

	Six Months Ended June 30, 2026
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Balance at December 31, 2025	$	142,391	$	86,490	$	23,958	$	252,839
Charge-offs	(14,905)		(15,992)		(336)		(31,233)
Recoveries	492		2,484		426		3,402

Provision (credit) for loan and lease losses excluding unfunded commitments	19,107		8,839		(14,765)		13,181

Balance at June 30, 2026	$	147,085	$	81,821	$	9,283	$	238,189



	Six Months Ended June 30, 2025
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Balance at December 31, 2024	$	74,171	$	44,169	$	6,743	$	125,083

Charge-offs	(3,524)		(11,136)		(14)		(14,674)
Recoveries	—		1,849		101		1,950
Provision (credit) for loan and lease losses excluding unfunded commitments	2,468		11,587		311		14,366
Balance at June 30, 2025	$	73,115	$	46,469	$	7,141	$	126,725


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In Thousands)
Provision (credit) for loan and lease losses:
Commercial real estate	$	4,067	$	2,640	$	19,107	$	2,468
Commercial	4,421		4,753		8,839		11,587
Consumer	(396)		314		(14,765)		311

Total provision (credit) for loan and lease losses	8,092		7,707		13,181		14,366








Unfunded commitments	(3,085)		(710)		(275)		(1,395)
Investment securities available-for-sale	(85)		3		(38)		15
Total provision (credit) for credit losses	$	4,922	$	7,000	$	12,868	$	12,986

Management has established a methodology to determine the adequacy of the ACL that assesses the risks and losses expected on the loan and lease portfolio and unfunded commitments. Additions to the ACL are made by charges to the provision for credit losses. Losses on loans and leases are charged off against the allowance when all or a portion of a loan or lease is considered uncollectible. Subsequent recoveries on loans previously charged off, if any, are credited to the allowance when realized.

For periods in 2025, the Company continued to use the two legacy banks' ACL processes to calculate the expected losses over the remaining life of the portfolio. During the first quarter of 2026, as part of the February core conversion, the ACL process was updated to have a single integrated process that applies to all loans in the Company's portfolio. The Company continues to use models developed by a third party to calculate the allowance for loans collectively evaluated. As part of reviewing the applicability of these models to the combined Beacon Bank footprint, the models were calibrated to the combined Company's footprint and peer bank loss experience.

The Bank’s ACL process uses CRE, C&I, and retail lifetime loss rate models to calculate the expected losses over the life of the loan based on exposure at default, loan attributes, and reasonable, supportable economic forecasts. The exposure at default considers the current unpaid balance and expected utilization assumptions. Key assumptions used in the models include portfolio segmentation, prepayments, and the expected utilization of unfunded commitments, among others. The portfolios are segmented by loan level attributes such as loan type, loan size, date of origination, and delinquency status to create homogenous loan pools. Pool level metrics are calculated and loss rates are subsequently applied to the pools based on loans that have like characteristics. Prepayment assumptions are embedded within the models and are based on the same data used for model development.

Model development data and developmental time periods vary by model, but all use at least ten years of historical data and capture at least one recessionary period. Expected utilization is based on current utilization and a LEQ factor. LEQ varies by current utilization and provides a reasonable estimate of expected draws and borrower behavior. Assumptions and model inputs are reviewed in accordance with model monitoring practices and as new information becomes available.

The ACL estimate incorporates reasonable and supportable forecasts of various macro-economic variables over the remaining life of loans and leases. The development of the reasonable and supportable forecast assumes each macro-economic variable will revert to long-term expectations, with reversion characteristics unique to specific economic indicators and forecasts. Reversion towards long-term expectations generally begins two to three years from the forecast start date and largely completes within the first five years. Management elected to use multiple economic forecasts in determining the reserve to account for economic uncertainty. The forecasts include various projections of gross domestic product, interest rates, property

