v3.26.1
Loans Receivable
 6 Months Ended
Mar. 31, 2026
Receivables [Abstract]  
Loans Receivable Loans Receivable
For a detailed discussion of loans and credit quality, including accounting policies and the CECL methodology used to estimate the allowance for credit losses, see Note A "Summary of Significant Accounting Policies" above.

The Company's loans held for investment are divided into two portfolio segments, commercial loans and consumer loans, with each of those segments further split into loan classes for purposes of estimating the allowance for credit losses.

The following table is a summary of loans receivable by loan portfolio segment and class.
 March 31, 2026September 30, 2025
Gross loans by category(In thousands)(In thousands)
Commercial loans
Multi-family$4,750,092 22.2 %$4,718,480 22.2 %
Commercial real estate3,670,285 17.1 3,604,600 16.9 
Commercial & industrial2,798,568 13.1 2,392,685 11.3 
Construction1,955,180 9.1 1,756,890 8.3 
Land - acquisition & development197,044 0.9 179,099 0.8 
Total commercial loans13,371,169 62.4 12,651,754 59.5 
Consumer loans
Single-family residential7,618,273 35.5 8,053,771 37.8 
Construction - custom69,520 0.3 150,237 0.7 
   Land - consumer lot loans77,275 0.4 89,298 0.4 
   HELOC252,319 1.2 267,871 1.3 
   Consumer54,649 0.2 61,461 0.3 
Total consumer loans8,072,036 37.6 8,622,638 40.5 
Total gross loans21,443,205 100 %21,274,392 100 %
   Less:
      Allowance for credit losses on loans201,950 199,720 
      Loans in process1,063,129 773,606 
      Net deferred fees, costs and discounts211,143 212,448 
Total loan contra accounts1,476,222 1,185,774 
Net loans$19,966,983 $20,088,618 


Accrued interest receivable ("AIR") is excluded from the amortized cost basis of loans for disclosure purposes and from the calculations of estimated credit losses. As of March 31, 2026 and September 30, 2025, AIR for loans totaled $82,142,000 and $85,444,000, respectively, and is included in the Interest receivable line item balance on the Company’s consolidated statements of financial condition.

As of March 31, 2026, loans in the amount of $13,440,000,000 were pledged to secure borrowings and available lines of credit. None of the agencies to which we have pledged loans have the right to sell or re-pledge them.
The following table sets forth the amortized cost basis of non-accrual loans and loans 90 days or more past due and accruing.

 
 March 31, 2026September 30, 2025
 (In thousands, except ratio data)
Non-accrualNon-accrual with no ACL90 days or more past due and accruingNon-accrualNon-accrual with no ACL90 days or more past due and accruing
Commercial loans
Multi-family$34,385 $— $— $19,121 $— $— 
Commercial real estate4,682 — — 69,972 — — 
Commercial & industrial54,728 — — 11,047 — — 
Construction— — — 3,400 — — 
   Total commercial loans93,795 — — 103,540 — — 
Consumer loans
Single-family residential28,188 — — 23,741 — — 
Construction - custom760 — — 760 — — 
Land - consumer lot loans325 — — 23 — — 
HELOC593 — — 412 — — 
Consumer198 — — 152 — — 
   Total consumer loans30,064 — — 25,088 — — 
Total non-accrual loans$123,859 $— $— $128,628 $— $— 
% of total loans0.61 %0.63 %

The Company recognized interest income on non-accrual loans of approximately $844,000 in the six months ended March 31, 2026 as a result of the collection of past due amounts. If these loans had been on accrual status and performed according to their original contract terms, the Company would have recognized interest income of approximately $3,916,000 for the six months ended March 31, 2026. Interest cash flows collected on non-accrual loans vary from period to period as those loans are brought current or are paid off.
The following tables provide details regarding loan delinquencies by loan portfolio and class.

