  |  | 30-59 days past due |  |  |  | 60-89 days past due |  |  |  | 90 days or more past due |  |  |  | Total past due |  |  |  | Current |  |  |  | Total loans |  |  |  | Loans on non- accrual |
Residential real estate |  | $ | 4,212 |  |  | $ | 133 |  |  | $ | 870 |  |  | $ | 5,215 |  |  | $ | 410,534 |  |  | $ | 415,749 |  |  | $ | 2,180 |
Commercial real estate |  |  | 548 |  |  |  | 2,661 |  |  |  | 326 |  |  |  | 3,535 |  |  |  | 1,147,814 |  |  |  | 1,151,349 |  |  |  | 556 |
Home equity |  |  | 14 |  |  |  | 128 |  |  |  | 29 |  |  |  | 171 |  |  |  | 41,608 |  |  |  | 41,779 |  |  |  | 202 |
Consumer |  |  | 17 |  |  |  | - |  |  |  | 6 |  |  |  | 23 |  |  |  | 3,822 |  |  |  | 3,845 |  |  |  | 6 |
Commercial |  |  | 82 |  |  |  | - |  |  |  | 129 |  |  |  | 211 |  |  |  | 134,770 |  |  |  | 134,981 |  |  |  | 129 |
Total gross loans |  | $ | 4,873 |  |  | $ | 2,922 |  |  | $ | 1,360 |  |  | $ | 9,155 |  |  | $ | 1,738,548 |  |  | $ | 1,747,703 |  |  | $ | 3,073 |
The following table sets forth information regarding delinquent and/or non-accrual loans as of June 30, 2025:
(In thousands) |  |  | 30-59 days past due |  |  |  | 60-89 days past due |  |  |  | 90 days or more past due |  |  |  | Total past due |  |  |  | Current |  |  |  | Total loans |  |  |  | Loans on non- accrual |
Residential real estate |  | $ | - |  |  | $ | 775 |  |  | $ | 1,362 |  |  | $ | 2,137 |  |  | $ | 415,582 |  |  | $ | 417,719 |  |  | $ | 2,265 |
Commercial real estate |  |  | - |  |  |  | 209 |  |  |  | 367 |  |  |  | 576 |  |  |  | 1,053,928 |  |  |  | 1,054,504 |  |  |  | 628 |
Home equity |  |  | 85 |  |  |  | 13 |  |  |  | 30 |  |  |  | 128 |  |  |  | 33,975 |  |  |  | 34,103 |  |  |  | 30 |
Consumer |  |  | 20 |  |  |  | 3 |  |  |  | 2 |  |  |  | 25 |  |  |  | 4,286 |  |  |  | 4,311 |  |  |  | 2 |
Commercial |  |  | - |  |  |  | - |  |  |  | 106 |  |  |  | 106 |  |  |  | 116,663 |  |  |  | 116,769 |  |  |  | 135 |
Total gross loans |  | $ | 105 |  |  | $ | 1,000 |  |  | $ | 1,867 |  |  | $ | 2,972 |  |  | $ | 1,624,434 |  |  | $ | 1,627,406 |  |  | $ | 3,060 |
Activity and Allocation of Allowance for Loan Losses | The following tables set forth the activity and allocation of the allowance for credit losses on loans by segment:
|  |  | Activity for the three months ended March 31, 2026 |
(In thousands) |  |  | Residential real estate |  |  |  | Commercial real estate |  |  |  | Home equity |  |  |  | Consumer |  |  |  | Commercial |  |  |  | Total |
Balance at December 31, 2025 |  | $ | 4,625 |  |  | $ | 13,419 |  |  | $ | 340 |  |  | $ | 318 |  |  | $ | 2,632 |  |  | $ | 21,334 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (100 | ) |  |  | (6 | ) |  |  | (106 | )
Recoveries |  |  | - |  |  |  | 1 |  |  |  | - |  |  |  | 23 |  |  |  | 9 |  |  |  | 33 |
Provision (benefit) |  |  | (10 | ) |  |  | 345 |  |  |  | 4 |  |  |  | 59 |  |  |  | 119 |  |  |  | 517 |
Balance at March 31, 2026 |  | $ | 4,615 |  |  | $ | 13,765 |  |  | $ | 344 |  |  | $ | 300 |  |  | $ | 2,754 |  |  | $ | 21,778 |
|  |  | Activity for the three months ended March 31, 2025 |
(In thousands) |  |  | Residential real estate |  |  |  | Commercial real estate |  |  |  | Home equity |  |  |  | Consumer |  |  |  | Commercial |  |  |  | Total |
