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Note 3 - Loans Receivable (Tables)

9 Months Ended

Sep. 30, 2025

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

		September 30, 2025				December 31, 2024
		(In Thousands)
Mortgage loans:
Residential real estate:
One- to four-family		$	506,758			$	516,128
Multi-family			769,325				741,428
Home equity			13,382				13,188
Construction and land			69,152				61,427
Commercial real estate			323,613				313,494
Consumer			938				825
Commercial loans			31,668				34,086
Total		$	1,714,836			$	1,680,576

Financing Receivable, Past Due [Table Text Block]

		As of September 30, 2025
		1-59 Days Past Due (1)				60-89 Days Past Due (2)				90 Days or Greater				Total Past Due				Current (3)				Total Loans
		(In Thousands)
Mortgage loans:
Residential real estate:
One- to four-family		$	2,208			$	1,962			$	4,002			$	8,172			$	498,586			$	506,758
Multi-family			-				-				182				182				769,143				769,325
Home equity			116				-				-				116				13,266				13,382
Construction and land			-				-				-				-				69,152				69,152
Commercial real estate			-				-				-				-				323,613				323,613
Consumer			-				-				-				-				938				938
Commercial loans			50				-				-				50				31,618				31,668
Total		$	2,374			$	1,962			$	4,184			$	8,520			$	1,706,316			$	1,714,836

		As of December 31, 2024
		1-59 Days Past Due (1)				60-89 Days Past Due (2)				90 Days or Greater				Total Past Due				Current (3)				Total Loans
		(In Thousands)
Mortgage loans:
Residential real estate:
One- to four-family		$	9,107			$	1,405			$	3,955			$	14,467			$	501,661			$	516,128
Multi-family			183				-				-				183				741,245				741,428
Home equity			194				-				30				224				12,964				13,188
Construction and land			-				-				-				-				61,427				61,427
Commercial real estate			248				-				-				248				313,246				313,494
Consumer			-				-				-				-				825				825
Commercial loans			-				-				-				-				34,086				34,086
Total		$	9,732			$	1,405			$	3,985			$	15,122			$	1,665,454			$	1,680,576

Financing Receivable, Allowance for Credit Loss [Table Text Block]

		One- to Four-Family				Multi-Family				Home Equity				Land and Construction				Commercial Real Estate				Consumer				Commercial				Total
		(In Thousands)
Nine months ended September 30, 2025
Balance at beginning of period		$	5,286			$	7,079			$	212			$	1,205			$	3,920			$	79			$	466			$	18,247
Provision (credit) for credit losses - loans			(389	)			6				(24	)			(66	)			(11	)			45				(160	)			(599	)
Charge-offs			-				-				-				-				-				(42	)			-				(42	)
Recoveries			51				3				-				2				-				8				-				64
Balance at end of period		$	4,948			$	7,088			$	188			$	1,141			$	3,909			$	90			$	306			$	17,670
Nine months ended September 30, 2024
Balance at beginning of period		$	6,886			$	7,318			$	211			$	983			$	2,561			$	56			$	534			$	18,549
Provision (credit) for credit losses - loans			(1,661	)			(243	)			(12	)			271				1,204				43				(41	)			(439	)
Charge-offs			(3	)			-				-				-				-				(26	)			-				(29	)
Recoveries			104				8				-				2				3				-				-				117
Balance at end of period		$	5,326			$	7,083			$	199			$	1,256			$	3,768			$	73			$	493			$	18,198