 
March 31, 2026Days Delinquent Based on $ Amount of Loans% based
on $
Type of LoanLoans Receivable (Amortized Cost)Current306090+Total Delinquent
(In thousands, except ratio data)
Commercial Loans
Multi-family$4,672,599 $4,624,446 $14,195 $2,973 $30,985 $48,153 1.03 %
Commercial real estate3,652,683 3,649,991 1,184 — 1,508 2,692 0.07 
Commercial & industrial2,791,133 2,728,894 4,369 4,072 53,798 62,239 2.23 
Construction956,957 956,957 — — — — — 
Land - acquisition & development168,566 168,566 — — — — — 
   Total commercial loans12,241,938 12,128,854 19,748 7,045 86,291 113,084 0.92 
Consumer Loans
Single-family residential7,501,331 7,461,402 9,296 3,810 26,823 39,929 0.53 
Construction - custom38,867 37,975 132 — 760 892 2.30 
Land - consumer lot loans76,763 76,438 — — 325 325 0.42 
HELOC255,352 253,457 1,089 256 550 1,895 0.74 
Consumer54,682 54,092 222 170 198 590 1.08 
   Total consumer loans7,926,995 7,883,364 10,739 4,236 28,656 43,631 0.55 
Total Loans$20,168,933 $20,012,218 $30,487 $11,281 $114,947 $156,715 0.78 %
Delinquency %99.22%0.15%0.05%0.58%0.78%



September 30, 2025Days Delinquent Based on $ Amount of Loans% based
on $
Type of LoanLoans Receivable (Amortized Cost)Current306090+Total Delinquent
(In thousands, except ratio data)
Commercial Loans
Multi-family$4,631,321 $4,610,677 $— $12,482 $8,162 $20,644 0.45 %
Commercial real estate3,588,950 3,537,909 87 912 50,042 51,041 1.42 
Commercial & industrial2,386,363 2,385,178 52 1,088 45 1,185 0.05 
Construction1,105,101 1,105,101 — — — — — 
Land - acquisition & development139,922 139,922 — — — — — 
  Total commercial loans11,851,657 11,778,787 139 14,482 58,249 72,870 0.61 
Consumer Loans
Single-family residential7,936,931 7,890,843 16,639 6,176 23,273 46,088 0.58 
Construction - custom78,243 77,483 — — 760 760 0.97 
Land - consumer lot loans88,696 88,364 249 60 23 332 0.37 
HELOC271,286 269,104 1,432 384 366 2,182 0.80 
Consumer61,525 61,172 99 102 152 353 0.57 
  Total consumer loans8,436,681 8,386,966 18,419 6,722 24,574 49,715 0.59 
Total Loans$20,288,338 $20,165,753 $18,558 $21,204 $82,823 $122,585 0.60 %
Delinquency %99.40%0.09%0.10%0.41%0.60%
Loans are considered collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. The following table presents the amortized basis of collateral-dependent loans by loan class and collateral type as of March 31, 2026.
Loan typeResidential Real EstateCommercial Real EstateGeneral Business Assets
($ in thousands)
Commercial loans
Multi-Family$— $34,385 $— 
Commercial Real Estate— 4,682 — 
Commercial & Industrial— 200 54,369 
Total commercial loans— 39,267 54,369 
Consumer loans
Single-Family Residential4,133 — — 
Construction - Custom760 — — 
Land - Consumer Lot Loans16 — — 
HELOC338 — — 
Consumer— — — 
Total consumer loans5,247 — — 
Total Loans$5,247 $39,267 $54,369 

Loans may be modified as the result of borrowers experiencing financial difficulty needing relief from the contractual terms of their loan. Most loan modifications to borrowers experiencing financial difficulty are accruing and performing loans where the borrower has approached the Company about modification due to temporary financial difficulties. Each request for modification is individually evaluated for merit and likelihood of success. Often a term extension is needed in the short term in order to evaluate the need for further corrective action. Payment delays and interest-only payments may also be approved during the modification period. Principal forgiveness is not an available option for restructured loans.
For commercial loans, modifications could be any of the above-listed modification types available or a mix thereof. Modifications to extend the term, lower the payment amount or delay payment are made for the purposes of providing borrowers additional time to return to compliance with the terms of their loans. Renewals of commercial lines to borrowers experiencing financial difficulty are included within the disclosures below though many of these are made in the normal course of business.
For consumer loans, modifications typically consist of minor payment delays or deferrals and may include a modification of the existing contractual rate or extension of the maturity date, or both, when it is determined the borrowers are likely to successfully maintain compliance with these modified loan terms.

