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Loans Receivable and Allowance for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2025
Loans Receivable and Allowance for Credit Losses [Abstract]  
Recorded Investment in Loans Receivable

March 31, 2025

December 31, 2024

(In Thousands)

Residential one-to-four family

$

232,456 

$

239,870 

Commercial and multi-family (1)

2,131,047 

2,155,929 

Cannabis related (2)

103,579 

103,206 

Construction (1)

113,934 

130,589 

Commercial business (1) (3)

234,048 

242,239 

Business express

87,747 

92,947 

Home equity (4)

66,479 

66,769 

Consumer

2,271 

2,235 

2,971,561 

3,033,784 

Less:

Deferred loan fees, net

(2,467)

(2,736)

Allowance for credit losses

(51,484)

(34,789)

Total Loans, net

$

2,917,610 

$

2,996,259 

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.
Allowance for Credit Losses The following table sets forth the activity in the Company’s allowance for credit losses for the three months ended March 31, 2025, and the related portion of the allowance for credit losses that is allocated to each loan class, as of March 31, 2025 (in thousands):

Residential

Commercial & Multi-family (1)

Cannabis
‎ Related (2)

Construction (1)

Commercial
‎ Business (1) (3)

Business Express

Home
‎ Equity (4)

Consumer

Total

Allowance for credit losses:

Beginning Balance, January 1, 2025

$

1,947 

$

10,451 

$

1,613 

$

1,902 

$

10,497 

$

7,769 

$

594 

$

16 

$

34,789 

Charge-offs:

-

(255)

-

-

(18)

(3,925)

-

-

(4,198)

Recoveries:

25 

-

-

-

2 

21 

-

-

48 

Provision (benefit):

(182)

(120)

13,223 

(358)

1,282 

7,017 

(15)

(2)

20,845 

Ending Balance, March 31, 2025

$

1,790 

$

10,076 

$

14,836 

$

1,544 

$

11,763 

$

10,882 

$

579 

$

14 

$

51,484 

Ending Balance attributable to loans:

Individually evaluated

$

-

$

1,161 

$

13,714 

$

-

$

6,758 

$

5,718 

$

-

$

-

$

27,351 

Collectively evaluated

1,790 

8,915 

1,122 

1,544 

5,005 

5,164 

579 

14 

24,133 

Ending Balance, March 31, 2025

$

1,790 

$

10,076 

$

14,836 

$

1,544 

$

11,763 

$

10,882 

$

579 

$

14 

$

51,484 

Loans Receivables:

Individually evaluated

$

472 

$

69,107 

$

34,194 

$

586 

$

11,789 

$

5,718 

$

651 

$

-

$

122,517 

Collectively evaluated

231,984 

2,061,940 

69,385 

113,348 

222,259 

82,029 

65,828 

2,271 

2,849,044 

Total Gross Loans:

$

232,456 

$

2,131,047 

$

103,579 

$

113,934 

$

234,048 

$

87,747 

$

66,479 

$

2,271 

$

2,971,561 

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

The following table sets forth the activity in the Company’s allowance for credit losses for the three months ended March 31, 2024, and the related portion of the allowance for credit losses that is allocated to each loan class, as of March 31, 2024 (in thousands): 

Residential

Commercial & Multi-family (1)

Cannabis
‎ Related (2)

Construction (1)

Commercial
‎ Business (1) (3)

Business Express

Home
‎ Equity (4)

Consumer

Total

Allowance for credit losses:

Beginning Balance, January 1, 2024

$

2,344 

$

15,343 

$

2,344 

$

3,758 

$

4,508 

$

4,542 

$

691 

$

78 

$

33,608 

Charge-offs:

-

-

-

-

(29)

(1,122)

-

-

(1,151)

Recoveries:

11 

-

-

-

3 

4 

-

-

18 

Provision (benefit):

(192)

(1,331)

(439)

(616)

2,699 

1,606 

(41)

402 

2,088 

Ending Balance, March 31, 2024

$

2,163 

$

14,012 

$

1,905 

$

3,142 

$

7,181 

$

5,030 

$

650 

$

480 

$

34,563 

Ending Balance attributable to loans:

Individually evaluated

$

-

$

956 

$

250 

$

203 

$

3,041 

$

657 

$

-

$

409 

$

5,516 

Collectively evaluated

2,163 

13,056 

1,655 

2,939 

4,140 

4,373 

650 

71 

29,047 

Ending Balance, March 31, 2024

$

2,163 

$

14,012 

$

1,905 

$

3,142 

$

7,181 

$

5,030 

$

650 

$

480 

$

34,563 

Loans Receivables:

Individually evaluated

$

173 

$

50,752 

$

4,111 

$

3,802 

$

6,024 

$

657 

$

212 

$

-

$

65,731 

Collectively evaluated

244,589 

2,248,090 

103,645 

173,596 

260,789 

100,552 

65,306 

2,847 

3,199,414 

Total Gross Loans:

$

244,762 

$

2,298,842 

$

107,756 

$

177,398 

$

266,813 

$

101,209 

$

65,518 

$

2,847 

$

3,265,145 

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.


‎

Note 7 - Loans Receivable and Allowance for Credit Losses (Continued)

The following table sets forth the activity in the Company’s allowance for credit losses for the three months ended March 31, 2023, and the related portion of the allowance for credit losses that is allocated to each loan class, as of March 31, 2023 (in thousands): 

Residential

Commercial & Multi-family (1)

Cannabis Related (2)

Construction (1)

Commercial
‎ Business (1) (3)

Business Express

Home
‎ Equity (4)

Consumer

Unallocated

Total

Allowance for credit losses:

Ending Balance December 31, 2022

$

2,474 

$

21,381 

$

402 

$

2,073 

$

4,482 

$

872 

$

485 

$

24 

$

180 

$

32,373 

Effect of adopting ASU No. 2016-13 ("CECL")

144 

(6,953)

(145)

1,369 

1,727 

(316)

182 

7 

(180)

(4,165)

Beginning Balance, January 1, 2023

$

2,618 

$

14,428 

$

257 

$

3,442 

$

6,209 

$

556 

$

667 

$

31 

$

-

$

28,208 

Charge-offs:

-

-

-

-

(1)

-

-

-

-

(1)

Recovery:

12 

-

-

-

25 

-

16 

-

-

53 

Provisions (benefit):

(269)

207 

303 

289 

(870)

962 

(3)

3 

-

622 

Ending Balance March 31, 2023

$

2,361 

$

14,635 

$

560 

$

3,731 

$

5,363 

$

1,518 

$

680 

$

34 

$

-

$

28,882 

Ending Balance attributable to loans:

Individually evaluated

$

-

$

-

$

-

$

605 

$

1,942 

$

39 

$

-

$

-

$

-

$

2,586 

Collectively evaluated

2,361 

14,635 

560 

3,126 

3,421 

1,479 

680 

34 

-

26,296 

Ending Balance March 31, 2023

$

2,361 

$

14,635 

$

560 

$

3,731 

$

5,363 

$

1,518 

$

680 

$

34 

$

-

$

28,882 

Loans Receivables:

Individually evaluated

$

358 

$

10,114 

$

75,402 

$

3,217 

$

3,644 

$

39 

$

212 

$

-

$

-

$

92,986 

Collectively evaluated

246,325 

2,388,346 

-

154,626 

236,129 

85,566 

58,610 

3,383 

-

3,172,985 

Total Gross Loans:

$

246,683 

$

2,398,460 

$

75,402 

$

157,843 

$

239,773 

$

85,605 

$

58,822 

$

3,383 

$

-

$

3,265,971 

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.


