v3.25.2
LOANS AND ACL - Risk category of bank loans by year of origination (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Jun. 30, 2024
Mar. 31, 2025
Jun. 30, 2025
Origination year      
2026/2025   $ 86,438 $ 20,204
2025/2024   76,035 89,253
2024/2023   166,330 76,980
2023/2022   323,921 163,266
2022/2021   116,522 318,843
Prior   259,679 363,529
Revolving Loans   33,535 36,005
Total Loans Receivable   1,062,460 1,068,080
Gross write-offs      
2025/2024   86  
2023/2022   25  
Revolving Loans   12  
Total Loans Receivable $ 1 123  
Commercial and Construction | Commercial Business      
Origination year      
2026/2025   12,804 2,208
2025/2024   17,592 14,228
2024/2023   56,013 18,010
2023/2022   86,203 53,711
2022/2021   21,390 84,760
Prior   24,945 43,972
Revolving Loans   13,988 14,937
Total Loans Receivable   232,935 231,826
Commercial Real Estate Portfolio Segment      
Origination year      
Total Loans Receivable   950,363 945,841
Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2026/2025   44,477 10,001
2025/2024   45,375 47,954
2024/2023   64,643 51,232
2023/2022   143,600 64,172
2022/2021   86,768 141,460
Prior   207,322 284,798
Total Loans Receivable   592,185 599,617
Gross write-offs      
2025/2024   80  
Total Loans Receivable   80  
Commercial Real Estate Portfolio Segment | Land      
Origination year      
2026/2025   615  
2025/2024     611
2024/2023   2,570  
2023/2022   84 2,545
2022/2021     81
Prior   457 435
Revolving Loans   884  
Revolving Loans     (13)
Total Loans Receivable   4,610 3,659
Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
2026/2025   1,132 158
2025/2024   947 1,127
2024/2023   39,462 941
2023/2022   35,831 39,197
2022/2021   4,275 35,624
Prior   9,804 13,559
Total Loans Receivable   91,451 90,606
Commercial Real Estate Portfolio Segment | Real Estate Construction      
Origination year      
2026/2025   14,092 237
2025/2024   11,784 10,092
2024/2023   3,306 6,454
2023/2022     3,350
Total Loans Receivable   29,182 20,133
Consumer      
Origination year      
Total Loans Receivable   112,097 122,239
Gross write-offs      
Total Loans Receivable $ 1    
Consumer | Real estate one-to-four family      
Origination year      
2026/2025   133  
2025/2024     5
2023/2022   58,107  
2022/2021   4,041 56,841
Prior   17,145 20,717
Revolving Loans   18,257 20,584
Total Loans Receivable   97,683 98,147
Gross write-offs      
Revolving Loans   11  
Total Loans Receivable   11  
Consumer | Other installment      
Origination year      
2026/2025   13,185 7,600
2025/2024   337 15,236
2024/2023   336 343
2023/2022   96 291
2022/2021   48 77
Prior   6 48
Revolving Loans   406 497
Total Loans Receivable   14,414 24,092
Gross write-offs      
2025/2024   6  
2023/2022   25  
Revolving Loans   1  
Total Loans Receivable   32  
Pass      
Origination year      
2026/2025   84,474 20,204
2025/2024   72,841 87,462
2024/2023   162,509 73,788
2023/2022   318,104 156,733
2022/2021   116,032 313,088
Prior   224,723 328,467
Revolving Loans   32,369 31,911
Total Loans Receivable   1,011,052 1,011,653
Pass | Commercial and Construction | Commercial Business      
Origination year      
2026/2025   10,840 2,208
2025/2024   17,592 12,437
2024/2023   56,013 18,010
2023/2022   85,632 53,711
2022/2021   20,918 84,230
Prior   24,198 42,903
Revolving Loans   12,822 10,843
Total Loans Receivable   228,015 224,342
Pass | Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2026/2025   44,477 10,001
2025/2024   42,181 47,954
2024/2023   61,005 48,040
2023/2022   138,354 57,820
2022/2021   86,768 136,253
Prior   173,364 251,052
Total Loans Receivable   546,149 551,120
Pass | Commercial Real Estate Portfolio Segment | Land      
Origination year      
2026/2025   615  
2025/2024     611
2024/2023   2,570  
2023/2022   84 2,545
2022/2021     81
Prior   457 435
Revolving Loans   884  
Revolving Loans     (13)
Total Loans Receivable   4,610 3,659
Pass | Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
2026/2025   1,132 158
2025/2024   947 1,127
2024/2023   39,279 941
2023/2022   35,831 39,016
2022/2021   4,257 35,606
Prior   9,583 13,341
Total Loans Receivable   91,029 90,189
Pass | Commercial Real Estate Portfolio Segment | Real Estate Construction      
Origination year      
2026/2025   14,092 237
2025/2024   11,784 10,092
2024/2023   3,306 6,454
2023/2022     3,350
Total Loans Receivable   29,182 20,133
Pass | Consumer | Real estate one-to-four family      
Origination year      
2026/2025   133  
2025/2024     5
2023/2022   58,107  
2022/2021   4,041 56,841
Prior   17,115 20,688
Revolving Loans   18,257 20,584
Total Loans Receivable   97,653 98,118
Pass | Consumer | Other installment      
Origination year      
2026/2025   13,185 7,600
2025/2024   337 15,236
2024/2023   336 343
2023/2022   96 291
2022/2021   48 77
Prior   6 48
Revolving Loans   406 497
Total Loans Receivable   14,414 24,092
Special Mention      
Origination year      
2026/2025   1,964  
2025/2024   3,164 1,791
2024/2023   3,821 3,162
2023/2022   5,817 6,533
2022/2021   18 5,737
Prior   32,531 24,333
Revolving Loans   1,166 4,094
Total Loans Receivable   48,481 45,650
Special Mention | Commercial and Construction | Commercial Business      
Origination year      
2026/2025   1,964  
2025/2024     1,791
2023/2022   571  
2022/2021     530
Prior   456 394
Revolving Loans   1,166 4,094
Total Loans Receivable   4,157 6,809
Special Mention | Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2025/2024   3,164  
2024/2023   3,638 3,162
2023/2022   5,246 6,352
2022/2021     5,207
Prior   31,920 23,805
Total Loans Receivable   43,968 38,526
Special Mention | Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
2024/2023   183  
2023/2022     181
2022/2021   18  
Prior   155 134
Total Loans Receivable   356 315
Substandard      
Origination year      
2025/2024   30  
2024/2023     30
2022/2021   472 18
Prior   2,425 10,729
Total Loans Receivable   2,927 10,777
Substandard | Commercial and Construction | Commercial Business      
Origination year      
2022/2021   472  
Prior   291 675
Total Loans Receivable   763 675
Substandard | Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2025/2024   30  
2024/2023     30
Prior   2,038 9,941
Total Loans Receivable   2,068 9,971
Substandard | Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
2022/2021     18
Prior   66 84
Total Loans Receivable   66 102
Substandard | Consumer | Real estate one-to-four family      
Origination year      
Prior   30 29
Total Loans Receivable   $ 30 $ 29