LOANS AND ALLOWANCE FOR CREDIT LOSSES

Schedule of classes of loans by aging as of the dates indicated


		June 30, 2026
																				Total Loans
								Over 90									Total			> 90 Days Past
		30-59 Days			60-89 Days			Days			Total Past						Loans			Due and
		Past Due			Past Due			Past Due			Due			Current			Receivable			Still Accruing

		(In Thousands)
One- to four-family residential construction		$	—		$	—		$	—		$	—		$	38,164		$	38,164		$	—
Subdivision construction			—			—			—			—			34,141			34,141			—
Land development			—			—			—			—			51,546			51,546			—
Commercial construction			—			—			—			—			278,513			278,513			—
Owner occupied one- to four-family residential			49			44			990			1,083			654,233			655,316			—
Non-owner occupied one- to four-family residential			—			—			—			—			132,727			132,727			—
Commercial real estate			244			—			—			244			1,482,613			1,482,857			—
Other residential (multi-family)			—			—			—			—			1,347,498			1,347,498			—
Commercial business			—			—			36			36			173,558			173,594			—
Consumer auto			—			10			—			10			22,479			22,489			—
Consumer other			77			2			7			86			20,824			20,910			—
Home equity lines of credit			30			—			—			30			139,347			139,377			—
Total		$	400		$	56		$	1,033		$	1,489		$	4,375,643		$	4,377,132		$	—


		December 31, 2025
																				Total Loans
								Over 90									Total			> 90 Days Past
		30-59 Days			60-89 Days			Days			Total Past						Loans			Due and
		Past Due			Past Due			Past Due			Due			Current			Receivable			Still Accruing

		(In Thousands)
One- to four-family residential construction		$	—		$	—		$	—		$	—		$	30,258		$	30,258		$	—
Subdivision construction			—			—			—			—			32,160			32,160			—
Land development			—			—			—			—			37,519			37,519			—
Commercial construction			—			—			—			—			249,224			249,224			—
Owner occupied one- to four-family residential			830			521			631			1,982			654,717			656,699			—
Non-owner occupied one- to four-family residential			—			—			1,435			1,435			123,863			125,298			—
Commercial real estate			70			—			—			70			1,556,078			1,556,148			—
Other residential (multi-family)			24,762			—			—			24,762			1,362,648			1,387,410			—
Commercial business			—			—			—			—			178,514			178,514			—
Consumer auto			27			12			—			39			24,130			24,169			—
Consumer other			128			30			10			168			22,081			22,249			—
Home equity lines of credit			74			—			18			92			127,938			128,030			—
Total		$	25,891		$	563		$	2,094		$	28,548		$	4,399,130		$	4,427,678		$	—

Schedule of activity in the allowance for credit losses and unfunded commitments by portfolio segment


		One- to Four-
		Family
		Residential and			Other			Commercial			Commercial			Commercial
		Construction			Residential			Real Estate			Construction			Business			Consumer			Total

		(In Thousands)
Allowance for credit losses
Balance, March 31, 2025		$	9,192		$	15,594		$	28,794		$	2,929		$	4,522		$	3,673		$	64,704
Provision (credit) charged to expense			—			—			—			—			—			—			—
Losses charged off			(10)			—			—			—			—			(241)			(251)
Recoveries			22			—			—			7			190			143			362
Balance, June 30, 2025		$	9,204		$	15,594		$	28,794		$	2,936		$	4,712		$	3,575		$	64,815

Allowance for credit losses
Balance, March 31, 2026		$	7,653		$	18,821		$	28,785		$	2,327		$	4,020		$	3,178		$	64,784
Provision (credit) charged to expense			89			928			(1,419)			385			(217)			234			—
Losses charged off			—			(909)			—			—			—			(272)			(1,181)
Recoveries			6			—			—			100			96			160			362
Balance, June 30, 2026		$	7,748		$	18,840		$	27,366		$	2,812		$	3,899		$	3,300		$	63,965


		One- to Four-
		Family
		Residential and			Other			Commercial			Commercial			Commercial
		Construction			Residential			Real Estate			Construction			Business			Consumer			Total

		(In Thousands)
Allowance for credit losses
Balance, January 1, 2025		$	9,224		$	15,594		$	28,802		$	2,735		$	4,656		$	3,749		$	64,760
Provision (credit) charged to expense			—			—			—			—			—			—			—
Losses charged off			(46)			—			(8)			—			(147)			(475)			(676)
Recoveries			26			—			—			201			203			301			731
Balance, June 30, 2025		$	9,204		$	15,594		$	28,794		$	2,936		$	4,712		$	3,575		$	64,815

Allowance for credit losses
Balance, January 1, 2026		$	7,483		$	18,476		$	29,223		$	2,396		$	3,911		$	3,282		$	64,771
Provision (credit) charged to expense			256			1,273			(1,873)			316			(225)			253			—
Losses charged off			—			(909)			—			—			—			(581)			(1,490)
Recoveries			9			—			16			100			213			346			684
Balance, June 30, 2026		$	7,748		$	18,840		$	27,366		$	2,812		$	3,899		$	3,300		$	63,965


