LOANS AND ACL

Schedule of risk category of bank loans by year of origination

The following table sets forth the Company’s loan portfolio at June 30, 2025 and March 31, 2025 by risk attribute and year of origination as well as current period gross charge-offs (in thousands)


	June 30, 2025
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2026		2025		2024		2023		2022		Prior		Loans		Receivable

Commercial business
Risk rating
Pass	$	2,208	$	12,437	$	18,010	$	53,711	$	84,230	$	42,903	$	10,843	$	224,342
Special Mention		—		1,791		—		—		530		394		4,094		6,809
Substandard		—		—		—		—		—		675		—		675
Total commercial business	$	2,208	$	14,228	$	18,010	$	53,711	$	84,760	$	43,972	$	14,937	$	231,826
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate
Risk rating
Pass	$	10,001	$	47,954	$	48,040	$	57,820	$	136,253	$	251,052	$	—	$	551,120
Special Mention		—		—		3,162		6,352		5,207		23,805		—		38,526
Substandard		—		—		30		—		—		9,941		—		9,971
Total commercial real estate	$	10,001	$	47,954	$	51,232	$	64,172	$	141,460	$	284,798	$	—	$	599,617
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Land
Risk rating
Pass	$	—	$	611	$	—	$	2,545	$	81	$	435	$	(13)	$	3,659
Total land	$	—	$	611	$	—	$	2,545	$	81	$	435	$	(13)	$	3,659
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multi-family
Risk rating
Pass	$	158	$	1,127	$	941	$	39,016	$	35,606	$	13,341	$	—	$	90,189
Special Mention		—		—		—		181		—		134		—		315
Substandard		—		—		—		—		18		84		—		102
Total multi-family	$	158	$	1,127	$	941	$	39,197	$	35,624	$	13,559	$	—	$	90,606
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	June 30, 2025
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2026		2025		2024		2023		2022		Prior		Loans		Receivable

Real estate construction
Risk rating
Pass	$	237	$	10,092	$	6,454	$	3,350	$	—	$	—	$	—	$	20,133
Total real estate construction	$	237	$	10,092	$	6,454	$	3,350	$	—	$	—	$	—	$	20,133
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Real estate one-to-four family
Risk rating
Pass	$	—	$	5	$	—	$	—	$	56,841	$	20,688	$	20,584	$	98,118
Substandard		—		—		—		—		—		29		—		29
Total real estate one-to-four family	$	—	$	5	$	—	$	—	$	56,841	$	20,717	$	20,584	$	98,147
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Other installment
Risk rating
Pass	$	7,600	$	15,236	$	343	$	291	$	77	$	48	$	497	$	24,092
Total other installment	$	7,600	$	15,236	$	343	$	291	$	77	$	48	$	497	$	24,092
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total loans receivable, gross
Risk rating
Pass	$	20,204	$	87,462	$	73,788	$	156,733	$	313,088	$	328,467	$	31,911	$	1,011,653
Special Mention		—		1,791		3,162		6,533		5,737		24,333		4,094		45,650
Substandard		—		—		30		—		18		10,729		—		10,777
Total loans receivable, gross	$	20,204	$	89,253	$	76,980	$	163,266	$	318,843	$	363,529	$	36,005	$	1,068,080
Total current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	March 31, 2025
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2025		2024		2023		2022		2021		Prior		Loans		Receivable

Commercial business
Risk rating
Pass	$	10,840	$	17,592	$	56,013	$	85,632	$	20,918	$	24,198	$	12,822	$	228,015
Special Mention		1,964		—		—		571		—		456		1,166		4,157
Substandard		—		—		—		—		472		291		—		763
Total commercial business	$	12,804	$	17,592	$	56,013	$	86,203	$	21,390	$	24,945	$	13,988	$	232,935
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate
Risk rating
Pass	$	44,477	$	42,181	$	61,005	$	138,354	$	86,768	$	173,364	$	—	$	546,149
Special Mention		—		3,164		3,638		5,246		—		31,920		—		43,968
Substandard		—		30		—		—		—		2,038		—		2,068
Total commercial real estate	$	44,477	$	45,375	$	64,643	$	143,600	$	86,768	$	207,322	$	—	$	592,185
Current YTD gross write-offs	$	—	$	80	$	—	$	—	$	—	$	—	$	—	$	80

