Loans and Allowance for Credit Losses

Schedule of analysis of the changes in the ACL on loan


														Other
		1-4 Family			Home Equity						1-4 Family			Construction,
		Residential			and Second			Multifamily			Residential			Development			Commercial			Commercial			Consumer
		Mortgage			Mortgage			Residential			Construction			and Land			Real Estate			Business			and Other			Total

June 30, 2026		(In thousands)
ACL on Loans:

Beginning balance		$	1,548		$	959		$	818		$	233		$	548		$	2,552		$	2,620		$	1,069		$	10,347
Provision for credit losses			28			23			(102)			10			28			655			(185)			(32)			425
Charge-offs			—			—			—			—			—			—			(3)			(100)			(103)
Recoveries			—			—			—			—			—			—			8			37			45

Ending balance		$	1,576		$	982		$	716		$	243		$	576		$	3,207		$	2,440		$	974		$	10,714

June 30, 2025
ACL on Loans:

Beginning balance		$	1,438		$	567		$	431		$	223		$	1,179		$	2,328		$	2,337		$	1,032		$	9,535
Provision for credit losses			69			201			32			24			(484)			704			(122)			(118)			306
Charge-offs			—			—			—			—			—			—			(56)			(111)			(167)
Recoveries			4			—			—			—			—			—			21			29			54

Ending balance		$	1,511		$	768		$	463		$	247		$	695		$	3,032		$	2,180		$	832		$	9,728


														Other
		1-4 Family			Home Equity						1-4 Family			Construction,
		Residential			and Second			Multifamily			Residential			Development			Commercial			Commercial			Consumer
		Mortgage			Mortgage			Residential			Construction			and Land			Real Estate			Business			and Other			Total

June 30, 2026		(In thousands)
ACL on Loans:

Beginning balance		$	1,393		$	937		$	696		$	213		$	437		$	3,243		$	2,252		$	937		$	10,108
Provision for credit losses			184			45			20			30			139			(36)			236			157			775
Charge-offs			(1)			—			—			—			—			—			(67)			(255)			(323)
Recoveries			—			—			—			—			—			—			19			135			154

Ending balance		$	1,576		$	982		$	716		$	243		$	576		$	3,207		$	2,440		$	974		$	10,714

June 30, 2025
ACL on Loans:

Beginning balance		$	1,592		$	478		$	545		$	184		$	588		$	2,459		$	2,424		$	1,011		$	9,281
Provision for credit losses			(88)			290			(82)			63			107			573			(183)			(36)			644
Charge-offs			—			—			—			—			—			—			(83)			(211)			(294)
Recoveries			7			—			—			—			—			—			22			68			97

Ending balance		$	1,511		$	768		$	463		$	247		$	695		$	3,032		$	2,180		$	832		$	9,728

Schedule of nonaccrual status and loans 90 days or more past due and still accruing


								Loans 90+ Days			Total
	Nonaccrual Loans		Nonaccrual Loans		Total			Past Due			Nonperforming
	with No ACL		with An ACL		Nonaccrual			Still Accruing			Loans

June 30, 2026	(In thousands)
1-4 Family Residential Mortgage	$	1,462	$	—	$	1,462		$	—		$	1,462
Home Equity and Second Mortgage		280		—		280			—			280
Multifamily Residential		—		—		—			—			—
1-4 Family Residential Construction		—		98		98			—			98
Other Construction, Development and Land		73		—		73			—			73
Commercial Real Estate		419		988		1,407			—			1,407
Commercial Business		99		1,501		1,600			—			1,600
Consumer and Other		—		—		—			—			—

Total	$	2,333	$	2,587	$	4,920		$	—		$	4,920

December 31, 2025
1-4 Family Residential Mortgage	$	1,552	$	—	$	1,552		$	—		$	1,552
Home Equity and Second Mortgage		329		—		329			—			329
Multifamily Residential		—		—		—			—			—
1-4 Family Residential Construction		—		97		97			—			97
Other Construction, Development and Land		72		—		72			—			72
Commercial Real Estate		417		—		417			—			417
Commercial Business		99		1,687		1,786			83			1,869
Consumer and Other		15		—		15			—			15

Total	$	2,484	$	1,784	$	4,268		$	83		$	4,351

Schedule of the risk category of loans by class of loans


	Term Loans Amortized Cost Basis by Origination Year
	2026			2025			2024			2023			2022			Prior			Revolving			Total

