| Schedule of Activity in the Allowance for Loan and Lease Losses |
The following table summarizes activity in the ACL on loans and leases for the periods indicated:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Multi- Family | | Commercial Real Estate(1) | | One-to-Four Family First Mortgage | | Commercial and Industrial | | Other | | Total | | Three Months Ended September 30, 2025 | | | Balance, beginning of period | $ | 538 | | | $ | 318 | | | $ | 33 | | | $ | 160 | | | $ | 57 | | | $ | 1,106 | | | Charge-offs | (53) | | (19) | | (1) | | (9) | | (10) | | (92) | | Recoveries | 7 | | 1 | | — | | 8 | | 3 | | 19 | | Provision for (recovery of) credit losses on loans and leases | 66 | | (45) | | 2 | | (2) | | 17 | | 38 | | Balance, end of period | $ | 558 | | | $ | 255 | | | $ | 34 | | | $ | 157 | | | $ | 67 | | | $ | 1,071 | | | Three Months Ended September 30, 2024 | | | | | | | | | | | | | Balance, beginning of period | $ | 618 | | | $ | 371 | | | $ | 40 | | | $ | 173 | | | $ | 66 | | | $ | 1,268 | | | Charge-offs | (101) | | (114) | | (7) | | (33) | | (5) | | (260) | | Recoveries | 3 | | 6 | | 5 | | 5 | | 2 | | 21 | | Provision for (recovery of) credit losses on loans and leases | 104 | | 79 | | 4 | | 42 | | 6 | | 235 | | Balance, end of period | $ | 624 | | | $ | 342 | | | $ | 42 | | | $ | 187 | | | $ | 69 | | | $ | 1,264 | | | | | | | | | | | | | | | Nine Months Ended September 30, 2025 | | | | | | | | | | | | | Balance, beginning of period | $ | 639 | | | $ | 304 | | | $ | 39 | | | $ | 151 | | | $ | 68 | | | $ | 1,201 | | | Charge-offs | (238) | | (41) | | (3) | | (50) | | (24) | | (356) | | Recoveries | 16 | | 8 | | — | | 18 | | 9 | | 51 | | Provision for (recovery of) credit losses on loans and leases | 141 | | (16) | | (2) | | 38 | | 14 | | 175 | | Balance, end of period | $ | 558 | | | $ | 255 | | | $ | 34 | | | $ | 157 | | | $ | 67 | | | $ | 1,071 | | | Nine Months Ended September 30, 2024 | | | | | | | | | | | | | Balance, beginning of period | $ | 307 | | | $ | 402 | | | $ | 47 | | | $ | 134 | | | $ | 102 | | | $ | 992 | | | Charge-offs | (188) | | (415) | | (8) | | (79) | | (15) | | (705) | | Recoveries | 4 | | 6 | | 5 | | 16 | | 4 | | 35 | | Provision for (recovery of) credit losses on loans and leases | 501 | | 349 | | (2) | | 116 | | (22) | | 942 | | Balance, end of period | $ | 624 | | | $ | 342 | | | $ | 42 | | | $ | 187 | | | $ | 69 | | | $ | 1,264 | |
(1)Includes ADC loans. The following table presents additional information about our non-accrual loans at September 30, 2025:
| | | | | | | | | | | | | | | | | | | | | | | | | | | Non-accrual loans with no related allowance: | | Non-accrual loans with an allowance recorded: | | Total Non-Accrual loans | | Related Allowance | | | | Multi-family | $ | 2,148 | | | $ | 292 | | | $ | 2,440 | | | $ | 47 | | | | Commercial real estate(1) | 394 | | 157 | | 551 | | | 56 | | | | One-to-four family first mortgage | 52 | | 18 | | 70 | | | 2 | | | Commercial and Industrial | 87 | | 67 | | 154 | | | 40 | | | Other | — | | 26 | | 26 | | | 23 | | | Total | $ | 2,681 | | | $ | 560 | | | $ | 3,241 | | | $ | 168 | | | |
(1)Includes ADC loans.
The following table presents additional information about our non-accrual loans at December 31, 2024:
| | | | | | | | | | | | | | | | | | | | | | | | | | | Non-accrual loans with no related allowance: | | Non-accrual loans with an allowance recorded: | | Total Non-Accrual loans | | Related Allowance | | | | Multi-family | $ | 1,092 | | | $ | 663 | | | $ | 1,755 | | | $ | 77 | | | | Commercial real estate(1) | 429 | | 135 | | | 564 | | 31 | | | | | One-to-four family first mortgage | 61 | | 9 | | 70 | | 1 | | | | Commercial and Industrial | 51 | | 151 | | 202 | | — | | | | Other | 3 | | 21 | | 24 | | 55 | | | Total | $ | 1,636 | | | $ | 979 | | | $ | 2,615 | | | $ | 164 | | | |
(1)Includes ADC loans.
|