Balance at December 31, 2024 |  | $ | 4,531 |  |  | $ | 12,933 |  |  | $ | 234 |  |  | $ | 414 |  |  | $ | 2,079 |  |  | $ | 20,191 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (93 | ) |  |  | (44 | ) |  |  | (137 | )
Recoveries |  |  | - |  |  |  | 1 |  |  |  | - |  |  |  | 31 |  |  |  | 9 |  |  |  | 41 |
Provision |  |  | 65 |  |  |  | 865 |  |  |  | 6 |  |  |  | 53 |  |  |  | 112 |  |  |  | 1,101 |
Balance at March 31, 2025 |  | $ | 4,596 |  |  | $ | 13,799 |  |  | $ | 240 |  |  | $ | 405 |  |  | $ | 2,156 |  |  | $ | 21,196 |
|  |  | Activity for the nine months ended March 31, 2026 |
(In thousands) |  |  | Residential real estate |  |  |  | Commercial real estate |  |  |  | Home equity |  |  |  | Consumer |  |  |  | Commercial |  |  |  | Total |
Balance at June 30, 2025 |  | $ | 4,613 |  |  | $ | 12,614 |  |  | $ | 260 |  |  | $ | 381 |  |  | $ | 2,278 |  |  | $ | 20,146 |
Charge-offs |  |  | (43 | ) |  |  | - |  |  |  | - |  |  |  | (285 | ) |  |  | (51 | ) |  |  | (379 | )
Recoveries |  |  | 2 |  |  |  | 3 |  |  |  | - |  |  |  | 78 |  |  |  | 23 |  |  |  | 106 |
Provision |  |  | 43 |  |  |  | 1,148 |  |  |  | 84 |  |  |  | 126 |  |  |  | 504 |  |  |  | 1,905 |
Balance at March 31, 2026 |  | $ | 4,615 |  |  | $ | 13,765 |  |  | $ | 344 |  |  | $ | 300 |  |  | $ | 2,754 |  |  | $ | 21,778 |
|  |  | Activity for the nine months ended March 31, 2025 |
(In thousands) |  |  | Residential real estate |  |  |  | Commercial real estate |  |  |  | Home equity |  |  |  | Consumer |  |  |  | Commercial |  |  |  | Total |
Balance at June 30, 2024 |  | $ | 4,237 |  |  | $ | 12,218 |  |  | $ | 212 |  |  | $ | 500 |  |  | $ | 2,077 |  |  | $ | 19,244 |
Charge-offs |  |  | (44) |  |  |  | (5 | ) |  |  | (13 | ) |  |  | (293 | ) |  |  | (57 | ) |  |  | (412 | )
Recoveries |  |  | 2 |  |  |  | 3 |  |  |  | - |  |  |  | 75 |  |  |  | 27 |  |  |  | 107 |
Provision |  |  | 401 |  |  |  | 1,583 |  |  |  | 41 |  |  |  | 123 |  |  |  | 109 |  |  |  | 2,257 |
Balance at March 31, 2025 |  | $ | 4,596 |  |  | $ | 13,799 |  |  | $ | 240 |  |  | $ | 405 |  |  | $ | 2,156 |  |  | $ | 21,196 |
Loans Modified to Borrowers Experiencing Financial Difficulty by type of Concession Granted | The following tables present the amortized cost basis of the Company’s loans by class and vintage and includes gross charge-offs by loan class and vintage as of the nine months ended March 31, 2026:
|  |  | At March 31, 2026 |
|  |  | Term loans amortized cost basis by origination year |  |  |  | Revolving loans amortized cost basis |  |  |  | Revolving loans converted to term |  |  |  | Total |
(In thousands) |  |  | 2026 |  |  |  | 2025 |  |  |  | 2024 |  |  |  | 2023 |  |  |  | 2022 |  |  |  | Prior |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 28,535 |  |  | $ | 45,110 |  |  | $ | 51,757 |  |  | $ | 51,923 |  |  | $ | 79,569 |  |  | $ | 156,675 |  |  | $ | - |  |  | $ | - |  |  | $ | 413,569 |
Non-performing |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 52 |  |  |  | 2,128 |  |  |  | - |  |  |  | - |  |  |  | 2,180 |
Total residential real estate |  |  | 28,535 |  |  |  | 45,110 |  |  |  | 51,757 |  |  |  | 51,923 |  |  |  | 79,621 |  |  |  | 158,803 |  |  |  | - |  |  |  | - |  |  |  | 415,749 |
