XML 38 R28.htm IDEA: XBRL DOCUMENT
v3.25.3

Loans Receivable and Allowance for Credit Losses (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2025
Loans Receivable and Allowance for Credit Losses [Abstract] |
Recorded Investment in Loans Receivable |
| September 30, 2025 |  | December 31, 2024
| (In Thousands)
Residential one-to-four family | $ | 227,140 |  | $ | 239,870
Commercial and multi-family (1) |  | 2,080,088 |  |  | 2,155,929
Cannabis related (2) |  | 69,102 |  |  | 103,206
Construction (1) |  | 105,980 |  |  | 130,589
Commercial business (1) (3) |  | 192,762 |  |  | 242,239
Business express |  | 78,253 |  |  | 92,947
Home equity (4) |  | 73,566 |  |  | 66,769
Consumer |  | 2,042 |  |  | 2,235
|  | 2,828,933 |  |  | 3,033,784
Less: |  |  |  |  |
Deferred loan fees, net |  | (2,198) |  |  | (2,736)
Allowance for credit losses |  | (37,803) |  |  | (34,789)
Total Loans, net | $ | 2,788,932 |  | $ | 2,996,259
(1) Excludes Cannabis related loans. (2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry. (3) Excludes Business express loans. (4) Includes Home equity lines of credit.
Allowance for Credit Losses on loans | The following tables set forth the activity in the Company’s allowance for credit losses on loans for the three and nine months ended September 30, 2025, and the related portion of the allowance for credit losses that is allocated to each loan class, as of September 30, 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 on loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, July 1, 2025 | $ | 1,837 |  | $ | 12,419 |  | $ | 14,852 |  | $ | 1,907 |  | $ | 8,898 |  | $ | 10,093 |  | $ | 635 |  | $ | 17 |  | $ | 50,658
Charge-offs: |  | - |  |  | (79) |  |  | (12,756) |  |  | - |  |  | (3,453) |  |  | (1,206) |  |  | - |  |  | - |  |  | (17,494)
Recoveries: |  | 9 |  |  | - |  |  | - |  |  | - |  |  | 2 |  |  | 548 |  |  | - |  |  | - |  |  | 559
Provision (benefit): |  | (219) |  |  | (383) |  |  | (631) |  |  | (243) |  |  | 6,667 |  |  | (1,057) |  |  | (48) |  |  | (6) |  |  | 4,080
Ending Balance, September 30, 2025 |  | 1,627 |  |  | 11,957 |  |  | 1,465 |  |  | 1,664 |  |  | 12,114 |  |  | 8,378 |  |  | 587 |  |  | 11 |  |  | 37,803
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | - |  |  | 3,405 |  |  | - |  |  | 262 |  |  | 8,129 |  |  | 2,833 |  |  | - |  |  | - |  |  | 14,629
Collectively evaluated |  | 1,627 |  |  | 8,552 |  |  | 1,465 |  |  | 1,402 |  |  | 3,985 |  |  | 5,545 |  |  | 587 |  |  | 11 |  |  | 23,174
Ending Balance, September 30, 2025 |  | 1,627 |  |  | 11,957 |  |  | 1,465 |  |  | 1,664 |  |  | 12,114 |  |  | 8,378 |  |  | 587 |  |  | 11 |  |  | 37,803
Loans Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | 302 |  |  | 105,115 |  |  | - |  |  | 2,310 |  |  | 18,355 |  |  | 2,833 |  |  | 443 |  |  | - |  |  | 129,358
Collectively evaluated |  | 226,838 |  |  | 1,974,973 |  |  | 69,102 |  |  | 103,670 |  |  | 174,407 |  |  | 75,420 |  |  | 73,123 |  |  | 2,042 |  |  | 2,699,575
Total Gross Loans: | $ | 227,140 |  | $ | 2,080,088 |  | $ | 69,102 |  | $ | 105,980 |  | $ | 192,762 |  | $ | 78,253 |  | $ | 73,566 |  | $ | 2,042 |  | $ | 2,828,933
(1) Excludes Cannabis related loans. (2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry. (3) Excludes Business express loans. (4) Includes Home equity lines of credit.
