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NET LOANS RECEIVABLE (Tables) | 6 Months Ended
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Dec. 31, 2023
NET LOANS RECEIVABLE |
Schedule of net loans receivable | A summary of net loans receivable is as follows (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, 2023 |  | June 30, 2023
Commercial: |  | ​ |  |  | ​ |
Real estate | ​ | $ | 411,242 | ​ | $ | 411,165
Commercial and industrial | ​ |  | 91,659 | ​ |  | 97,307
Construction | ​ |  | 106,647 | ​ |  | 92,714
Total commercial | ​ |  | 609,548 | ​ |  | 601,186
Residential mortgages | ​ |  | 568,516 | ​ |  | 463,196
Home equity loans and lines | ​ |  | 92,426 | ​ |  | 85,477
Consumer | ​ |  | 14,659 | ​ |  | 16,779
​ | ​ |  | 1,285,149 | ​ |  | 1,166,638
Allowance for credit losses | ​ |  | (21,362) | ​ |  | (22,469)
Net loans receivable | ​ | $ | 1,263,787 | ​ | $ | 1,144,169
​
Schedule of activity in allowance for credit losses by portfolio segment | The following tables present the activity in the allowance for credit losses by portfolio segment (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | For the Three Months Ended December 31, 2023
​ | ​ | Beginning | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Ending
​ |  | Balance |  | Provisions |  | Charge-offs |  | Recoveries |  | Balance
Commercial | ​ | $ | 13,181 | ​ | $ | (178) | ​ | $ | (345) | ​ | $ | 16 | ​ | $ | 12,674
Residential mortgages | ​ | ​ | 6,191 | ​ | ​ | 779 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 6,970
Home equity loans and lines of credit | ​ | ​ | 1,282 | ​ | ​ | 56 | ​ | ​ | — | ​ | ​ | 1 | ​ | ​ | 1,339
Consumer | ​ |  | 415 | ​ |  | 2 | ​ |  | (46) | ​ |  | 8 | ​ |  | 379
Allowance for credit losses - loans | ​ |  | 21,069 | ​ |  | 659 | ​ |  | (391) | ​ |  | 25 | ​ |  | 21,362
Allowance for credit losses - off-balance sheet credit exposures | ​ |  | 1,458 | ​ |  | 223 | ​ |  | — | ​ |  | — | ​ |  | 1,681
Total allowance for credit losses | ​ | $ | 22,527 | ​ | $ | 882 | ​ | $ | (391) | ​ | $ | 25 | ​ | $ | 23,043
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | For the Three Months Ended December 31, 2022
​ | ​ | ​ | ​ |  | Residential | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Commercial |  | Mortgages |  | Home Equity |  | Consumer |  | Total
Allowance for loan losses at beginning of period | ​ | $ | 17,053 | ​ | $ | 3,737 | ​ | $ | 1,358 | ​ | $ | 422 | ​ | $ | 22,570
Provisions charged to operations | ​ |  | (1,353) | ​ |  | 765 | ​ |  | 101 | ​ |  | 87 | ​ |  | (400)
Loans charged off | ​ |  | (7) | ​ |  | — | ​ |  | — | ​ |  | (30) | ​ |  | (37)
Recoveries on loans charged off | ​ |  | 10 | ​ |  | 31 | ​ |  | 14 | ​ |  | 4 | ​ |  | 59
Allowance for loan losses at end of period | ​ | $ | 15,703 | ​ | $ | 4,533 | ​ | $ | 1,473 | ​ | $ | 483 | ​ | $ | 22,192
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | For the Six Months Ended December 31, 2023
​ | ​ | ​ | ​ |  | Cumulative Effect | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Beginning | ​ | Adjustment for the | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Ending
​ |  | Balance |  | Adoption of ASU 2016-13 |  | Provisions |  | Charge-offs |  | Recoveries |  | Balance
Commercial | ​ | $ | 14,288 | ​ | $ | (1,307) | ​ | $ | (5) | ​ | $ | (345) | ​ | $ | 43 | ​ | $ | 12,674
Residential mortgages | ​ |  | 6,222 | ​ |  | (670) | ​ |  | 1,418 | ​ | ​ | — | ​ | ​ | — | ​ |  | 6,970
