| Schedule of allowances for credit losses |
| | | | | | | | | | | | | | | | | | | | | | | | | | | Multifamily | | | | | | | | | | | | | | | | | | Single | | and non- | | Construction | | Second | | | | | | | | | | | | Family | | residential | | and Land | | Mortgage | | Commercial | | Consumer | | Total | Three Months Ended June 30, 2026 | | | | | | | | | | | | | | | | | | | | | | Allowance for credit losses: Balance, April 1, 2026 | | $ | 232,710 | | $ | 102,474 | | $ | 10,230 | | $ | 446 | | $ | 18,957 | | $ | 72,169 | | $ | 436,986 | Provision for credit losses | | | 5,308 | | | (1,969) | | | 1,946 | | | (9) | | | (3,979) | | | (1,297) | | | — | Charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Recoveries | | | 1,609 | | | — | | | — | | | — | | | — | | | — | | | 1,609 | Balance, June 30, 2026 | | $ | 239,627 | | $ | 100,505 | | $ | 12,176 | | $ | 437 | | $ | 14,978 | | $ | 70,872 | | $ | 438,595 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Multifamily | | | | | | | | | | | | | | | | | | Single | | and non- | | Construction | | Second | | | | | | | | | | | | Family | | residential | | and Land | | Mortgage | | Commercial | | Consumer | | Total | Three Months Ended June 30, 2025 | | | | | | | | | | | | | | | | | | | | | | Allowance for credit losses: Balance, April 1, 2025 | | $ | 226,194 | | $ | 81,139 | | | 6,050 | | $ | 534 | | $ | 26,865 | | $ | 13,877 | | $ | 354,659 | Provision for credit losses | | | (28,261) | | | (2,849) | | | 391 | | | (122) | | | (8,403) | | | 52,184 | | | 12,940 | Charge-offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Recoveries | | | 2,828 | | | — | | | — | | | — | | | — | | | — | | | 2,828 | Balance, June 30, 2025 | | $ | 200,761 | | $ | 78,290 | | $ | 6,441 | | $ | 412 | | $ | 18,462 | | $ | 66,061 | | $ | 370,427 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | Multifamily | | | | | | | | | | | | | | | | | | Single | | and non- | | Construction | | Second | | | | | | | | | | | | Family | | residential | | and Land | | Mortgage | | Commercial | | Consumer | | Total | Six Months Ended June 30, 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 | | | 12,586 | | | 1,982 | | | (23) | | | (69) | | | (5,207) | | | (9,269) | | | — | Charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Recoveries | | | 2,920 | | | — | | | — | | | — | | | — | | | — | | | 2,920 | Balance, June 30, 2026 | | $ | 239,627 | | $ | 100,505 | | $ | 12,176 | | $ | 437 | | $ | 14,978 | | $ | 70,872 | | $ | 438,595 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Multifamily | | | | | | | | | | | | | | | | | | Single | | and non- | | Construction | | Second | | | | | | | | | | | | Family | | residential | | and Land | | Mortgage | | Commercial | | Consumer | | Total | Six Months Ended June 30, 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 | | | (31,459) | | | (5,609) | | | 2,424 | | | 144 | | | (7,203) | | | 54,643 | | | 12,940 | Charge-offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Recoveries | | | 5,650 | | | — | | | — | | | — | | | — | | | — | | | 5,650 | Balance, June 30, 2025 | | $ | 200,761 | | $ | 78,290 | | $ | 6,441 | | $ | 412 | | $ | 18,462 | | $ | 66,061 | | $ | 370,427 |
| | | | | | | | | | | | | | | Three Months Ended | | Six Months Ended | | | June 30, | | June 30, | | | | 2026 | | | 2025 | | | 2026 | | | 2025 | Allowance for credit losses for unfunded loan commitments: | | | | | | | | | | | | | Beginning Balance | | $ | 5,073 | | $ | 9,412 | | $ | 5,073 | | $ | 9,412 | Provision (credit) | | | — | | | — | | | — | | | — | Ending Balance | | $ | 5,073 | | $ | 9,412 | | $ | 5,073 | | $ | 9,412 |
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| Schedule of loans by grading category and year |
| | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Revolving | | Total | Single family | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 2,293,126 | | $ | 5,828,052 | | $ | 3,184,041 | | $ | 3,606,281 | | $ | 6,092,035 | | $ | 20,417,883 | | $ | — | | $ | 41,421,418 | Special mention | | | — | | | — | | | — | | | — | | | — | | | 36,418 | | | — | | | 36,418 | Substandard | | | — | | | — | | | — | | | — | | | — | | | 73,528 | | | — | | | 73,528 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 2,293,126 | | $ | 5,828,052 | | $ | 3,184,041 | | $ | 3,606,281 | | $ | 6,092,035 | | $ | 20,527,829 | | $ | — | | $ | 41,531,364 | Gross charge offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Multifamily and nonresidential | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 398,990 | | $ | 5,649,532 | | $ | 1,320,729 | | $ | 723,788 | | $ | 4,330,762 | | $ | 8,678,464 | | $ | 795,559 | | $ | 21,897,824 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 398,990 | | $ | 5,649,532 | | $ | 1,320,729 | | $ | 723,788 | | $ | 4,330,762 | | $ | 8,678,464 | | $ | 795,559 | | $ | 21,897,824 | Gross charge offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Construction and land | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | — | | $ | 1,958,171 | | $ | — | | $ | 300,782 | | $ | 65,463 | | $ | 334,219 | | $ | — | | $ | 2,658,635 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | — | | $ | 1,958,171 | | $ | — | | $ | 300,782 | | $ | 65,463 | | $ | 334,219 | | $ | — | | $ | 2,658,635 | Gross charge offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Second mortgage | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | — | | $ | 52,993 | | $ | — | | $ | 23,862 | | $ | — | | $ | 17,661 | | $ | 3,739,357 | | $ | 3,833,873 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | — | | $ | 52,993 | | $ | — | | $ | 23,862 | | $ | — | | $ | 17,661 | | $ | 3,739,357 | | $ | 3,833,873 | Gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 222,572 | | $ | 383,040 | | $ | 719,469 | | $ | 928,039 | | $ | 1,055,341 | | $ | 637,687 | | $ | 3,256,001 | | $ | 7,202,149 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 222,572 | | $ | 383,040 | | $ | 719,469 | | $ | 928,039 | | $ | 1,055,341 | | $ | 637,687 | | $ | 3,256,001 | | $ | 7,202,149 | Gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer loans | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 1,425,346 | | $ | 12,570,873 | | $ | 1,387,440 | | $ | — | | $ | — | | $ | 22,862 | | $ | — | | $ | 15,406,521 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 1,425,346 | | $ | 12,570,873 | | $ | 1,387,440 | | $ | — | | $ | — | | $ | 22,862 | | $ | — | | $ | 15,406,521 | 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 | | $ | 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 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | 90 Days | | | | | | | | | | | | 30-59 Days | | 60-89 Days | | or | | Total | | | | | | | | | Past Due | | Past Due | | Greater | | Past Due | | Current | | Total | June 30, 2026 | | | | | | | | | | | | | | | | | | | Mortgage loans on real estate: | | | | | | | | | | | | | | | | | | | Single family | | $ | 63,922 | | $ | — | | $ | 47,584 | | $ | 111,506 | | $ | 41,419,858 | | $ | 41,531,364 | Multifamily and nonresidential | | | — | | | — | | | — | | | — | | | 21,897,824 | | | 21,897,824 | Construction and land | | | — | | | — | | | — | | | — | | | 2,658,635 | | | 2,658,635 | Second mortgage | | | — | | | — | | | — | | | — | | | 3,833,873 | | | 3,833,873 | Commercial | | | — | | | — | | | — | | | — | | | 7,202,149 | | | 7,202,149 | Consumer | | | — | | | — | | | — | | | — | | | 15,406,521 | | | 15,406,521 | Total | | $ | 63,922 | | $ | — | | $ | 47,584 | | $ | 111,506 | | $ | 92,418,860 | | $ | 92,530,366 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | 90 Days | | | | | | | | | | | | 30-59 Days | | 60-89 Days | | or | | Total | | | | | | | | | Past Due | | Past Due | | Greater | | 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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