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Loans Receivable and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2025
Loans Receivable and Allowance for Credit Losses [Abstract] |
Recorded Investment in Loans Receivable | The following table presents the recorded investment in loans receivable at December 31, 2025 and December 31, 2024 by segment and class:
| December 31, 2025 |  | December 31, 2024
| (In Thousands)
Loans: |  |  |  |  |
Residential one-to-four family | $ | 226,708 |  | $ | 239,870
Commercial and multi-family (1) |  | 2,040,768 |  |  | 2,155,929
Cannabis related (2) |  | 69,293 |  |  | 103,206
Construction (1) |  | 68,521 |  |  | 130,589
Commercial business (1) (3) |  | 168,459 |  |  | 242,239
Business express |  | 74,862 |  |  | 92,947
Home equity (4) |  | 74,332 |  |  | 66,769
Consumer |  | 3,580 |  |  | 2,235
Total Loans |  | 2,726,523 |  |  | 3,033,784
Less: |  |  |  |  |
Deferred loan fees, net |  | (1,741) |  |  | (2,736)
Allowance for credit losses |  | (33,691) |  |  | (34,789)
|  | (35,432) |  |  | (37,525)
Total Loans, net | $ | 2,691,091 |  | $ | 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.
Related Party Loans |
| Years Ended December 31,
|  | 2025 |  |  | 2024
| (In Thousands)
Balance - beginning | $ | 26,505 |  | $ | 28,208
Loans originated |  | - |  |  | -
Changes in related party status |  | (57) |  |  | -
Collections of principal |  | (551) |  |  | (1,703)
Balance - ending | $ | 25,897 |  | $ | 26,505
Allowance for Credit Losses on loans | The following tables set forth the activity in the Bank’s allowance for credit losses and recorded investment in loans receivable at December 31, 2025, December 31, 2024 and December 31, 2023. The table also details the amount of total loans receivable, which are evaluated individually and collectively, for credit losses, 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, 2025 | $ | 1,947 |  | $ | 10,451 |  | $ | 1,613 |  | $ | 1,902 |  | $ | 10,497 |  | $ | 7,769 |  | $ | 594 |  | $ | 16 |  | $ | 34,789
Charge-offs |  | - |  |  | (419) |  |  | (13,520) |  |  | - |  |  | (19,457) |  |  | (11,328) |  |  | - |  |  | - |  |  | (44,724)
Recoveries |  | 75 |  |  | - |  |  | - |  |  | - |  |  | 7 |  |  | 1,533 |  |  | - |  |  | - |  |  | 1,615
Provision (benefit) |  | (246) |  |  | 2,025 |  |  | 13,384 |  |  | (1,234) |  |  | 15,629 |  |  | 12,416 |  |  | 38 |  |  | (1) |  |  | 42,011
Ending Balance, December 31, 2025 | $ | 1,776 |  | $ | 12,057 |  | $ | 1,477 |  | $ | 668 |  | $ | 6,676 |  | $ | 10,390 |  | $ | 632 |  | $ | 15 |  | $ | 33,691
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | - |  | $ | 2,657 |  | $ | - |  | $ | - |  | $ | 2,938 |  | $ | 998 |  | $ | - |  | $ | - |  | $ | 6,593
Collectively evaluated |  | 1,776 |  |  | 9,400 |  |  | 1,477 |  |  | 668 |  |  | 3,738 |  |  | 9,392 |  |  | 632 |  |  | 15 |  |  | 27,098
Ending Balance, December 31, 2025 | $ | 1,776 |  | $ | 12,057 |  | $ | 1,477 |  | $ | 668 |  | $ | 6,676 |  | $ | 10,390 |  | $ | 632 |  | $ | 15 |  | $ | 33,691
Loans Receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 1,392 |  | $ | 130,581 |  | $ | - |  | $ | 18,888 |  | $ | 10,073 |  | $ | 998 |  | $ | 294 |  | $ | - |  | $ | 162,226
Collectively evaluated |  | 225,316 |  |  | 1,910,187 |  |  | 69,293 |  |  | 49,633 |  |  | 158,386 |  |  | 73,864 |  |  | 74,038 |  |  | 3,580 |  |  | 2,564,297
Total Gross Loans, December 31, 2025 | $ | 226,708 |  | $ | 2,040,768 |  | $ | 69,293 |  | $ | 68,521 |  | $ | 168,459 |  | $ | 74,862 |  | $ | 74,332 |  | $ | 3,580 |  | $ | 2,726,523
(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 decrease in the allowance for credit losses on loans during the year ended December 31, 2025 was primarily due to a decrease in reserves on individually evaluated loans offset by an increase in reserves on collectively evaluated business express loans. ‎ Note 5- Loans Receivable and Allowance for Credit Losses (continued)
| 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 Receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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, December 31, 2024 | $ | 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.
