The following tables present the balance of the allowance for credit losses (“ACL”) at June 30, 2026 and 2025. The balance of the ACL is based on the CECL methodology, as noted above. The tables identify the valuation allowances attributable to specifically identified impairments on individually analyzed loans, including those acquired with deteriorated credit quality, as well as valuation allowances for impairments on loans collectively evaluated. The tables include the underlying balance of loans receivable applicable to each category as of those dates.


	Allowance for Credit Losses June 30, 2026
	Loans acquired with deteriorated credit quality individually analyzed		Loans acquired with deteriorated credit quality collectively evaluated		Loans individually analyzed		Loans collectively evaluated		Total allowance for credit losses
	(In Thousands)
Multi-family mortgage	$	—	$	—	$	1,054	$	21,507	$	22,561
Nonresidential mortgage	—		13		—		7,817		7,830
Commercial and industrial	—		1		17		2,873		2,891
Construction	—		—		—		1,850		1,850
One- to four-family residential mortgage	—		59		86		9,439		9,584
Home equity loans	—		—		—		675		675
Other consumer	—		—		—		105		105
Total loans	$	—	$	73	$	1,157	$	44,266	$	45,496


	Balance of Loans Receivable June 30, 2026
	Loans acquired with deteriorated credit quality individually analyzed		Loans acquired with deteriorated credit quality collectively evaluated		Loans individually analyzed		Loans collectively evaluated		Total loans
	(In Thousands)
Multi-family mortgage	$	—	$	—	$	36,880	$	2,463,014	$	2,499,894
Nonresidential mortgage	203		1,007		157		1,018,078		1,019,445
Commercial and industrial	—		94		462		223,371		223,927
Construction	—		5,735		2,755		254,710		263,200
One- to four-family residential mortgage	809		2,838		6,513		1,779,705		1,789,865
Home equity loans	8		—		109		79,727		79,844
Other consumer	—		—		—		2,387		2,387
Total loans	$	1,020	$	9,674	$	46,876	$	5,820,992	$	5,878,562
Unaccreted yield adjustments									(3,237)
Loans receivable, net of yield adjustments									$	5,875,325


	Allowance for Credit Losses June 30, 2025
	Loans acquired with deteriorated credit quality individually analyzed		Loans acquired with deteriorated credit quality collectively evaluated		Loans individually analyzed		Loans collectively evaluated		Total allowance for credit losses
	(In Thousands)
Multi-family mortgage	$	—	$	—	$	1,377	$	23,529	$	24,906
Nonresidential mortgage	—		20		—		6,918		6,938
Commercial and industrial	—		23		971		1,434		2,428
Construction	—		—		—		1,155		1,155
One- to four-family residential mortgage	34		87		60		9,999		10,180
Home equity loans	11		—		32		447		490
Other consumer	—		—		—		94		94
Total loans	$	45	$	130	$	2,440	$	43,576	$	46,191


	Balance of Loans Receivable June 30, 2025
	Loans acquired with deteriorated credit quality individually analyzed		Loans acquired with deteriorated credit quality collectively evaluated		Loans individually analyzed		Loans collectively evaluated		Total loans
	(In Thousands)
Multi-family mortgage	$	—	$	—	$	30,857	$	2,678,797	$	2,709,654
Nonresidential mortgage	240		1,405		5,523		979,388		986,556
Commercial and industrial	—		1,093		2,223		135,439		138,755
Construction	—		5,735		—		171,978		177,713
One- to four-family residential mortgage	614		3,551		5,936		1,738,490		1,748,591
Home equity loans	21		—		183		50,533		50,737
Other consumer	—		—		—		2,533		2,533
Total loans	$	875	$	11,784	$	44,722	$	5,757,158	$	5,814,539
Unaccreted yield adjustments									(1,602)
Loans receivable, net of yield adjustments									$	5,812,937


	Changes in the Allowance for Credit Losses Year Ended June 30, 2026
	Balance at June 30, 2025		Charge-offs		Recoveries		Provision for (reversal of) credit losses		Balance at June 30, 2026
	(In Thousands)
Multi-family mortgage	$	24,906	$	(1,208)	$	—	$	(1,137)	$	22,561
Nonresidential mortgage	6,938		(5)		—		897		7,830
Commercial and industrial	2,428		(1,259)		118		1,604		2,891
Construction	1,155		—		—		695		1,850
One- to four-family residential mortgage	10,180		(47)		19		(568)		9,584
Home equity loans	490		(11)		—		196		675
Other consumer	94		—		—		11		105
Total loans	$	46,191	$	(2,530)	$	137	$	1,698	$	45,496


	Changes in the Allowance for Credit Losses Year Ended June 30, 2025
	Balance at June 30, 2024		Charge-offs		Recoveries		Provision for (reversal of) credit losses		Balance at June 30, 2025
	(In Thousands)
Multi-family mortgage	$	24,125	$	—	$	—	$	781	$	24,906
Nonresidential mortgage	6,125		(830)		—		1,643		6,938
Commercial and industrial	1,573		(295)		20		1,130		2,428
Construction	1,230		—		—		(75)		1,155
One- to four-family residential mortgage	11,461		(2)		2		(1,281)		10,180
Home equity loans	349		(2)		—		143		490
Other consumer	76		(7)		—		25		94
Total loans	$	44,939	$	(1,136)	$	22	$	2,366	$	46,191


	Changes in the Allowance for Credit Losses Year Ended June 30, 2024
	Balance at June 30, 2023		Charge-offs		Recoveries		Provision for (reversal of) credit losses		Balance at June 30, 2024
	(In Thousands)
Multi-family mortgage	$	26,362	$	(398)	$	—	$	(1,839)	$	24,125
Nonresidential mortgage	8,953		(5,975)		120		3,027		6,125
Commercial and industrial	1,440		(3,866)		22		3,977		1,573
Construction	1,336		—		—		(106)		1,230
One- to four-family residential mortgage	10,237		(37)		113		1,148		11,461
Home equity loans	338		—		—		11		349
Other consumer	68		—		—		8		76
Total loans	$	48,734	$	(10,276)	$	255	$	6,226	$	44,939

The following table presents the activity in the ACL on off balance sheet commitments recorded in other non-interest expense for the years ended June 30, 2026, 2025 and 2024:


	Year Ended June 30,
	2026		2025		2024
	(In Thousands)
Balance at beginning of the period	$	1,129	$	796	$	741

Provision for credit losses	389		333		55
Balance at end of the period	$	1,518	$	1,129	$	796