		One- to Four-
		Family
		Residential and			Other			Commercial			Commercial			Commercial
		Construction			Residential			Real Estate			Construction			Business			Consumer			Total

		(In Thousands)
Allowance for unfunded commitments
Balance, March 31, 2025		$	658		$	4,594		$	620		$	418		$	1,428		$	437		$	8,155
Provision (credit) charged to expense			97			9			61			54			(281)			(50)			(110)
Balance, June 30, 2025		$	755		$	4,603		$	681		$	472		$	1,147		$	387		$	8,045

Allowance for unfunded commitments
Balance, March 31, 2026		$	862		$	3,998		$	609		$	700		$	1,087		$	361		$	7,617
Provision (credit) charged to expense			111			(280)			55			(132)			252			2			8
Balance, June 30, 2026		$	973		$	3,718		$	664		$	568		$	1,339		$	363		$	7,625


		One- to Four-
		Family
		Residential and			Other			Commercial			Commercial			Commercial
		Construction			Residential			Real Estate			Construction			Business			Consumer			Total

		(In Thousands)
Allowance for unfunded commitments
Balance, January 1, 2025		$	619		$	4,833		$	653		$	496		$	1,468		$	434		$	8,503
Provision (credit) charged to expense			136			(230)			28			(24)			(321)			(47)			(458)
Balance, June 30, 2025		$	755		$	4,603		$	681		$	472		$	1,147		$	387		$	8,045

Allowance for unfunded commitments
Balance, January 1, 2026		$	967		$	4,580		$	699		$	637		$	1,302		$	363		$	8,548
Provision (credit) charged to expense			6			(862)			(35)			(69)			37			—			(923)
Balance, June 30, 2026		$	973		$	3,718		$	664		$	568		$	1,339		$	363		$	7,625

Schedule of loan modifications made to borrowers experiencing financial difficulty by the loan portfolio and type of concessions granted


		Amortized Cost Basis at December 31, 2025
		Interest Rate			Term						Total
		Reduction			Extension			Combination			Modifications

			(In Thousands)
Construction and land development		$	—		$	—		$	—		$	—
One- to four-family residential			—			—			—			—
Other residential (multi-family)			—			—			—			—
Commercial real estate			—			—			—			—
Commercial business			—			—			—			—
Consumer			5			—			—			5
		$	5		$	—		$	—		$	5

Schedule of loans by category and risk rating separated by origination and loan class

The following tables present a summary of loans by category and risk rating separated by origination year and loan class as of June 30, 2026 and December 31, 2025.


		Term Loans by Origination Year
																				Revolving
June 30, 2026		2026 YTD			2025			2024			2023			2022			Prior			Loans			Total

		(In Thousands)
One- to four-family residential construction
Satisfactory (1-4)		$	5,484		$	21,784		$	200		$	3,194		$	463		$	—		$	7,039		$	38,164
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			5,484			21,784			200			3,194			463			—			7,039			38,164
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Subdivision construction
Satisfactory (1-4)			167			811			1,706			259			250			16,140			14,808			34,141
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			167			811			1,706			259			250			16,140			14,808			34,141
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Construction and land development
Satisfactory (1-4)			10,125			13,336			8,442			6,507			3,544			6,757			2,835			51,546
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			10,125			13,336			8,442			6,507			3,544			6,757			2,835			51,546
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Other construction
Satisfactory (1-4)			66,095			52,607			128,319			—			30,740			752			—			278,513
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			66,095			52,607			128,319			—			30,740			752			—			278,513
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

One- to four-family residential
Satisfactory (1-4)			62,141			62,762			35,361			41,015			254,354			328,573			1,299			785,505
Watch (5)			—			—			—			—			—			691			—			691
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			128			508			1,211			—			1,847
Total			62,141			62,762			35,361			41,143			254,862			330,475			1,299			788,043
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Other residential (multi-family)
Satisfactory (1-4)			21,298			114,761			252,354			77,660			501,609			342,480			3,197			1,313,359
Watch (5)			—			—			—			—			—			2,639			—			2,639
Special Mention (6)			—			—			—			—			—			31,500			—			31,500
Classified (7-9)			—			—			—			—			—			—			—			—
Total			21,298			114,761			252,354			77,660			501,609			376,619			3,197			1,347,498
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Commercial real estate
Satisfactory (1-4)			78,593			117,095			147,076			91,345			248,022			744,723			34,207			1,461,061
Watch (5)			—			—			—			—			13,997			3,045			—			17,042
Special Mention (6)			—			—			—			—			—			4,754			—			4,754
Classified (7-9)			—			—			—			—			—			—			—			—
Total			78,593			117,095			147,076			91,345			262,019			752,522			34,207			1,482,857
Current Period Gross Charge Offs			—			—			—			—			909			—			—			909

