| Schedule of activity in the allowance for credit losses by class |
| | | | | | | | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | | Multifamily | | Real Estate | | 1‑4 Family | | Commercial | | Consumer | | Total | | | | (In thousands) | June 30, 2026 | | | | | | | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | | | | | | | Beginning balance | | $ | 4,520 | | $ | 836 | | $ | 30 | | $ | 16,990 | | $ | 1,164 | | $ | 23,540 | Provision (credit) for credit losses | | | 1,663 | | | 161 | | | (1) | | | 848 | | | 229 | | | 2,900 | Recoveries | | | — | | | — | | | — | | | — | | | 1 | | | 1 | Loans charged-off | | | (1,572) | | | — | | | — | | | — | | | (145) | | | (1,717) | Total ending allowance balance | | $ | 4,611 | | $ | 997 | | $ | 29 | | $ | 17,838 | | $ | 1,249 | | $ | 24,724 | | | | | | | | | | | | | | | | | | | | June 30, 2025 | | | | | | | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | | | | | | | Beginning balance | | $ | 4,207 | | $ | 663 | | $ | 45 | | $ | 13,828 | | $ | 718 | | $ | 19,461 | Provision (credit) for credit losses | | | 1,114 | | | 18 | | | (8) | | | 2,332 | | | 69 | | | 3,525 | Recoveries | | | — | | | — | | | — | | | — | | | 6 | | | 6 | Loans charged-off | | | (308) | | | — | | | — | | | (3,250) | | | (27) | | | (3,585) | Total ending allowance balance | | $ | 5,013 | | $ | 681 | | $ | 37 | | $ | 12,910 | | $ | 766 | | $ | 19,407 |
| | | | | | | | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | | Multifamily | | Real Estate | | 1‑4 Family | | Commercial | | Consumer | | Total | | | | (In thousands) | June 30, 2026 | | | | | | | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | | | | | | | Beginning balance | | $ | 6,026 | | $ | 795 | | $ | 35 | | $ | 16,285 | | $ | 881 | | $ | 24,022 | Provision (credit) for credit losses | | | 3,333 | | | 202 | | | (6) | | | 1,553 | | | 518 | | | 5,600 | Recoveries | | | — | | | — | | | — | | | — | | | 2 | | | 2 | Loans charged-off | | | (4,748) | | | — | | | — | | | — | | | (152) | | | (4,900) | Total ending allowance balance | | $ | 4,611 | | $ | 997 | | $ | 29 | | $ | 17,838 | | $ | 1,249 | | $ | 24,724 | | | | | | | | | | | | | | | | | | | | June 30, 2025 | | | | | | | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | | | | | | | Beginning balance | | $ | 5,116 | | $ | 691 | | $ | 52 | | $ | 14,283 | | $ | 837 | | $ | 20,979 | Provision (credit) for credit losses | | | 3,145 | | | (10) | | | 64 | | | 1,877 | | | (51) | | | 5,025 | Recoveries | | | — | | | — | | | — | | | — | | | 25 | | | 25 | Loans charged-off | | | (3,248) | | | — | | | (79) | | | (3,250) | | | (45) | | | (6,622) | Total ending allowance balance | | $ | 5,013 | | $ | 681 | | $ | 37 | | $ | 12,910 | | $ | 766 | | $ | 19,407 |
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| Schedule of the aging of the recorded investment in past due loans by class |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total Past | | | | | | | | | 30-59 | | 60-89 | | 90 Days | | | | | Due & | | | | | | | | | Days | | Days | | or More | | Nonaccrual | | Nonaccrual | | Loans Not | | | | | | Past Due | | Past Due | | Past Due | | Loans | | Loans | | Past Due | | Total | | | | (In thousands) | June 30, 2026 | | | | | | | | | | | | | | | | | | | | | | Multifamily | | $ | — | | $ | — | | $ | — | | $ | 4,400 | | $ | 4,400 | | $ | 391,486 | | $ | 395,886 | Commercial real estate | | | — | | | — | | | — | | | — | | | — | | | 133,096 | | | 133,096 | 1 – 4 family | | | — | | | — | | | — | | | — | | | — | | | 8,959 | | | 8,959 | Commercial | | | — | | | — | | | — | | | 736 | | | 736 | | | 1,336,372 | | | 1,337,108 | Consumer | | | 4 | | | 9 | | | 5 | | | — | | | 18 | | | 26,738 | | | 26,756 | Total | | $ | 4 | | $ | 9 | | $ | 5 | | $ | 5,136 | | $ | 5,154 | | $ | 1,896,651 | | $ | 1,901,805 