The following tables present the amortized basis of loans that were modified to borrowers experiencing financial difficulty during the three and six month period ending March 31, 2026 by loan class and modification type. Modifications during the periods presented were term extensions or payment deferrals.
Three Months Ended March 31, 2026
Loan ClassTerm ExtensionPayment Deferral% of Total Loan Class BalanceWtd. Avg.
Term Extension 		Deferral Amount
( in thousands)(in months)( in thousands)
Multi-family$— $— — %0$— 
Commercial real estate1,700 3,006 0.13 3167 
Commercial & industrial877 — 0.03 9— 
Total commercial loans2,577 3,006 0.05 5167 
Single-Family Residential— 9,553 0.13 0285 
Total consumer loans— 9,553 0.12 0$285 
Total Loans$2,577 $12,559 0.07 %

Three Months Ended March 31, 2025
Loan ClassTerm ExtensionPayment Deferral% of Total Loan Class BalanceWtd. Avg.
Term Extension 		Deferral Amount
( in thousands)(in months)( in thousands)
Multi-family$1,098 $— 0.02 %3$— 
Commercial real estate5,393 — 0.15 24— 
Commercial & industrial49,446 — 2.07 9— 
Total commercial loans55,937 — 0.46 10— 
Single-Family Residential— — — 0— 
Total consumer loans— — — 0$— 
Total Loans$55,937 $— 0.26 %


Six Months Ended March 31, 2026
Loan ClassTerm ExtensionPayment Deferral% of Total Loan Class BalanceWtd. Avg.
Term Extension		Deferral Amount
( in thousands)(in months)(in thousands)
Multi-family$— $— — %0$— 
Commercial real estate33,190 3,006 0.99 8167 
Commercial & industrial29,876 — 1.07 11— 
Total commercial loans63,066 3,006 0.54 10167 
Single-Family Residential— 10,589 0.14 0306 
Total consumer loans— 10,589 0.13 0$306 
Total Loans$63,066 $13,595 0.38 %
Six Months Ended March 31, 2025
Loan ClassTerm ExtensionPayment Deferral% of Total Loan Class BalanceWtd. Avg.
Term Extension		Deferral Amount
( in thousands)(in months)( in thousands)
Multi-family$1,098 $— 0.02 %3$— 
Commercial real estate5,393 — 0.15 24— 
Commercial & industrial51,306 — 2.15 9— 
Total commercial loans57,797 — 0.47 10— 
Single-Family Residential453 — 0.01 6— 
Total consumer loans453 — 0.01 6$— 
Total Loans$58,250 $— 0.28 %
The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of modification efforts. Loans are considered to be in default at 90 or more days past due. The following table presents the performance of such loans that have been modified for the twelve months ended March 31, 2026 and March 31, 2025, respectively.

March 31, 2026Days Delinquent
Current306090+Total
Commercial loans
Multi-family$19,801 $— $— $— $19,801 
Commercial real estate51,195 — — — 51,195 
Commercial & industrial27,924 — 2,547 — 30,471 
Construction5,388 — — — 5,388 
Total commercial loans104,308 — 2,547 — 106,855 
Consumer loans
Single-family residential9,676 913 — — 10,589 
Total consumer loans9,676 913 — — 10,589 
Total Loans$113,984 $913 $2,547 $— $117,444 

March 31, 2025Days Delinquent
Current306090+Total
Commercial loans
Multi-family$1,099 $— $— $— $1,099 
Commercial real estate28,607 — — — 28,607 
Commercial & industrial57,380 — — — 57,380 
Construction5,388 — — — 5,388 
Total commercial loans92,474 — — — 92,474 
Consumer loans
Single-family residential1,325 — — — 1,325 
Total consumer loans1,325 — — — 1,325 
Total Loans$93,799 $— $— $— $93,799 
One single-family loan modified for borrowers experiencing financial difficulties defaulted in the twelve months ended March 31, 2026 but it was paid in full by period end. No loans modified for borrowers experiencing financial difficulties defaulted after modification in the twelve months ended March 31, 2025.


The Company evaluates the credit quality of its loans based on regulatory risk ratings and also considers other factors. Based on this evaluation, the loans are assigned a grade and classified as follows:

•Pass – the credit does not meet one of the definitions below.

•Watch – A watch designation is one that deserves a higher level of scrutiny and monitoring due to either an event that has occurred or is expected to occur in the near future that will likely lead to further change in risk rating (either favorably or unfavorably). Watch loans possess some credit deficiency or potential weakness that deserve close attention but which do not yet appear to jeopardize repayment. The key distinctions of a watch designation are that the credit is performing normally, but there is an uncertain level of risk due to such factors as (1) lack of or slow generation/receipt of financial information, (2) a documentation defect that could jeopardize repayment in the future, (3) construction delays or delays in lease up / stabilization, (4) declining market trends, (5) global cash flow deficiency of guarantors, or (6) management deficiencies/turnover. A loan designated as a “watch” is not considered criticized.