Current period gross charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 43 |  |  |  | - |  |  |  | - |  |  |  | 43 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By internally assigned grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 124,078 |  |  |  | 221,081 |  |  |  | 118,960 |  |  |  | 169,053 |  |  |  | 222,328 |  |  |  | 264,016 |  |  |  | 3,055 |  |  |  | 433 |  |  |  | 1,123,004 |
Special mention |  |  | - |  |  |  | 592 |  |  |  | 1,050 |  |  |  | 1,142 |  |  |  | 640 |  |  |  | 2,987 |  |  |  | - |  |  |  | - |  |  |  | 6,411 |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 8,863 |  |  |  | 150 |  |  |  | 12,849 |  |  |  | - |  |  |  | 72 |  |  |  | 21,934 |
Total commercial real estate |  |  | 124,078 |  |  |  | 221,673 |  |  |  | 120,010 |  |  |  | 179,058 |  |  |  | 223,118 |  |  |  | 279,852 |  |  |  | 3,055 |  |  |  | 505 |  |  |  | 1,151,349 |
Current period gross charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 2,756 |  |  |  | 2,457 |  |  |  | 3,609 |  |  |  | 2,012 |  |  |  | 192 |  |  |  | 927 |  |  |  | 29,151 |  |  |  | 473 |  |  |  | 41,577 |
Non-performing |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 202 |  |  |  | - |  |  |  | 202 |
Total home equity |  |  | 2,756 |  |  |  | 2,457 |  |  |  | 3,609 |  |  |  | 2,012 |  |  |  | 192 |  |  |  | 927 |  |  |  | 29,353 |  |  |  | 473 |  |  |  | 41,779 |
Current period gross charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 1,242 |  |  |  | 956 |  |  |  | 851 |  |  |  | 407 |  |  |  | 167 |  |  |  | 146 |  |  |  | 70 |  |  |  | - |  |  |  | 3,839 |
Non-performing |  |  | - |  |  |  | - |  |  |  | 6 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6 |
Total Consumer |  |  | 1,242 |  |  |  | 956 |  |  |  | 857 |  |  |  | 407 |  |  |  | 167 |  |  |  | 146 |  |  |  | 70 |  |  |  | - |  |  |  | 3,845 |
Current period gross charge-offs |  |  | 238 |  |  |  | 7 |  |  |  | 38 |  |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | 1 |  |  |  | - |  |  |  | 285 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By internally assigned grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 26,592 |  |  |  | 9,632 |  |  |  | 9,324 |  |  |  | 6,728 |  |  |  | 3,555 |  |  |  | 23,578 |  |  |  | 48,879 |  |  |  | 178 |  |  |  | 128,466 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 94 |  |  |  | 244 |  |  |  | 160 |  |  |  | - |  |  |  | 498 |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 9 |  |  |  | 5,433 |  |  |  | 499 |  |  |  | 50 |  |  |  | 26 |  |  |  | 6,017 |
Total Commercial |  | $ | 26,592 |  |  | $ | 9,632 |  |  | $ | 9,324 |  |  | $ | 6,737 |  |  | $ | 9,082 |  |  | $ | 24,321 |  |  | $ | 49,089 |  |  | $ | 204 |  |  | $ | 134,981 |
Current period gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 51 |  |  | $ | - |  |  | $ | 51 |
|  |  | At June 30, 2025 |
(In thousands) |  |  | Term loans amortized cost basis by origination year |  |  |  | Revolving loans amortized cost basis |  |  |  | Revolving loans converted to term |  |  |  | Total |
|  | 2025 |  |  |  | 2024 |  |  |  | 2023 |  |  |  | 2022 |  |  |  | 2021 |  |  |  | Prior |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 42,672 |  |  | $ | 55,665 |  |  | $ | 58,277 |  |  | $ | 85,153 |  |  | $ | 71,560 |  |  | $ | 102,127 |  |  | $ | - |  |  | $ | - |  |  | $ | 415,454 |
Non-performing |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 56 |  |  |  | - |  |  |  | 2,209 |  |  |  | - |  |  |  | - |  |  |  | 2,265 |