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total Past | | | | | | | | | 30-59 | | 60-89 | | 90 Days | | | | | Due & | | | | | | | | | Days | | Days | | or More | | Nonaccrual | | Nonaccrual | | Loans Not | | | | | | Past Due | | Past Due | | Past Due | | Loans | | Loans | | Past Due | | Total | | | | (In thousands) | December 31, 2025 | | | | | | | | | | | | | | | | | | | | | | Multifamily | | $ | — | | $ | — | | $ | — | | $ | 7,836 | | $ | 7,836 | | $ | 364,964 | | $ | 372,800 | Commercial real estate | | | — | | | — | | | — | | | — | | | — | | | 107,293 | | | 107,293 | 1 – 4 family | | | — | | | — | | | — | | | — | | | — | | | 9,835 | | | 9,835 | Commercial | | | — | | | — | | | — | | | 736 | | | 736 | | | 1,244,819 | | | 1,245,555 | Consumer | | | 12 | | | — | | | 7 | | | — | | | 19 | | | 22,743 | | | 22,762 | Total | | $ | 12 | | $ | — | | $ | 7 | | $ | 8,572 | | $ | 8,591 | | $ | 1,749,654 | | $ | 1,758,245 |
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| Schedule of credit risk profile of loans, net of deferred fees and unearned premium, by internally assigned grade for non-revolving loans |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 and Prior | | Revolving | | Revolving-Term | | Total | | | (In thousands) | Multifamily: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | $ | 41,648 | | $ | 45,112 | | $ | 26,266 | | $ | 104,111 | | $ | 25,338 | | $ | 149,186 | | $ | — | | $ | — | | $ | 391,661 | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | — | | | — | | | — | | | — | | | — | | | 4,400 | | | — | | | — | | | 4,400 | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | 41,648 | | | 45,112 | | | 26,266 | | | 104,111 | | | 25,338 | | | 153,586 | | | — | | | — | | | 396,061 | Current period gross charge-offs | | — | | | 3,176 | | | — | | | — | | | — | | | 1,572 | | | — | | | — | | | 4,748 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 27,401 | | | 25,428 | | | 1,786 | | | 2,739 | | | 56,004 | | | 19,703 | | | — | | | — | | | 133,061 | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | 27,401 | | | 25,428 | | | 1,786 | | | 2,739 | | | 56,004 | | | 19,703 | | | — | | | — | | | 133,061 | Current period gross charge-offs | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | 1-4 family: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | — | | | — | | | — | | | — | | | 1,762 | | | 7,200 | | | — | | | — | | | 8,962 | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | — | | | — | | | — | | | — | | | 1,762 | | | 7,200 | | | — | | | — | | | 8,962 | Current period gross charge-offs | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 19,007 | | | 97,741 | | | 40,993 | | | 18,034 | | | 1,586 | | | 836 | | | 1,145,189 | | | 13,305 | | | 1,336,691 | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | — | | | — | | | — | | | — | | | — | | | — | | | 736 | | | — | | | 736 | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | 19,007 | | | 97,741 | | | 40,993 | | | 18,034 | | | 1,586 | | | 836 | | | 1,145,925 | | | 13,305 | | | 1,337,427 | Current period gross charge-offs | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 861 | | | 1,232 | | | 673 | | | 1,937 | | | 588 | | | 920 | | | 15,530 | | | 5,019 | | | 26,760 | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | 861 | | | 1,232 | | | 673 | | | 1,937 | | | 588 | | | 920 | | | 15,530 | | | 5,019 | | | 26,760 | Current period gross charge-offs | | — | | | — | | | 4 | | | 113 | | | 35 | | | — | | | — | | | — | | | 152 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 88,917 | | | 169,513 | | | 69,718 | | | 126,821 | | | 85,278 | | | 177,845 | | | 1,160,719 | | | 18,324 | | | 1,897,135 | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | — | | | — | | | — | | | — | | | — | | | 4,400 | | | 736 | | | — | | | 5,136 | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total loans | $ | 88,917 | | $ | 169,513 | | $ | 69,718 | | $ | 126,821 | | $ | 85,278 | | $ | 182,245 | | $ | 1,161,455 | | $ | 18,324 | | $ | 1,902,271 | Total current period gross charge-offs | $ | — | | $ | 3,176 | | $ | 4 | | $ | 113 | | $ | 35 | | $ | 1,572 | | $ | — | | $ | — | | $ | 4,900 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 and Prior | | Revolving | | Revolving-Term | | Total | | | (In thousands) | Multifamily: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | $ | 45,320 | | $ | 26,402 | | $ | 104,575 | | $ | 26,107 | | $ | 98,922 | | $ | 57,783 | | $ | — | | $ | — | | $ | 359,109 | Special Mention | | — | | | — | | | — | | | — | | | 6,019 | | | — | | | — | | | — | | | 6,019 | Substandard | | 7,836 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | 7,836 | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | 53,156 | | | 26,402 | | | 104,575 | | | 26,107 | | | 104,941 | | | 57,783 | | | — | | | — | | | 372,964 | Current period gross charge-offs | | — | | | — | | | — | | | — | | | — | | | 3,275 | | | — | | | — | | | 3,275 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 25,648 | | | 1,803 | | | 2,785 | | | 56,556 | | | 6,823 | | | 13,658 | | | — | | | — | | | 107,273 | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | 25,648 | | | 1,803 | | | 2,785 | | | 56,556 | | | 6,823 | | | 13,658 | | | — | | | — | | | 107,273 | Current period gross charge-offs | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | 1-4 family: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | — | | | — | | | — | | | 1,783 | | | — | | | 8,058 | | | — | | | — | | | 9,841 | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | — | | | — | | | — | | | 1,783 | | | — | | | 8,058 | | | — | | | — | | | 9,841 | Current period gross charge-offs | | — | | | — | | | — | | | — | | | — | | | 79 | | | — | | | — | | | 79 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 115,547 | | | 40,222 | | | 25,418 | | | 6,247 | | | 1,154 | | | 271 | | | 1,046,671 | | | 3,036 | | | 1,238,566 | Special Mention | | — | | | — | | | — | | | 1,290 | | | — | | | — | | | 4,989 | | | — | | | 6,279 | Substandard | | — | | | — | | | — | | | — | | | — | | | — | | | 736 | | | — | | | 736 | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | 115,547 | | | 40,222 | | | 25,418 | | | 7,537 | | | 1,154 | | | 271 | | | 1,052,396 | | | 3,036 | | | 1,245,581 | Current period gross charge-offs | | — | | | — | | | — | | | — | | | — | | | — | | | 3,250(1) | | | — | | | 3,250(1) | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 2,128 | | | 794 | | | 2,460 | | | 851 | | | — | | | 974 | | | 13,354 | | | 2,207 | | | 22,768 | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | 2,128 | | | 794 | | | 2,460 | | | 851 | | | — | | | 974 | | | 13,354 | | | 2,207 | | | 22,768 | Current period gross charge-offs | | — | | | — | | | — | | | 57 | | | — | | | — | | | — | | | — | | | 57 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 188,643 | | | 69,221 | | | 135,238 | | | 91,544 | | | 106,899 | | | 80,744 | | | 1,060,025 | | | 5,243 | | | 1,737,557 | Special Mention | | — | | | — | | | — | | | 1,290 | | | 6,019 | | | — | | | 4,989 | | | — | | | 12,298 | Substandard | | 7,836 | | | — | | | — | | | — | | | — | | | — | | | 736 | | | — | | | 8,572 | Doubtful | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total loans | $ | 196,479 | | $ | 69,221 | | $ | 135,238 | | $ | 92,834 | | $ | 112,918 | | $ | 80,744 | | $ | 1,065,750 | | $ | 5,243 | | $ | 1,758,427 | Total current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | 57 | | $ | — | | $ | 3,354 | | $ | 3,250(1) | | $ | — | | $ | 6,661 |
| (1) | Represents a commercial loan to a small business merchant. |
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