| Schedule of aging of the amortized cost of loans receivable by loan category |
| | | | | | | | | | | | | | | | | | | | | September 30, 2026 | | | | | | 30-59 | | 60-89 | | 90 Days or | | | | | | | | | Current | | Days | | Days | | More Past Due | | | | | Total | | | Loans | | Past Due | | Past Due | | Still Accruing | | Nonaccrual | | Loans | | | | (in thousands) | Real estate loans: | | | | | | | | | | | | | | | | | | | One-to-four-family residential | | $ | 1,248,128 | | $ | 461 | | $ | 408 | | $ | — | | $ | 3,255 | | $ | 1,252,252 | Home equity | | | 174,905 | | | 1,077 | | | — | | | — | | | 1,546 | | | 177,528 | Commercial real estate | | | 2,290,430 | | | 722 | | | — | | | — | | | 13,587 | | | 2,304,739 | Multi-family residential | | | 584,967 | | | — | | | — | | | — | | | — | | | 584,967 | Construction and land development | | | 841,273 | | | 5,180 | | | — | | | — | | | — | | | 846,453 | Commercial and industrial | | | 1,119,870 | | | 726 | | | 129 | | | — | | | 16,686 | | | 1,137,411 | Consumer | | | 228,699 | | | 4,474 | | | 1,586 | | | — | | | 1,002 | | | 235,761 | Mortgage warehouse | | | 238,098 | | | — | | | — | | | — | | | — | | | 238,098 | Total | | $ | 6,726,370 | | $ | 12,640 | | $ | 2,123 | | $ | — | | $ | 36,076 | | $ | 6,777,209 |
| | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | | | | | 30-59 | | 60-89 | | 90 Days or | | | | | | | | | Current | | Days | | Days | | More Past Due | | | | | Total | | | Loans | | Past Due | | Past Due | | Still Accruing | | Nonaccrual | | Loans | | | | (in thousands) | Real estate loans: | | | | | | | | | | | | | | | | | | | One-to-four-family residential | | $ | 1,166,731 | | $ | 7,232 | | $ | 481 | | $ | — | | $ | 2,712 | | $ | 1,177,156 | Home equity | | | 150,413 | | | 445 | | | 385 | | | — | | | 1,359 | | | 152,602 | Commercial real estate | | | 1,923,108 | | | 80 | | | — | | | — | | | 855 | | | 1,924,043 | Multi-family residential | | | 517,527 | | | — | | | — | | | — | | | — | | | 517,527 | Construction and land development | | | 730,563 | | | — | | | — | | | — | | | 10 | | | 730,573 | Commercial and industrial | | | 895,662 | | | 73,225 | | | 2,531 | | | — | | | 36,251 | | | 1,007,669 | Consumer | | | 197,196 | | | 3,416 | | | 1,337 | | | — | | | 1,548 | | | 203,497 | Mortgage Warehouse | | | 280,949 | | | — | | | — | | | — | | | — | | | 280,949 | Total | | $ | 5,862,149 | | $ | 84,398 | | $ | 4,734 | | $ | — | | $ | 42,735 | | $ | 5,994,016 |
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| Schedule of amortized cost of loans receivable by internal risk grade by year of origination |
The following table presents the amortized cost of loans receivable by internal risk grade by year of origination as of September 30, 2026. Also presented are current period gross charge-offs by loan type and vintage year for the three months ended September 30, 2026: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year (in thousands) | | | Risk Rating | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Revolving Loans | | Total | One-to-Four-Family Residential | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 178,447 | | $ | 107,830 | | $ | 82,045 | | $ | 116,188 | | $ | 238,287 | | $ | 490,776 | | $ | 33,481 | | $ | 1,247,054 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | 2,103 | | | — | | | 2,103 | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | 2,967 | | | 128 | | | 3,095 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 178,447 | | $ | 107,830 | | $ | 82,045 | | $ | 116,188 | | $ | 238,287 | | $ | 495,846 | | $ | 