•Special mention – A special mention credit is considered to be currently protected from loss but is potentially weak. No loss of principal or interest is foreseen; however, proper supervision and management attention is required to deter further deterioration in the credit. Assets in this category constitute some undue and unwarranted credit risk but not to the point of justifying a risk rating of substandard. The credit risk may be relatively minor yet constitutes an unwarranted risk in light of the circumstances surrounding a specific asset.

•Substandard – A substandard credit is an unacceptable credit. Additionally, repayment in the normal course is in jeopardy due to the existence of one or more well defined weaknesses. In these situations, loss of principal is likely if the weakness is not corrected. A substandard asset is inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged, if any. Assets so classified will have a well-defined weakness or weaknesses that jeopardize the collection or liquidation of the debt. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets risk rated substandard.

•Doubtful – A credit classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weakness makes collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The probability of loss is high, but because of certain important and reasonably specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and refinancing plans.

•Loss – Credits classified loss are considered uncollectible and of such little value that their continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this asset even though partial recovery may be affected in the future. Losses should be taken in the period in which they are identified as uncollectible. Partial charge-off versus full charge-off may be taken if the collateral offers some identifiable protection.

The watch rating was implemented by the bank for fiscal 2026 on a prospective basis.

The following tables present by primary credit quality indicator, loan class, and year of origination, the amortized cost basis of loans receivable as of March 31, 2026 and September 30, 2025.
March 31, 2026Term Loans Amortized Cost Basis by Origination Year
YTD 20262025202420232022Prior to 2022Revolving LoansRevolving to Term LoansTotal Loans
Commercial loans
Multi-family
Pass$244,246 $69,818 $99,541 $388,785 $1,451,745 $1,892,842 $31,519 $— $4,178,496 
Watch— — 1,324 3,015 89,478 59,260 — — 153,077 
Special Mention— — — 17,351 29,913 136,591 — — 183,855 
Substandard— 2,368 — 9,167 56,235 85,992 1,002 — 154,764 
Doubtful— — — — — 2,407 — — 2,407 
Total$244,246 $72,186 $100,865 $418,318 $1,627,371 $2,177,092 $32,521 $— $4,672,599 
Gross Charge-offs— — — — — 81 — — 81 
Commercial real estate
Pass$310,404 $310,872 $202,915 $233,433 $926,472 $1,415,426 $15,254 $17,633 $3,432,409 
Watch— — — 14,372 — 32,164 — — 46,536 
Special Mention— — — 317 25,670 24,145 — — 50,132 
Substandard— — — 15,490 4,944 103,172 — — 123,606 
Total$310,404 $310,872 $202,915 $263,612 $957,086 $1,574,907 $15,254 $17,633 $3,652,683 
Commercial & industrial
Pass$295,169 $243,291 $61,720 $108,190 $132,161 $429,499 $1,150,795 $16,967 $2,437,792 
Watch1,901 — — 3,704 19,059 1,062 87,660 — 113,386 
Special Mention— — — — 2,560 — 34,895 5 37,460 
Substandard— 29,401 6,549 23,153 24,201 36,669 74,742 7,780 202,495 
Total$297,070 $272,692 $68,269 $135,047 $177,981 $467,230 $1,348,092 $24,752 $2,791,133 
Gross Charge-offs— 34 — — — — — 4,424 4,458 
Construction
Pass$74,275 $261,479 $141,241 $112,700 $175,829 $173 $118,960 $— $884,657 
