
	December 31, 2024
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2025		2024		2023		2022		2021		Prior		Loans		Receivable

Commercial business
Risk rating
Pass	$	7,714	$	20,332	$	57,278	$	79,864	$	21,697	$	25,379	$	7,536	$	219,800
Special Mention		2,077		—		—		613		519		806		649		4,664
Substandard		—		—		—		—		—		42		—		42
Total commercial business	$	9,791	$	20,332	$	57,278	$	80,477	$	22,216	$	26,227	$	8,185	$	224,506
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate
Risk rating
Pass	$	20,427	$	37,573	$	60,894	$	142,028	$	87,473	$	180,602	$	—	$	528,997
Special Mention		4,489		3,166		3,668		2,698		—		31,385		—		45,406
Substandard		—		30		—		—		—		63		—		93
Total commercial real estate	$	24,916	$	40,769	$	64,562	$	144,726	$	87,473	$	212,050	$	—	$	574,496
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	80	$	80

Land
Risk rating
Pass	$	619	$	—	$	2,597	$	86	$	—	$	479	$	281	$	4,062
Total land	$	619	$	—	$	2,597	$	86	$	—	$	479	$	281	$	4,062
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multi-family
Risk rating
Pass	$	711	$	953	$	26,020	$	36,040	$	4,289	$	10,383	$	—	$	78,396
Special Mention		—		—		184		—		18		166		—		368
Substandard		—		—		—		—		—		58		—		58
Total multi-family	$	711	$	953	$	26,204	$	36,040	$	4,307	$	10,607	$	—	$	78,822
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	December 31, 2024
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2025		2024		2023		2022		2021		Prior		Loans		Receivable

Real estate construction
Risk rating
Pass	$	10,901	$	27,530	$	3,442	$	8,083	$	—	$	—	$	—	$	49,956
Total real estate construction	$	10,901	$	27,530	$	3,442	$	8,083	$	—	$	—	$	—	$	49,956
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Real estate one-to-four family
Risk rating
Pass	$	10	$	—	$	—	$	59,305	$	4,072	$	17,482	$	16,859	$	97,728
Substandard		—		—		—		—		—		32		—		32
Total real estate one-to-four family	$	10	$	—	$	—	$	59,305	$	4,072	$	17,514	$	16,859	$	97,760
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	11	$	11

Other installment
Risk rating
Pass	$	13,928	$	606	$	376	$	118	$	53	$	10	$	416	$	15,507
Total other installment	$	13,928	$	606	$	376	$	118	$	53	$	10	$	416	$	15,507
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	26	$	26

Total loans receivable, gross
Risk rating
Pass	$	54,310	$	86,994	$	150,607	$	325,524	$	117,584	$	234,335	$	25,092	$	994,446
Special Mention		6,566		3,166		3,852		3,311		537		32,357		649		50,438
Substandard		—		30		—		—		—		195		—		225
Total loans receivable, gross	$	60,876	$	90,190	$	154,459	$	328,835	$	118,121	$	266,887	$	25,741	$	1,045,109
Total current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	117	$	117


	March 31, 2024
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2024		2023		2022		2021		2020		Prior		Loans		Receivable

Commercial business
Risk rating
Pass	$	14,126	$	63,838	$	85,131	$	28,119	$	16,945	$	12,411	$	4,827	$	225,397
Special Mention		—		—		733		—		486		232		2,498		3,949
Substandard		—		—		—		—		—		58		—		58
Total commercial business	$	14,126	$	63,838	$	85,864	$	28,119	$	17,431	$	12,701	$	7,325	$	229,404
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate
Risk rating
Pass	$	36,116	$	66,847	$	147,015	$	89,662	$	53,424	$	158,311	$	—	$	551,375
Special Mention		—		3,752		897		—		—		26,878		—		31,527
Substandard		520		—		—		—		—		79		—		599
Total commercial real estate	$	36,636	$	70,599	$	147,912	$	89,662	$	53,424	$	185,268	$	—	$	583,501
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Land
Risk rating
Pass	$	2,361	$	2,340	$	94	$	—	$	106	$	437	$	—	$	5,338
Special Mention		—		355		—		—		—		—		—		355
Total land	$	2,361	$	2,695	$	94	$	—	$	106	$	437	$	—	$	5,693
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multi-family
Risk rating
Pass	$	970	$	21,643	$	32,003	$	4,841	$	8,788	$	2,429	$	—	$	70,674
Special Mention		—		—		—		—		35		32		—		67
Substandard		—		—		—		—		—		30		—		30
Total multi-family	$	970	$	21,643	$	32,003	$	4,841	$	8,823	$	2,491	$	—	$	70,771
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	March 31, 2024
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2024		2023		2022		2021		2020		Prior		Loans		Receivable

Real estate construction
Risk rating
Pass	$	13,320	$	10,078	$	12,346	$	—	$	—	$	—	$	—	$	35,744
Special Mention		794		—		—		—		—		—		—		794
Total real estate construction	$	14,114	$	10,078	$	12,346	$	—	$	—	$	—	$	—	$	36,538
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Real estate one-to-four family
Risk rating
Pass	$	—	$	—	$	60,447	$	4,164	$	4,364	$	14,756	$	12,599	$	96,330
Substandard		—		—		—		—		—		36		—		36
Total real estate one-to-four family	$	—	$	—	$	60,447	$	4,164	$	4,364	$	14,792	$	12,599	$	96,366
Current YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Other installment
Risk rating
Pass	$	418	$	555	$	198	$	75	$	27	$	8	$	459	$	1,740
Total other installment	$	418	$	555	$	198	$	75	$	27	$	8	$	459	$	1,740
Current YTD gross charge-offs	$	—	$	11	$	—	$	—	$	—	$	2	$	—	$	13

Total loans receivable, gross
Risk rating
Pass	$	67,311	$	165,301	$	337,234	$	126,861	$	83,654	$	188,352	$	17,885	$	986,598
Special Mention		794		4,107		1,630		—		521		27,142		2,498		36,692
Substandard		520		—		—		—		—		203		—		723
Total loans receivable, gross	$	68,625	$	169,408	$	338,864	$	126,861	$	84,175	$	215,697	$	20,383	$	1,024,013
Total current YTD gross charge-offs	$	—	$	11	$	—	$	—	$	—	$	2	$	—	$	13

The following tables present an analysis of loans by aging category at the dates indicated (in thousands):