| 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 on loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, January 1, 2025 | $ | 1,947 |  | $ | 10,451 |  | $ | 1,613 |  | $ | 1,902 |  | $ | 10,497 |  | $ | 7,769 |  | $ | 594 |  | $ | 16 |  | $ | 34,789
Charge-offs: |  | - |  |  | (419) |  |  | (12,756) |  |  | - |  |  | (5,301) |  |  | (9,246) |  |  | - |  |  | - |  |  | (27,722)
Recoveries: |  | 43 |  |  | - |  |  | - |  |  | - |  |  | 6 |  |  | 871 |  |  | - |  |  | - |  |  | 920
Provision (benefit): |  | (363) |  |  | 1,925 |  |  | 12,608 |  |  | (238) |  |  | 6,912 |  |  | 8,984 |  |  | (7) |  |  | (5) |  |  | 29,816
Ending Balance, September 30, 2025 | $ | 1,627 |  | $ | 11,957 |  | $ | 1,465 |  | $ | 1,664 |  | $ | 12,114 |  | $ | 8,378 |  | $ | 587 |  | $ | 11 |  | $ | 37,803
(1) Excludes Cannabis related loans. (2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry. (3) Excludes Business express loans. (4) Includes Home equity lines of credit. ‎ Note 7 - Loans Receivable and Allowance for Credit Losses (Continued) The following tables set forth the activity in the Company’s allowance for credit losses on loans for the three and nine months ended September 30, 2024, and the related portion of the allowance for credit losses that is allocated to each loan class, as of September 30, 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 on loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, July 1, 2024 | $ | 2,039 |  | $ | 13,581 |  | $ | 1,910 |  | $ | 2,760 |  | $ | 7,851 |  | $ | 6,444 |  | $ | 635 |  | $ | 23 |  | $ | 35,243
Charge-offs: |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (3,471) |  |  | - |  |  | - |  |  | (3,471)
Recoveries: |  | 8 |  |  | - |  |  | - |  |  | - |  |  | 22 |  |  | 1 |  |  | - |  |  | - |  |  | 31
Provision (benefit): |  | 30 |  |  | (1,472) |  |  | (115) |  |  | (503) |  |  | 754 |  |  | 4,168 |  |  | 10 |  |  | 18 |  |  | 2,890
Ending Balance, September 30, 2024 |  | 2,077 |  |  | 12,109 |  |  | 1,795 |  |  | 2,257 |  |  | 8,627 |  |  | 7,142 |  |  | 645 |  |  | 41 |  |  | 34,693
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | - |  |  | 971 |  |  | - |  |  | - |  |  | 2,025 |  |  | 3,052 |  |  | - |  |  | 20 |  |  | 6,068
Collectively evaluated |  | 2,077 |  |  | 11,138 |  |  | 1,795 |  |  | 2,257 |  |  | 6,602 |  |  | 4,090 |  |  | 645 |  |  | 21 |  |  | 28,625
Ending Balance, September 30, 2024 |  | 2,077 |  |  | 12,109 |  |  | 1,795 |  |  | 2,257 |  |  | 8,627 |  |  | 7,142 |  |  | 645 |  |  | 41 |  |  | 34,693
Loans Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | 235 |  |  | 56,869 |  |  | - |  |  | 586 |  |  | 4,993 |  |  | 3,052 |  |  | 293 |  |  | 20 |  |  | 66,048
Collectively evaluated |  | 240,815 |  |  | 2,148,731 |  |  | 103,396 |  |  | 141,438 |  |  | 259,752 |  |  | 95,905 |  |  | 67,273 |  |  | 2,289 |  |  | 3,059,599
Total Gross Loans: | $ | 241,050 |  | $ | 2,205,600 |  | $ | 103,396 |  | $ | 142,024 |  | $ | 264,745 |  | $ | 98,957 |  | $ | 67,566 |  | $ | 2,309 |  | $ | 3,125,647
(1) Excludes Cannabis related loans. (2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry. (3) Excludes Business express loans. (4) Includes Home equity lines of credit.