Home equity loans and lines of credit | ​ | ​ | 1,470 | ​ | ​ | (265) | ​ | ​ | 145 | ​ | ​ | (12) | ​ | ​ | 1 | ​ | ​ | 1,339
Consumer | ​ | ​ | 489 | ​ | ​ | (69) | ​ | ​ | 17 | ​ | ​ | (69) | ​ | ​ | 11 | ​ | ​ | 379
Allowance for credit losses - loans | ​ |  | 22,469 | ​ |  | (2,311) | ​ |  | 1,575 | ​ |  | (426) | ​ |  | 55 | ​ |  | 21,362
Allowance for credit losses - off-balance sheet credit exposures | ​ |  | — | ​ |  | 1,624 | ​ |  | 57 | ​ |  | — | ​ |  | — | ​ |  | 1,681
Total allowance for credit losses | ​ | $ | 22,469 | ​ | $ | (687) | ​ | $ | 1,632 | ​ | $ | (426) | ​ | $ | 55 | ​ | $ | 23,043
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | For the Six Months Ended December 31, 2022
​ | ​ | ​ | ​ |  | Residential | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Commercial |  | Mortgages |  | Home Equity |  | Consumer |  | Total
Allowance for loan losses at beginning of period | ​ | $ | 17,818 | ​ | $ | 2,899 | ​ | $ | 1,388 | ​ | $ | 419 | ​ | $ | 22,524
Provisions charged to operations | ​ |  | (2,126) | ​ |  | 1,616 | ​ |  | 71 | ​ |  | 159 | ​ |  | (280)
Loans charged off | ​ |  | (42) | ​ |  | (24) | ​ |  | — | ​ |  | (101) | ​ |  | (167)
Recoveries on loans charged off | ​ |  | 53 | ​ |  | 42 | ​ |  | 14 | ​ |  | 6 | ​ |  | 115
Allowance for loan losses at end of period | ​ | $ | 15,703 | ​ | $ | 4,533 | ​ | $ | 1,473 | ​ | $ | 483 | ​ | $ | 22,192
Schedule of balance in allowance for loan losses and recorded investment | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | For the Six Months Ended December 31, 2022
​ | ​ | ​ | ​ |  | Residential | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Commercial |  | Mortgages |  | Home Equity |  | Consumer |  | Total
Allowance for loan losses at beginning of period | ​ | $ | 17,818 | ​ | $ | 2,899 | ​ | $ | 1,388 | ​ | $ | 419 | ​ | $ | 22,524
Provisions charged to operations | ​ |  | (2,126) | ​ |  | 1,616 | ​ |  | 71 | ​ |  | 159 | ​ |  | (280)
Loans charged off | ​ |  | (42) | ​ |  | (24) | ​ |  | — | ​ |  | (101) | ​ |  | (167)
Recoveries on loans charged off | ​ |  | 53 | ​ |  | 42 | ​ |  | 14 | ​ |  | 6 | ​ |  | 115
Allowance for loan losses at end of period | ​ | $ | 15,703 | ​ | $ | 4,533 | ​ | $ | 1,473 | ​ | $ | 483 | ​ | $ | 22,192
Schedule of impaired loans by class | The following table presents information related to impaired loans by class (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ | For the Year Ended
​ | ​ | June 30, 2023 | ​ | June 30, 2023
​ |  | Unpaid |  | ​ | ​ |  | Allowance for |  | Average | ​ | Interest
​ |  | Principal |  | Recorded |  | Loan Losses |  | Recorded |  | Income
​ |  | Balance |  | Investment |  | Allocated |  | Investment |  | Recognized
With no related allowance recorded: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Commercial: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Real estate | ​ | $ | 10,241 | ​ | $ | 10,213 | ​ | $ | — | ​ | $ | 10,538 | ​ | $ | 133
Commercial and industrial | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Construction | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Subtotal | ​ |  | 10,241 | ​ |  | 10,213 | ​ |  | — | ​ |  | 10,538 | ​ |  | 133
With an allowance recorded: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Commercial: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Real estate | ​ |  | 681 | ​ |  | 681 | ​ |  | 142 | ​ |  | 699 | ​ |  | 35