Watch3,073 6,296 — — 645 — — — 10,014 
Special Mention— — — — 56,898 — — — 56,898 
Substandard— — — — 5,388 — — — 5,388 
Total$77,348 $267,775 $141,241 $112,700 $238,760 $173 $118,960 $— $956,957 
Land - acquisition & development
Pass$41,483 $51,606 $7,479 $5,206 $18,157 $34,709 $— $— $158,640 
Watch1,757 1,363 5,943 638 — — — — 9,701 
Substandard— — — — — 225 — — 225 
Total$43,240 $52,969 $13,422 $5,844 $18,157 $34,934 $— $— $168,566 
Total commercial loans
Pass$965,577 $937,066 $512,896 $848,314 $2,704,364 $3,772,649 $1,316,528 $34,600 $11,091,994 
Watch6,731 7,659 7,267 21,729 109,182 92,486 87,660 — 332,714 
Special Mention— — — 17,668 115,041 160,736 34,895 5 328,345 
Substandard— 31,769 6,549 47,810 90,768 226,058 75,744 7,780 486,478 
Doubtful— — — — — 2,407 — — 2,407 
Total$972,308 $976,494 $526,712 $935,521 $3,019,355 $4,254,336 $1,514,827 $42,385 $12,241,938 
Gross Charge-offs$— $34 $— $— $— $81 $— $4,424 $4,539 
March 31, 2026Term Loans Amortized Cost Basis by Origination Year
YTD 20262025202420232022Prior to 2022Revolving LoansRevolving to Term LoansTotal Loans
Consumer loans
Single-family residential
Current$6,941 $181,607 $299,973 $712,934 $2,058,693 $4,201,254 $— $— $7,461,402 
30 days past due— — 548 295 1,373 7,080 — — 9,296 
60 days past due— — — 254 325 3,231 — — 3,810 
90+ days past due— — 1,717 2,018 4,244 18,844 — — 26,823 
Total$6,941 $181,607 $302,238 $715,501 $2,064,635 $4,230,409 $— $— $7,501,331 
Gross Charge-offs— — — — — 82 — — 82 
Construction - custom
Current$— $27,470 $7,335 $— $3,170 $— $— $— $37,975 
30 days past due— — — 132 — — — — 132 
90+ days past due— — — — 760 — — — 760 
Total$— $27,470 $7,335 $132 $3,930 $— $— $— $38,867 
Land - consumer lot loans
Current$— $5,757 $10,669 $7,619 $16,902 $35,491 $— $— $76,438 
90+ days past due— — — 60 — 265 — — 325 
Total$— $5,757 $10,669 $7,679 $16,902 $35,756 $— $— $76,763 
HELOC
Current$— $— $— $— $— $5,358 $247,003 $1,096 $253,457 
30 days past due— — — — — 172 917 — 1,089 
60 days past due— — — — — 44 115 97 256 
90+ days past due— — — — — 78 391 81 550 
Total$— $— $— $— $— $5,652 $248,426 $1,274 $255,352 
Consumer
Current$428 $62 $13 $16 $— $27,938 $25,635 $— $54,092 
30 days past due— — — — — 93 129 — 222 
60 days past due— — — — — 47 123 — 170 
90+ days past due— — — — — 30 168 — 198 
Total$428 $62 $13 $16 $— $28,108 $26,055 $— $54,682 
Gross Charge-offs— — — — — 3 696 5 704 
Total consumer loans
Current$7,369 $214,896 $317,990 $720,569 $2,078,765 $4,270,041 $272,638 $1,096 $7,883,364 
30 days past due— — 548 427 1,373 7,345 1,046 — 10,739 
60 days past due— — — 254 325 3,322 238 97 4,236 
90+ days past due— — 1,717 2,078 5,004 19,217 559 81 28,656 
Total$7,369 $214,896 $320,255 $723,328 $2,085,467 $4,299,925 $274,481 $1,274 $7,926,995 
Gross Charge-offs$— $— $— $— $— $85 $696 $5 $786 
September 30, 2025Term Loans Amortized Cost Basis by Origination Year
20252024202320222021Prior to 2021Revolving LoansRevolving to Term LoansTotal Loans
Commercial loans
Multi-family
Pass$51,779 $91,285 $431,401 $1,521,149 $1,154,189 $1,066,496 $21,048 $— $4,337,347 
Special Mention— — 8,225 44,350 13,686 70,556 — — 136,817 
Substandard2,334 — 9,166 51,486 12,661 78,158 1,002 — 154,807 
Doubtful— — — — — 2,350 — — 2,350 
Total$54,113 $91,285 $448,792 $1,616,985 $1,180,536 $1,217,560 $22,050 $— $4,631,321 
Gross Charge-offs182 — — — 271 102 — — 555 
Commercial real estate
Pass$311,687 $226,269 $231,132 $997,347 $550,234 $987,607 $33,688 $1,098 $3,339,062 
Special Mention— — — 27,900 21,928 11,752 — — 61,580 
