For the Three Months Ended

March 31, 2026

March 31, 2025

(Dollars in thousands, except per share data)

Net income applicable to common shares

$

14,984

$

12,655

Average number of common shares outstanding

45,463,892

42,001,381

Less: average unallocated ESOP shares

(3,074,812)

(3,245,635)

Less: average unvested restricted stock awards

(1,419,332)

—

Average number of common shares outstanding used to calculate basic EPS

40,969,748

38,755,746

Add: assumed conversion - unvested restricted stock awards

451,254

—

Average number of common shares outstanding used to calculate diluted EPS

41,421,002

38,755,746

Earnings per common share - basic

$

0.37

$

0.33

Earnings per common share - diluted

$

0.36

$

0.33