33,609 | | $ | 1,252,252 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Home Equity | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | — | | $ | 482 | | $ | 245 | | $ | — | | $ | 634 | | $ | 174,622 | | $ | 175,983 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | 62 | | | 124 | | | — | | | 449 | | | 910 | | | 1,545 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | — | | $ | — | | $ | 544 | | $ | 369 | | $ | — | | $ | 1,083 | | $ | 175,532 | | $ | 177,528 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Real Estate | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 391,712 | | $ | 326,213 | | $ | 158,780 | | $ | 306,151 | | $ | 350,487 | | $ | 493,157 | | $ | 157,975 | | $ | 2,184,475 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | 33,597 | | | 9,592 | | | — | | | 43,189 | Substandard | | 7 | | | — | | | — | | | 13,390 | | | — | | | 1,207 | | | 62,478 | | | — | | | 77,075 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 391,712 | | $ | 326,213 | | $ | 172,170 | | $ | 306,151 | | $ | 385,291 | | $ | 565,227 | | $ | 157,975 | | $ | 2,304,739 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Multi-Family | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 29,568 | | $ | 47,912 | | $ | 24,954 | | $ | 133,373 | | $ | 206,192 | | $ | 141,696 | | $ | 1,272 | | $ | 584,967 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 29,568 | | $ | 47,912 | | $ | 24,954 | | $ | 133,373 | | $ | 206,192 | | $ | 141,696 | | $ | 1,272 | | $ | 584,967 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | Term Loans Amortized Cost Basis by Origination Year (in thousands) | | | Risk Rating | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Revolving Loans | | Total | Construction and Land Development | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 146,159 | | $ | 122,503 | | $ | 182,303 | | $ | 177,969 | | $ | 13,275 | | $ | 9,080 | | $ | 179,518 | | $ | 830,807 | Special Mention | | 6 | | | — | | | — | | | — | | | 12,532 | | | 3,114 | | | — | | | — | | | 15,646 | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 146,159 | | $ | 122,503 | | $ | 182,303 | | $ | 190,501 | | $ | 16,389 | | $ | 9,080 | | $ | 179,518 | | $ | 846,453 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and Industrial | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 248,953 | | $ | 68,298 | | $ | 51,600 | | $ | 66,111 | | $ | 68,786 | | $ | 99,106 | | $ | 367,460 | | $ | 970,314 | Special Mention | | 6 | | | — | | | 9,500 | | | 5,422 | | | 343 | | | 3,816 | | | 7,036 | | | 31,609 | | | 57,726 | Substandard | | 7 | | | — | | | — | | | 443 | | | 81,528 | | | 7,726 | | | 14,467 | | | 5,198 | | | 109,362 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | 9 | | | — | | | — | | | 9 | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 248,953 | | $ | 77,798 | | $ | 57,465 | | $ | 147,982 | | $ | 80,337 | | $ | 120,609 | | $ | 404,267 | | $ | 1,137,411 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | 2,428 | | $ | 1,616 | | $ | — | | $ | — | | $ | 4,044 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | 65,748 | | | 48,066 | | | 29,637 | | | 2,800 | | | 35,199 | | | 47,869 | | | 6,442 | | | 235,761 | Total | | | | $ | 65,748 | | $ | 48,066 | | $ | 29,637 | | $ | 2,800 | | $ | 35,199 | | $ | 47,869 | | $ | 6,442 | | $ | 235,761 | Current period gross charge-offs | | | | $ | — | | $ | 18 | | $ | 39 | | $ | 175 | | $ | 445 | | $ | 656 | | $ | 2 | | $ | 1,335 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Mortgage Warehouse | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 