| 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: |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (805) |  |  | - |  |  | - |  |  | - |  |  | (805)
Recoveries: |  | 45 |  |  | - |  |  | - |  |  | - |  |  | 29 |  |  | 11 |  |  | 16 |  |  | - |  |  | - |  |  | 101
Provision (benefit): |  | (319) |  |  | 915 |  |  | 2,087 |  |  | 316 |  |  | (1,730) |  |  | 4,780 |  |  | 8 |  |  | 47 |  |  | - |  |  | 6,104
Ending Balance, December 31, 2023 | $ | 2,344 |  | $ | 15,343 |  | $ | 2,344 |  | $ | 3,758 |  | $ | 4,508 |  | $ | 4,542 |  | $ | 691 |  | $ | 78 |  | $ | - |  | $ | 33,608
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | - |  | $ | 990 |  | $ | 1,157 |  | $ | 310 |  | $ | 975 |  | $ | 797 |  | $ | - |  | $ | - |  | $ | - |  | $ | 4,229
Collectively evaluated |  | 2,344 |  |  | 14,353 |  |  | 1,187 |  |  | 3,448 |  |  | 3,533 |  |  | 3,745 |  |  | 691 |  |  | 78 |  |  | - |  |  | 29,379
Ending Balance, December 31, 2023 | $ | 2,344 |  | $ | 15,343 |  | $ | 2,344 |  | $ | 3,758 |  | $ | 4,508 |  | $ | 4,542 |  | $ | 691 |  | $ | 78 |  | $ | - |  | $ | 33,608
Loans Receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 444 |  | $ | 40,417 |  | $ | 5,342 |  | $ | 2,898 |  | $ | 3,909 |  | $ | 797 |  | $ | 212 |  | $ | - |  | $ | - |  | $ | 54,019
Collectively evaluated |  | 247,851 |  |  | 2,299,039 |  |  | 103,619 |  |  | 185,035 |  |  | 255,946 |  |  | 102,131 |  |  | 66,119 |  |  | 3,643 |  |  | - |  |  | 3,263,383
Total Gross Loans, December 31, 2023 | $ | 248,295 |  | $ | 2,339,456 |  | $ | 108,961 |  | $ | 187,933 |  | $ | 259,855 |  | $ | 102,928 |  | $ | 66,331 |  | $ | 3,643 |  | $ | - |  | $ | 3,317,402
(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 |
| Twelve Months Ended December 31,
|  | 2025 |  |  | 2024 |  |  | 2023
| (in Thousands)
Allowance for Credit Losses: |  |  |  |  |  |  |  |
Beginning Balance | $ | 813 |  | $ | 694 |  | $ | -
Impact of adopting ASU No. 2016-13 ("CECL") effective January 1, 2023 |  | - |  |  | - |  |  | 1,266
Provision (benefit) for credit losses |  | 17 |  |  | 119 |  |  | (572)
| $ | 830 |  | $ | 813 |  | $ | 694
Non-Accruing Loans |
| As of December 31, 2025
| (in Thousands)
|  | Nonaccrual loans with an Allowance for Credit Losses |  |  | Nonaccrual loans without an Allowance for Credit Losses |  |  | Total Nonaccrual loans |  |  | Amortized Cost of Loans Past Due 90 Days and Still Accruing
Residential one-to-four family | $ | - |  | $ | 1,554 |  | $ | 1,554 |  | $ | -
Commercial and multi-family (1) |  | 2,500 |  |  | 49,659 |  |  | 52,159 |  |  | -
Cannabis related (2) |  | - |  |  | - |  |  | - |  |  | -
Construction (1) |  | - |  |  | 4,897 |  |  | 4,897 |  |  | -
Commercial business (1) (3) |  | 1,660 |  |  | 2,065 |  |  | 3,725 |  |  | -
Business express |  | 626 |  |  | - |  |  | 626 |  |  | -
Home equity (4) |  | - |  |  | 294 |  |  | 294 |  |  | -
Total | $ | 4,786 |  | $ | 58,469 |  | $ | 63,255 |  | $ | -
(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)
|  | Nonaccrual loans with an Allowance for Credit Losses |  |  | Nonaccrual loans without an Allowance for Credit Losses |  |  | Total Nonaccrual 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 |  | 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.