‎

Note 7 - Loans Receivable and Allowance for Credit Losses (Continued)

The following table sets forth the activity in the allowance for credit losses and amount recorded in loans receivable at and for the year ended December 31, 2024. The table also details the amount of total loans receivable that are evaluated individually and collectively, and the related portion of the allowance for credit losses that is allocated to each loan class (in thousands):

Residential

Commercial & Multi-family (1)

Cannabis
‎ Related (2)

Construction (1)

Commercial
‎Business (1) (3)

Business Express

Home
‎ Equity (4)

Consumer

Total

Allowance for credit losses:

Beginning Balance, January 1, 2024

$

2,344 

$

15,343 

$

2,344 

$

3,758 

$

4,508 

$

4,542 

$

691 

$

78 

$

33,608 

Charge-offs:

-

(531)

-

-

(1,799)

(8,038)

-

(467)

(10,835)

Recoveries:

48 

-

-

-

371 

27 

-

-

446 

Provision (benefit):

(445)

(4,361)

(731)

(1,856)

7,417 

11,238 

(97)

405 

11,570 

Ending Balance, December 31, 2024

$

1,947 

$

10,451 

$

1,613 

$

1,902 

$

10,497 

$

7,769 

$

594 

$

16 

$

34,789 

Ending Balance attributable to loans:

Individually evaluated

$

-

$

1,473 

$

-

$

-

$

4,725 

$

5,619 

$

-

$

-

$

11,817 

Collectively evaluated

1,947 

8,978 

1,613 

1,902 

5,772 

2,150 

594 

16 

22,972 

Ending Balance, December 31, 2024

$

1,947 

$

10,451 

$

1,613 

$

1,902 

$

10,497 

$

7,769 

$

594 

$

16 

$

34,789 

Loans Receivables:

Individually evaluated

$

853 

$

64,735 

$

-

$

586 

$

11,163 

$

5,619 

$

443 

$

-

$

83,399 

Collectively evaluated

239,017 

2,091,194 

103,206 

130,003 

231,076 

87,328 

66,326 

2,235 

2,950,385 

Total Gross Loans:

$

239,870 

$

2,155,929 

$

103,206 

$

130,589 

$

242,239 

$

92,947 

$

66,769 

$

2,235 

$

3,033,784 

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.
Allowance for Credit Losses on Off-Balance Sheet Exposures

Three Months Ended March 31,

2025

2024

2023

(In thousands)

(In thousands)

(In thousands)

Allowance for Credit Losses:

Beginning balance at January 1

$

813

$

694

$

-

Impact of adopting ASU 2013-13 ("CECL") effective January 1, 2023

-

-

1,266

Provision (benefit) for credit losses

(110)

65

(577)

Ending balance at March 31

$

703

$

759

$

689
Delinquency Status of Total Loans The following table sets forth the delinquency status of total loans receivable as of March 31, 2025:

Loans Receivable

Greater Than

>90 Days

30-59 Days

60-90 Days

90 Days

Total Past

Total Loans

Past Due

Past Due

Past Due

Past Due

Due

Current

Receivable

and Accruing

(In Thousands)

Residential one-to-four family

$

3,168 

$

-

$

302 

$

3,470 

$

228,986 

$

232,456 

$

-

Commercial and multi-family (1)

20,644 

588 

31,526 

52,758 

2,078,289 

2,131,047 

-

Cannabis related (2)

4,845 

-

-

4,845 

98,734 

103,579 

Construction (1)

1,828 

-

586 

2,414 

111,520 

113,934 

-

Commercial business (1) (3)

8,904 

288 

3,747 

12,939 

221,109 

234,048 

-

Business express

8,560 

1,492 

-

10,052 

77,695 

87,747 

-

Home equity (4)

877 

-

248 

1,125 

65,354 

66,479 

-

Consumer

-

-

-

-

2,271 

2,271 

-

Total

$

48,826 

$

2,368 

$

36,409 

$

87,603 

$

2,883,958 

$

2,971,561 

$

-

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

The following table sets forth the delinquency status of total loans receivable at December 31, 2024:

Loans Receivable

Greater Than

>90 Days

30-59 Days

60-90 Days

90 Days

Total Past

Total Loans

Past Due

Past Due

Past Due

Past Due

Due

Current

Receivable

and Accruing

(In Thousands)

Residential one-to-four family

$

3,229 

$

-

$

302 

$

3,531 

$

236,339 

$

239,870 

$

-

Commercial and multi-family (1)

8,279 

2,673 

30,903 

41,855 

2,114,074 

2,155,929 

6,049 

Cannabis related (2)

-

-

-

-

103,206 

103,206 

Construction (1)

-

1,829 

586 

2,415 

128,174 

130,589 

-

Commercial business (1) (3)

9,125 

580 

3,795 

13,500 

228,739 

242,239 

-

Business express

6,714 

3,452 

3,141 

13,307 

79,640 

92,947 

1,677 

Home equity (4)

1,846 

18 

231 

2,095 

64,674 

66,769 

-

Consumer

-

-

-

-

2,235 

2,235 

-

Total

$

29,193 

$

8,552 

$

38,958 

$

76,703 

$

2,957,081 

$

3,033,784 

$

7,726 

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.