Land
Risk rating
Pass	$	615	$	—	$	2,570	$	84	$	—	$	457	$	884	$	4,610
Total land	$	615	$	—	$	2,570	$	84	$	—	$	457	$	884	$	4,610
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multi-family
Risk rating
Pass	$	1,132	$	947	$	39,279	$	35,831	$	4,257	$	9,583	$	—	$	91,029
Special Mention		—		—		183		—		18		155		—		356
Substandard		—		—		—		—		—		66		—		66
Total multi-family	$	1,132	$	947	$	39,462	$	35,831	$	4,275	$	9,804	$	—	$	91,451
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	March 31, 2025
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2025		2024		2023		2022		2021		Prior		Loans		Receivable

Real estate construction
Risk rating
Pass	$	14,092	$	11,784	$	3,306	$	—	$	—	$	—	$	—	$	29,182
Total real estate construction	$	14,092	$	11,784	$	3,306	$	—	$	—	$	—	$	—	$	29,182
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Real estate one-to-four family
Risk rating
Pass	$	133	$	—	$	—	$	58,107	$	4,041	$	17,115	$	18,257	$	97,653
Substandard		—		—		—		—		—		30		—		30
Total real estate one-to-four family	$	133	$	—	$	—	$	58,107	$	4,041	$	17,145	$	18,257	$	97,683
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	11	$	11

Other installment
Risk rating
Pass	$	13,185	$	337	$	336	$	96	$	48	$	6	$	406	$	14,414
Total other installment	$	13,185	$	337	$	336	$	96	$	48	$	6	$	406	$	14,414
Current YTD gross write-offs	$	—	$	6	$	—	$	25	$	—	$	—	$	1	$	32

Total loans receivable, gross
Risk rating
Pass	$	84,474	$	72,841	$	162,509	$	318,104	$	116,032	$	224,723	$	32,369	$	1,011,052
Special Mention		1,964		3,164		3,821		5,817		18		32,531		1,166		48,481
Substandard		—		30		—		—		472		2,425		—		2,927
Total loans receivable, gross	$	86,438	$	76,035	$	166,330	$	323,921	$	116,522	$	259,679	$	33,535	$	1,062,460
Total current YTD gross write-offs	$	—	$	86	$	—	$	25	$	—	$	—	$	12	$	123

Schedule of analysis of loans by aging category

The following tables present an analysis of loans by aging category at the dates indicated (in thousands):


							Total
			90 Days				Past
			and				Due and				Total
	30-89 Days		Greater				Non-				Loans
June 30, 2025	Past Due		Past Due		Non-accrual		accrual		Current		Receivable

Commercial business	$	3,662	$	—	$	32	$	3,694	$	228,132	$	231,826
Commercial real estate		—		—		82		82		599,535		599,617
Land		—		—		—		—		3,659		3,659
Multi-family		—		—		—		—		90,606		90,606
Real estate construction		—		—		—		—		20,133		20,133
Consumer		—		—		29		29		122,210		122,239
Total	$	3,662	$	—	$	143	$	3,805	$	1,064,275	$	1,068,080

March 31, 2025

Commercial business	$	3,793	$	—	$	37	$	3,830	$	229,105	$	232,935
Commercial real estate		242		—		88		330		591,855		592,185
Land		—		—		—		—		4,610		4,610
Multi-family		—		—		—		—		91,451		91,451
Real estate construction		—		—		—		—		29,182		29,182
Consumer		47		—		30		77		112,020		112,097
Total	$	4,082	$	—	$	155	$	4,237	$	1,058,223	$	1,062,460