Delinquency Status of Total Loans |
|  |  |  |  |  |  | Greater Than |  |  |  |  |  |  |  |  |
| 30-59 Days |  | 60-90 Days |  | 90 Days |  | Total Past |  |  |  |  | Total Loans
| Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Receivable
|  | (In Thousands)
Residential one-to-four family | $ | 4,342 |  | $ | 279 |  | $ | 594 |  | $ | 5,215 |  | $ | 221,493 |  | $ | 226,708
Commercial and multi-family (1) |  | 17,600 |  |  | 3,296 |  |  | 51,979 |  |  | 72,875 |  |  | 1,967,893 |  |  | 2,040,768
Cannabis related (2) |  | - |  |  | - |  |  | - |  |  | - |  |  | 69,293 |  |  | 69,293
Construction (1) |  | - |  |  | - |  |  | 4,897 |  |  | 4,897 |  |  | 63,624 |  |  | 68,521
Commercial business (1) (3) |  | 8,583 |  |  | 1,041 |  |  | 2,975 |  |  | 12,599 |  |  | 155,860 |  |  | 168,459
Business express |  | 1,961 |  |  | - |  |  | - |  |  | 1,961 |  |  | 72,901 |  |  | 74,862
Home equity (4) |  | 1,289 |  |  | 65 |  |  | 231 |  |  | 1,585 |  |  | 72,747 |  |  | 74,332
Consumer |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,580 |  |  | 3,580
Total | $ | 33,775 |  | $ | 4,681 |  | $ | 60,676 |  | $ | 99,132 |  | $ | 2,627,391 |  | $ | 2,726,523
(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:
|  |  |  |  |  |  | Greater Than |  |  |  |  |  |  |  |  |
| 30-59 Days |  | 60-90 Days |  | 90 Days |  | Total Past |  |  |  |  | Total Loans
| Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Receivable
|  | (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
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
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
(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 Twelve Months Ended December 31, 2025
|  | (In Thousands)
|  | Number |  |  | Payment Delay |  |  | Term Extension |  | Rate & Term Reduction |  |  |  | Total Principal |  |  | % of Total Class of Financing Receivable
Residential |  | 1 |  | $ | 162 |  | $ | - | $ | - |  |  | $ | 162 |  |  | 0.07 | %
Commercial and multi-family |  | 1 |  |  | - |  |  | 25,523 |  | - |  |  |  | 25,523 |  |  | 1.25 |
Commercial business |  | 5 |  |  | - |  |  | 717 |  | 344 |  |  |  | 1,061 |  |  | 0.63 |
Business express |  | 97 |  |  | - |  |  | 20,008 |  | - |  |  |  | 20,008 |  |  | 26.73 |
|  | 104 |  | $ | 162 |  | $ | 46,248 | $ | 344 |  |  | $ | 46,754 |  |  | 1.71 |
|  | For the Twelve Months Ended December 31, 2024
|  | (In Thousands)
|  | Number |  |  | Payment Delay |  |  | Term Extension |  | Rate & Term Reduction |  |  |  | Total Principal |  |  | % of Total Class of Financing Receivable
Residential |  | 1 |  | $ | 173 |  | $ | - | $ | - |  |  | $ | 173 |  |  | 0.07 | %
Commercial and multi-family |  | 1 |  |  | - |  |  | - |  | 15,036 |  |  |  | 15,036 |  |  | 0.67 |
Commercial business |  | 1 |  |  | 1,294 |  |  | - |  | - |  |  |  | 1,294 |  |  | 0.52 |
Business express |  | 276 |  |  | - |  |  | 63,299 |  | - |  |  |  | 63,299 |  |  | 68.10 |
|  | 279 |  | $ | 1,467 |  | $ | 63,299 | $ | 15,036 |  |  | $ | 79,802 |  |  | 2.63 |
Loans Modifications |
| For the Twelve Months Ended December 31, 2025