As of June 30, 2026, management continued to apply qualitative adjustments to the Company’s models. These adjustments are designed to address model limitations and are generally targeted to specific risks within the certain portfolios or certain risk factors (e.g., office, refi-risk, and specialty vehicle) based on recent collateral valuations and performance trends. Additionally, portfolio level metrics such as delinquency, population of adversely graded loans, non-accruals, etc. are used to inform management’s evaluation of the credit risk in the portfolio and adjustments are made as appropriate. These adjustments included both positive and negative adjustments with a total impact to the ACL estimate of $42.3 million at June 30, 2026 and $24.8 million at December 31, 2025. Management reviews these factors on a quarterly basis as market conditions and segment performance evolve.

Specific reserves are established for loans individually evaluated for impairment when amortized cost basis is greater than the discounted present value of expected future cash flows or, in the case of collateral-dependent loans, when there is an excess of a loan's amortized cost basis over the fair value of its underlying collateral. When loans and leases do not share risk characteristics with other financial assets they are evaluated individually. Individually evaluated loans are reviewed quarterly with adjustments made to the calculated reserve as necessary.

At the time of loan origination, a rating is assigned based on the capacity to pay and general financial strength of the borrower, the value of assets pledged as collateral, and the evaluation of third party support such as a guarantor. The Company continually monitors the credit quality of the loan portfolio using all available information. The officer responsible for handling each loan is required to initiate changes to risk ratings when changes in facts and circumstances occur that warrant an upgrade or downgrade in a loan rating. Based on this information, loans demonstrating certain payment issues or other weaknesses may be categorized as delinquent, adversely risk-rated, nonperforming and/or put on nonaccrual status. Additionally, in the course of resolving such loans, the Company may choose to restructure the contractual terms of certain loans to match the borrower's ability to repay the loan based on their current financial condition. If a restructured loan meets certain criteria, it may be categorized as a modified loan.

The Company reviews numerous credit quality indicators when assessing the risk in its loan portfolio. For all loans, the Company utilizes an eight-grade loan rating system, which assigns a risk rating to each borrower based on a number of quantitative and qualitative factors associated with a loan transaction. Factors considered include industry and market conditions; position within the industry; earnings trends; operating cash flow; asset/liability values; debt capacity; guarantor strength; management and controls; financial reporting; collateral; and other considerations. In addition, the Company's independent loan review group evaluates the credit quality and related risk ratings in all loan portfolios. The results of these reviews are reported to the Risk Committee of the Board of Directors on a periodic basis and annually to the Board of Directors. For the consumer loans, the Company heavily relies on payment status for calibrating credit risk.

Borrowers exhibit well defined weaknesses that jeopardize the orderly liquidation of debt. Substandard loans may be inadequately protected by the current net worth and paying capacity of the obligors or by the collateral pledged, if any. Normal repayment from the borrower is in jeopardy. Although no immediate loss of principal is envisioned, there is a distinct possibility that a partial loss of interest and/or principal will occur if the deficiencies are not corrected. Collateral coverage may be inadequate to cover the principal obligation.


	June 30, 2026
	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
			(In Thousands)
Commercial Real Estate
Pass	$	343,984	$	563,222	$	526,903	$	798,752	$	1,163,431	$	3,296,394	$	39,841	$	68,541	$	6,801,068
OAEM	—		27,698		3,345		47,148		37,789		131,301		—		—		247,281
Substandard	—		280		2,130		8,937		100,736		98,985		—		25,501		236,569

Total	343,984		591,200		532,378		854,837		1,301,956		3,526,680		39,841		94,042		7,284,918
Current-period gross writeoffs	—		—		—		—		—		4,188		—		—		4,188
Multi-Family Mortgage
Pass	42,229		180,148		175,393		187,482		566,269		987,469		5,854		40,530		2,185,374
OAEM	—		—		—		—		43,837		—		—		—		43,837
Substandard	—		—		—		1,062		—		11,929		—		—		12,991