Commercial and industrial | ​ |  | 650 | ​ |  | 650 | ​ |  | 650 | ​ |  | 575 | ​ |  | —
Construction | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Subtotal | ​ |  | 1,331 | ​ |  | 1,331 | ​ |  | 792 | ​ |  | 1,274 | ​ |  | 35
Total | ​ | $ | 11,572 | ​ | $ | 11,544 | ​ | $ | 792 | ​ | $ | 11,812 | ​ | $ | 168
Schedule of recorded investment in nonaccrual and loans past due over 90 days still on accrual | The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, 2023
​ |  | ​ | ​ |  | Nonaccrual |  | Past Due |  | ​
​ | ​ | ​ | ​ |  | Loans With |  | 90 Days |  | ​
​ | ​ | ​ | ​ |  | No Related |  | Still on |  | Recognized
​ | ​ | Nonaccrual |  | Allowance |  | Accrual |  | Interest Income
Commercial: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Real estate | ​ | $ | 6,338 | ​ | $ | 6,338 | ​ | $ | 4 | ​ | $ | —
Commercial and industrial | ​ |  | 199 | ​ |  | — | ​ |  | — | ​ |  | —
Construction | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Residential mortgages | ​ |  | 3,877 | ​ |  | — | ​ |  | — | ​ |  | —
Home equity loans and lines | ​ |  | 1,565 | ​ |  | — | ​ |  | — | ​ |  | —
Consumer | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | $ | 11,979 | ​ | $ | 6,338 | ​ | $ | 4 | ​ | $ | —
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | June 30,
​ |  | 2023
​ |  | ​ | ​ |  | Past Due
​ | ​ | ​ | ​ |  | 90 Days
​ | ​ | ​ | ​ |  | Still on
​ | ​ | Nonaccrual |  | Accrual
Commercial: |  | ​ |  |  | ​ |
Real estate | ​ | $ | 8,025 | ​ | $ | 174
Commercial and industrial | ​ |  | 650 | ​ |  | —
Construction | ​ |  | — | ​ |  | 3,237
Residential mortgages | ​ |  | 4,000 | ​ |  | 120
Home equity loans and lines | ​ |  | 1,560 | ​ |  | —
Consumer | ​ |  | — | ​ |  | —
​ | ​ | $ | 14,235 | ​ | $ | 3,531
Schedule of loans considered collateral dependent | The following table presents the amortized cost basis of collateral-dependent loans by class of loans (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, 2023
​ | ​ | Amortized Cost |  | Collateral Type
Commercial: |  | ​ |  |  |
Real estate | ​ | $ | 9,182 | ​ | Commercial Real Estate Property
Commercial and industrial | ​ |  | 199 | ​ | Business Assets
Construction | ​ |  | — | ​ | ​
Residential mortgages | ​ |  | — | ​ | ​
Home equity loans and lines | ​ |  | — | ​ | ​
Consumer | ​ |  | — | ​ | ​
​ | ​ | $ | 9,381 | ​ | ​
​
Schedule of aging of recorded investment | The following tables present the aging of the recorded investment in loans by class of loans as of (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, 2023
​ |  | 30 - 59 |  | 60 - 89 |  | 90 or more | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Days |  | Days |  | Days |  | Total |  | Loans Not | ​ | ​ | ​
​ |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Total
Commercial: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Real estate | ​ | $ | 254 | ​ | $ | 2,323 | ​ | $ | 638 | ​ | $ | 3,215 | ​ | $ | 408,027 | ​ | $ | 411,242
Commercial and industrial | ​ |  | 23 | ​ |  | — | ​ |  | — | ​ |  | 23 | ​ |  | 91,636 | ​ |  | 91,659
Construction | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 106,647 | ​ |  | 106,647
Residential mortgages | ​ |  | 1,560 | ​ |  | 584 | ​ |  | 718 | ​ |  | 2,862 | ​ |  | 565,654 | ​ |  | 568,516
Home equity loans and lines | ​ |  | 1,204 | ​ |  | 303 | ​ |  | 586 | ​ |  | 2,093 | ​ |  | 90,333 | ​ |  | 92,426