| 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 on loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, January 1, 2024 | $ | 2,344 |  | $ | 15,343 |  | $ | 2,344 |  | $ | 3,758 |  | $ | 4,508 |  | $ | 4,542 |  | $ | 691 |  | $ | 78 |  | $ | 33,608
Charge-offs: |  | - |  |  | - |  |  | - |  |  | - |  |  | (567) |  |  | (5,387) |  |  | - |  |  | (446) |  |  | (6,400)
Recoveries: |  | 33 |  |  | - |  |  | - |  |  | - |  |  | 27 |  |  | 9 |  |  | - |  |  | - |  |  | 69
Provision (benefit): |  | (300) |  |  | (3,234) |  |  | (549) |  |  | (1,501) |  |  | 4,659 |  |  | 7,978 |  |  | (46) |  |  | 409 |  |  | 7,416
Ending Balance, September 30, 2024 | $ | 2,077 |  | $ | 12,109 |  | $ | 1,795 |  | $ | 2,257 |  | $ | 8,627 |  | $ | 7,142 |  | $ | 645 |  | $ | 41 |  | $ | 34,693
(1) Excludes Cannabis related loans. (2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry. (3) Excludes Business express loans. (4) Includes Home equity lines of credit. Note 7 - Loans Receivable and Allowance for Credit Losses (Continued) The following tables set forth the activity in the Company’s allowance for credit losses on loans for the three and nine months ended September 30, 2023, and the related portion of the allowance for credit losses that is allocated to each loan class, as of September 30, 2023 (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 on loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, July 1, 2023 | $ | 2,453 |  | $ | 14,679 |  | $ | 509 |  | $ | 4,024 |  | $ | 5,302 |  | $ | 2,485 |  | $ | 722 |  | $ | 31 |  | $ | 30,205
Charge-offs: |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (515) |  |  | - |  |  | - |  |  | (515)
Recoveries: |  | 14 |  |  | - |  |  | - |  |  | - |  |  | 5 |  |  | - |  |  | - |  |  | - |  |  | 19
Provision (benefit): |  | (23) |  |  | (696) |  |  | 1,331 |  |  | 568 |  |  | 1,557 |  |  | (485) |  |  | (54) |  |  | 7 |  |  | 2,205
Ending Balance, September 30, 2023 |  | 2,444 |  |  | 13,983 |  |  | 1,840 |  |  | 4,592 |  |  | 6,864 |  |  | 1,485 |  |  | 668 |  |  | 38 |  |  | 31,914
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | - |  |  | - |  |  | 1,213 |  |  | 608 |  |  | 701 |  |  | 250 |  |  | - |  |  | - |  |  | 2,772
Collectively evaluated |  | 2,444 |  |  | 13,983 |  |  | 627 |  |  | 3,984 |  |  | 6,163 |  |  | 1,235 |  |  | 668 |  |  | 38 |  |  | 29,142
Ending Balance, September 30, 2023 |  | 2,444 |  |  | 13,983 |  |  | 1,840 |  |  | 4,592 |  |  | 6,864 |  |  | 1,485 |  |  | 668 |  |  | 38 |  |  | 31,914
Loans Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | 355 |  |  | 21,945 |  |  | 5,569 |  |  | 3,473 |  |  | 4,064 |  |  | 250 |  |  | 212 |  |  | - |  |  | 35,868
Collectively evaluated |  | 251,490 |  |  | 2,327,719 |  |  | 102,635 |  |  | 176,867 |  |  | 257,071 |  |  | 101,008 |  |  | 65,834 |  |  | 3,647 |  |  | 3,286,271
Total Gross Loans: | $ | 251,845 |  | $ | 2,349,664 |  | $ | 108,204 |  | $ | 180,340 |  | $ | 261,135 |  | $ | 101,258 |  | $ | 66,046 |  | $ | 3,647 |  | $ | 3,322,139
(1) Excludes Cannabis related loans. (2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry. (3) Excludes Business express loans. (4) Includes Home equity lines of credit.