238,098 | | $ | 238,098 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 238,098 | | $ | 238,098 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total Loans | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 994,839 | | $ | 672,756 | | $ | 500,164 | | $ | 800,037 | | $ | 877,027 | | $ | 1,234,449 | | $ | 1,152,426 | | $ | 6,231,698 | Special Mention | | 6 | | | — | | | 9,500 | | | 5,422 | | | 12,875 | | | 40,527 | | | 18,731 | | | 31,609 | | | 118,664 | Substandard | | 7 | | | — | | | — | | | 13,895 | | | 81,652 | | | 8,933 | | | 80,361 | | | 6,236 | | | 191,077 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | 9 | | | — | | | — | | | 9 | Loans not formally risk rated (1) | | | | | 65,748 | | | 48,066 | | | 29,637 | | | 2,800 | | | 35,199 | | | 47,869 | | | 6,442 | | | 235,761 | Total | | | | $ | 1,060,587 | | $ | 730,322 | | $ | 549,118 | | $ | 897,364 | | $ | 961,695 | | $ | 1,381,410 | | $ | 1,196,713 | | $ | 6,777,209 | Current period gross charge-offs | | | | $ | — | | $ | 18 | | $ | 39 | | $ | 2,603 | | $ | 2,061 | | $ | 656 | | $ | 2 | | $ | 5,379 |
(1) Consumer loans are not formally risk rated and included $1.0 million of loans on non-accrual as of September 30, 2026. The following table presents the amortized cost of loans receivable by internal risk grade by year of origination as of December 31, 2025. Also presented are current period gross charge-offs by loan type and vintage year for the three months ended December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year (in thousands) | | | Risk Rating | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Revolving Loans | | Total | One-to-Four-Family Residential | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 109,894 | | $ | 99,901 | | $ | 133,211 | | $ | 252,202 | | $ | 230,200 | | $ | 310,541 | | $ | 38,849 | | $ | 1,174,798 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | 239 | | | 1,983 | | | 136 | | | 2,358 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 109,894 | | $ | 99,901 | | $ | 133,211 | | $ | 252,202 | | $ | 230,439 | | $ | 312,524 | | $ | 38,985 | | $ | 1,177,156 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Home Equity | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | 481 | | $ | 245 | | $ | — | | $ | — | | $ | 919 | | $ | 149,598 | | $ | 151,243 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | 62 | | | 125 | | | — | | | — | | | — | | | 1,172 | | | 1,359 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | — | | $ | 543 | | $ | 370 | | $ | — | | $ | — | | $ | 919 | | $ | 150,770 | | $ | 152,602 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Real Estate | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 277,427 | | $ | 176,824 | | $ | 268,778 | | $ | 350,792 | | $ | 166,603 | | $ | 443,438 | | $ | 109,330 | | $ | 1,793,192 | Special Mention | | 6 | | | — | | | 12,654 | | | 33,785 | | | 49,323 | | | 4,277 | | | 6,918 | | | — | | | 106,957 | Substandard | | 7 | | | — | | | — | | | — | | | 457 | | | — | | | 23,437 | | | — | | | 23,894 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 277,427 | | $ | 189,478 | | $ | 302,563 | | $ | 400,572 | | $ | 170,880 | | $ | 473,793 | | $ | 109,330 | | $ | 1,924,043 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | 18 | | $ | — | | $ | — | | $ | — | | $ | 18 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Multi-Family | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 51,330 | | $ | 17,220 | | $ | 79,309 | | $ | 232,302 | | $ | 29,510 | | $ | 106,112 | | $ | 1,744 | | $ | 517,527 