LOANS AND ACL

Schedule of risk category of bank loans by year of origination

The following table sets forth the Company’s loan portfolio at June 30, 2026 and March 31, 2026 by risk attribute and year of origination as well as current period gross charge-offs (in thousands)


		June 30, 2026
		Term Loans Amortized Cost Basis by Origination Fiscal Year
																Total
														Revolving		Loans
		2027		2026		2025		2024		2023		Prior		Loans		Receivable

Commercial business
Risk rating
Pass		$	2,492	$	10,970	$	15,291	$	16,133	$	45,014	$	112,145	$	16,540	$	218,585
Special Mention			—		—		1,066		—		—		680		1,965		3,711
Substandard			—		—		119		—		—		487		—		606
Total commercial business		$	2,492	$	10,970	$	16,476	$	16,133	$	45,014	$	113,312	$	18,505	$	222,902
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate
Risk rating
Pass		$	670	$	76,602	$	46,718	$	39,441	$	46,813	$	324,784	$	—	$	535,028
Special Mention			—		2,509		—		2,546		10,419		32,099		—		47,573
Substandard			—		1,843		—		—		4,934		22,332		—		29,109
Total commercial real estate		$	670	$	80,954	$	46,718	$	41,987	$	62,166	$	379,215	$	—	$	611,710
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Land
Risk rating
Pass		$	101	$	12,075	$	596	$	—	$	—	$	197	$	199	$	13,168
Total land		$	101	$	12,075	$	596	$	—	$	—	$	197	$	199	$	13,168
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multi-family
Risk rating
Pass		$	1,594	$	13,610	$	1,003	$	917	$	38,190	$	46,700	$	—	$	102,014
Special Mention			—		—		—		—		274		471		—		745
Substandard			—		—		100		—		—		62		—		162
Doubtful			—		—		—		—		—		35		—		35
Total multi-family		$	1,594	$	13,610	$	1,103	$	917	$	38,464	$	47,268	$	—	$	102,956
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


		June 30, 2026
		Term Loans Amortized Cost Basis by Origination Fiscal Year
																	Total
														Revolving			Loans
		2027		2026		2025		2024		2023		Prior		Loans			Receivable

Real estate construction
Risk rating
Pass		$	6,591	$	14,067	$	1,002	$	—	$	—	$	—	$	—		$	21,660
Total real estate construction		$	6,591	$	14,067	$	1,002	$	—	$	—	$	—	$	—		$	21,660
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	—		$	—

Real estate one-to-four family
Risk rating
Pass		$	—	$	—	$	—	$	—	$	—	$	70,760	$	24,296		$	95,056
Total real estate one-to-four family		$	—	$	—	$	—	$	—	$	—	$	70,760	$	24,296		$	95,056
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	—		$	—

Other installment
Risk rating
Pass		$	879	$	13,711	$	10,458	$	219	$	156	$	51	$	373		$	25,847
Total other installment		$	879	$	13,711	$	10,458	$	219	$	156	$	51	$	373		$	25,847
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	—		$	—

Total loans receivable, gross
Risk rating
Pass		$	12,327	$	141,035	$	75,068	$	56,710	$	130,173	$	554,637	$	41,408		$	1,011,358
Special Mention			—		2,509		1,066		2,546		10,693		33,250		1,965			52,029
Substandard			—		1,843		219		—		4,934		22,881		—			29,877
Doubtful			—		—		—		—		—		35		—			35
Total loans receivable, gross		$	12,327	$	145,387	$	76,353	$	59,256	$	145,800	$	610,803	$	43,373		$	1,093,299
Total current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	—		$	—


		March 31, 2026
		Term Loans Amortized Cost Basis by Origination Fiscal Year
																Total
														Revolving		Loans
		2026		2025		2024		2023		2022		Prior		Loans		Receivable

Commercial business
Risk rating
Pass		$	6,270	$	15,664	$	16,776	$	46,668	$	77,604	$	38,064	$	13,459	$	214,505
Special Mention			—		1,253		—		—		404		—		3,039		4,696
Substandard			—		126		—		—		—		519		—		645
Total commercial business		$	6,270	$	17,043	$	16,776	$	46,668	$	78,008	$	38,583	$	16,498	$	219,846
Current YTD gross write-offs		$	—	$	—	$	—	$	398	$	—	$	—	$	1	$	399