| 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 on loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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) |  |  | (554) |  |  | - |  |  | - |  |  | - |  |  | (555)
Recoveries: |  | 38 |  |  | - |  |  | - |  |  | - |  |  | 30 |  |  | - |  |  | 16 |  |  | - |  |  | - |  |  | 84
Provision (benefit): |  | (212) |  |  | (445) |  |  | 1,583 |  |  | 1,150 |  |  | 626 |  |  | 1,483 |  |  | (15) |  |  | 7 |  |  | - |  |  | 4,177
Ending Balance, September 30, 2023 | $ | 2,444 |  | $ | 13,983 |  | $ | 1,840 |  | $ | 4,592 |  | $ | 6,864 |  | $ | 1,485 |  | $ | 668 |  | $ | 38 |  | $ | - |  | $ | 31,914
(1) Excludes Cannabis related loans. (2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry. (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 on loans 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 on loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 to borrowers involved in the cannabis industry. (3) Excludes Business express loans. (4) Includes Home equity lines of credit.
Allowance for Credit Losses on Off-Balance Sheet Exposures |
| Three Months Ended September 30,
|  | 2025 |  |  | 2024 |  |  | 2023
Allowance for credit losses on off-balance sheet exposures: |  |  |  |  |  |  |  |
Beginning balance | $ | 687 |  | $ | 759 |  | $ | 254
(Benefit) Provision for credit losses |  | (207) |  |  | (288) |  |  | 148
Balance at September 30 | $ | 480 |  | $ | 471 |  | $ | 402
| Nine Months Ended September 30,
|  | 2025 |  |  | 2024 |  |  | 2023
Allowance for credit losses on off-balance sheet exposures: |  |  |  |  |  |  |  |
Beginning Balance | $ | 813 |  | $ | 694 |  | $ | -
Impact of adopting ASU No. 2016-13 ("CECL") effective January 1, 2023 |  | - |  |  | - |  |  | 1,266
Benefit for credit losses |  | (333) |  |  | (223) |  |  | (864)
Balance at September 30 | $ | 480 |  | $ | 471 |  | $ | 402
Delinquency Status of Total Loans | The following table sets forth the delinquency status of total loans receivable as of September 30, 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 | $ | 4,779 |  | $ | - |  | $ | 302 |  | $ | 5,081 |  | $ | 222,059 |  | $ | 227,140 |  | $ | -
Commercial and multi-family (1) |  | 28,596 |  |  | 19,044 |  |  | 62,580 |  |  | 110,220 |  |  | 1,969,868 |  |  | 2,080,088 |  |  | -
Cannabis related (2) |  | - |  |  | - |  |  | - |  |  | - |  |  | 69,102 |  |  | 69,102 |  |  | -
Construction (1) |  | 14,996 |  |  | 13,996 |  |  | 2,310 |  |  | 31,302 |  |  | 74,678 |  |  | 105,980 |  |  | -
Commercial business (1) (3) |  | 3,633 |  |  | 1,238 |  |  | 16,164 |  |  | 21,035 |  |  | 171,727 |  |  | 192,762 |  |  | -
Business express |  | 2,344 |  |  | 599 |  |  | 1,115 |  |  | 4,058 |  |  | 74,195 |  |  | 78,253 |  |  | 244
Home equity (4) |  | 1,831 |  |  | - |  |  | 479 |  |  | 2,310 |  |  | 71,256 |  |  | 73,566 |  |  | 36
Consumer |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,042 |  |  | 2,042 |  |  | -
Total | $ | 56,179 |  | $ | 34,877 |  | $ | 82,950 |  | $ | 174,006 |  | $ | 2,654,927 |  | $ | 2,828,933 |  | $ | 280
(1) Excludes Cannabis related loans. (2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry. (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 to borrowers involved in the cannabis industry. (3) Excludes Business express loans. (4) Includes Home equity lines of credit. ‎
