Loans Receivable and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2026

Loans Receivable and Allowance for Credit Losses [Abstract]



	June 30, 2026		December 31, 2025
		(In Thousands)
Residential one-to-four family	$	218,750	$	226,708
Commercial and multi-family ⁽¹⁾		2,009,865		2,040,768
Cannabis related ⁽²⁾		69,190		69,293
Construction ⁽¹⁾		33,298		68,521
Commercial business ^{(1) (3)}		157,523		168,459
Business express		68,949		74,862
Home equity ⁽⁴⁾		73,935		74,332
Consumer		3,401		3,580
		2,634,911		2,726,523

Less:
Deferred loan fees, net		(1,947)		(1,741)
Allowance for credit losses		(44,980)		(33,691)

Total Loans, net	$	2,587,984	$	2,691,091

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

Allowance for Credit Losses on loans

The following tables set forth the activity in the Company’s allowance for credit losses on loans for the three and six months ended June 30, 2026, and the related portion of the allowance for credit losses that is allocated to each loan class, as of June 30, 2026 (in thousands):


	Residential			Commercial & Multi-family ⁽¹⁾	Cannabis Related ⁽²⁾		Construction ⁽¹⁾		Commercial Business ⁽¹⁾⁽³⁾		Business Express		Home Equity ⁽⁴⁾		Consumer		Total
Allowance for credit losses:
Beginning Balance, April 1, 2026	$	1,776	$	12,633	$	1,467	$	695	$	5,248	$	10,110	$	634	$	15	$	32,578

Charge-offs		-		(94)		-		-		(6,331)		(1,064)		-		-		(7,489)
Recoveries		-		-		-		-		514		390		-		-		904
Provision (benefit)		128		1,420		27		(353)		16,661		1,041		63		-		18,987
Ending Balance, June 30, 2026		1,904		13,959		1,494		342		16,092		10,477		697		15		44,980

Ending Balance attributable to loans:
Individually evaluated		-		3,163		-		-		1,355		579		-		-		5,097
Collectively evaluated		1,904		10,796		1,494		342		14,737		9,898		697		15		39,883
Ending Balance, June 30, 2026		1,904		13,959		1,494		342		16,092		10,477		697		15		44,980

Loans Receivables:
Individually evaluated		900		114,848		-		2,587		5,745		579		173		-		124,832
Collectively evaluated		217,850		1,895,017		69,190		30,711		151,778		68,370		73,762		3,401		2,510,079
Total Gross Loans:	$	218,750	$	2,009,865	$	69,190	$	33,298	$	157,523	$	68,949	$	73,935	$	3,401	$	2,634,911

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.


	Residential			Commercial & Multi-family ⁽¹⁾	Cannabis Related ⁽²⁾		Construction ⁽¹⁾		Commercial Business ⁽¹⁾⁽³⁾			Business Express		Home Equity⁽⁴⁾	Consumer		Total
Allowance for credit losses:
Beginning Balance, January 1, 2026	$	1,776	$	12,057	$	1,477	$	668	$	6,676	$	10,390	$	632	$	15	$	33,691

Charge-offs		(2)		(2,699)		-		-		(7,305)		(1,598)		-		-		(11,604)
Recoveries		-		-		-		-		664		454		-		-		1,118
Provision (benefit)		130		4,601		17		(326)		16,057		1,231		65		-		21,775
Ending Balance, June 30, 2026	$	1,904	$	13,959	$	1,494	$	342	$	16,092	$	10,477	$	697	$	15	$	44,980

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

The increase in the allowance for credit losses on loans during the three and six months ended June 30, 2026 is primarily due to additional reserves with the commercial business segment as a result of continued credit deterioration.