Total	42,229		180,148		175,393		188,544		610,106		999,398		5,854		40,530		2,242,202
Current-period gross writeoffs	—		—		—		—		—		3,360		—		—		3,360
Construction


	June 30, 2026
	2026	2025	2024	2023	2022	Prior	Revolving Loans	Revolving Loans Converted to Term Loans	Total
		(In Thousands)
Pass	12,934	157,424	40,209	22,084	29,208	16,773	5,314	219	284,165

Substandard	—	—	—	—	72,854	—	—	—	72,854

Total	12,934	157,424	40,209	22,084	102,062	16,773	5,314	219	357,019
Commercial
Pass	244,362	289,029	273,859	263,295	155,458	266,210	1,278,941	42,982	2,814,136
OAEM	—	936	565	87	17,992	3,681	21,677	302	45,240
Substandard	—	803	7,203	3,539	4,306	14,614	53,922	6,516	90,903
Doubtful	—	—	—	182	—	—	—	—	182
Total	244,362	290,768	281,627	267,103	177,756	284,505	1,354,540	49,800	2,950,461
Current-period gross writeoffs	—	31	498	420	127	141	497	168	1,882
Equipment Financing
Pass	71,620	186,489	209,618	200,045	156,300	148,287	7,773	4,090	984,222

Substandard	2,519	2,008	6,862	12,551	10,221	7,223	—	5,736	47,120

Total	74,139	188,497	216,480	212,596	166,521	155,510	7,773	9,826	1,031,342
Current-period gross writeoffs	—	—	426	435	1,260	117	—	3,437	5,675


	June 30, 2026
	2026	2025	2024	2023	2022	Prior	Revolving Loans	Revolving Loans Converted to Term Loans	Total
		(In Thousands)
Residential
Pass	90,414	321,878	324,561	490,798	667,644	1,213,227	31,757	200	3,140,479
OAEM	—	—	—	—	—	1,098	—	—	1,098
Substandard	—	—	—	—	1,169	8,078	—	—	9,247

Total	90,414	321,878	324,561	490,798	668,813	1,222,403	31,757	200	3,150,824
Current-period gross writeoffs	—	—	—	—	—	75	—	—	75
Home Equity
Pass	4,444	1,748	1,892	6,785	6,985	32,470	558,271	47,719	660,314
OAEM	—	—	—	—	—	26	—	551	577
Substandard	18	41	28	193	—	265	279	3,923	4,747

Total	4,462	1,789	1,920	6,978	6,985	32,761	558,550	52,193	665,638
Current-period gross writeoffs	—	—	—	—	—	—	—	5	5
Other Consumer
Pass	17,903	27,164	24,852	22,114	16,414	18,815	11,606	724	139,592
OAEM	—	17	58	13	—	—	—	10	98
Substandard	—	4	37	5	22	25	1	30	124

Total	17,903	27,185	24,947	22,132	16,436	18,840	11,607	764	139,814
Current-period gross writeoffs	—	22	—	43	12	18	73	—	168
Total
Pass	827,890	1,727,102	1,577,287	1,991,355	2,761,709	5,979,645	1,939,357	205,005	17,009,350
OAEM	—	28,651	3,968	47,248	99,618	136,106	21,677	863	338,131
Substandard	2,537	3,136	16,260	26,287	189,308	141,119	54,202	41,706	474,555
Doubtful	—	—	—	182	—	—	—	—	182


	December 31, 2025
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
	(In Thousands)
Commercial Real Estate
Pass	$	546,268	$	496,486	$	713,257	$	1,377,041	$	1,144,463	$	2,524,605	$	45,663	$	14,944	$	6,862,727
OAEM	14,599		732		53,420		42,680		43,317		37,747		—		387		192,882
Substandard	—		24,867		3,963		56,316		7,427		84,232		2,983		—		179,788

Total	560,867		522,085		770,640		1,476,037		1,195,207		2,646,584		48,646		15,331		7,235,397
Current -period gross writeoffs	—		569		18		4,641		—		3,458		—		—		8,686

