
	Adjustable Rate
			After		After		After
		Within	One Year		3 Years		5 Years
(In Thousands)	One Year		Through 3 Years		Through 5 Years		Through 10 Years		Fixed Rate		Total
Mortgage loans:
Single-family	$	49,597	$	32,129	$	122,075	$	210,289	$	110,145	$	524,235
Multi-family		180,273		153,535		100,760		1,121		93		435,782
Commercial real estate		33,528		26,248		21,009		—		384		81,169
Construction		2,816		—		—		—		—		2,816
Other		—		—		—		—		92		92
Commercial business loans		1,362		—		—		—		148		1,510
Consumer loans		63		—		—		—		—		63
Total loans held for investment, gross	$	267,639	$	211,912	$	243,844	$	211,410	$	110,862	$	1,045,667


	Inland				Southern				Other
September 30, 2024	Empire⁽¹⁾				California⁽²⁾				California				Total
(Dollars in Thousands)	Balance		%		Balance		%		Balance		%		Balance		%
Owner occupied:
Office	$	696	12	%	$	4,933	85	%	$	189	3	%	$	5,818	100	%
Mixed use		—	—	%		—	—	%		289	100	%		289	100	%
Warehouse		—	—	%		1,679	81	%		384	19	%		2,063	100	%
Medical/dental office		275	11	%		1,782	74	%		369	15	%		2,426	100	%
Restaurant/fast food		—	—	%		688	100	%		—	—	%		688	100	%
Total owner occupied		971	9	%		9,082	80	%		1,231	11	%		11,284	100	%

Non-owner occupied:
Office		3,914	19	%		13,753	66	%		3,264	15	%		20,931	100	%
Mixed use		473	3	%		6,209	40	%		8,991	57	%		15,673	100	%
Retail		1,043	9	%		6,503	59	%		3,562	32	%		11,108	100	%
Warehouse		600	6	%		4,749	49	%		4,300	45	%		9,649	100	%
Mobile home park		4,834	70	%		356	5	%		1,683	25	%		6,873	100	%
Medical/dental office		1,765	39	%		2,126	46	%		685	15	%		4,576	100	%
Restaurant/fast food		—	—	%		498	100	%		—	—	%		498	100	%
Automotive - non gasoline		—	—	%		577	100	%		—	—	%		577	100	%
Total non-owner occupied		12,629	18	%		34,771	50	%		22,485	32	%		69,885	100	%

Total commercial real estate	$	13,600	17	%	$	43,853	54	%	$	23,716	29	%	$	81,169	100	%

(1)Inland Empire comprised of San Bernardino and Riverside counties.

(2)Other than the Inland Empire.


	Inland				Southern				Other
June 30, 2024	Empire⁽¹⁾				California⁽²⁾				California				Total
(Dollars in Thousands)	Balance		%		Balance		%		Balance		%		Balance		%
Owner occupied:
Office	$	1,540	23	%	$	4,959	74	%	$	191	3	%	$	6,690	100	%
Mixed use		—	—	%		—	—	%		293	100	%		293	100	%
Warehouse		—	—	%		1,689	81	%		387	19	%		2,076	100	%
Medical/dental office		276	11	%		1,791	74	%		372	15	%		2,439	100	%
Restaurant/fast food		—	—			690	100	%		—	—	%		690	100	%
Total owner occupied		1,816	15	%		9,129	75	%		1,243	10	%		12,188	100	%

Non-owner occupied:
Office		2,951	15	%		13,837	69	%		3,296	16	%		20,084	100	%
Mixed use		505	3	%		6,243	40	%		9,049	57	%		15,797	100	%
Retail		1,050	8	%		6,996	56	%		4,455	36	%		12,501	100	%
Warehouse		605	6	%		4,774	49	%		4,469	45	%		9,848	100	%
Mobile home park		4,859	70	%		358	5	%		1,692	25	%		6,909	100	%
Medical/dental office		1,797	39	%		2,159	46	%		689	15	%		4,645	100	%
Restaurant/fast food		—	—	%		500	100	%		—	—	%		500	100	%
Automotive - non gasoline		—	—	%		578	100	%		—	—	%		578	100	%
Live/work		—	—	%		—	—	%		299	100	%		299	100	%
Total non-owner occupied		11,767	16	%		35,445	50	%		23,949	34	%		71,161	100	%

Total commercial real estate	$	13,583	16	%	$	44,574	54	%	$	25,192	30	%	$	83,349	100	%

(1)	Inland Empire comprised of San Bernardino and Riverside counties.