| (In Thousands)
|  | Current |  |  | 30-59 Days Past Due |  |  | 60-90 Days Past Due |  | Greater than 90 Days Past Due & Accruing |  |  |  | Nonaccrual |  |  | Total
Residential | $ | - |  | $ | - |  | $ | - | $ | - |  |  | $ | 162 |  | $ | 162
Commercial and multi-family |  | 25,523 |  |  | - |  |  | - |  | - |  |  |  | - |  |  | 25,523
Commercial business |  | 394 |  |  | 244 |  |  | - |  | - |  |  |  | 667 |  |  | 1,305
Business express |  | 19,138 |  |  | - |  |  | - |  | - |  |  |  | 626 |  |  | 19,764
| $ | 45,055 |  | $ | 244 |  | $ | - | $ | - |  |  | $ | 1,455 |  | $ | 46,754
| For the Twelve Months Ended December 31, 2024
| (In Thousands)
|  | Current |  |  | 30-59 Days Past Due |  |  | 60-90 Days Past Due |  | Greater than 90 Days Past Due & Accruing |  |  |  | Nonaccrual |  |  | Total
Residential | $ | - |  | $ | 173 |  | $ | - | $ | - |  |  | $ | - |  | $ | 173
Commercial and multi-family |  | 15,036 |  |  | - |  |  | - |  | - |  |  |  | - |  |  | 15,036
Commercial business |  | - |  |  | - |  |  | - |  | - |  |  |  | 1,294 |  |  | 1,294
Business express |  | 62,791 |  |  | 74 |  |  | - |  | - |  |  |  | 434 |  |  | 63,299
| $ | 77,827 |  | $ | 247 |  | $ | - | $ | - |  |  | $ | 1,728 |  | $ | 79,802
Loan Portfolio by Pass Rating |
Loans by Year of Origination at December 31, 2025
|  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Revolving Loans |  |  | Revolving Loans to Term Loans |  |  | Total
Residential one-to-four family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 10,255 |  | $ | 11,887 |  | $ | 15,164 |  | $ | 43,691 |  | $ | 33,586 |  | $ | 107,069 |  | $ | - |  | $ | - |  | $ | 221,652
Special Mention |  | - |  |  | - |  |  | - |  |  | 1,802 |  |  | 910 |  |  | 790 |  |  | - |  |  | - |  |  | 3,502
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | 445 |  |  | 1,109 |  |  | - |  |  | - |  |  | 1,554
Total one-to-four family | $ | 10,255 |  | $ | 11,887 |  | $ | 15,164 |  | $ | 45,493 |  | $ | 34,941 |  | $ | 108,968 |  | $ | - |  | $ | - |  | $ | 226,708
Commercial and multi-family (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 50,098 |  | $ | 8,293 |  | $ | 184,486 |  | $ | 613,331 |  | $ | 151,205 |  | $ | 773,732 |  | $ | 8,760 |  | $ | - |  | $ | 1,789,905
Special Mention |  | - |  |  | - |  |  | - |  |  | 28,029 |  |  | 11,307 |  |  | 58,141 |  |  | - |  |  | - |  |  | 97,477
Substandard |  | - |  |  | - |  |  | 1,633 |  |  | 68,011 |  |  | 18,795 |  |  | 64,807 |  |  | 140 |  |  | - |  |  | 153,386
Total Commercial and multi-family | $ | 50,098 |  | $ | 8,293 |  | $ | 186,119 |  | $ | 709,371 |  | $ | 181,307 |  | $ | 896,680 |  | $ | 8,900 |  | $ | - |  | $ | 2,040,768
Cannabis related (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | - |  | $ | - |  | $ | - |  | $ | 8,385 |  | $ | 2,067 |  | $ | 7,958 |  | $ | 8,050 |  | $ | - |  | $ | 26,460
Special Mention |  | - |  |  | - |  |  | 18,981 |  |  | 17,552 |  |  | 5,442 |  |  | - |  |  | 858 |  |  | - |  |  | 42,833