Multi-Family Mortgage
Pass	165,979		110,718		113,109		618,623		278,798		811,649		4,551		3,982		2,107,409
OAEM	—		—		—		10,876		—		—		—		—		10,876
Substandard	—		—		1,066		2,863		11,477		22,289		—		—		37,695


	December 31, 2025
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
	(In Thousands)
Total	165,979		110,718		114,175		632,362		290,275		833,938		4,551		3,982		2,155,980
Current -period gross writeoffs	—		—		—		—		—		2,332		—		—		2,332
Construction
Pass	159,217		148,651		145,038		87,874		16,938		332		3,188		—		561,238
OAEM	—		—		—		37,689		—		—		—		—		37,689
Substandard	—		—		—		21,790		—		—		—		—		21,790

Total	159,217		148,651		145,038		147,353		16,938		332		3,188		—		620,717
Commercial
Pass	314,833		302,916		311,533		162,007		177,421		174,533		1,180,768		12,790		2,636,801
OAEM	—		774		236		20,727		135		4,361		35,864		339		62,436
Substandard	—		8,231		4,746		4,283		5,378		11,421		49,974		698		84,731
Doubtful	—		—		184		—		—		—		—		—		184
Total	314,833		311,921		316,699		187,017		182,934		190,315		1,266,606		13,827		2,784,152
Current-period gross writeoffs	—		1,082		210		5,199		106		7,353		1,467		—		15,417
Equipment Financing
Pass	196,359		241,981		265,403		210,829		94,341		101,526		2,951		4,359		1,117,749
OAEM	—		—		—		878		597		—		—		—		1,475
Substandard	138		3,778		12,026		8,090		2,532		3,959		—		11,541		42,064
Doubtful	—		—		—		1,918		—		5		—		—		1,923
Total	196,497		245,759		277,429		221,715		97,470		105,490		2,951		15,900		1,163,211
Current-period gross writeoffs	—		870		6,421		5,263		1,097		1,966		—		—		15,617






Other Consumer
Pass	10,735		19,553		19,614		7,792		3,311		4,270		75,916		14		141,205
OAEM	12		—		—		5		—		1		5		—		23
Substandard	1		41		2		46		6		7		32		—		135

Total	10,748		19,594		19,616		7,843		3,317		4,278		75,953		14		141,363
Current-period gross writeoffs	27		14		11		1		—		19		62		—		134
Total
Pass	1,393,391		1,320,305		1,567,954		2,464,166		1,715,272		3,616,915		1,313,037		36,089		13,427,129
OAEM	14,611		1,506		53,656		112,855		44,049		42,109		35,869		726		305,381
Substandard	139		36,917		21,803		93,388		26,820		121,908		52,989		12,239		366,203
Doubtful	—		—		184		1,918		—		5		—		—		2,107
Total	$	1,408,141	$	1,358,728	$	1,643,597	$	2,672,327	$	1,786,141	$	3,780,937	$	1,401,895	$	49,054	$	14,100,820


	At December 31, 2025
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
	(In Thousands)
Residential
Credit Scores
Over 700	$	311,693	$	330,183	$	497,233	$	542,388	$	250,604	$	746,295	$	3,000	$	—	$	2,681,396
661 - 700	10,890		15,515		23,976		30,852		15,805		74,101		8		—		171,147
600 and below	4,983		8,539		10,528		15,014		11,306		43,250		—		—		93,620
Data not available*	24,658		3,334		5,729		103,341		6,076		144,124		—		—		287,262
Total	$	352,224	$	357,571	$	537,466	$	691,595	$283,791		$	1,007,770	$	3,008	$	—	$	3,233,425
Current-period gross writeoffs	—		—		—		—		—		1		—		—		1
Home Equity
Credit Scores
Over 700	$	5,286	$	1,882	$	6,714	$	7,087	$	7,111	$	26,203	$	542,324	$	3,737	$	600,344
661 - 700	—		23		54		559		177		2,211		55,752		986		59,762
600 and below	95		117		789		131		124		952		27,538		2,652		32,398
Data not available*	2		—		13		—		—		50		2,738		—		2,803
Total	$	5,383	$	2,022	$	7,570	$	7,777	$	7,412	$	29,416	$	628,352	$	7,375	$	695,307
Current-period gross writeoffs	$	—	$	—	$	—	$	—	$	—	$	—	$	64	$	—	64