‎

Note 7 - Loans Receivable and Allowance for Credit Losses (Continued)

The following tables set forth the activity in the Company’s allowance for credit losses on loans for the three and six months ended June 30, 2025, and the related portion of the allowance for credit losses that is allocated to each loan class, as of June 30, 2025 (in thousands):


	Residential			Commercial & Multi-family ⁽¹⁾	Cannabis Related ⁽²⁾		Construction⁽¹⁾		Commercial Business ⁽¹⁾⁽³⁾		Business Express		Home Equity ⁽⁴⁾		Consumer		Total
Allowance for credit losses:
Beginning Balance, April 1, 2025	$	1,790	$	10,076	$	14,836	$	1,544	$	11,763	$	10,882	$	579	$	14	$	51,484

Charge-offs		-		(85)		-		-		(1,830)		(4,115)		-		-		(6,030)
Recoveries		9		-		-		-		2		302		-		-		313
Provision (benefit)		38		2,428		16		363		(1,037)		3,024		56		3		4,891
Ending Balance, June 30, 2025		1,837		12,419		14,852		1,907		8,898		10,093		635		17		50,658

Ending Balance attributable to loans:
Individually evaluated		-		2,143		13,714		-		4,071		4,436		-		-		24,364
Collectively evaluated		1,837		10,276		1,138		1,907		4,827		5,657		635		17		26,294
Ending Balance, June 30, 2025		1,837		12,419		14,852		1,907		8,898		10,093		635		17		50,658

Loans Receivables:
Individually evaluated		1,142		97,044		33,512		2,048		14,559		4,436		687		-		153,428
Collectively evaluated		229,775		1,991,073		69,495		109,322		210,241		77,085		70,900		2,075		2,759,966
Total Gross Loans:	$	230,917	$	2,088,117	$	103,007	$	111,370	$	224,800	$	81,521	$	71,587	$	2,075	$	2,913,394

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.


	Residential			Commercial & Multi-family ⁽¹⁾	Cannabis Related ⁽²⁾		Construction ⁽¹⁾		Commercial Business ⁽¹⁾⁽³⁾			Business Express		Home Equity⁽⁴⁾	Consumer		Total
Allowance for credit losses:
Beginning Balance, January 1, 2025	$	1,947	$	10,451	$	1,613	$	1,902	$	10,497	$	7,769	$	594	$	16	$	34,789

Charge-offs		-		(340)		-		-		(1,848)		(8,040)		-		-		(10,228)
Recoveries		34		-		-		-		4		323		-		-		361
Provision (benefit)		(144)		2,308		13,239		5		245		10,041		41		1		25,736
Ending Balance, June 30, 2025	$	1,837	$	12,419	$	14,852	$	1,907	$	8,898	$	10,093	$	635	$	17	$	50,658

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

Note 7 - Loans Receivable and Allowance for Credit Losses (Continued)

The following table sets forth the activity in the allowance for credit losses on loans and amount recorded in loans receivable at and for the year ended December 31, 2025. The table also details the amount of total loans receivable that are evaluated individually and collectively, and the related portion of the allowance for credit losses that is allocated to each loan class (in thousands):


	Residential			Commercial & Multi-family⁽¹⁾	Cannabis Related ⁽²⁾		Construction ⁽¹⁾		Commercial ‎Business^{(1) (3)}		Business Express		Home Equity ⁽⁴⁾		Consumer		Total
Allowance for credit losses:
Beginning Balance, January 1, 2025	$	1,947	$	10,451	$	1,613	$	1,902	$	10,497	$	7,769	$	594	$	16	$	34,789

Charge-offs		-		(1,183)		(12,756)		-		(19,457)		(11,328)		-		-		(44,724)
Recoveries		75		-		-		-		7		1,533		-		-		1,615
Provision (benefit)		(246)		2,789		12,620		(1,234)		15,629		12,416		38		(1)		42,011
Ending Balance, December 31, 2025	$	1,776	$	12,057	$	1,477	$	668	$	6,676	$	10,390	$	632	$	15	$	33,691

Ending Balance attributable to loans:
Individually evaluated	$	-	$	2,657	$	-	$	-	$	2,938	$	998	$	-	$	-	$	6,593
Collectively evaluated		1,776		9,400		1,477		668		3,738		9,392		632		15		27,098
Ending Balance, December 31, 2025	$	1,776	$	12,057	$	1,477	$	668	$	6,676	$	10,390	$	632	$	15	$	33,691