Amortized Cost Basis Of Loans Modified |
| For the Three Months Ended September 30, 2025
| (In Thousands)
|  | Number |  |  | Payment Delay |  |  | Term Extension |  |  | Rate Reduction & Term Extension |  |  | Total Principal |  |  | % of Total Class of Financing Receivable
Residential |  | 1 |  | $ | 168 |  | $ | - |  | $ | - |  | $ | 168 |  |  | 0.07 | %
Commercial business |  | 2 |  |  | - |  |  | - |  |  | 674 |  |  | 674 |  |  | 0.35 |
Business express |  | 10 |  |  | - |  |  | 2,096 |  |  | - |  |  | 2,096 |  |  | 2.68 |
Total loans |  | 13 |  | $ | 168 |  | $ | 2,096 |  | $ | 674 |  | $ | 2,938 |  |  |  |
| For the Three Months Ended September 30, 2024
| (In Thousands)
|  | Number |  |  | Payment Delay |  |  | Term Extension |  |  | Total Principal |  |  | % of Total Class of Financing Receivable
Business express |  | 114 |  | $ | - |  | $ | 25,688 |  | $ | 25,688 |  |  | 25.96 | %
Total loans |  | 114 |  | $ | - |  | $ | 25,688 |  | $ | 25,688 |  |  |  |
| For the Nine Months Ended September 30, 2025
| (In Thousands) |
|  | Number |  |  | Payment Delay |  |  | Term Extension |  |  | Rate Reduction & Term Extension |  |  | Total Principal |  |  | % of Total Class of Financing Receivable
Residential |  | 1 |  | $ | 168 |  | $ | - |  | $ | - |  | $ | 168 |  |  | 0.07 | %
Commercial & multi-family |  | 1 |  |  | - |  |  | 25,643 |  |  | - |  |  | 25,643 |  |  | 1.23 |
Commercial business |  | 7 |  |  | - |  |  | 985 |  |  | 1,021 |  |  | 2,006 |  |  | 1.04 |
Business express |  | 96 |  |  | - |  |  | 21,064 |  |  | - |  |  | 21,064 |  |  | 26.92 |
Total loans |  | 105 |  | $ | 168 |  | $ | 47,692 |  | $ | 1,021 |  | $ | 48,881 |  |  |  |
| For the Nine Months Ended September 30, 2024
| (In Thousands)
|  | Number |  |  | Payment Delay |  |  | Term Extension |  |  | Total Principal |  |  | % of Total Class of Financing Receivable
Residential one-to-four family |  | 1 |  | $ | 174 |  | $ | - |  | $ | 174 |  |  | 0.07 | %
Business express |  | 194 |  |  | - |  |  | 43,027 |  |  | 43,027 |  |  | 43.48 |
Total loans |  | 195 |  | $ | 174 |  | $ | 43,027 |  | $ | 43,201 |  |  | 1.38 |
Loans Modifications |
| For the Nine Months Ended September 30, 2025
| (In Thousands)
|  | Current |  |  | 30-59 Days Past Due |  |  | 60-90 Days Past Due |  |  | Non-accrual |  |  | Total
Residential | $ | - |  | $ | - |  | $ | - |  | $ | 168 |  | $ | 168
Commercial & multi-family |  | 25,643 |  |  | - |  |  | - |  |  | - |  |  | 25,643
Commercial business |  | 1,086 |  |  | - |  |  | - |  |  | 920 |  |  | 2,006
Business express |  | 19,924 |  |  | 491 |  |  | - |  |  | 649 |  |  | 21,064
Total | $ | 46,653 |  | $ | 491 |  | $ | - |  | $ | 1,737 |  | $ | 48,881
| For the Nine Months Ended September 30, 2024
| (In Thousands)
|  | Current |  |  | 30-59 Days Past Due |  |  | 60-90 Days Past Due |  |  | Non-accrual |  |  | Total
Residential one-to-four family | $ | 174 |  | $ | - |  | $ | - |  | $ | - |  | $ | 174
Business express |  | 42,581 |  |  | 249 |  |  | - |  |  | 197 |  |  | 43,027
Total | $ | 42,755 |  | $ | 249 |  | $ | - |  | $ | 197 |  | $ | 43,201
Non-Accruing Loans |
| As of September 30, 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 days and Still Accruing
Residential one-to-four family | $ | - |  | $ | 1,410 |  | $ | 1,410 |  | $ | -