Total residential real estate |  |  | 42,672 |  |  |  | 55,665 |  |  |  | 58,277 |  |  |  | 85,209 |  |  |  | 71,560 |  |  |  | 104,336 |  |  |  | - |  |  |  | - |  |  |  | 417,719 |
Current period gross charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 44 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 44 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By internally assigned grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 192,619 |  |  |  | 120,883 |  |  |  | 177,469 |  |  |  | 228,960 |  |  |  | 116,680 |  |  |  | 177,025 |  |  |  | 3,913 |  |  |  | 5,032 |  |  |  | 1,022,581 |
Special mention |  |  | - |  |  |  | 479 |  |  |  | 1,339 |  |  |  | 656 |  |  |  | 263 |  |  |  | 4,747 |  |  |  | - |  |  |  | - |  |  |  | 7,484 |
Substandard |  |  | - |  |  |  | - |  |  |  | 9,078 |  |  |  | - |  |  |  | 209 |  |  |  | 14,942 |  |  |  | - |  |  |  | 210 |  |  |  | 24,439 |
Total commercial real estate |  |  | 192,619 |  |  |  | 121,362 |  |  |  | 187,886 |  |  |  | 229,616 |  |  |  | 117,152 |  |  |  | 196,714 |  |  |  | 3,913 |  |  |  | 5,242 |  |  |  | 1,054,504 |
Current period gross charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5 |  |  |  | - |  |  |  | - |  |  |  | 5 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 2,753 |  |  |  | 4,761 |  |  |  | 2,437 |  |  |  | 229 |  |  |  | 315 |  |  |  | 791 |  |  |  | 22,637 |  |  |  | 150 |  |  |  | 34,073 |
Non-performing |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 30 |  |  |  | - |  |  |  | 30 |
Total home equity |  |  | 2,753 |  |  |  | 4,761 |  |  |  | 2,437 |  |  |  | 229 |  |  |  | 315 |  |  |  | 791 |  |  |  | 22,667 |  |  |  | 150 |  |  |  | 34,103 |
Current period gross charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 13 |  |  |  | - |  |  |  | 13 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 1,631 |  |  |  | 1,371 |  |  |  | 689 |  |  |  | 346 |  |  |  | 149 |  |  |  | 51 |  |  |  | 72 |  |  |  | - |  |  |  | 4,309 |
Non-performing |  |  | 2 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2 |
Total Consumer |  |  | 1,633 |  |  |  | 1,371 |  |  |  | 689 |  |  |  | 346 |  |  |  | 149 |  |  |  | 51 |  |  |  | 72 |  |  |  | - |  |  |  | 4,311 |
Current period gross charge-offs |  |  | 335 |  |  |  | 40 |  |  |  | - |  |  |  | 10 |  |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 386 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By internally assigned grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 11,917 |  |  |  | 11,031 |  |  |  | 8,157 |  |  |  | 4,584 |  |  |  | 12,482 |  |  |  | 15,106 |  |  |  | 45,905 |  |  |  | 68 |  |  |  | 109,250 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 50 |  |  |  | - |  |  |  | 93 |  |  |  | 238 |  |  |  | 183 |  |  |  | 564 |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6,279 |  |  |  | 30 |  |  |  | 568 |  |  |  | 78 |  |  |  | - |  |  |  | 6,955 |
Total Commercial |  | $ | 11,917 |  |  | $ | 11,031 |  |  | $ | 8,157 |  |  | $ | 10,913 |  |  | $ | 12,512 |  |  | $ | 15,767 |  |  | $ | 46,221 |  |  | $ | 251 |  |  | $ | 116,769 |
Current period gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 38 |  |  | $ | 28 |  |  | $ | - |  |  | $ | 66 |
Loans Modified to Borrowers Experiencing Financial Difficulty by type of Concession Granted | The following tables present the amortized cost basis of the loans modified to borrowers experiencing financial difficulty by type of concession granted:
