For the Three Months Ended

For the Six Months Ended

June 30,

2026

2025

a

2026

2025

(Dollars in thousands, except share and per share amounts)

Net income applicable to common stock

$

3,484

$

6,451

$

8,774

$

12,214

Average number of common shares outstanding

24,674,765

25,204,671

24,701,539

25,424,796

Less: Average unallocated ESOP shares

642,820

693,735

649,184

700,100

Weighted-average number of common shares outstanding - basic

24,031,945

24,510,936

24,052,355

24,724,696

Add: Effect of dilutive stock options and restricted stock

299,104

56,392

273,366

52,605

Weighted-average number of common shares outstanding - diluted

24,331,049

24,567,328

24,325,721

24,777,301

Net earnings per common share:

Basic

$

0.14

$

0.26

$

0.36

$

0.49

Diluted

$

0.14

$

0.26

$

0.36

$

0.49