‎

Amortized Cost Basis Of Loans Modified

For the three Months Ended March 31, 2025

(In Thousands)

Number

Payment Delay

Term Extension

Total Principal

% of Total Class of Financing Receivable

Commercial business

3 

$

-

$

1,006

$

1,006 

0.41 

%

Business express

65 

-

15,563

15,563 

17.74 

Total loans

68 

$

-

$

16,569

$

16,569 

For the three Months Ended March 31, 2024

(In Thousands)

Number

Payment Delay

Term Extension

Total Principal

% of Total Class of Financing Receivable

Residential one-to-four family

1 

$

-

$

180 

$

180 

0.07 

%

Total loans

1 

-

180 

180 
Loan Modifications

For the three Months Ended March 31, 2025

(In Thousands)

Current

30-59 Days Past Due

60-90 Days Past Due

Greater than 90 Days Past Due & Still Accruing

Non-accrual

Total

Commercial business

$

1,006 

$

-

$

-

$

-

$

-

$

1,006 

Business express

14,905 

-

-

-

658 

15,563 

$

15,911 

$

-

$

-

-

$

658 

$

16,569 

For the three Months Ended March 31, 2024

(In Thousands)

Current

30-59 Days Past Due

60-90 Days Past Due

Greater than 90 Days Past Due & Still Accruing

Non-accrual

Total

Residential one-to-four family

$

180 

$

-

$

-

$

-

$

-

$

180 

$

180 

$

-

$

-

-

$

-

$

180 
Non-Accruing Loans

As of March 31, 2025

(in Thousands)

Non-accrual loans with an Allowance for Credit Losses

Non-accrual loans without an Allowance for Credit Losses

Total Non-accrual loans

Amortized Cost of Loans Past due 90 and Still Accruing

Residential one-to-four family

$

-

$

1,138 

$

1,138 

$

-

Commercial and multi-family (1)

4,047 

51,055 

55,102 

-

Cannabis related (2)

34,194 

-

34,194 

-

Construction (1)

-

586 

586 

-

Commercial business (1) (3)

4,991 

2,725 

7,716 

-

Business express loans

658 

-

658 

-

Home equity (4)

-

439 

439 

-

Consumer

-

-

-

-

Total

$

43,890 

$

55,943 

$

99,833 

$

-

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

As of December 31, 2024

(in Thousands)

Non-accrual loans with an Allowance for Credit Losses

Non-accrual loans without an Allowance for Credit Losses

Total Non-accrual loans

Amortized Cost of Loans Past due 90 and Still Accruing

Residential one-to-four family

$

534 

$

853 

$

1,387 

$

-

Commercial and multi-family (1)

4,823 

28,151 

32,974 

6,049 

Cannabis related (2)

-

-

-

-

Construction (1)

-

586 

586 

-

Commercial business (1) (3)

5,208 

2,425 

7,633 

-

Business express loans

1,706 

191 

1,897 

1,677 

Home equity (4)

-

231 

231 

-

Total

$

12,271 

$

32,437 

$

44,708 

$

7,726 

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.
Loan Portfolio by Pass Rating

Loans by Year of Origination at March 31, 2025

2025

2024

2023

2022

2021

Prior

Revolving Loans

Revolving Loans to Term Loans

Total

Residential one-to-four family

Pass

$

360 

$

12,026 

$

16,249 

$

46,973 

$

36,408 

$

119,133 

$

-

$

-

$

231,149 

Special Mention

-

-

-

-

-

169 

-

-

169 

Substandard

-

-

-

296 

170 

672 

-

-

1,138 

Total one-to-four family

$

360 

$

12,026 

$

16,249 

$

47,269 

$

36,578 

$

119,974 

$

-

$

-

$

232,456 

Commercial and multi-family (1)