		One to-Four- Family				Multi-Family				Home Equity				Construction and Land				Commercial Real Estate				Consumer				Commercial				Total
		(In Thousands)
Three months ended September 30, 2025
Balance at beginning of period		$	5,110			$	6,655			$	197			$	1,181			$	4,187			$	77			$	393			$	17,800
Provision (credit) for credit losses - loans			(176	)			430				(9	)			(40	)			(278	)			30				(87	)			(130	)
Charge-offs			-				-				-				-				-				(17	)			-				(17	)
Recoveries			14				3				-				-				-				-				-				17
Balance at end of period		$	4,948			$	7,088			$	188			$	1,141			$	3,909			$	90			$	306			$	17,670
Three months ended September 30, 2024
Balance at beginning of period		$	5,838			$	7,276			$	273			$	1,228			$	3,227			$	64			$	508			$	18,414
Provision (credit) for credit losses - loans			(599	)			(196	)			(74	)			28				540				23				(15	)			(293	)
Charge-offs			-				-				-				-				-				(14	)			-				(14	)
Recoveries			87				3				-				-				1				-				-				91
Balance at end of period		$	5,326			$	7,083			$	199			$	1,256			$	3,768			$	73			$	493			$	18,198

Schedule of Allowance for Credit Losses [Table Text Block]

		Three months ended								Nine months ended
		September 30, 2025				September 30, 2024				September 30, 2025				September 30, 2024
		(In Thousands)
Provision (credit) for credit losses on:
Loans		$	(130	)		$	(293	)		$	(599	)		$	(439	)
Unfunded commitments			(139	)			(84	)			(237	)			(96	)
Investment securities			-				-				-				-
Total		$	(269	)		$	(377	)		$	(836	)		$	(535	)

Schedule of Collateral Dependent Loans [Table Text Block]

		September 30, 2025				December 31, 2024
		(In Thousands)
Collateral dependent loans
Residential real estate:
One- to four-family		$	3,997			$	3,323
Multi family			182				-
Home equity			70				150
Construction and land			-				-
Commercial real estate			11,346				5,015
Consumer			-				-
Commercial loans			-				1,605
Total loans receivable		$	15,595			$	10,093

Financing Receivable Credit Quality Indicators [Table Text Block]

		One to Four-Family				Multi-Family				Home Equity				Construction and Land				Commercial Real Estate				Consumer				Commercial				Total
		(In Thousands)
At September 30, 2025
Substandard		$	5,674			$	182			$	70			$	-			$	11,346			$	-			$	-			$	17,272
Watch			9,489				332				-				-				232				-				1,316				11,369
Pass			491,595				768,811				13,312				69,152				312,035				938				30,352				1,686,195
		$	506,758			$	769,325			$	13,382			$	69,152			$	323,613			$	938			$	31,668			$	1,714,836
At December 31, 2024
Substandard		$	5,515			$	-			$	150			$	-			$	11,721			$	-			$	1,605			$	18,991
Watch			9,675				183				-				143				743				-				75				10,819
Pass			500,938				741,245				13,038				61,284				301,030				825				32,406				1,650,766
		$	516,128			$	741,428			$	13,188			$	61,427			$	313,494			$	825			$	34,086			$	1,680,576

		2025				2024				2023				2022				2021				Prior				Revolving				Total
		(In Thousands)
One- to four-family
Pass		$	17,145			$	30,180			$	163,079			$	148,995			$	38,731			$	92,180			$	1,285			$	491,595
Watch			6,848				45				295				1,072				-				1,229				-				9,489
Substandard			1,548				631				610				932				-				1,953				-				5,674
Total			25,541				30,856				163,984				150,999				38,731				95,362				1,285				506,758
Multi-family
Pass			177,341				64,069				114,501				149,928				116,879				145,274				819			$	768,811
Watch			-				-				332				-				-				-				-				332
Substandard			182				-				-				-				-				-				-				182
Total			177,523				64,069				114,833				149,928				116,879				145,274				819				769,325
Home equity
Pass			515				359				375				1,544				68				148				10,303			$	13,312
Watch			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				13				-				57				70
Total			515				359				375				1,544				81				148				10,360				13,382
Construction and land
Pass			1,437				50,375				17,185				140				-				15				-			$	69,152
Watch			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Total			1,437				50,375				17,185				140				-				15				-				69,152
Commercial Real Estate
Pass			48,648				56,789				62,126				44,360				54,798				41,976				3,338			$	312,035
Watch			-				-				232				-				-				-				-				232
Substandard			11,346				-				-				-				-				-				-				11,346
Total			59,994				56,789				62,358				44,360				54,798				41,976				3,338				323,613
Consumer
Pass			100				-				-				-				-				-				838			$	938
Watch			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Total			100				-				-				-				-				-				838				938
Commercial
Pass			3,726				582				16,530				870				379				1,379				6,886			$	30,352
Watch			-				-				-				16				-				-				1,300				1,316
Substandard			-				-				-				-				-				-				-				-
Total			3,726				582				16,530				886				379				1,379				8,186				31,668
Total Loans		$	268,836			$	203,030			$	375,265			$	347,857			$	210,868			$	284,154			$	24,826			$	1,714,836
Gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	42			$	42