	(In thousands)
1-4 Family Residential Mortgage
Pass	$	16,196		$	24,249		$	16,088		$	21,426		$	22,070		$	41,775		$	—		$	141,804
Special Mention		364			—			—			—			—			888			—			1,252
Substandard		—			—			—			—			—			260			—			260
Doubtful		13			—			186			30			28			1,204			—			1,461
	$	16,573		$	24,249		$	16,274		$	21,456		$	22,098		$	44,127		$	—		$	144,777

Current period gross write-offs	$	—		$	—		$	1		$	—		$	—		$	—		$	—		$	1

Home Equity and Second Mortgage
Pass	$	1,111		$	2,013		$	1,168		$	2,514		$	2,392		$	377		$	67,239		$	76,814
Special Mention		—			—			—			—			—			—			106			106
Substandard		—			—			—			—			—			—			173			173
Doubtful		—			—			—			—			—			280			—			280
	$	1,111		$	2,013		$	1,168		$	2,514		$	2,392		$	657		$	67,518		$	77,373

Current period gross write-offs	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Multifamily Residential
Pass	$	2,708		$	16,890		$	950		$	7,445		$	13,297		$	14,489		$	—		$	55,779
Special Mention		—			—			—			1,433			—			—			—			1,433
Substandard		—			—			—			—			—			—			—			—
Doubtful		—			—			—			—			—			—			—			—
	$	2,708		$	16,890		$	950		$	8,878		$	13,297		$	14,489		$	—		$	57,212

Current period gross write-offs	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

1-4 Family Residential Construction
Pass	$	3,913		$	10,423		$	1,340		$	—		$	—		$	—		$	—		$	15,676
Special Mention		152			—			—			—			—			—			—			152
Substandard		—			—			—			—			—			—			—			—
Doubtful		—			—			—			—			—			98			—			98
	$	4,065		$	10,423		$	1,340		$	—		$	—		$	98		$	—		$	15,926

Current period gross write-offs	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Other Construction, Development and Land
Pass	$	4,749		$	24,125		$	8,311		$	6,822		$	2,637		$	3,362		$	—		$	50,006
Special Mention		—			—			—			—			—			—			—			—
Substandard		—			—			—			—			—			54			—			54
Doubtful		—			—			—			—			—			73			—			73
	$	4,749		$	24,125		$	8,311		$	6,822		$	2,637		$	3,489		$	—		$	50,133

Current period gross write-offs	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Commercial Real Estate
Pass	$	12,357		$	20,240		$	26,415		$	19,097		$	52,697		$	73,219		$	4,537		$	208,562
Special Mention		—			—			—			—			161			170			368			699
Substandard		—			—			303			699			—			733			—			1,735
Doubtful		—			—			—			—			—			1,407			—			1,407
	$	12,357		$	20,240		$	26,718		$	19,796		$	52,858		$	75,529		$	4,905		$	212,403

Current period gross write-offs	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—


		Term Loans Amortized Cost Basis by Origination Year
		2026			2025			2024			2023			2022			Prior			Revolving			Total

		(In thousands)
Commercial Business
Pass		$	9,761		$	11,745		$	4,535		$	5,917		$	5,287		$	12,819		$	13,892		$	63,956
Special Mention			295			13			6			—			18			—			216			548
Substandard			—			—			—			—			—			17			22			39
Doubtful			—			—			—			107			1,460			33			—			1,600
		$	10,056		$	11,758		$	4,541		$	6,024		$	6,765		$	12,869		$	14,130		$	66,143

Current period gross write-offs		$	—		$	—		$	45		$	—		$	22		$	—		$	—		$	67

Consumer and Other
Pass		$	12,951		$	14,470		$	8,191		$	7,337		$	2,400		$	6,802		$	2,560		$	54,711
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			3			—			157			160
Doubtful			—			—			—			—			—			—			—			—
		$	12,951		$	14,470		$	8,191		$	7,337		$	2,403		$	6,802		$	2,717		$	54,871

Current period gross write-offs		$	—		$	94		$	50		$	49		$	12		$	6		$	44		$	255

Total Loans
Pass		$	63,746		$	124,155		$	66,998		$	70,558		$	100,780		$	152,843		$	88,228		$	667,308
Special Mention			811			13			6			1,433			179			1,058			690			4,190
Substandard			—			—			303			699			3			1,064			352			2,421
Doubtful			13			—			186			137			1,488			3,095			—			4,919
		$	64,570		$	124,168		$	67,493		$	72,827		$	102,450		$	158,060		$	89,270		$	678,838