Commercial and multi-family (1) |  | 5,993 |  |  | 64,553 |  |  | 70,546 |  |  | -
Cannabis related (2) |  | - |  |  | - |  |  | - |  |  | -
Construction (1) |  | 262 |  |  | 2,048 |  |  | 2,310 |  |  | -
Commercial business (1) (3) |  | 8,675 |  |  | 8,767 |  |  | 17,442 |  |  | -
Business express loans |  | 1,335 |  |  | - |  |  | 1,335 |  |  | 244
Home equity (4) |  | - |  |  | 474 |  |  | 474 |  |  | 36
Consumer |  | - |  |  | - |  |  | - |  |  | -
Total | $ | 16,265 |  | $ | 77,252 |  | $ | 93,517 |  | $ | 280
(1) Excludes Cannabis related loans. (2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry. (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 days 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 to borrowers involved in the cannabis industry. (3) Excludes Business express loans. (4) Includes Home equity lines of credit.
Loan Portfolio by Pass Rating |
Loans by Year of Origination at September 30, 2025
|  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Revolving Loans |  |  | Revolving Loans to Term Loans |  |  | Total
Residential one-to-four family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 6,857 |  | $ | 11,942 |  | $ | 15,785 |  | $ | 46,097 |  | $ | 35,199 |  | $ | 109,488 |  | $ | - |  | $ | - |  | $ | 225,368
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 650 |  |  | - |  |  | - |  |  | 650
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,122 |  |  | - |  |  | - |  |  | 1,122
Total one-to-four family | $ | 6,857 |  | $ | 11,942 |  | $ | 15,785 |  | $ | 46,097 |  | $ | 35,199 |  | $ | 111,260 |  | $ | - |  | $ | - |  | $ | 227,140
Commercial and multi-family (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 44,221 |  | $ | 8,321 |  | $ | 177,928 |  | $ | 570,046 |  | $ | 140,743 |  | $ | 798,587 |  | $ | 9,810 |  | $ | - |  | $ | 1,749,656
Special Mention |  | - |  |  | - |  |  | 967 |  |  | 91,216 |  |  | 16,277 |  |  | 43,544 |  |  | - |  |  | - |  |  | 152,004
Substandard |  | - |  |  | - |  |  | 672 |  |  | 57,316 |  |  | 39,509 |  |  | 80,791 |  |  | 140 |  |  | - |  |  | 178,428
Total Commercial and multi-family | $ | 44,221 |  | $ | 8,321 |  | $ | 179,567 |  | $ | 718,578 |  | $ | 196,529 |  | $ | 922,922 |  | $ | 9,950 |  | $ | - |  | $ | 2,080,088
Cannabis related (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | - |  | $ | - |  | $ | - |  | $ | 26,105 |  | $ | 2,084 |  | $ | 8,023 |  | $ | 8,050 |  | $ | - |  | $ | 44,262
Special Mention |  | - |  |  | - |  |  | 19,084 |  |  | - |  |  | 4,845 |  |  | - |  |  | 911 |  |  | - |  |  | 24,840
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total Cannabis related | $ | - |  | $ | - |  | $ | 19,084 |  | $ | 26,105 |  | $ | 6,929 |  | $ | 8,023 |  | $ | 8,961 |  | $ | - |  | $ | 69,102
Construction (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 917 |  | $ | 2,419 |  | $ | 30,854 |  | $ | 24,052 |  | $ | - |  | $ | - |  | $ | 5,024 |  | $ | - |  | $ | 63,266
Special Mention |  | - |  |  | - |  |  | 2,098 |  |  | 16,322 |  |  | 6,989 |  |  | - |  |  | - |  |  | - |  |  | 25,409
Substandard |  | - |  |  | - |  |  | - |  |  | 1,723 |  |  | 14,996 |  |  | 586 |  |  | - |  |  | - |  |  | 17,305
Total Construction | $ | 917 |  | $ | 2,419 |  | $ | 32,952 |  | $ | 42,097 |  | $ | 21,985 |  | $ | 586 |  | $ | 5,024 |  | $ | - |  | $ | 105,980