Commercial real estate
Risk rating
Pass		$	70,158	$	46,935	$	40,035	$	56,434	$	132,992	$	216,215	$	—	$	562,769
Special Mention			2,296		237		2,560		6,230		2,598		23,132		—		37,053
Substandard			1,856		93		—		—		2,490		7,373		—		11,812
Total commercial real estate		$	74,310	$	47,265	$	42,595	$	62,664	$	138,080	$	246,720	$	—	$	611,634
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	911	$	—	$	911

Land
Risk rating
Pass		$	7,441	$	600	$	—	$	886	$	72	$	148	$	(4)	$	9,143
Total land		$	7,441	$	600	$	—	$	886	$	72	$	148	$	(4)	$	9,143
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multi-family
Risk rating
Pass		$	10,609	$	1,008	$	923	$	42,920	$	34,957	$	12,487	$	—	$	102,904
Special Mention			—		—		—		322		—		183		—		505
Substandard			—		100		—		—		17		52		—		169
Doubtful			—		—		—		—		—		36		—		36
Total multi-family		$	10,609	$	1,108	$	923	$	43,242	$	34,974	$	12,758	$	—	$	103,614
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


		March 31, 2026
		Term Loans Amortized Cost Basis by Origination Fiscal Year
																	Total
														Revolving			Loans
		2026		2025		2024		2023		2022		Prior		Loans			Receivable

Real estate construction
Risk rating
Pass		$	22,010	$	2,030	$	—	$	—	$	—	$	—	$	—		$	24,040
Total real estate construction		$	22,010	$	2,030	$	—	$	—	$	—	$	—	$	—		$	24,040
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	—		$	—

Real estate one-to-four family
Risk rating
Pass		$	—	$	—	$	—	$	—	$	54,684	$	18,140	$	23,867		$	96,691
Substandard			—		—		—		—		—		—		7			7
Total real estate one-to-four family		$	—	$	—	$	—	$	—	$	54,684	$	18,140	$	23,874		$	96,698
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	28	$	—		$	28

Other installment
Risk rating
Pass		$	14,912	$	11,641	$	240	$	177	$	34	$	34	$	471		$	27,509
Total other installment		$	14,912	$	11,641	$	240	$	177	$	34	$	34	$	471		$	27,509
Current YTD gross write-offs		$	—	$	—	$	—	$	—	$	—	$	—	$	18		$	18

Total loans receivable, gross
Risk rating
Pass		$	131,400	$	77,878	$	57,974	$	147,085	$	300,343	$	285,088	$	37,793		$	1,037,561
Special Mention			2,296		1,490		2,560		6,552		3,002		23,315		3,039			42,254
Substandard			1,856		319		—		—		2,507		7,944		7			12,633
Doubtful			—		—		—		—		—		36		—			36
Total loans receivable, gross		$	135,552	$	79,687	$	60,534	$	153,637	$	305,852	$	316,383	$	40,839		$	1,092,484
Total current YTD gross write-offs		$	—	$	—	$	—	$	398	$	—	$	939	$	19		$	1,356

Schedule of analysis of loans by aging category

The following tables present an analysis of loans by aging category at the dates indicated (in thousands):


											Total
					90 Days						Past
					Or						Due and						Total
		30-89 Days			More						Non-						Loans
June 30, 2026		Past Due			Past Due			Non-accrual			accrual			Current			Receivable

Commercial business		$	1,005		$	—		$	607		$	1,612		$	221,290		$	222,902
Commercial real estate			14,107			—			8,132			22,239			589,471			611,710
Land			—			—			—			—			13,168			13,168
Multi-family			—			—			—			—			102,956			102,956
Real estate construction			607			—			—			607			21,053			21,660
Consumer			117			—			—			117			120,786			120,903
Total		$	15,836		$	—		$	8,739		$	24,575		$	1,068,724		$	1,093,299

March 31, 2026

Commercial business		$	2,346		$	—		$	645		$	2,991		$	216,855		$	219,846
Commercial real estate			4,118			—			7,112			11,230			600,404			611,634
Land			—			—			—			—			9,143			9,143
Multi-family			—			—			—			—			103,614			103,614
Real estate construction			—			—			—			—			24,040			24,040
Consumer			44			—			7			51			124,156			124,207
Total		$	6,508		$	—		$	7,764		$	14,272		$	1,078,212		$	1,092,484