| Activity in the Allowance for Loan Losses by Portfolio Segment |
| | | | | | | | | | | | | | | | | | | | | For the three months ended June 30, 2025 | | | SBA | | | | | | | | | | | Residential | | | | (In thousands) | | Held for Investment | | Commercial | | Residential | | Consumer | | construction | | Total | Balance, beginning of period | | $ | 1,095 | | $ | 18,640 | | $ | 6,527 | | $ | 760 | | $ | 629 | | $ | 27,651 | Charge-offs | | | (105) | | | (100) | | | (282) | | | (21) | | | — | | | (508) | Recoveries | | | 2 | | | 102 | | | — | | | 40 | | | — | | | 144 | Net (charge-offs) recoveries | | | (103) | | | 2 | | | (282) | | | 19 | | | — | | | (364) | Provision (credit) for credit losses charged to expense | | | 185 | | | 895 | | | 671 | | | 6 | | | (32) | | | 1,725 | Balance, end of period | | $ | 1,177 | | $ | 19,537 | | $ | 6,916 | | $ | 785 | | $ | 597 | | $ | 29,012 |
| | | | | | | | | | | | | | | | | | | | | For the three months ended June 30, 2024 | | | SBA | | | | | | | | | | | | Residential | | | | (In thousands) | | Held for Investment | | Commercial | | Residential | | Consumer | | construction | | Total | Balance, beginning of period | | $ | 1,209 | | $ | 16,187 | | $ | 6,394 | | $ | 922 | | $ | 1,368 | | $ | 26,080 | Charge-offs | | | — | | | (138) | | | — | | | (130) | | | — | | | (268) | Recoveries | | | 6 | | | 12 | | | — | | | 11 | | | — | | | 29 | Net recoveries (charge-offs) | | | 6 | | | (126) | | | — | | | (119) | | | — | | | (239) | Provision (credit) for credit losses charged to expense | | | 242 | | | 627 | | | (181) | | | 32 | | | (454) | | | 266 | Balance, end of period | | $ | 1,457 | | $ | 16,688 | | $ | 6,213 | | $ | 835 | | $ | 914 | | $ | 26,107 |
| | | | | | | | | | | | | | | | | | | | | For the six months ended June 30, 2025 | | | SBA | | | | | | | | | | | | Residential | | | | (In thousands) | | Held for Investment | | Commercial | | Residential | | Consumer | | construction | | Total | Balance, beginning of period | | $ | 1,535 | | $ | 17,361 | | $ | 6,254 | | $ | 775 | | $ | 863 | | $ | 26,788 | Charge-offs | | | (455) | | | (102) | | | (412) | | | (71) | | | — | | | (1,040) | Recoveries | | | 7 | | | 107 | | | — | | | 67 | | | — | | | 181 | Net (charge-offs) recoveries | | | (448) | | | 5 | | | (412) | | | (4) | | | — | | | (859) | Provision for (credit to) credit losses charged to expense | | | 90 | | | 2,171 | | | 1,074 | | | 14 | | | (266) | | | 3,083 | Balance, end of period | | $ | 1,177 | | $ | 19,537 | | $ | 6,916 | | $ | 785 | | $ | 597 | | $ | 29,012 |
| | | | | | | | | | | | | | | | | | | | | For the six months ended June 30, 2024 | | | SBA | | | | | | | | | | | | Residential | | | | (In thousands) | | Held for Investment | | Commercial | | Residential | | Consumer | | construction | | Total | Balance, beginning of period | | $ | 1,221 | | $ | 15,876 | | $ | 6,529 | | $ | 1,022 | | $ | 1,206 | | $ | 25,854 | Charge-offs | | | — | | | (236) | | | — | | | (200) | | | (277) | | | (713) | Recoveries | | | 14 | | | 24 | | | — | | | 21 | | | — | | | 59 | Net recoveries (charge-offs) | | | 14 | | | (212) | | | — | | | (179) | | | (277) | | | (654) | Provision for (credit to) credit losses charged to expense | | | 222 | | | 1,024 | | | (316) | | | (8) | | | (15) | | | 907 | Balance, end of period | | $ | 1,457 | | $ | 16,688 | | $ | 6,213 | | $ | 835 | | $ | 914 | | $ | 26,107 |
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