Commercial business (1) (3) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | - |  | $ | 7,496 |  | $ | 2,004 |  | $ | 5,085 |  | $ | 747 |  | $ | 25,183 |  | $ | 108,442 |  | $ | - |  | $ | 148,957
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,458 |  |  | 2,383 |  |  | 11,870 |  |  | - |  |  | 15,711
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 6,674 |  |  | 21,420 |  |  | - |  |  | 28,094
Total Commercial business | $ | - |  | $ | 7,496 |  | $ | 2,004 |  | $ | 5,085 |  | $ | 2,205 |  | $ | 34,240 |  | $ | 141,732 |  | $ | - |  | $ | 192,762
Business express |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 193 |  | $ | 73,435 |  | $ | 73,628
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,792 |  |  | 1,792
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 649 |  |  | 2,184 |  |  | 2,833
Total Business express | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 842 |  | $ | 77,411 |  | $ | 78,253
Home equity (4) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 959 |  | $ | 250 |  | $ | 3,386 |  | $ | 1,326 |  | $ | 415 |  | $ | 5,269 |  | $ | 56,913 |  | $ | 4,211 |  | $ | 72,729
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 46 |  |  | 317 |  |  | - |  |  | 363
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 81 |  |  | 31 |  |  | 362 |  |  | 474
Total Home equity | $ | 959 |  | $ | 250 |  | $ | 3,386 |  | $ | 1,326 |  | $ | 415 |  | $ | 5,396 |  | $ | 57,261 |  | $ | 4,573 |  | $ | 73,566
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 237 |  | $ | 297 |  | $ | 1,081 |  | $ | 334 |  | $ | 3 |  | $ | 84 |  | $ | 6 |  | $ | - |  | $ | 2,042
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total Consumer | $ | 237 |  | $ | 297 |  | $ | 1,081 |  | $ | 334 |  | $ | 3 |  | $ | 84 |  | $ | 6 |  | $ | - |  | $ | 2,042
Total Loans | $ | 53,191 |  | $ | 30,725 |  | $ | 253,859 |  | $ | 839,622 |  | $ | 263,265 |  | $ | 1,082,511 |  | $ | 223,776 |  | $ | 81,984 |  | $ | 2,828,933
Gross charge-offs | $ | - |  | $ | - |  | $ | - |  | $ | 12,913 |  | $ | 263 |  | $ | 1,087 |  | $ | 8,738 |  | $ | 4,721 |  | $ | 27,722
(1) Excludes Cannabis related loans. (2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry. (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 to borrowers involved in the cannabis industry. (3) Excludes Business express loans. (4) Includes Home equity lines of credit.

X
- Definition Allowance For Credit Losses On Off Balance Sheet Exposures [Table Text Block] + References No definition available. + Details
Name: | bcbp_AllowanceForCreditLossesOnOffBalanceSheetExposuresTableTextBlock
Namespace Prefix: | bcbp_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable modified for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(3) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 + Details
Name: | us-gaap_FinancingReceivableModifiedPastDueTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7A Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7 Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-16 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 34 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-34 Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 33 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration