| Schedule of allowances for credit losses |
| | | | | | | | | | | | | | | | | | | | | | | | | | | Multifamily | | | | | | | | | | | | | | | | | | Single | | and non- | | Construction | | Second | | | | | | | | | | | | Family | | residential | | and Land | | Mortgage | | Commercial | | Consumer | | Total | 2026 | | | | | | | | | | | | | | | | | | | | | | Allowance for credit losses: Balance, January 1, 2026 | | $ | 224,121 | | $ | 98,523 | | $ | 12,199 | | $ | 506 | | $ | 20,185 | | $ | 80,141 | | $ | 435,675 | Provision for credit losses | | | 7,278 | | | 3,951 | | | (1,969) | | | (60) | | | (1,228) | | | (7,972) | | | — | Charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Recoveries | | | 1,311 | | | — | | | — | | | — | | | — | | | — | | | 1,311 | Balance, March 31, 2026 | | $ | 232,710 | | $ | 102,474 | | $ | 10,230 | | $ | 446 | | $ | 18,957 | | $ | 72,169 | | $ | 436,986 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | Multifamily | | | | | | | | | | | | | | | | | | Single | | and non- | | Construction | | Second | | | | | | | | | | | | Family | | residential | | and Land | | Mortgage | | Commercial | | Consumer | | Total | 2025 | | | | | | | | | | | | | | | | | | | | | | Allowance for credit losses: Balance, January 1, 2025 | | $ | 226,570 | | $ | 83,899 | | $ | 4,017 | | $ | 268 | | $ | 25,665 | | $ | 11,418 | | $ | 351,837 | Provision for credit losses | | | (12,365) | | | 14,624 | | | 8,182 | | | 238 | | | (5,480) | | | 68,723 | | | 73,922 | Charge-offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Recoveries | | | 9,916 | | | — | | | — | | | — | | | — | | | — | | | 9,916 | Balance, December 31, 2025 | | $ | 224,121 | | $ | 98,523 | | $ | 12,199 | | $ | 506 | | $ | 20,185 | | $ | 80,141 | | $ | 435,675 |
| | | | | | | | | March 31, 2026 | | December 31, 2025 | Allowance for credit losses for unfunded loan commitments: | | | | | | | Beginning Balance | | $ | 5,073 | | $ | 9,412 | Provision (credit) | | | — | | | (4,339) | Ending Balance | | $ | 5,073 | | $ | 5,073 |
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| Schedule of loans by grading category and year |
| | | | | | | | | | | | | | | | | | | | | | | | | March 31, 2026 | | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Revolving | | Total | Single family | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 1,052,384 | | $ | 5,856,426 | | $ | 3,206,035 | | $ | 3,667,325 | | $ | 6,142,292 | | $ | 21,702,738 | | $ | — | | $ | 41,627,200 | Special mention | | | — | | | — | | | — | | | — | | | — | | | 38,981 | | | — | | | 38,981 | Substandard | | | — | | | — | | | — | | | — | | | — | | | 27,327 | | | — | | | 27,327 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 1,052,384 | | $ | 5,856,426 | | $ | 3,206,035 | | $ | 3,667,325 | | $ | 6,142,292 | | $ | 21,769,046 | | $ | — | | $ | 41,693,508 | Gross charge offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Multifamily and nonresidential | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 400,000 | | $ | 5,676,671 | | $ | 1,329,875 | | $ | 973,116 | | $ | 4,378,636 | | $ | 8,820,947 | | $ | 750,030 | | $ | 22,329,275 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 400,000 | | $ | 5,676,671 | | $ | 1,329,875 | | $ | 973,116 | | $ | 4,378,636 | | $ | 8,820,947 | | $ | 750,030 | | $ | 22,329,275 | Gross charge offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Construction and land | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | — | | $ | 1,526,301 | | $ | — | | $ | 302,271 | | $ | 67,345 | | $ | 339,610 | | $ | — | | $ | 2,235,527 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | — | | $ | 1,526,301 | | $ | — | | $ | 302,271 | | $ | 67,345 | | $ | 339,610 | | $ | — | | $ | 2,235,527 | Gross charge offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Second mortgage | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | — | | $ | 54,369 | | $ | — | | $ | 24,464 | | $ | — | | $ | 4,637 | | $ | 2,940,649 | | $ | 3,024,119 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | — | | $ | 54,369 | | $ | — | | $ | 24,464 | | $ | — | | $ | 4,637 | | $ | 2,940,649 | | $ | 3,024,119 | Gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | — | | $ | 389,110 | | $ | 865,384 | | $ | 967,519 | | $ | 1,178,743 | | $ | 720,023 | | $ | 3,146,548 | | $ | 7,267,327 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | — | | $ | 389,110 | | $ | 865,384 | | $ | 967,519 | | $ | 1,178,743 | | $ | 720,023 | | $ | 3,146,548 | | $ | 7,267,327 | Gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer loans | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 212 | | $ | 14,143,451 | | $ | 1,522,656 | | $ | — | | $ | — | | $ | — | | $ | 23,586 | | $ | 15,689,905 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 212 | | $ | 14,143,451 | | $ | 1,522,656 | | $ | — | | $ | — | | $ | — | | $ | 23,586 | | $ | 15,689,905 | Gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — |
| | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Revolving | | Total | Single family | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 5,983,526 | | $ | 2,694,260 | | $ | 3,707,506 | | $ | 6,191,774 | | $ | 7,731,470 | | $ | 14,847,338 | | $ | — | | $ | 41,155,874 | Special mention | | | — | | | — | | | — | | | — | | | — | | | 41,414 | | | — | | | 41,414 | Substandard | | | — | | | — | | | — | | | — | | | — | | | 31,345 | | | — | | | 31,345 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 5,983,526 | | $ | 2,694,260 | | $ | 3,707,506 | | $ | 6,191,774 | | $ | 7,731,470 | | $ | 14,920,097 | | $ | — | | $ | 41,228,633 | Gross charge offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Multifamily and nonresidential Pass | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 5,703,362 | | $ | 1,338,858 | | $ | 981,509 | | $ | 4,425,969 | | $ | 1,975,842 | | $ | 7,006,915 | | $ | — | | $ | 21,432,455 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 5,703,362 | | $ | 1,338,858 | | $ | 981,509 | | $ | 4,425,969 | | $ | 1,975,842 | | $ | 7,006,915 | | $ | — | | $ | 21,432,455 | Gross charge offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Construction and land | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 1,228,023 | | $ | 706,450 | | $ | 303,735 | | $ | 69,497 | | $ | — | | $ | 345,126 | | $ | — | | $ | 2,652,831 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 1,228,023 | | $ | 706,450 | | $ | 303,735 | | $ | 69,497 | | $ | — | | $ | 345,126 | | $ | — | | $ | 2,652,831 | Gross charge offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Second mortgage | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 55,716 | | $ | — | | $ | 25,054 | | $ | — | | $ | — | | $ | 15,899 | | $ | 2,675,671 | | $ | 2,772,340 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 55,716 | | $ | — | | $ | 25,054 | | $ | — | | $ | — | | $ | 15,899 | | $ | 2,675,671 | | $ | 2,772,340 | Gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 395,075 | | $ | 882,621 | | $ | 1,006,291 | | $ | 1,236,962 | | $ | 110,556 | | $ | 756,438 | | $ | 3,269,837 | | $ | 7,657,780 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 395,075 | | $ | 882,621 | | $ | 1,006,291 | | $ | 1,236,962 | | $ | 110,556 | | $ | 756,438 | | $ | 3,269,837 | | $ | 7,657,780 | Gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer loans | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 15,361,842 | | $ | 2,086,467 | | $ | — | | $ | — | | $ | — | | $ | 23,441 | | $ | — | | $ | 17,471,750 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 15,361,842 | | $ | 2,086,467 | | $ | — | | $ | — | | $ | — | | $ | 23,441 | | $ | — | | $ | 17,471,750 | Gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — |
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| Schedule of loan portfolio aging analysis |
| | | | | | | | | | | | | | | | | | | | | | | | | | | Greater | | | | | | | | | | | | 30-59 Days | | 60-89 Days | | Than | | Total | | | | | | | | | Past Due | | Past Due | | 90 Days | | Past Due | | Current | | Total | March 31, 2026 | | | | | | | | | | | | | | | | | | | Mortgage loans on real estate: | | | | | | | | | | | | | | | | | | | Single family | | $ | 86,817 | | $ | — | | $ | — | | $ | 86,817 | | $ | 41,606,691 | | $ | 41,693,508 | Multifamily and nonresidential | | | — | | | — | | | — | | | — | | | 22,329,275 | | | 22,329,275 | Construction and land | | | — | | | — | | | — | | | — | | | 2,235,527 | | | 2,235,527 | Second mortgage | | | — | | | — | | | — | | | — | | | 3,024,119 | | | 3,024,119 | Commercial | | | — | | | — | | | — | | | — | | | 7,267,327 | | | 7,267,327 | Consumer | | | — | | | — | | | — | | | — | | | 15,689,905 | | | 15,689,905 | Total | | $ | 86,817 | | $ | — | | $ | — | | $ | 86,817 | | $ | 92,152,844 | | $ | 92,239,661 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | Greater | | | | | | | | | | | | 30-59 Days | | 60-89 Days | | Than | | Total | | | | | | | | | Past Due | | Past Due | | 90 Days | | Past Due | | Current | | Total | December 31, 2025 | | | | | | | | | | | | | | | | | | | Mortgage loans on real estate: | | | | | | | | | | | | | | | | | | | Single family | | $ | 85,171 | | $ | 31,772 | | $ | 2,213 | | $ | 119,156 | | $ | 41,109,477 | | $ | 41,228,633 | Multifamily and nonresidential | | | — | | | — | | | — | | | — | | | 21,432,455 | | | 21,432,455 | Construction and land | | | — | | | — | | | — | | | — | | | 2,652,831 | | | 2,652,831 | Second mortgage | | | — | | | — | | | — | | | — | | | 2,772,340 | | | 2,772,340 | Commercial | | | — | | | — | | | — | | | — | | | 7,657,780 | | | 7,657,780 | Consumer | | | — | | | — | | | — | | | — | | | 17,471,750 | | | 17,471,750 | Total | | $ | 85,171 | | $ | 31,772 | | $ | 2,213 | | $ | 119,156 | | $ | 93,096,633 | | $ | 93,215,789 |
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