(2)Other than the Inland Empire.


	For the Quarter Ended
	September 30,
(Dollars in Thousands)	2024			2023

ACL, beginning of period	$	7,065		$	5,946

Impact of ASC 326 CECL adoption⁽¹⁾		—			1,197

(Recovery of) provision for credit losses		(736)			536

Total recoveries		—			—

Total charge-offs		—			—

Net recoveries (charge-offs)		—			—
ACL, end of period	$	6,329		$	7,679

ACL on loans as a percentage of gross loans held for investment		0.61	%		0.72	%
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized)		—	%		—	%
ACL on loans as a percentage of gross non-performing loans at the end of the period		297.00	%		545.38	%

(1)	Represents the impact of adopting ASC 326 on July 1, 2023. Since that date, as a result of adopting ASC 326, the methodology to compute the ACL has been based on CECL methodology, rather than the previously applied incurred loss methodology.


	Quarter Ended September 30, 2024
	Single-			Multi-			Commercial									Commercial
(Dollars In Thousands)	family			family			Real Estate			Construction			Other			Business			Consumer			Total
ACL:
ACL, beginning of period	$	6,295		$	595		$	66		$	97		$	1		$	11		$	—		$	7,065
Recovery of credit losses		(616)			(92)			(8)			(19)			—			(1)			—			(736)
Recoveries		—			—			—			—			—			—			—			—
Charge-offs		—			—			—			—			—			—			—			—
ACL, end of period	$	5,679		$	503		$	58		$	78		$	1		$	10		$	—		$	6,329

ACL:
Individually evaluated for impairment	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Collectively evaluated for impairment		5,679			503			58			78			1			10			—			6,329
ACL, end of period	$	5,679		$	503		$	58		$	78		$	1		$	10		$	—		$	6,329

Loans held for investment:
Individually evaluated for impairment	$	732		$	—		$	—		$	—		$	—		$	—		$	—		$	732
Collectively evaluated for impairment		523,503			435,782			81,169			2,816			92			1,510			63			1,044,935
Total loans held for investment, gross	$	524,235		$	435,782		$	81,169		$	2,816		$	92		$	1,510		$	63		$	1,045,667
ACL on loans as a percentage of gross loans held for investment		1.08	%		0.12	%		0.07	%		2.77	%		1.09	%		0.66	%		—	%		0.61	%
Net (recoveries) charge-offs to average loans receivable, net during the period		—	%		—	%		—	%		—	%		—	%		—	%		—	%		—	%


	Quarter Ended September 30, 2023
	Single-			Multi-			Commercial									Commercial
(Dollars In Thousands)	family			family			Real Estate			Construction				Other		Business			Consumer			Total
ACL:
ACL, beginning of period	$	1,720		$	3,270		$	868		$	15		$	2		$	67		$	4		$	5,946
Adjustment to allowance for adoption of ASC 326		4,605			(2,614)			(786)			47			3			(54)			(4)			1,197
Provision for (recovery of) credit losses		550			3			(6)			(8)			(1)			(2)			—			536
Recoveries		—			—			—			—			—			—			—			—
Charge-offs		—			—			—			—			—			—			—			—
ACL, end of period	$	6,875		$	659		$	76		$	54		$	4		$	11		$	—		$	7,679

ACL:
Individually evaluated for impairment	$	37		$	—		$	—		$	—		$	—		$	—		$	—		$	37
Collectively evaluated for impairment		6,838			659			76			54			4			11			—			7,642
ACL, end of period	$	6,875		$	659		$	76		$	54		$	4		$	11		$	—		$	7,679

Loans held for investment:
Individually evaluated for impairment	$	990		$	—		$	—		$	—		$	—		$	—		$	—		$	990
Collectively evaluated for impairment		520,586			457,351			87,954			2,100			104			1,321			62			1,069,478
Total loans held for investment, gross	$	521,576		$	457,351		$	87,954		$	2,100		$	104		$	1,321		$	62		$	1,070,468
ACL on loans as a percentage of gross loans held for investment		1.32	%		0.14	%		0.09	%		2.57	%		3.85	%		0.83	%		—	%		0.72	%
Net (recoveries) charge-offs to average loans receivable, net during the period		—	%		—	%		—	%		—	%		—	%		—	%		—	%		—	%