Commercial business
Satisfactory (1-4)			7,909			41,867			15,831			8,146			8,099			46,736			44,943			173,531
Watch (5)			—			—			—			—			—			15			—			15
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			48			—			—			—			48
Total			7,909			41,867			15,831			8,194			8,099			46,751			44,943			173,594
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Consumer
Satisfactory (1-4)			7,593			11,749			7,298			3,071			1,524			7,225			143,771			182,231
Watch (5)			—			—			—			—			—			183			67			250
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			10			—			6			14			—			48			217			295
Total			7,603			11,749			7,304			3,085			1,524			7,456			144,055			182,776
Current Period Gross Charge Offs			—			46			15			20			8			438			54			581

Combined
Satisfactory (1-4)			259,405			436,772			596,587			231,197			1,048,605			1,493,386			252,099			4,318,051
Watch (5)			—			—			—			—			13,997			6,573			67			20,637
Special Mention (6)			—			—			—			—			—			36,254			—			36,254
Classified (7-9)			10			—			6			190			508			1,259			217			2,190
Total		$	259,415		$	436,772		$	596,593		$	231,387		$	1,063,110		$	1,537,472		$	252,383		$	4,377,132
Current Period Gross Charge Offs		$	—		$	46		$	15		$	20		$	917		$	438		$	54		$	1,490


		Term Loans by Origination Year
																				Revolving
December 31, 2025		2025			2024			2023			2022			2021			Prior			Loans			Total

		(In Thousands)
One- to four-family residential construction
Satisfactory (1-4)		$	18,452		$	4,606		$	2,611		$	1,242		$	—		$	—		$	3,347		$	30,258
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			18,452			4,606			2,611			1,242			—			—			3,347			30,258
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Subdivision construction
Satisfactory (1-4)			924			2,745			278			260			16,146			428			11,379			32,160
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			924			2,745			278			260			16,146			428			11,379			32,160
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Construction and land development
Satisfactory (1-4)			11,147			9,046			6,573			1,097			368			6,413			2,875			37,519
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			11,147			9,046			6,573			1,097			368			6,413			2,875			37,519
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Other construction
Satisfactory (1-4)			35,846			166,912			7,448			38,049			969			—			—			249,224
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			35,846			166,912			7,448			38,049			969			—			—			249,224
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

One- to four-family residential
Satisfactory (1-4)			65,388			39,406			49,967			267,992			153,547			200,389			1,340			778,029
Watch (5)			—			—			—			—			—			724			—			724
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			28			71			507			268			1,756			614			3,244
Total			65,388			39,434			50,038			268,499			153,815			202,869			1,954			781,997
Current Period Gross Charge Offs			—			—			—			21			16			9			—			46

Other residential (multi-family)
Satisfactory (1-4)			99,386			153,763			113,657			541,044			266,906			182,230			2,999			1,359,985
Watch (5)			—			—			—			—			—			2,663			—			2,663
Special Mention (6)			—			—			—			—			24,762			—			—			24,762
Classified (7-9)			—			—			—			—			—			—			—			—
Total			99,386			153,763			113,657			541,044			291,668			184,893			2,999			1,387,410
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Commercial real estate
Satisfactory (1-4)			122,684			142,179			93,260			305,833			194,448			640,276			34,936			1,533,616
Watch (5)			—			—			—			10,548			—			2,964			—			13,512
Special Mention (6)			—			—			—			—			—			9,020			—			9,020
Classified (7-9)			—			—			—			—			—			—			—			—
Total			122,684			142,179			93,260			316,381			194,448			652,260			34,936			1,556,148
Current Period Gross Charge Offs			—			—			—			—			8			—			—			8

Commercial business
Satisfactory (1-4)			31,698			22,010			9,959			13,490			15,629			38,256			44,170			175,212
Watch (5)			—			—			—			805			2,473			24			—			3,302
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			31,698			22,010			9,959			14,295			18,102			38,280			44,170			178,514
Current Period Gross Charge Offs			—			—			—			—			—			135			44			179

Consumer
Satisfactory (1-4)			15,703			9,937			4,651			2,530			1,015			7,509			131,623			172,968
Watch (5)			—			—			—			—			—			188			70			258
Special Mention (6)			—			—			—			—			—			—			983			983
Classified (7-9)			—			10			15			2			11			43			158			239
Total			15,703			9,947			4,666			2,532			1,026			7,740			132,834			174,448
Current Period Gross Charge Offs			58			63			33			23			2			888			6			1,073

Combined
Satisfactory (1-4)			401,228			550,604			288,404			1,171,537			649,028			1,075,501			232,669			4,368,971
Watch (5)			—			—			—			11,353			2,473			6,563			70			20,459
Special Mention (6)			—			—			—			—			24,762			9,020			983			34,765
Classified (7-9)			—			38			86			509			279			1,799			772			3,483
Total		$	401,228		$	550,642		$	288,490		$	1,183,399		$	676,542		$	1,092,883		$	234,494		$	4,427,678
Current Period Gross Charge Offs		$	58		$	63		$	33		$	44		$	26		$	1,032		$	50		$	1,306