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 | | Year Ended December 31, 2025 | | | Balance, beginning of period | $ | 639 | | | $ | 304 | | | $ | 39 | | | $ | 150 | | | $ | 69 | | | $ | 1,201 | | | | | | | | | | | | | | | Charge-offs | (285) | | (41) | | (4) | | (87) | | (32) | | (449) | | | Recoveries | 50 | | 8 | | — | | 28 | | 12 | | 98 | | | Provision for (recovery of) credit losses on loans and leases | 145 | | (42) | | — | | 59 | | 18 | | 180 | | | Balance, end of period | $ | 549 | | | $ | 229 | | | $ | 35 | | | $ | 150 | | | $ | 67 | | | $ | 1,030 | | | Year Ended December 31, 2024 | | | | | | | | | | | | | Balance, beginning of period | $ | 307 | | | $ | 402 | | | $ | 47 | | | $ | 131 | | | $ | 105 | | | $ | 992 | | | | | | | | | | | | | | | Charge-offs | (308) | | (466) | | (8) | | (136) | | (20) | | (938) | | | Recoveries | 5 | | 8 | | 5 | | 21 | | 7 | | 46 | | | Provision for (recovery of) credit losses on loans and leases | 635 | | 360 | | (5) | | 134 | | (23) | | 1,101 | | | Balance, end of period | $ | 639 | | | $ | 304 | | | $ | 39 | | | $ | 150 | | | $ | 69 | | | $ | 1,201 | | | Year Ended December 31, 2023 | | | | | | | | | | | | | Balance, beginning of period | $ | 178 | | | $ | 67 | | | $ | 46 | | | $ | 38 | | | $ | 64 | | | $ | 393 | | | Adjustment for Purchased PCD Loans | — | | — | | — | | 13 | | — | | 13 | | | Charge-offs | (119) | | (56) | | (4) | | (30) | | (14) | | (223) | | | Recoveries | — | | — | | — | | 10 | | 5 | | 15 | | | Provision for (recovery of) credit losses on loans and leases | 248 | | 391 | | 5 | | 100 | | 50 | | 794 | | | Balance, end of period | $ | 307 | | | $ | 402 | | | $ | 47 | | | $ | 131 | | | $ | 105 | | | $ | 992 | |
(1)Includes ADC loans. The following table presents additional information about our non-accrual loans as of December 31, 2025:
| | | | | | | | | | | | | | | | | | | | | | | | | | | Non-accrual loans with no related allowance: | | Non-accrual loans with an allowance recorded: | | Total non-accrual loans | | Related Allowance | | | | Multi-family | $ | 1,141 | | | $ | 1,120 | | | $ | 2,261 | | | $ | 99 | | | | Commercial real estate(1) | 319 | | 170 | | 489 | | | 60 | | | | One-to-four family first mortgage | 40 | | 24 | | 64 | | | 2 | | | Commercial and Industrial | 37 | | 93 | | 130 | | | 32 | | | Other | — | | 31 | | 31 | | | 29 | | | Total | $ | 1,537 | | | $ | 1,438 | | | $ | 2,975 | | | $ | 222 | | | |
(1)Includes ADC loans.
The following table presents additional information about our non-accrual loans as of 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.
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