|  |  | For the three months ended March 31, 2026 |
|  |  | Term extension |
(Dollars in thousands) |  |  | Amortized cost |  |  |  | Percentage of total class |
Commercial real estate |  | $ | 299 |  |  |  | 0.03 | %
Total |  | $ | 299 |  |  |  |  |
|  |  | For the three months ended March 31, 2025 |
|  |  | Term extension |
(Dollars in thousands) |  |  | Amortized cost |  |  |  | Percentage of total class |
Commercial real estate |  | $ | 299 |  |  |  | 0.03 | %
Total |  | $ | 299 |  |  |  |  |
|  |  | For the nine months ended March 31, 2026 |
|  |  | Term extension |  |  |  | Interest rate reduction |
(Dollars in thousands) |  |  | Amortized cost |  |  |  | Percentage of total class |  |  |  | Amortized cost |  |  |  | Percentage of total class |
Commercial real estate |  | $ | 371 |  |  |  | 0.03 | % |  | $ | 2,451 |  |  |  | 0.21 | %
Total |  | $ | 371 |  |  |  |  |  |  | $ | 2,451 |  |  |  |  |
|  |  | For the nine months ended March 31, 2025 |
|  |  | Term extension |  |  |  | Interest rate reduction |
(Dollars in thousands) |  |  | Amortized cost |  |  |  | Percentage of total class |  |  |  | Amortized cost |  |  |  | Percentage of total class |
Commercial real estate |  | $ | 299 |  |  |  | 0.03 | % |  | $ | 2,545 |  |  |  | 0.24 | %
Total |  | $ | 299 |  |  |  |  |  |  | $ | 2,545 |  |  |  |  |
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty | The following tables presents the financial effect of the modifications made to borrowers experiencing financial difficulty:
|  | For the three months ended March 31, 2026
Loan type |  | Term extension
Commercial real estate |  | 6 month term extension
|  | For the three months ended March 31, 2025
Loan type |  | Term extension
Commercial real estate |  | 12 month term extension
|  | For the nine months ended March 31, 2026
Loan type |  | Term extension |  | Interest rate reduction
Commercial real estate |  | 6 and 39 month term extensions |  | Interest rates were reduced by an average of 1.00%
|  | For the nine months ended March 31, 2025
Loan type |  | Term extension |  | Interest rate reduction
Commercial real estate |  | 12 month term extension |  | Interest rates were reduced by an average of 1.45%
Loans Modified to Borrowers Experiencing Financial Difficulty | The following table depicts the performance of loans that have been modified to borrowers experiencing financial difficulty that were modified in the prior twelve months at amortized cost basis:
|  |  | At March 31, 2026 |
(In thousands) |  |  | Current |  |  |  | 30-59 days past due |  |  |  | 60-89 days past due |  |  |  | 90 days or more past due |  |  |  | Total |
Commercial real estate |  | $ | 2,822 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 2,822 |
Total |  | $ | 2,822 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 2,822 |
|  |  | At March 31, 2025 |
(In thousands) |  |  | Current |  |  |  | 30-59 days past due |  |  |  | 60-89 days past due |  |  |  | 90 days or more past due |  |  |  | Total |
Commercial real estate |  | $ | 6,606 |  |  | $ | 299 |  |  | $ | - |  |  | $ | - |  |  | $ | 6,905 |
Consumer |  |  | - |  |  |  | 16 |  |  |  | - |  |  |  | - |  |  |  | 16 |
Total |  | $ | 6,606 |  |  | $ | 315 |  |  | $ | - |  |  | $ | - |  |  | $ | 6,921 |

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