		2024				2023				2022				2021				2020				Prior				Revolving				Total
		(In Thousands)
One- to four-family
Pass		$	33,349			$	172,934			$	146,069			$	41,704			$	26,323			$	79,948			$	611			$	500,938
Watch			7,504				106				1,286				-				72				707				-				9,675
Substandard			1,673				815				453				-				-				2,574				-				5,515
Total			42,526				173,855				147,808				41,704				26,395				83,229				611				516,128
Multi-family
Pass			81,119				138,231				196,939				125,252				108,779				90,155				770			$	741,245
Watch			-				183				-				-				-				-				-				183
Substandard			-				-				-				-				-				-				-				-
Total			81,119				138,414				196,939				125,252				108,779				90,155				770				741,428
Home equity
Pass			379				478				1,578				149				91				226				10,137			$	13,038
Watch			-				-				-				-				-				-				-				-
Substandard			-				-				16				14				-				-				120				150
Total			379				478				1,594				163				91				226				10,257				13,188
Construction and land
Pass			23,029				25,384				-				9,144				1,501				2,226				-			$	61,284
Watch			-				-				143				-				-				-				-				143
Substandard			-				-				-				-				-				-				-				-
Total			23,029				25,384				143				9,144				1,501				2,226				-				61,427
Commercial Real Estate
Pass			63,660				66,980				51,175				58,574				30,699				29,289				653			$	301,030
Watch			208				-				407				-				128				-				-				743
Substandard			11,484				237				-				-				-				-				-				11,721
Total			75,352				67,217				51,582				58,574				30,827				29,289				653				313,494
Consumer
Pass			-				-				-				-				-				-				825			$	825
Watch			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Total			-				-				-				-				-				-				825				825
Commercial
Pass			948				17,011				1,240				553				2,062				5,135				5,457			$	32,406
Watch			-				-				-				-				-				-				75				75
Substandard			-				-				30				-				-				-				1,575				1,605
Total			948				17,011				1,270				553				2,062				5,135				7,107				34,086
Total Loans		$	223,353			$	422,359			$	399,336			$	235,390			$	169,655			$	210,260			$	20,223			$	1,680,576

Financing Receivable, Modified [Table Text Block]

		As of September 30, 2025
		Accruing								Non-accruing								Total
		Amount				Number				Amount				Number				Amount				Number
		(Dollars in Thousands)
Commercial Real Estate		$	6,706				1			$	-				-			$	6,706				1
One- to four-family			-				-				590				1				590				1
		$	6,706				1			$	590				1			$	7,296				2

		As of September 30, 2025
		Performing in accordance with modified terms								In Default								Total
		Amount				Number				Amount				Number				Amount				Number
		(Dollars in Thousands)
Principal forbearance		$	7,296				2			$	-				-			$	7,296				2
		$	7,296				2			$	-				-			$	7,296				2

Financing Receivable, Nonaccrual [Table Text Block]

		September 30, 2025				December 31, 2024
		(Dollars in Thousands)
Non-accrual loans:
Residential
One- to four-family		$	5,674			$	5,515
Multi-family			182				-
Home equity			14				150
Construction and land			-				-
Commercial real estate			126				-
Commercial			-				-
Consumer			-				-
Total non-accrual loans		$	5,996			$	5,665
Total non-accrual loans to total loans receivable			0.35	%			0.34	%
Total non-accrual loans to total assets			0.26	%			0.26	%

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