Substandard— — 15,484 15,035 83,665 71,343 — — 185,527 
Doubtful— — — — — 2,781 — — 2,781 
Total$311,687 $226,269 $246,616 $1,040,282 $655,827 $1,073,483 $33,688 $1,098 $3,588,950 
Gross Charge-offs— — — 163 — 9,489 — — 9,652 
Commercial & industrial
Pass$263,637 $46,817 $113,824 $147,522 $227,043 $184,325 $1,066,532 $37,050 $2,086,750 
Special Mention— 1,975 — 16,396 — 16,176 10,451 — 44,998 
Substandard35,490 3,042 21,527 24,733 1,725 32,281 130,613 5,180 254,591 
Loss— — 10 — — 3 — 11 24 
Total$299,127 $51,834 $135,361 $188,651 $228,768 $232,785 $1,207,596 $42,241 $2,386,363 
Gross Charge-offs199 307 — — — 621 — 164 1,291 
Construction
Pass$169,743 $171,558 $221,207 $346,051 $66,878 $— $116,245 $— $1,091,682 
Special Mention— — — 4,435 — — — — 4,435 
Substandard— 204 — 5,380 3,400 — — — 8,984 
Total$169,743 $171,762 $221,207 $355,866 $70,278 $— $116,245 $— $1,105,101 
Land - acquisition & development
Pass$48,379 $18,650 $11,026 $27,172 $33,060 $1,376 $— $— $139,663 
Substandard— — — — — 259 — — 259 
Total$48,379 $18,650 $11,026 $27,172 $33,060 $1,635 $— $— $139,922 
Total commercial loans
Pass$845,225 $554,579 $1,008,590 $3,039,241 $2,031,404 $2,239,804 $1,237,513 $38,148 $10,994,504 
Special Mention— 1,975 8,225 93,081 35,614 98,484 10,451 — 247,830 
Substandard37,824 3,246 46,177 96,634 101,451 182,041 131,615 5,180 604,168 
Doubtful— — — — — 5,131 — — 5,131 
Loss— — 10 — — 3 — 11 24 
Total$883,049 $559,800 $1,063,002 $3,228,956 $2,168,469 $2,525,463 $1,379,579 $43,339 $11,851,657 
Gross Charge-offs$381 $307 $— $163 $271 $10,212 $— $164 $11,498 
September 30, 2025Term Loans Amortized Cost Basis by Origination Year
20252024202320222021Prior to 2021Revolving LoansRevolving to Term LoansTotal Loans
Consumer loans
Single-family residential
Current$202,919 $353,679 $786,634 $2,143,244 $1,912,465 $2,491,902 $— $— $7,890,843 
30 days past due402 949 1,751 1,061 7,107 5,369 — — 16,639 
60 days past due— 376 965 692 339 3,804 — — 6,176 
90+ days past due— 998 813 3,711 4,414 13,337 — — 23,273 
Total$203,321 $356,002 $790,163 $2,148,708 $1,924,325 $2,514,412 $— $— $7,936,931 
Gross Charge-offs— — — — — 338 — — 338 
Construction - custom
Current$34,932 $33,380 $5,256 $3,915 $— $— $— $— $77,483 
90+ days past due— — — 760 — — — — 760 
Total$34,932 $33,380 $5,256 $4,675 $— $— $— $— $78,243 
Land - consumer lot loans
Current$6,175 $14,686 $9,091 $19,489 $20,373 $18,550 $— $— $88,364 
30 days past due— — — 55 194 — — — 249 
60 days past due— — 60 — — — — — 60 
90+ days past due— — — — — 23 — — 23 
Total$6,175 $14,686 $9,151 $19,544 $20,567 $18,573 $— $— $88,696 
HELOC
Current$— $— $— $— $— $4,276 $262,581 $2,247 $269,104 
30 days past due— — — — — 145 1,183 104 1,432 
60 days past due— — — — — 181 203 — 384 
90+ days past due— — — — — — 366 — 366 
Total$— $— $— $— $— $4,602 $264,333 $2,351 $271,286 
Consumer
Current$158 $30 $17 $— $7,507 $22,365 $31,095 $— $61,172 
30 days past due— — — — — — 99 — 99 
60 days past due— — — — — 52 50 — 102 
90+ days past due— — — — — 44 108 — 152 
Total$158 $30 $17 $— $7,507 $22,461 $31,352 $— $61,525 
Gross Charge-offs— 2 — — — 62 1,252 18 1,334 
Total consumer loans
Current$244,184 $401,775 $800,998 $2,166,648 $1,940,345 $2,537,093 $293,676 $2,247 $8,386,966 
30 days past due402 949 1,751 1,116 7,301 5,514 1,282 104 18,419 
60 days past due— 376 1,025 692 339 4,037 253 — 6,722 
90+ days past due— 998 813 4,471 4,414 13,404 474 — 24,574 
Total$244,586 $404,098 $804,587 $2,172,927 $1,952,399 $2,560,048 $295,685 $2,351 $8,436,681 
Gross Charge-offs$— $2 $— $— $— $400 $1,252 $18 $1,672