Loans Held for Investment

Schedule of loans held for investment, contractual repricing


		Adjustable Rate
					After			After			After
		Within			One Year			3 Years			5 Years
(In Thousands)		One Year			Through 3 Years			Through 5 Years			Through 10 Years			Fixed Rate			Total
Mortgage loans:
Single-family		$	51,748		$	84,213		$	132,899		$	194,425		$	102,645		$	565,930
Multi-family			228,892			116,596			48,166			2,139			89			395,882
Commercial real estate			36,103			22,505			7,764			—			359			66,731
Consumer loans			58			—			—			—			—			58
Total loans held for investment, gross		$	316,801		$	223,314		$	188,829		$	196,564		$	103,093		$	1,028,601

Schedule of commercial real estate loans by geographic concentration


	Inland				Southern				Other
June 30, 2026	Empire⁽¹⁾				California⁽²⁾				California				Total
(Dollars in Thousands)	Balance		%		Balance		%		Balance		%		Balance		%
Owner occupied:
Office	$	137	3	%	$	4,740	94	%	$	176	3	%	$	5,053	100	%
Mixed use		—	—	%		—	—	%		264	100	%		264	100	%
Warehouse		—	—	%		931	72	%		359	28	%		1,290	100	%
Medical/dental office		264	11	%		2,194	89	%		—	—	%		2,458	100	%
Restaurant/fast food		—	—	%		670	100	%		—	—	%		670	100	%
Total owner occupied		401	4	%		8,535	88	%		799	8	%		9,735	100	%

Non-owner occupied:
Office		3,516	22	%		10,203	63	%		2,447	15	%		16,166	100	%
Mixed use		1,014	7	%		6,382	44	%		6,996	49	%		14,392	100	%
Retail		1,156	13	%		4,662	50	%		3,413	37	%		9,231	100	%
Warehouse		468	7	%		3,826	54	%		2,762	39	%		7,056	100	%
Mobile home park		4,125	68	%		344	6	%		1,618	26	%		6,087	100	%
Medical/dental office		1,179	39	%		1,836	61	%		—	—	%		3,015	100	%
Automotive - non gasoline		—	—	%		562	100	%		—	—	%		562	100	%
Restaurant/fast food		—	—	%		487	100	%		—	—	%		487	100	%
Total non-owner occupied		11,458	20	%		28,302	50	%		17,236	30	%		56,996	100	%

Total commercial real estate	$	11,859	18	%	$	36,837	55	%	$	18,035	27	%	$	66,731	100	%

(1)Inland Empire comprised of San Bernardino and Riverside counties.

(2)Other than the Inland Empire.


	Inland				Southern				Other
June 30, 2025	Empire⁽¹⁾				California⁽²⁾				California				Total
(Dollars in Thousands)	Balance		%		Balance		%		Balance		%		Balance		%
Owner occupied:
Office	$	630	11	%	$	4,852	86	%	$	184	3	%	$	5,666	100	%
Mixed use		—	—	%		—	—	%		279	100	%		279	100	%
Warehouse		—	—	%		959	72	%		373	28	%		1,332	100	%
Medical/dental office		271	11	%		2,240	89	%		—	—	%		2,511	100	%
Restaurant/fast food		—	—	%		681	100	%		—	—	%		681	100	%
Total owner occupied		901	9	%		8,732	83	%		836	8	%		10,469	100	%

Non-owner occupied:
Office		3,837	19	%		13,488	68	%		2,570	13	%		19,895	100	%
Mixed use		449	3	%		6,297	44	%		7,584	53	%		14,330	100	%
Retail		1,026	13	%		3,296	41	%		3,679	46	%		8,001	100	%
Warehouse		1,064	13	%		3,992	51	%		2,813	36	%		7,869	100	%
Mobile home park		4,754	70	%		351	5	%		1,656	25	%		6,761	100	%
Medical/dental office		1,713	39	%		1,993	46	%		671	15	%		4,377	100	%
Restaurant/fast food		—	—	%		493	100	%		—	—	%		493	100	%
Automotive - non gasoline		—	—	%		571	100	%		—	—	%		571	100	%
Total non-owner occupied		12,843	21	%		30,481	49	%		18,973	30	%		62,297	100	%

Total commercial real estate	$	13,744	19	%	$	39,213	54	%	$	19,809	27	%	$	72,766	100	%

(1)Inland Empire comprised of San Bernardino and Riverside counties.

(2)Other than the Inland Empire.

Schedule of allowance for loan losses and recorded investment


	Year Ended June 30, 2026
							Commercial									Commercial
(In Thousands)	Single-family			Multi-family			Real Estate			Construction			Other Mortgage			Business			Consumer			Total
ACL:
ACL, beginning of period	$	5,734		$	615		$	55		$	12		$	2		$	6		$	—		$	6,424
Recovery of credit losses		(430)			(112)			(12)			(12)			(2)			(6)			—			(574)
Recoveries		—			—			—			—			—			—			—			—
Charge-offs		—			—			—			—			—			—			—			—
ACL, end of period	$	5,304		$	503		$	43		$	—		$	—		$	—		$	—		$	5,850

ACL:
Individually evaluated for allowances	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Collectively evaluated for allowances		5,304			503			43			—			—			—			—			5,850
ACL, end of period	$	5,304		$	503		$	43		$	—		$	—		$	—		$	—		$	5,850