	At June 30, 2026
	Past Due										Past Due Greater Than 90 Days and Accruing
	31-60 Days		61-90 Days		Greater Than 90 Days		Total		Current					Total Loans and Leases			Non-accrual		Non-accrual with No Related Allowance
	(In Thousands)
Commercial real estate loans:
Commercial real estate	$	46,023	$	1,883	$	49,572	$	97,478	$	7,187,440		$	7,284,918		$	1,634	$	67,645	$	7,049
Multi-family mortgage	139		—		6,348		6,487		2,235,715			2,242,202			—		9,484		—
Construction	2,126		56,484		—		58,610		298,409			357,019			—		—		—
Total commercial real estate loans	48,288		58,367		55,920		162,575		9,721,564			9,884,139			1,634		77,129		7,049
Commercial loans and leases:
Commercial	2,620		6,358		19,489		28,467		2,921,994			2,950,461			—		20,873		9,561
Equipment financing	16,814		9,366		34,189		60,369		970,973			1,031,342			463		45,493		24,339

Total commercial loans and leases	19,434		15,724		53,678		88,836		3,892,967			3,981,803			463		66,366		33,900
Consumer loans:
Residential mortgage	6,669		5,211		7,044		18,924		3,131,900			3,150,824			3,976		5,991		5,272
Home equity	1,359		581		2,920		4,860		660,778			665,638			1,706		3,041		3,041
Other consumer	138		117		50		305		139,509			139,814			6		123		124
Total consumer loans	8,166		5,909		10,014		24,089		3,932,187			3,956,276			5,688		9,155		8,437
Total loans and leases	$	75,888	$	80,000	$	119,612	$	275,500	$	17,546,718		$	17,822,218		$	7,785	$	152,650	$	49,386


	At December 31, 2025
	Past Due										Loans and Leases Past Due Greater Than 90 Days and Accruing				Non-accrual with No Related Allowance
	31-60 Days		61-90 Days		Greater Than 90 Days		Total		Current					Total Loans and Leases					Non-accrual
	(In Thousands)

Commercial real estate loans:
Commercial real estate	$	10,348	$	7,457	$	21,663	$	39,468	$	7,195,929		$	7,235,397		$	3,250	$	41,246	$	1,340
Multi-family mortgage	148		—		18,400		18,548		2,137,432			2,155,980			14,340		4,065		1,066
Construction	—		—		15,000		15,000		605,717			620,717			15,000		—		—
Total commercial real estate loans	10,496		7,457		55,063		73,016		9,939,078			10,012,094			32,590		45,311		2,406
Commercial loans and leases:
Commercial	2,762		219		16,798		19,779		2,764,373			2,784,152			320		16,716		1,735
Equipment financing	12,513		7,456		36,795		56,764		1,106,447			1,163,211			112		42,718		2,531

Total commercial loans and leases	15,275		7,675		53,593		76,543		3,870,820			3,947,363			432		59,434		4,266
Consumer loans:
Residential mortgage	8,429		4,014		8,443		20,886		3,212,539			3,233,425			3,970		6,465		1,323
Home equity	2,793		1,030		1,486		5,309		689,998			695,307			811		2,811		32
Other consumer	287		68		133		488		140,875			141,363			20		135		—
Total consumer loans	11,509		5,112		10,062		26,683		4,043,412			4,070,095			4,801		9,411		1,355
Total loans and leases	$	37,280	$	20,244	$	118,718	$	176,242	$	17,853,310		$	18,029,552		$	37,823	$	114,156	$	8,027