Loans Receivables:
Individually evaluated	$	1,392	$	130,581	$	-	$	18,888	$	10,073	$	998	$	294	$	-	$	162,226
Collectively evaluated		225,316		1,910,187		69,293		49,633		158,386		73,864		74,038		3,580		2,564,297
Total Gross Loans:	$	226,708	$	2,040,768	$	69,293	$	68,521	$	168,459	$	74,862	$	74,332	$	3,580	$	2,726,523

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

Allowance for Credit Losses on Off-Balance Sheet Exposures


	Three Months Ended June 30,
		2026		2025		2024
	(In thousands)
Allowance for Credit Losses:
Beginning balance at January 1	$	410	$	703	$	759
Benefit for credit losses		(124)		(16)		(156)
Ending balance at June 30	$	286	$	687	$	603


	Six Months Ended June 30,
		2026		2025		2024
	(In thousands)
Allowance for Credit Losses:
Beginning balance at January 1	$	830	$	813	$	694
Benefit for credit losses		(544)		(126)		(91)
Ending balance at June 30	$	286	$	687	$	603

Delinquency Status of Total Loans

The following table sets forth the delinquency status of total loans receivable as of June 30, 2026:



					Greater Than
	30-59 Days		60-90 Days		90 Days		Total Past				Total Loans
	Past Due		Past Due		Past Due		Due		Current		Receivable
		(In Thousands)

Residential one-to-four family	$	5,073	$	-	$	302	$	5,375	$	213,375	$	218,750
Commercial and multi-family ⁽¹⁾		46,447		6,112		47,391		99,950		1,909,915		2,009,865
Cannabis related⁽²⁾		-		-		-		-		69,190		69,190
Construction ⁽¹⁾ ⁽⁵⁾		-		-		2,587		2,587		30,711		33,298
Commercial business ^{(1) (3)}		2,703		2,747		4,781		10,231		147,292		157,523
Business express		2,391		97		-		2,488		66,461		68,949
Home equity ⁽⁴⁾		1,828		51		159		2,038		71,897		73,935
Consumer		-		90		-		90		3,311		3,401
Total	$	58,442	$	9,097	$	55,220	$	122,759	$	2,512,152	$	2,634,911

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

(5) Excludes Held for sale loans.

The following table sets forth the delinquency status of total loans receivable at December 31, 2025:



					Greater Than
	30-59 Days		60-90 Days		90 Days		Total Past				Total Loans
	Past Due		Past Due		Past Due		Due		Current		Receivable
		(In Thousands)

Residential one-to-four family	$	4,342	$	279	$	594	$	5,215	$	221,493	$	226,708
Commercial and multi-family ⁽¹⁾		17,600		3,296		51,979		72,875		1,967,893		2,040,768
Cannabis related ⁽²⁾		-		-		-		-		69,293		69,293
Construction ⁽¹⁾		-		-		4,897		4,897		63,624		68,521
Commercial business ^{(1) (3)}		8,583		1,041		2,975		12,599		155,860		168,459
Business express		1,961		-		-		1,961		72,901		74,862
Home equity ⁽⁴⁾		1,289		65		231		1,585		72,747		74,332
Consumer		-		-		-		-		3,580		3,580
Total	$	33,775	$	4,681	$	60,676	$	99,132	$	2,627,391	$	2,726,523

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

‎

Amortized Cost Basis Of Loans To Borrowers


	For the Three Months Ended June 30, 2026
	(In Thousands)
	Number		Payment Delay		Term Extension		Rate Reduction & Term Extension		Total Principal	% of Total Class of Financing Receivable
Residential one-to-four family	1	$	-	$	-	$	135	$	135	0.06	%
Total loans	1	$	-	$	-	$	135	$	135


	For the Six Months Ended June 30, 2026
	(In Thousands)
	Number		Payment Delay		Term Extension		Rate Reduction & Term Extension		Total Principal	% of Total Class of Financing Receivable
Residential one-to-four family	1	$	-	$	-	$	135	$	135	0.06	%
Total loans	1	$	-	$	-	$	135	$	135