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 51,330 | | $ | 17,220 | | $ | 79,309 | | $ | 232,302 | | $ | 29,510 | | $ | 106,112 | | $ | 1,744 | | $ | 517,527 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Construction and Land Development | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 95,751 | | $ | 212,670 | | $ | 256,764 | | $ | 13,536 | | $ | 16,138 | | $ | 3,466 | | $ | 99,857 | | $ | 698,182 | Special Mention | | 6 | | | — | | | — | | | — | | | 32,381 | | | — | | | — | | | — | | | 32,381 | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | 10 | | | — | | | 10 | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 95,751 | | $ | 212,670 | | $ | 256,764 | | $ | 45,917 | | $ | 16,138 | | $ | 3,476 | | $ | 99,857 | | $ | 730,573 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and Industrial | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 72,148 | | $ | 65,844 | | $ | 99,436 | | $ | 91,265 | | $ | 106,858 | | $ | 61,608 | | $ | 387,604 | | $ | 884,763 | Special Mention | | 6 | | | — | | | 1,696 | | | 2,262 | | | 12,851 | | | 10,417 | | | 4,306 | | | 45,454 | | | 76,986 | Substandard | | 7 | | | 9,500 | | | — | | | 2,437 | | | 13,835 | | | 4,878 | | | 8,776 | | | 6,389 | | | 45,815 | Doubtful | | 8 | | | — | | | — | | | — | | | 105 | | | — | | | — | | | — | | | 105 | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 81,648 | | $ | 67,540 | | $ | 104,135 | | $ | 118,056 | | $ | 122,153 | | $ | 74,690 | | $ | 439,447 | | $ | 1,007,669 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 3,762 | | $ | — | | $ | 3,762 | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | Term Loans Amortized Cost Basis by Origination Year (in thousands) | | | Risk Rating | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Revolving Loans | | Total | Consumer | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | 56,733 | | | 40,589 | | | 3,775 | | | 41,676 | | | 36,574 | | | 20,694 | | | 3,456 | | | 203,497 | Total | | | | $ | 56,733 | | $ | 40,589 | | $ | 3,775 | | $ | 41,676 | | $ | 36,574 | | $ | 20,694 | | $ | 3,456 | | $ | 203,497 | Current period gross charge-offs | | | | $ | 144 | | $ | — | | $ | 43 | | $ | 732 | | $ | 374 | | $ | 24 | | $ | 7 | | $ | 1,324 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Mortgage Warehouse | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 280,949 | | $ | 280,949 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 280,949 | | $ | 280,949 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total Loans | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 606,550 | | $ | 572,940 | | $ | 837,743 | | $ | 940,097 | | $ | 549,309 | | $ | 926,084 | | $ | 1,067,931 | | $ | 5,500,654 | Special Mention | | 6 | | | — | | | 14,350 | | | 36,047 | | | 94,555 | | | 14,694 | | | 11,224 | | | 45,454 | | | 216,324 | Substandard | | 7 | | | 9,500 | | | 62 | | | 2,562 | | | 14,292 | | | 5,117 | | | 34,196 | | | 7,697 | | | 73,426 | Doubtful | | 8 | | | — | | | — | | | — | | | 105 | | | — | | | 10 | | | — | | | 115 | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | 56,733 | | | 40,589 | | | 3,775 | | | 41,676 | | | 36,574 | | | 20,694 | | | 3,456 | | | 203,497 | Total | | | | $ | 672,783 | | $ | 627,941 | | $ | 880,127 | | $ | 1,090,725 | | $ | 605,694 | | $ | 992,208 | | $ | 1,124,538 | | $ | 5,994,016 | Current period gross charge-offs | | | | $ | 144 | | $ | — | | $ | 43 | | $ | 750 | | $ | 374 | | $ | 3,786 | | $ | 7 | | $ | 5,104 |
(1) Consumer loans are not formally risk rated and included $1.5 million of loans on non-accrual as of December 31, 2025.