Pass

$

1,999 

$

8,228 

$

165,488 

$

554,334 

$

146,654 

$

816,379 

$

3,010 

$

-

$

1,696,092 

Special Mention

-

-

16,930 

142,742 

29,480 

66,360 

-

-

255,512 

Substandard

-

-

10,071 

49,319 

23,227 

96,686 

140 

-

179,443 

Total Commercial and multi-family

$

1,999 

$

8,228 

$

192,489 

$

746,395 

$

199,361 

$

979,425 

$

3,150 

$

-

$

2,131,047 

Cannabis related (2)

Pass

$

-

$

-

$

19,281 

$

26,429 

$

2,117 

$

8,150 

$

7,563 

$

-

$

63,540 

Special Mention

-

-

-

-

4,845 

-

1,000 

-

5,845 

Substandard

-

-

9,719 

24,475 

-

-

-

-

34,194 

Total Cannabis related

$

-

$

-

$

29,000 

$

50,904 

$

6,962 

$

8,150 

$

8,563 

$

-

$

103,579 

Construction (1)

Pass

$

-

$

1,486 

$

34,811 

$

35,570 

$

5,500 

$

-

$

5,024 

$

-

$

82,391 

Special Mention

-

-

1,653 

3,792 

10,257 

-

-

-

15,702 

Substandard

-

-

-

259 

14,996 

586 

-

-

15,841 

Total Construction

$

-

$

1,486 

$

36,464 

$

39,621 

$

30,753 

$

586 

$

5,024 

$

-

$

113,934 

Commercial business (1) (3)

Pass

$

-

$

7,724 

$

2,021 

$

5,126 

$

2,178 

$

30,783 

$

143,274 

$

-

$

191,106 

Special Mention

-

-

-

-

150 

4,254 

23,588 

-

27,992 

Substandard

-

-

-

-

417 

5,569 

8,964 

-

14,950 

Total Commercial business

$

-

$

7,724 

$

2,021 

$

5,126 

$

2,745 

$

40,606 

$

175,826 

$

-

$

234,048 

Business express

Pass

$

-

$

-

$

-

$

-

$

-

$

-

$

7,504 

$

70,984 

$

78,488 

Special Mention

-

-

-

-

-

-

1,054 

2,488 

3,542 

Substandard

-

-

-

-

-

-

1,669 

4,048 

5,717 

Total Business express

$

-

$

-

$

-

$

-

$

-

$

-

$

10,227 

$

77,520 

$

87,747 

Home equity (4)

Pass

$

-

$

256 

$

3,709 

$

1,343 

$

487 

$

5,872 

$

51,961 

$

2,146 

$

65,774 

Special Mention

-

-

-

-

-

-

-

-

-

Substandard

-

-

-

53 

-

99 

403 

150 

705 

Total Home equity

$

-

$

256 

$

3,709 

$

1,396 

$

487 

$

5,971 

$

52,364 

$

2,296 

$

66,479 

Consumer

Pass

$

311 

$

377 

$

1,112 

$

369 

$

5 

$

91 

$

6 

$

-

$

2,271 

Special Mention

-

-

-

-

-

-

-

-

-

Substandard

-

-

-

-

-

-

-

-

-

Total Consumer

$

311 

$

377 

$

1,112 

$

369 

$

5 

$

91 

$

6 

$

-

$

2,271 

Total Loans

$

2,670 

$

30,097 

$

281,044 

$

891,080 

$

276,891 

$

1,154,803 

$

255,160 

$

79,816 

$

2,971,561 

Gross charge-offs

$

-

$

-

$

-

$

-

$

255 

$

1,042 

$

2,165 

$

736 

$

4,198 

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.


‎

Note 7 - Loans Receivable and Allowance for Credit Losses (Continued)

The following table summarizes the Company's loans by year of origination and internally assigned credit risk rating and gross charge-offs for the year ended December 31, 2024.