	For the Six Months Ended June 30, 2026
	(In Thousands)
		Current		30-59 Days Past Due		60-90 Days Past Due		Non-accrual		Total
Residential one-to-four family	$	135	$	-	$	-	$	-	$	135
Total	$	135	$	-	$	-	$	-	$	135


	For the Three Months Ended June 30, 2025
	(In Thousands)
	Number		Payment Delay		Term Extension		Rate Reduction & Term Extension		Total Principal	% of Total Class of Financing Receivable
Commercial & multi-family	1	$	-	$	25,756	$	-	$	25,756	1.23	%
Commercial business	2		-		-		357		357	0.16
Business express	23		-		5,083		-		5,083	6.24	%
Total loans	26	$	-	$	30,839	$	357	$	31,196


	For the Six Months Ended June 30, 2025
	(In Thousands)
	Number		Payment Delay		Term Extension		Rate Reduction & Term Extension		Total Principal	% of Total Class of Financing Receivable
Commercial & multi-family	1	$	-	$	25,756	$	-	$	25,756	1.23	%
Commercial business	5		-		995		357		1,352	0.60
Business express	86		-		20,106		-		20,106	24.66	%
Total loans	92	$	-	$	46,857	$	357	$	47,214


	For the Six Months Ended June 30, 2025
	(In Thousands)
		Current		30-59 Days Past Due		60-90 Days Past Due		Non-accrual		Total
Commercial & multi-family	$	25,756	$	-	$	-	$	-	$	25,756
Commercial business		995		-		-		357		1,352
Business express		18,504		249		463		890		20,106
Total	$	45,255	$	249	$	463	$	1,247	$	47,214

Non-Accruing Loans

As of June 30, 2026 and December 31, 2025, non-accrual loans differed from total loans past due 90 days or more because loans that were previously more than 90 days past due are maintained on non-accrual status for a minimum of six months or until the borrower has demonstrated their ability to satisfy the terms of the loan.


	As of June 30, 2026
	(in Thousands)
		Nonaccrual loans with an Allowance for Credit Losses		Nonaccrual loans without an Allowance for Credit Losses		Total Nonaccrual loans		Amortized Cost of Loans Past due 90 and Still Accruing
Residential one-to-four family	$	-	$	1,515	$	1,515	$	-
Commercial and multi-family ⁽¹⁾		2,859		51,619		54,478		-
Cannabis related ⁽²⁾		-		-		-		-
Construction ⁽¹⁾ ⁽⁵⁾		-		13,364		13,364		-
Commercial business ^{(1) (3)}		439		1,958		2,397		2,488
Business express loans		-		-		-		-
Home equity ⁽⁴⁾		-		257		257		-
Consumer		-		-		-		-
Total	$	3,298	$	68,713	$	72,011	$	2,488

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

(5) Includes Held for sale loan.


	As of December 31, 2025
	(in Thousands)
		Nonaccrual loans with an Allowance for Credit Losses		Nonaccrual loans without an Allowance for Credit Losses		Total Nonaccrual loans		Amortized Cost of Loans Past Due 90 Days and Still Accruing
Residential one-to-four family	$	-	$	1,554	$	1,554	$	-
Commercial and multi-family ⁽¹⁾		2,500		49,659		52,159		-
Cannabis related ⁽²⁾		-		-		-		-
Construction ⁽¹⁾		-		4,897		4,897		-
Commercial business ^{(1) (3)}		1,660		2,065		3,725		-
Business express		626		-		626		-
Home equity ⁽⁴⁾		-		294		294		-
Total	$	4,786	$	58,469	$	63,255	$	-

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

Loan Portfolio by Pass Rating


Loans by Year of Origination at June 30, 2026
		2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans to Term Loans		Total
Residential one-to-four family
Pass	$	3,985	$	9,198	$	11,805	$	14,041	$	42,485	$	134,060	$	-	$	-	$	215,574
Special Mention		-		-		-		-		-		1,322		-		-		1,322
Substandard		-		-		-		-		-		1,854		-		-		1,854
Total one-to-four family	$	3,985	$	9,198	$	11,805	$	14,041	$	42,485	$	137,236	$	-	$	-	$	218,750