Current period gross write-offs		$	—		$	94		$	96		$	49		$	34		$	6		$	44		$	323


		Term Loans Amortized Cost Basis by Origination Year
		2025			2024			2023			2022			2021			Prior			Revolving			Total

		(In thousands)
1-4 Family Residential Mortgage
Pass		$	25,785		$	18,522		$	24,845		$	22,939		$	19,268		$	26,477		$	—		$	137,836
Special Mention			—			—			20			—			1,008			60			—			1,088
Substandard			—			—			—			—			97			185			—			282
Doubtful			—			177			31			142			120			1,082			—			1,552
		$	25,785		$	18,699		$	24,896		$	23,081		$	20,493		$	27,804		$	—		$	140,758

Home Equity and Second Mortgage
Pass		$	2,066		$	1,428		$	2,835		$	2,649		$	202		$	282		$	62,515		$	71,977
Special Mention			57			—			—			129			—			—			—			186
Substandard			—			—			—			—			—			—			174			174
Doubtful			—			—			—			—			—			329			—			329
		$	2,123		$	1,428		$	2,835		$	2,778		$	202		$	611		$	62,689		$	72,666

Multifamily Residential
Pass		$	16,912		$	5,981		$	8,955		$	19,754		$	6,759		$	11,161		$	—		$	69,522
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—
Doubtful			—			—			—			—			—			—			—			—
		$	16,912		$	5,981		$	8,955		$	19,754		$	6,759		$	11,161		$	—		$	69,522

1-4 Family Residential Construction
Pass		$	11,472		$	3,876		$	—		$	—		$	—		$	—		$	—		$	15,348
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—
Doubtful			—			—			—			—			97			—			—			97
		$	11,472		$	3,876		$	—		$	—		$	97		$	—		$	—		$	15,445


		Term Loans Amortized Cost Basis by Origination Year
		2025			2024			2023			2022			2021			Prior			Revolving			Total

		(In thousands)
Other Construction, Development and Land
Pass		$	21,034		$	3,987		$	9,534		$	2,827		$	955		$	2,723		$	—		$	41,060
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			46			—			46
Doubtful			—			—			—			—			—			72			—			72
		$	21,034		$	3,987		$	9,534		$	2,827		$	955		$	2,841		$	—		$	41,178

Commercial Real Estate
Pass		$	18,784		$	26,438		$	19,826		$	55,077		$	24,474		$	54,907		$	4,936		$	204,442
Special Mention			19			—			—			165			—			173			—			357
Substandard			—			306			707			—			541			204			—			1,758
Doubtful			—			—			—			—			—			417			—			417
		$	18,803		$	26,744		$	20,533		$	55,242		$	25,015		$	55,701		$	4,936		$	206,974

Commercial Business
Pass		$	13,738		$	5,223		$	7,136		$	6,426		$	7,138		$	8,141		$	11,738		$	59,540
Special Mention			54			14			160			23			14			—			30			295
Substandard			197			—			—			—			30			—			142			369
Doubtful			—			—			107			1,645			—			33			—			1,785
		$	13,989		$	5,237		$	7,403		$	8,094		$	7,182		$	8,174		$	11,910		$	61,989

Consumer and Other
Pass		$	18,791		$	10,946		$	9,962		$	3,844		$	1,129		$	6,809		$	4,103		$	55,584
Special Mention			—			—			—			3			—			—			—			3
Substandard			—			—			—			—			—			—			74			74
Doubtful			—			15			—			—			—			—			—			15
		$	18,791		$	10,961		$	9,962		$	3,847		$	1,129		$	6,809		$	4,177		$	55,676

Total Loans
Pass		$	128,582		$	76,401		$	83,093		$	113,516		$	59,925		$	110,500		$	83,292		$	655,309
Special Mention			130			14			180			320			1,022			233			30			1,929
Substandard			197			306			707			—			668			435			390			2,703
Doubtful			—			192			138			1,787			217			1,933			—			4,267
		$	128,909		$	76,913		$	84,118		$	115,623		$	61,832		$	113,101		$	83,712		$	664,208