Loans and leases which do not share similar risk characteristics with other loans are individually evaluated for credit losses. A loan is individually evaluated when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both interest and principal) according to the contractual terms of the loan agreement. The loans and leases risk-rated "substandard" or worse are individually evaluated. Specific reserves are established for loans and leases with deterioration in the present value of expected future cash flows or, in the case of collateral-dependent loans and leases, any increase in the loan or lease amortized cost basis over the fair value of the underlying collateral discounted for estimated selling costs. In contrast, the loans and leases which share similar risk characteristics and are not included in the individually evaluated population are collectively evaluated for credit losses.


	At June 30, 2026
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Allowance for Loan and Lease Losses:

Individually evaluated	$	44,622	$	28,458	$	—	$	73,080
Collectively evaluated	102,463		53,363		9,283		165,109
Total	$	147,085	$	81,821	$	9,283	$	238,189









Loans and Leases:

Individually evaluated	$	310,412	$	99,114	$	—	$	409,526
Collectively evaluated	9,573,727		3,882,689		3,956,276		17,412,692
Total	$	9,884,139	$	3,981,803	$	3,956,276	$	17,822,218


	At December 31, 2025
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Allowance for Loan and Lease Losses:

Individually evaluated	$	47,329	$	31,909	$	178	$	79,416
Collectively evaluated	95,062		54,581		23,780		173,423
Total loans and leases	$	142,391	$	86,490	$	23,958	$	252,839










Loans and Leases:
Individually evaluated	$	240,753	$	111,589	$	1,801	$	354,143
Collectively evaluated	9,771,341		3,835,774		4,068,294		17,675,409








Total loans and leases	$	10,012,094	$	3,947,363	$	4,070,095	$	18,029,552


	Three Months Ended June 30, 2026
	Number of Loans	Amortized Cost		% of Total Class of Loans and Leases		Financial Effect
		(In thousands)
Maturity Extension:
Commercial real estate	1	$	566	0.01	%	Loan was given a renewal totaling over two years. The financial effect was deemed "de minimis".
Commercial	4	14,799		0.50	%	Loans were given multi-month extensions totaling over a year. The financial effect was deemed "de minimis".
Equipment financing	1	43		—	%	Loan maturity was extended 12 months with step payment. The financial effect was deemed "de minimis".
Interest Rate Reduction:
Commercial real estate	1	750		0.01	%	Loan was given reduction in stated interest rate of 4.25%. The financial effect was deemed "de minimis".
Significant Payment Delays:
Commercial real estate	3	2,607		0.04	%	Two loans were given six month payment deferments and the third was given a principal deferment until maturity in over 12 months. The financial effect was deemed "de minims".
Multi-family mortgage	2	1,181		0.05	%	Loans were given a six month forbearance modification and an interest deferral until maturity, respectively. The financial effect was deemed "de minimis".
Commercial	3	517		0.02	%	Two loans were given six month payment deferments and the third was given a principal deferment until maturity in over 12 months. The financial effect was deemed "de minims".

Combination - Maturity Extension and Significant Payment Delays:

Equipment financing	5	2,216		0.21	%	One loan received an eight month deferment and eight month maturity extension and the other four loans have received multiple modifications totaling nine months of deferrals and a nine month maturity extension. The financial effect was deemed "de minims".





Combination - Maturity Extension, Interest Rate Reduction, and Significant Payment Delay
Commercial real estate	1	$	28,736	0.39	%	Loan was given a maturity extension of 17 months, a payment deferral of principal through maturity and the current interest rate was split between a pay rate and an accruing rate. The financial effect was deemed "de minims".
Total	21	$	51,415


	Three Months Ended June 30, 2025
	Number of Loans	Amortized Cost		% of Total Class of Loans and Leases		Financial Effect
		(In thousands)
Maturity Extension:
Commercial	2	$	446	0.02	%	One loan was given a 12 month maturity extension to assist the borrower and another loan was given a 7 month maturity extension. The financial effect was deemed "de minimis".
Significant Payment Delays:
Commercial real estate	1	$	3,815	0.07	%	These loans were given principal payment deferrals for 12 months. The financial effect was deemed "de minimis."
Combination - Maturity Extension and Interest Rate Reduction:
Commercial	2	$	364	0.01	%	These loans were given 36 month extensions and reductions in their stated interest rate of 2.3%.