Commercial and multi-family ⁽¹⁾
Pass	$	80,992	$	49,326	$	7,229	$	178,775	$	549,091	$	861,021	$	-	$	-	$	1,726,434
Special Mention		-		-		-		-		79,291		54,560		8,500		-		142,351
Substandard		-		-		-		956		62,075		77,909		140		-		141,080
Total Commercial and multi-family	$	80,992	$	49,326	$	7,229	$	179,731	$	690,457	$	993,490	$	8,640	$	-	$	2,009,865

Cannabis related ⁽²⁾
Pass	$	-	$	-	$	-	$	-	$	9,361	$	9,861	$	7,801	$	-	$	27,023
Special Mention		-		-		-		18,769		16,236		6,162		1,000		-		42,167
Substandard		-		-		-		-		-		-		-		-		-
Total Cannabis related	$	-	$	-	$	-	$	18,769	$	25,597	$	16,023	$	8,801	$	-	$	69,190

Construction ⁽¹⁾
Pass	$	3,394	$	1,003	$	2,003	$	12,283	$	214	$	4,403	$	4,603	$	-	$	27,903
Special Mention		2,808		-		-		-		-		-		-		-		2,808
Substandard		-		-		-		-		-		2,587		-		-		2,587
Total Construction	$	6,202	$	1,003	$	2,003	$	12,283	$	214	$	6,990	$	4,603	$	-	$	33,298

Commercial business^{(1) (3)}
Pass	$	3,398	$	-	$	7,160	$	1,977	$	4,799	$	19,479	$	92,478	$	-	$	129,291
Special Mention		-		-		-		-		-		3,475		10,660		-		14,135
Substandard		-		-		-		-		-		4,472		9,625		-		14,097
Total Commercial business	$	3,398	$	-	$	7,160	$	1,977	$	4,799	$	27,426	$	112,763	$	-	$	157,523

Business express
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	64,927	$	64,927
Special Mention		-		-		-		-		-		-		-		3,443		3,443
Substandard		-		-		-		-		-		-		-		579		579
Total Business express	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	68,949	$	68,949

Home equity ⁽⁴⁾
Pass	$	528	$	1,502	$	123	$	3,043	$	1,179	$	4,488	$	58,301	$	3,763	$	72,927
Special Mention		-		-		-		-		-		43		708		-		751
Substandard		-		-		-		-		12		95		-		150		257
Total Home equity	$	528	$	1,502	$	123	$	3,043	$	1,191	$	4,626	$	59,009	$	3,913	$	73,935

Consumer
Pass	$	1,229	$	1,200	$	225	$	402	$	264	$	73	$	8	$	-	$	3,401
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Total Consumer	$	1,229	$	1,200	$	225	$	402	$	264	$	73	$	8	$	-	$	3,401

Total Pass	$	93,526	$	62,229	$	28,545	$	210,521	$	607,393	$	1,033,385	$	163,191	$	68,690	$	2,267,480
Total Special Mention	$	2,808	$	-	$	-	$	18,769	$	95,527	$	65,562	$	20,868	$	3,443	$	206,977
Total Substandard	$	-	$	-	$	-	$	956	$	62,087	$	86,917	$	9,765	$	729	$	160,454
Total Loans	$	96,334	$	62,229	$	28,545	$	230,246	$	765,007	$	1,185,864	$	193,824	$	72,862	$	2,634,911
Gross charge-offs	$	-	$	-	$	-	$	-	$	668	$	2,067	$	6,929	$	1,940	$	11,604

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

Note 7 - Loans Receivable and Allowance for Credit Losses (Continued)

The following table summarizes the Company's loans by year of origination and internally assigned credit risk rating and gross charge-offs for the year ended December 31, 2025.