Loans held for investment:
Individually evaluated for allowances	$	—		$	455		$	—		$	—		$	—		$	—		$	—		$	455
Collectively evaluated for allowances		565,930			395,427			66,731			—			—			—			58			1,028,146
Total loans held for investment, gross	$	565,930		$	395,882		$	66,731		$	—		$	—		$	—		$	58		$	1,028,601
ACL on loans as a percentage of gross loans held for investment		0.94	%		0.13	%		0.06	%		—	%		—	%		—	%		—	%		0.57	%
Net (recoveries) charge-offs to average loans receivable, net during the period		—	%		—	%		—	%		—	%		—	%		—	%		—	%		—	%


	Year Ended June 30, 2025
							Commercial									Commercial
(In Thousands)	Single-family			Multi-family			Real Estate			Construction			Other Mortgage			Business			Consumer			Total
ACL:
ACL, beginning of period	$	6,295		$	595		$	66		$	97		$	1		$	11		$	—		$	7,065
(Recovery of) provision for credit losses		(561)			20			(11)			(85)			1			(5)			—			(641)
Recoveries		—			—			—			—			—			—			—			—
Charge-offs		—			—			—			—			—			—			—			—
ACL, end of period	$	5,734		$	615		$	55		$	12		$	2		$	6		$	—		$	6,424

ACL:
Individually evaluated for allowances	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Collectively evaluated for allowances		5,734			615			55			12			2			6			—			6,424
ACL, end of period	$	5,734		$	615		$	55		$	12		$	2		$	6		$	—		$	6,424

Loans held for investment:
Individually evaluated for allowances	$	369		$	467		$	—		$	—		$	—		$	—		$	—		$	836
Collectively evaluated for allowances		544,056			422,950			72,766			402			89			1,267			57			1,041,587
Total loans held for investment, gross	$	544,425		$	423,417		$	72,766		$	402		$	89		$	1,267		$	57		$	1,042,423
ACL on loans as a percentage of gross loans held for investment		1.05	%		0.15	%		0.08	%		2.99	%		2.25	%		0.47	%		—	%		0.62	%
Net (recoveries) charge-offs to average loans receivable, net during the period		—	%		—	%		—	%		—	%		—	%		—	%		—	%		—	%

Schedule of recorded investment in non-performing loans


		At or For the Year Ended June 30, 2026
		Unpaid												Net			Average			Interest
		Principal			Related			Recorded						Recorded			Recorded			Income
(In Thousands)		Balance			Charge-offs			Investment			ACL⁽¹⁾			Investment			Investment			Recognized

Mortgage loans:
Single-family:
With a related allowance		$	52		$	—		$	52		$	(2)		$	50		$	430		$	41
Without a related allowance⁽²⁾			25			(25)			—			—			—			64			11
Total single-family loans			77			(25)			52			(2)			50			494			52

Multi-family:
Without a related allowance⁽²⁾			455			—			455			—			455			532			33
Total multi-family loans			455			—			455			—			455			532			33

Total non-performing loans		$	532		$	(25)		$	507		$	(2)		$	505		$	1,026		$	85

(1)	ACL specifically assigned to the individual loan.

(2)	There was no related ACL because the loans were charged-down to their estimated fair value or because the estimated fair value of the collateral exceeded the loan balance.


		At or For the Year Ended June 30, 2025
		Unpaid												Net			Average			Interest
		Principal			Related			Recorded						Recorded			Recorded			Income
(In Thousands)		Balance			Charge-offs			Investment			ACL⁽¹⁾			Investment			Investment			Recognized

Mortgage loans:
Single-family:
With a related allowance		$	560		$	—		$	560		$	(7)		$	553		$	1,158		$	95
Without a related allowance⁽²⁾			420			(25)			395			—			395			631			106
Total single-family loans			980			(25)			955			(7)			948			1,789			201

Multi-family:
Without a related allowance⁽²⁾			466			—			466			—			466			156			5
Total multi-family loans			466			—			466			—			466			156			5

Commercial real estate:
Without a related allowance⁽²⁾			—			—			—			—			—			149			36
Total commercial real estate loans			—			—			—			—			—			149			36

Total non-performing loans		$	1,446		$	(25)		$	1,421		$	(7)		$	1,414		$	2,094		$	242

(1)	ACL specifically assigned to the individual loan.

(2)	There was no related ACL because the loans were charged-down to their estimated fair value or because the estimated fair value of the collateral exceeded the loan balance.

Schedule of past due status of gross loans held for investment, net of fair value adjustments


		June 30, 2026
					30-89 Days Past						Total Loans Held for
(In Thousands)		Current			Due			Non-Accrual⁽¹⁾			Investment, Gross

Mortgage loans:
Single-family		$	565,878		$	—		$	52		$	565,930
Multi-family			395,427			—			455			395,882
Commercial real estate			66,731			—			—			66,731
Consumer loans			57			1			—			58
Total loans held for investment, gross		$	1,028,093		$	1		$	507		$	1,028,601

(1)	All loans 90 days or greater past due are placed on non-accrual status.


		June 30, 2025
					30-89 Days Past						Total Loans Held for
(In Thousands)		Current			Due			Non-Accrual⁽¹⁾			Investment, Gross

Mortgage loans:
Single-family		$	543,496		$	—		$	929		$	544,425
Multi-family			422,951			—			466			423,417
Commercial real estate			72,766			—			—			72,766
Construction			402			—			—			402
Other			89			—			—			89
Commercial business loans			1,267			—			—			1,267
Consumer loans			55			2			—			57
Total loans held for investment, gross		$	1,041,026		$	2		$	1,395		$	1,042,423

(1)	All loans 90 days or greater past due are placed on non-accrual status.