Total	5	$	4,625



	Six Months Ended June 30, 2026
	Number of Loans	Amortized Cost		% of Total Class of Loans and Leases		Financial Effect
		(In thousands)
Maturity Extension:
Commercial real estate	2	695		0.01	%	Loans were given between 2 & 5 year extensions, respectively. Financial effect was deemed "de minims".
Commercial	8	$	20,351	0.69	%	Loans were given multi-month extensions totaling over a year. The financial effect was deemed "de minimis".
Equipment financing	1	43		—	%	Loan maturity was extended 12 months with step payment. The financial effect was deemed "de minimis".
Interest Rate Reduction
Commercial real estate	1	750		0.01	%	Loan was given reduction in stated interest rate of 4.25%. The financial effect was deemed "de minimis".


Significant Payment Delays:
Commercial real estate	4	2,849		0.04	%	One loan was give multiple deferrals totaling of 180 months of deferment, two loans were given six month payment deferments and the third was given a principal deferment until maturity in over 12 months. The financial effect was deemed "de minims".
Multi-family mortgage	2	1,181		0.05	%	Loans were given a 6 month forbearance modification and an interest deferral until maturity, respectively. The financial effect was deemed "de minimis".
Commercial	3	517		0.02	%	Two loans were given six month payment deferments and the third was given a principal deferment until maturity in over 12 months. The financial effect was deemed "de minims".


Combination - Maturity Extension and Significant Payment Delays

Equipment financing	5	2,216		0.21	%	One loan received an eight month deferment and eight month maturity extension and the other four loans have received multiple modifications totaling nine months of deferrals and a nine month maturity extension. The financial effect was deemed "de minims".

Combination - Maturity Extension and Interest Rate Reduction:
Commercial real estate	1	$	4,901	0.07	%	Loan was given 6 month extensions, and reductions in their stated interest rates of 2.5%. The financial effect was deemed "de minimis."
Equipment financing	2	684		0.07	%	Loans were given 33 month extension, rate change, and payment change, and a rate reduction and deferred payment, respectively. The financial effect was deemed "de minimis".


Combination - Significant Payment Delay and Interest Rate Reduction
Commercial real estate	1	2,907		0.04	%	Loan was given 3 month deferral, and reductions in their stated interest rates of 1.89%. The financial effect was deemed "de minimis".
Combination - Maturity Extension, Interest Rate Reduction and Significant Payment Delay
Commercial real estate	1	$	28,736	0.39	%	Loan was given a maturity extension of 17 months, a payment deferral of principal through maturity and the current interest rate was split between a pay rate and an accruing rate. The financial effect was deemed "de minims".
Total	31	$	65,830


	Six Months Ended June 30, 2025
	Number of Loans	Amortized Cost		% of Total Class of Loans and Leases		Financial Effect
		(In thousands)
Maturity Extension:

Commercial	4	$	1,537	0.06	%	Loans were given 15, 12, 7, and 3 month maturity extensions to assist the borrowers. The financial effect was deemed "de minimis".





Significant Payment Delays:
Commercial real estate	1	$	3,815	0.07	%	This loan was given principal payments deferrals for 12 months. The financial effect was deemed "de minimis."










Combination - Maturity Extension and Interest Rate Reduction:
Commercial	2	364		0.01	%	These loans were given 36 month extensions, and reductions in their stated interest rates of 2.3%. The financial effect was deemed "de minimis."
Total	7	$	5,716