Loans by Year of Origination at December 31, 2025
		2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans to Term Loans		Total
Residential one-to-four family
Pass	$	10,255	$	11,887	$	15,164	$	43,691	$	33,586	$	107,069	$	-	$	-	$	221,652
Special Mention		-		-		-		1,802		910		790		-		-		3,502
Substandard		-		-		-		-		445		1,109		-		-		1,554
Total one-to-four family	$	10,255	$	11,887	$	15,164	$	45,493	$	34,941	$	108,968	$	-	$	-	$	226,708

Commercial and multi-family ⁽¹⁾
Pass	$	50,098	$	8,293	$	184,486	$	613,331	$	151,205	$	773,732	$	8,760	$	-	$	1,789,905
Special Mention		-		-		-		28,029		11,307		58,141		140		-		97,617
Substandard		-		-		1,633		68,011		18,795		64,807		-		-		153,246
Total Commercial and multi-family	$	50,098	$	8,293	$	186,119	$	709,371	$	181,307	$	896,680	$	8,900	$	-	$	2,040,768

Cannabis related ⁽²⁾
Pass	$	-	$	-	$	-	$	8,385	$	2,067	$	7,958	$	8,050	$	-	$	26,460
Special Mention		-		-		18,981		17,552		5,442		-		858		-		42,833
Substandard		-		-		-		-		-		-		-		-		-
Total Cannabis related	$	-	$	-	$	18,981	$	25,937	$	7,509	$	7,958	$	8,908	$	-	$	69,293

Construction ⁽¹⁾
Pass	$	917	$	2,004	$	15,752	$	19,460	$	4,403	$	-	$	4,803	$	-	$	47,339
Special Mention		-		-		2,294		-		-		-		-		-		2,294
Substandard		-		-		-		15,715		2,587		586		-		-		18,888
Total Construction	$	917	$	2,004	$	18,046	$	35,175	$	6,990	$	586	$	4,803	$	-	$	68,521

Commercial business ^{(1) (3)}
Pass	$	-	$	7,388	$	1,995	$	4,829	$	1,039	$	24,455	$	93,029	$	-	$	132,735
Special Mention		-		-		-		-		1,458		2,358		18,153		-		21,969
Substandard		-		-		-		-		-		2,047		11,708		-		13,755
Total Commercial business	$	-	$	7,388	$	1,995	$	4,829	$	2,497	$	28,860	$	122,890	$	-	$	168,459

Business express
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$		$	71,843	$	71,843
Special Mention		-		-		-		-		-		-				2,021		2,021
Substandard		-		-		-		-		-		-		397		601		998
Total Business express	$	-	$	-	$	-	$	-	$	-	$	-	$	397	$	74,465	$	74,862

Home equity ⁽⁴⁾
Pass	$	1,796	$	164	$	3,293	$	1,246	$	396	$	4,914	$	57,357	$	4,319	$	73,485
Special Mention		-		-		-		-		-		42		511		-		553
Substandard		-		-		-		-		-		114		30		150		294
Total Home equity	$	1,796	$	164	$	3,293	$	1,246	$	396	$	5,070	$	57,898	$	4,469	$	74,332

Consumer
Pass	$	1,824	$	272	$	1,106	$	290	$	2	$	80	$	6	$	-	$	3,580
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Total Consumer	$	1,824	$	272	$	1,106	$	290	$	2	$	80	$	6	$	-	$	3,580

Total Pass	$	64,890	$	30,008	$	221,796	$	691,232	$	192,698	$	918,208	$	172,005	$	76,162	$	2,366,999
Total Special Mention	$	-	$	-	$	21,275	$	47,383	$	19,117	$	61,331	$	19,662	$	2,021	$	170,789
Total Substandard	$	-	$	-	$	1,633	$	83,726	$	21,827	$	68,663	$	12,135	$	751	$	188,735
Total Loans	$	64,890	$	30,008	$	244,704	$	822,341	$	233,642	$	1,048,202	$	203,802	$	78,934	$	2,726,523
Gross charge-offs	$	-	$	-	$	-	$	12,836	$	282	$	3,848	$	18,166	$	9,592	$	44,724

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.