
	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	$	49,724	$	67,637	$	126,886	$	200,335	$	104,953	$	549,535
Multi-family		222,467		122,416		67,216		2,985		91		415,175
Commercial real estate		24,894		34,964		10,782		—		370		71,010
Construction		205		427		—		—		—		632
Other		—		—		—		—		88		88
Commercial business loans		1,226		—		—		—		98		1,324
Consumer loans		61		—		—		—		—		61
Total loans held for investment, gross	$	298,577	$	225,444	$	204,884	$	203,320	$	105,600	$	1,037,825


	Inland				Southern				Other
September 30, 2025	Empire⁽¹⁾				California⁽²⁾				California				Total
(Dollars in Thousands)	Balance		%		Balance		%		Balance		%		Balance		%
Owner occupied:
Office	$	474	9	%	$	4,825	88	%	$	182	3	%	$	5,481	100	%
Mixed use		—	—	%		—	—	%		276	100	%		276	100	%
Warehouse		—	—	%		952	72	%		370	28	%		1,322	100	%
Medical/dental office		269	11	%		2,230	89	%		—	—	%		2,499	100	%
Restaurant/fast food		—	—	%		678	100	%		—	—	%		678	100	%
Total owner occupied		743	7	%		8,685	85	%		828	8	%		10,256	100	%

Non-owner occupied:
Office		3,810	21	%		11,857	65	%		2,541	14	%		18,208	100	%
Mixed use		446	3	%		6,259	44	%		7,556	53	%		14,261	100	%
Retail		1,020	12	%		3,764	45	%		3,624	43	%		8,408	100	%
Warehouse		1,055	13	%		3,953	51	%		2,801	36	%		7,809	100	%
Mobile home park		4,724	70	%		350	5	%		1,646	25	%		6,720	100	%
Medical/dental office		1,675	39	%		1,947	45	%		665	16	%		4,287	100	%
Restaurant/fast food		—	—	%		492	100	%		—	—	%		492	100	%
Automotive - non gasoline		—	—	%		569	100	%		—	—	%		569	100	%
Total non-owner occupied		12,730	21	%		29,191	48	%		18,833	31	%		60,754	100	%

Total commercial real estate	$	13,473	19	%	$	37,876	53	%	$	19,661	28	%	$	71,010	100	%

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

(2)Other than the Inland Empire.


	Inland				Southern				Other
June 30, 2025	Empire⁽¹⁾				California⁽²⁾				California				Total
(Dollars in Thousands)	Balance		%		Balance		%		Balance		%		Balance		%
Owner occupied:
Office	$	630	11	%	$	4,852	86	%	$	184	3	%	$	5,666	100	%
Mixed use		—	—	%		—	—	%		279	100	%		279	100	%
Warehouse		—	—	%		959	72	%		373	28	%		1,332	100	%
Medical/dental office		271	11	%		2,240	89	%		—	—	%		2,511	100	%
Restaurant/fast food		—	—			681	100	%		—	—	%		681	100	%
Total owner occupied		901	9	%		8,732	83	%		836	8	%		10,469	100	%

Non-owner occupied:
Office		3,837	19	%		13,488	68	%		2,570	13	%		19,895	100	%
Mixed use		449	3	%		6,297	44	%		7,584	53	%		14,330	100	%
Retail		1,026	13	%		3,296	41	%		3,679	46	%		8,001	100	%
Warehouse		1,064	13	%		3,992	51	%		2,813	36	%		7,869	100	%
Mobile home park		4,754	70	%		351	5	%		1,656	25	%		6,761	100	%
Medical/dental office		1,713	39	%		1,993	46	%		671	15	%		4,377	100	%
Restaurant/fast food		—	—	%		493	100	%		—	—	%		493	100	%
Automotive - non gasoline		—	—	%		571	100	%		—	—	%		571	100	%
Total non-owner occupied		12,843	21	%		30,481	49	%		18,973	30	%		62,297	100	%

Total commercial real estate	$	13,744	19	%	$	39,213	54	%	$	19,809	27	%	$	72,766	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)	2025			2024

ACL, beginning of period	$	6,424		$	7,065

Recovery of credit losses		(644)			(736)

Total recoveries		—			—

Total charge-offs		—			—

Net recoveries (charge-offs)		—			—
ACL, end of period	$	5,780		$	6,329

ACL on loans as a percentage of gross loans held for investment		0.56	%		0.61	%
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		305.50	%		297.00	%


	Quarter Ended September 30, 2025
	Single-			Multi-			Commercial									Commercial
(Dollars In Thousands)	family			family			Real Estate			Construction			Other			Business			Consumer			Total
ACL:
ACL, beginning of period	$	5,734		$	615		$	55		$	12		$	2		$	6		$	—		$	6,424
Recovery of credit losses		(608)			(31)			(2)			—			(1)			(2)			—			(644)
Recoveries		—			—			—			—			—			—			—			—
Charge-offs		—			—			—			—			—			—			—			—
ACL, end of period	$	5,126		$	584		$	53		$	12		$	1		$	4		$	—		$	5,780

ACL:
Individually evaluated for impairment	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Collectively evaluated for impairment		5,126			584			53			12			1			4			—			5,780
ACL, end of period	$	5,126		$	584		$	53		$	12		$	1		$	4		$	—		$	5,780

Loans held for investment:
Individually evaluated for impairment	$	189		$	1,320		$	—		$	—		$	—		$	—		$	—		$	1,509
Collectively evaluated for impairment		549,346			413,855			71,010			632			88			1,324			61			1,036,316
Total loans held for investment, gross	$	549,535		$	415,175		$	71,010		$	632		$	88		$	1,324		$	61		$	1,037,825
ACL on loans as a percentage of gross loans held for investment		0.93	%		0.14	%		0.07	%		1.90	%		1.14	%		0.30	%		—	%		0.56	%
Net (recoveries) charge-offs to average loans receivable, net during the period		—	%		—	%		—	%		—	%		—	%		—	%		—	%		—	%


	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		—	%		—	%		—	%		—	%		—	%		—	%		—	%		—	%