Loans by Year of Origination at December 31, 2024

2024

2023

2022

2021

2020

Prior

Revolving Loans

Revolving Loans to Term Loans

Total

Residential one-to-four family

Pass

$

12,059 

$

16,586 

$

47,544 

$

37,639 

$

28,550 

$

92,376 

$

-

$

-

$

234,754 

Special Mention

-

-

3,555 

-

-

174 

-

-

3,729 

Substandard

-

-

301 

173 

-

913 

-

-

1,387 

Total one-to-four family

$

12,059 

$

16,586 

$

51,400 

$

37,812 

$

28,550 

$

93,463 

$

-

$

-

$

239,870 

Commercial and multi-family (1)

Pass

$

9,105 

$

183,547 

$

604,868 

$

154,968 

$

158,029 

$

709,239 

$

2,610 

$

-

$

1,822,366 

Special Mention

-

-

108,076 

37,600 

9,232 

47,756 

140 

-

202,804 

Substandard

-

10,115 

33,958 

13,027 

11,782 

61,877 

-

-

130,759 

Total Commercial and multi-family

$

9,105 

$

193,662 

$

746,902 

$

205,595 

$

179,043 

$

818,872 

$

2,750 

$

-

$

2,155,929 

Cannabis related (2)

Pass

$

-

$

19,384 

$

26,626 

$

2,129 

$

8,213 

$

-

$

6,863 

$

-

$

63,215 

Special Mention

-

9,761 

24,636 

4,844 

-

-

750 

-

39,991 

Substandard

-

-

-

-

-

-

-

-

-

Total Cannabis related

$

-

$

29,145 

$

51,262 

$

6,973 

$

8,213 

$

-

$

7,613 

$

-

$

103,206 

Construction (1)

Pass

$

4 

$

34,906 

$

37,624 

$

-

$

-

$

-

$

5,824 

$

-

$

78,358 

Special Mention

-

1,521 

3,792 

42,330 

3,745 

-

-

-

51,388 

Substandard

-

257 

-

-

586 

-

-

-

843 

Total Construction

$

4 

$

36,684 

$

41,416 

$

42,330 

$

4,331 

$

-

$

5,824 

$

-

$

130,589 

Commercial business (1) (3)

Pass

$

-

$

2,477 

$

266 

$

475 

$

3,711 

$

28,902 

$

156,581 

$

663 

$

193,075 

Special Mention

-

8,874 

-

1,878 

194 

4,835 

19,548 

409 

35,738 

Substandard

-

-

-

-

-

5,884 

7,542 

-

13,426 

Total Commercial business

$

-

$

11,351 

$

266 

$

2,353 

$

3,905 

$

39,621 

$

183,671 

$

1,072 

$

242,239 

Business express

Pass

$

-

$

-

$

-

$

-

$

-

$

-

$

23,739 

$

59,189 

$

82,928 

Special Mention

-

-

-

-

-

-

1,506 

2,894 

4,400 

Substandard

-

-

-

-

-

-

3,082 

2,537 

5,619 

Total Business express

$

-

$

-

$

-

$

-

$

-

$

-

$

28,327 

$

64,620 

$

92,947 

Home equity (4)

Pass

$

300 

$

3,767 

$

1,369 

$

501 

$

549 

$

5,754 

$

51,829 

$

2,186 

$

66,255 

Special Mention

-

-

-

-

-

18 

-

-

18 

Substandard

-

-

53 

-

81 

-

-

362 

496 

Total Home equity

$

300 

$

3,767 

$

1,422 

$

501 

$

630 

$

5,772 

$

51,829 

$

2,548 

$

66,769 

Consumer

Pass

$

623 

$

1,117 

$

389 

$

5 

$

95 

$

-

$

6 

$

-

$

2,235 

Special Mention

-

-

-

-

-

-

-

-

-

Substandard

-

-

-

-

-

-

-

-

-

Total Consumer

$

623 

$

1,117 

$

389 

$

5 

$

95 

$

-

$

6 

$

-

$

2,235 

Total Loans

$

22,091 

$

292,312 

$

893,057 

$

295,569 

$

224,767 

$

957,728 

$

280,020 

$

68,240 

$

3,033,784 

Gross charge-offs

$

446 

$

20 

$

-

$

174 

$

-

$

1,133 

$

8,381 

$

681 

$

10,835 

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.