Consumer | ​ |  | 25 | ​ |  | 7 | ​ |  | — | ​ |  | 32 | ​ |  | 14,627 | ​ |  | 14,659
Total | ​ | $ | 3,066 | ​ | $ | 3,217 | ​ | $ | 1,942 | ​ | $ | 8,225 | ​ | $ | 1,276,924 | ​ | $ | 1,285,149
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | June 30, 2023
​ |  | 30 - 59 |  | 60 - 89 | ​ | 90 or more | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Days |  | Days |  | Days |  | Total |  | Loans Not | ​ | ​ | ​
​ |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Total
Commercial: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Real estate | ​ | $ | 4,798 | ​ | $ | — | ​ | $ | 4,458 | ​ | $ | 9,256 | ​ | $ | 401,909 | ​ | $ | 411,165
Commercial and industrial | ​ |  | 678 | ​ |  | 100 | ​ |  | 352 | ​ |  | 1,130 | ​ |  | 96,177 | ​ |  | 97,307
Construction | ​ |  | — | ​ |  | — | ​ |  | 3,237 | ​ |  | 3,237 | ​ |  | 89,477 | ​ |  | 92,714
Residential mortgages | ​ |  | 1,257 | ​ |  | 1,327 | ​ |  | 762 | ​ |  | 3,346 | ​ |  | 459,850 | ​ |  | 463,196
Home equity loans and lines | ​ |  | 1,340 | ​ |  | 64 | ​ |  | 540 | ​ |  | 1,944 | ​ |  | 83,533 | ​ |  | 85,477
Consumer | ​ |  | 18 | ​ |  | 22 | ​ |  | — | ​ |  | 40 | ​ |  | 16,739 | ​ |  | 16,779
Total | ​ | $ | 8,091 | ​ | $ | 1,513 | ​ | $ | 9,349 | ​ | $ | 18,953 | ​ | $ | 1,147,685 | ​ | $ | 1,166,638
Schedule of loans by risk category | The following table presents loans summarized by segment and class, and the risk category (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ |  | ​ |  | ​ |  | ​ |  | ​ |  | ​ |  | Revolving |  | Revolving |  | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |  | Loans |  | Loans |  | ​
​ | ​ | ​ | Term Loans Amortized Cost Basis by Origination Year |  | Amortized |  | Converted |  | ​
December 31, 2023 | ​ | 2024 | ​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | Prior | ​ | Cost Basis | ​ | to Term | ​ | Total
Commercial real estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk Rating | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 5,326 | ​ | $ | 45,278 | ​ | $ | 51,827 | ​ | $ | 24,146 | ​ | $ | 52,826 | ​ | $ | 178,481 | ​ | $ | 2,629 | ​ | $ | — | ​ | $ | 360,513
Special mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 16,641 | ​ | ​ | 8,045 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 24,686
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,942 | ​ | ​ | 22,539 | ​ | ​ | 562 | ​ | ​ | — | ​ | ​ | 26,043
Doubtful | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total commercial real estate | ​ | $ | 5,326 | ​ | $ | 45,278 | ​ | $ | 51,827 | ​ | $ | 24,146 | ​ | $ | 72,409 | ​ | $ | 209,065 | ​ | $ | 3,191 | ​ | $ | — | ​ | $ | 411,242
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk Rating | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 7,042 | ​ | $ | 8,111 | ​ | $ | 5,434 | ​ | $ | 3,444 | ​ | $ | 4,680 | ​ | $ | 8,831 | ​ | $ | 47,370 | ​ | $ | — | ​ | $ | 84,912
Special mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,250 | ​ | ​ | — | ​ | ​ | 672 | ​ | ​ | — | ​ | ​ | 1,922
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,234 | ​ | ​ | 152 | ​ | ​ | 78 | ​ | ​ | 3,132 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,596
Doubtful | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 30 | ​ | ​ | 199 | ​ | ​ | — | ​ | ​ | 229