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total Cannabis Related | $ | - |  | $ | - |  | $ | 18,981 |  | $ | 25,937 |  | $ | 7,509 |  | $ | 7,958 |  | $ | 8,908 |  | $ | - |  | $ | 69,293
Construction (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 917 |  | $ | 2,004 |  | $ | 15,752 |  | $ | 19,460 |  | $ | 4,403 |  | $ | - |  | $ | 4,803 |  | $ | - |  | $ | 47,339
Special Mention |  | - |  |  | - |  |  | 2,294 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,294
Substandard |  | - |  |  | - |  |  | - |  |  | 15,715 |  |  | 2,587 |  |  | 586 |  |  | - |  |  | - |  |  | 18,888
Total Construction | $ | 917 |  | $ | 2,004 |  | $ | 18,046 |  | $ | 35,175 |  | $ | 6,990 |  | $ | 586 |  | $ | 4,803 |  | $ | - |  | $ | 68,521
Commercial business (1) (3) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | - |  | $ | 7,388 |  | $ | 1,995 |  | $ | 4,829 |  | $ | 1,039 |  | $ | 24,455 |  | $ | 93,029 |  | $ | - |  | $ | 132,735
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,458 |  |  | 2,358 |  |  | 18,153 |  |  | - |  |  | 21,969
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,047 |  |  | 11,708 |  |  | - |  |  | 13,755
Total Commercial business | $ | - |  | $ | 7,388 |  | $ | 1,995 |  | $ | 4,829 |  | $ | 2,497 |  | $ | 28,860 |  | $ | 122,890 |  | $ | - |  | $ | 168,459
Business express |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ |  |  | $ | 71,843 |  | $ | 71,843
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  |  |  |  | 2,021 |  |  | 2,021
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 397 |  |  | 601 |  |  | 998
Total Business express | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 397 |  | $ | 74,465 |  | $ | 74,862
Home equity (4) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,796 |  | $ | 164 |  | $ | 3,293 |  | $ | 1,246 |  | $ | 396 |  | $ | 4,914 |  | $ | 57,357 |  | $ | 4,319 |  | $ | 73,485
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 42 |  |  | 511 |  |  | - |  |  | 553
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 114 |  |  | 30 |  |  | 150 |  |  | 294
Total Home equity | $ | 1,796 |  | $ | 164 |  | $ | 3,293 |  | $ | 1,246 |  | $ | 396 |  | $ | 5,070 |  | $ | 57,898 |  | $ | 4,469 |  | $ | 74,332
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,824 |  | $ | 272 |  | $ | 1,106 |  | $ | 290 |  | $ | 2 |  | $ | 80 |  | $ | 6 |  | $ | - |  | $ | 3,580
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total Consumer | $ | 1,824 |  | $ | 272 |  | $ | 1,106 |  | $ | 290 |  | $ | 2 |  | $ | 80 |  | $ | 6 |  | $ | - |  | $ | 3,580
Total Loans | $ | 64,890 |  | $ | 30,008 |  | $ | 244,704 |  | $ | 822,341 |  | $ | 233,642 |  | $ | 1,048,202 |  | $ | 203,802 |  | $ | 78,934 |  | $ | 2,726,523
Gross charge-offs | $ | - |  | $ | - |  | $ | - |  | $ | 12,836 |  | $ | 282 |  | $ | 3,848 |  | $ | 18,166 |  | $ | 9,592 |  | $ | 44,724
(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 5 - Loans Receivable and Allowance for Credit Losses (continued)
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. ‎

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