Total commercial and industrial | ​ | $ | 7,042 | ​ | $ | 8,111 | ​ | $ | 6,668 | ​ | $ | 3,596 | ​ | $ | 6,008 | ​ | $ | 11,993 | ​ | $ | 48,241 | ​ | $ | — | ​ | $ | 91,659
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 345 | ​ | $ | — | ​ | $ | — | ​ | $ | 345
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk Rating | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 13,319 | ​ | $ | 15,796 | ​ | $ | 47,585 | ​ | $ | 20,936 | ​ | $ | — | ​ | $ | 6,435 | ​ | $ | 2,576 | ​ | $ | — | ​ | $ | 106,647
Special mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Doubtful | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total commercial construction | ​ | $ | 13,319 | ​ | $ | 15,796 | ​ | $ | 47,585 | ​ | $ | 20,936 | ​ | $ | — | ​ | $ | 6,435 | ​ | $ | 2,576 | ​ | $ | — | ​ | $ | 106,647
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential mortgages | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 95,375 | ​ | $ | 213,264 | ​ | $ | 44,192 | ​ | $ | 58,615 | ​ | $ | 35,330 | ​ | $ | 117,751 | ​ | $ | 112 | ​ | $ | — | ​ | $ | 564,639
Non-performing | ​ | ​ | — | ​ | ​ | 257 | ​ | ​ | 560 | ​ | ​ | — | ​ | ​ | 599 | ​ | ​ | 2,461 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,877
Total residential mortgages | ​ | $ | 95,375 | ​ | $ | 213,521 | ​ | $ | 44,752 | ​ | $ | 58,615 | ​ | $ | 35,929 | ​ | $ | 120,212 | ​ | $ | 112 | ​ | $ | — | ​ | $ | 568,516
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home equity loans and lines of credit | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 4,270 | ​ | $ | 7,111 | ​ | $ | 10,048 | ​ | $ | 3,789 | ​ | $ | 1,458 | ​ | $ | 14,637 | ​ | $ | 49,548 | ​ | $ | — | ​ | $ | 90,861
Non-performing | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 669 | ​ | ​ | 896 | ​ | ​ | — | ​ | ​ | 1,565
Total home equity loans and lines of credit | ​ | $ | 4,270 | ​ | $ | 7,111 | ​ | $ | 10,048 | ​ | $ | 3,789 | ​ | $ | 1,458 | ​ | $ | 15,306 | ​ | $ | 50,444 | ​ | $ | — | ​ | $ | 92,426
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 12 | ​ | $ | — | ​ | $ | 12
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 973 | ​ | $ | 1,700 | ​ | $ | 131 | ​ | $ | 107 | ​ | $ | 39 | ​ | $ | 3,350 | ​ | $ | 8,359 | ​ | $ | — | ​ | $ | 14,659
Non-performing | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total consumer | ​ | $ | 973 | ​ | $ | 1,700 | ​ | $ | 131 | ​ | $ | 107 | ​ | $ | 39 | ​ | $ | 3,350 | ​ | $ | 8,359 | ​ | $ | — | ​ | $ | 14,659
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current period gross charge-offs | ​ | $ | 47 | ​ | $ | — | ​ | $ | 21 | ​ | $ | — | ​ | $ | 1 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 69
Commercial |
NET LOANS RECEIVABLE |
Schedule of loans by risk category | ​ The following table presents commercial loans summarized by class of loans and the risk category (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | June 30, 2023
​ | ​ | ​ | ​ |  | Special | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Total
Commercial |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Real estate | ​ | $ | 352,874 | ​ | $ | 1,977 | ​ | $ | 56,196 | ​ | $ | 118 | ​ | $ | 411,165
Commercial and industrial | ​ |  | 89,245 | ​ |  | 1,614 | ​ |  | 6,448 | ​ |  | — | ​ |  | 97,307
Construction | ​ |  | 91,805 | ​ |  | — | ​ |  | 909 | ​ |  | — | ​ |  | 92,714
​ | ​ | $ | 533,924 | ​ | $ | 3,591 | ​ | $ | 63,553 | ​ | $ | 118 | ​ | $ | 601,186

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