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| Schedule of the change in the ACL by major loan segment |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | For the Three Months Ended September 30, 2026 | | | One-to-Four | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Family | | | | | Commercial | | | | Construction and | | Commercial and | | | | | | | | | | | | | | | Residential | | Home Equity | | Real Estate | | Multi-Family | | Land Development | | Industrial | | Consumer | | Mortgage Warehouse | | Unallocated | | Total | | | | (in thousands) | Balance at June 30, 2026 | | $ | 1,709 | | $ | 149 | | $ | 22,634 | | $ | 1,247 | | $ | 6,110 | | $ | 40,440 | | $ | 9,647 | | | 152 | | $ | — | | $ | 82,088 | Provision for (release of) credit losses | | | 273 | | | 10 | | | 733 | | | 155 | | | 857 | | | (1,942) | | | 1,243 | | | 62 | | | — | | | 1,391 | Charge-offs | | | — | | | — | | | — | | | — | | | — | | | (4,044) | | | (1,335) | | | — | | | — | | | (5,379) | Recoveries of loans previously charged-off | | | — | | | — | | | — | | | — | | | — | | | 12 | | | 193 | | | — | | | — | | | 205 | Balance at September 30, 2026 | | $ | 1,982 | | $ | 159 | | $ | 23,367 | | $ | 1,402 | | $ | 6,967 | | $ | 34,466 | | $ | 9,748 | | $ | 214 | | $ | — | | $ | 78,305 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | For the Three Months Ended September 30, 2025 | | | One-to-Four | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Family | | | | | Commercial | | | | | Construction and | | Commercial and | | | | | | | | | | | | | | | Residential | | Home Equity | | Real Estate | | Multi-Family | | Land Development | | Industrial | | Consumer | | Mortgage Warehouse | | Unallocated | | Total | | | | (in thousands) | Balance at June 30, 2025 | | $ | 1,288 | | $ | 91 | | $ | 10,081 | | $ | 538 | | $ | 7,153 | | $ | 14,315 | | $ | 9,135 | | $ | — | | $ | — | | $ | 42,601 | Provision for (release of) credit losses | | | 222 | | | 33 | | | (322) | | | 65 | | | (1,165) | | | 174 | | | 2,034 | | | — | | | — | | | 1,041 | Charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | (693) | | | — | | | — | | | (693) | Recoveries of loans previously charged-off | | | — | | | — | | | — | | | — | | | — | | | 12 | | | 91 | | | — | | | — | | | 103 | Balance at September 30, 2025 | | $ | 1,510 | | $ | 124 | | $ | 9,759 | | $ | 603 | | $ | 5,988 | | $ | 14,501 | | $ | 10,567 | | $ | — | | $ | — | | $ | 43,052 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | For the Nine Months Ended September 30, 2026 | | | One-to-Four | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Family | | | | | Commercial | | | | Construction and | | Commercial and | | | | | | | | | | | | | | | Residential | | Home Equity | | Real Estate | | Multi-Family | | Land Development | | Industrial | | Consumer | | Mortgage Warehouse | | Unallocated | | Total | | | | (in thousands) | Balance at December 31, 2025 | | $ | 1,703 | | $ | 152 | | $ | 21,599 | | $ | 1,188 | | $ | 5,050 | | $ | 49,599 | | $ | 7,895 | | | 225 | | $ | — | | $ | 87,411 | Provision for (release of) credit losses | | | 335 | | | 7 | | | 1,778 | | | 214 | | | 1,917 | | | 363 | | | 6,164 | | | (11) | | | — | | | 10,767 | Charge offs | | | (56) | | | — | | | (10) | | | — | | | — | | | (16,708) | | | (4,825) | | | — | | | — | | | (21,599) | Recoveries of loans previously charged-off | | | — | | | — | | | — | | | — | | | — | | | 1,212 | | | 514 | | | — | | | — | | | 1,726 | Balance at September 30, 2026 | | $ | 1,982 | | $ | 159 | | $ | 23,367 | | $ | 1,402 | | $ | 6,967 | | $ | 34,466 | | $ | 9,748 | | $ | 214 | | $ | — | | $ | 78,305 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | For the Nine Months Ended September 30, 2025 | | | One-to-Four | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Family | | | | | Commercial | | | | Construction and | | Commercial and | | | | | | | | | | | | | | | Residential | | Home Equity | | Real Estate | | Multi-Family | | Land Development | | Industrial | | Consumer | | Mortgage Warehouse | | Unallocated | | Total | | | | (in thousands) | Balance at December 31, 2024 | | $ | 1,195 | | $ | 74 | | $ | 9,481 | | $ | 599 | | $ | 4,137 | | $ | 11,174 | | $ | 12,084 | | $ | — | | $ | — | | $ | 38,744 | Provision for (release of) credit losses | | | 315 | | | 50 | | | (645) | | | 4 | | | 1,851 | | | 3,291 | | | 1,366 | | | — | | | — | | | 6,232 | Charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | (3,441) | | | — | | | — | | | (3,441) | Recoveries of loans previously charged-off | | | — | | | — | | | 923 | | | — | | | — | | | 36 | | | 558 | | | — | | | — | | | 1,517 | Balance at September 30, 2025 | | $ | 1,510 | | $ | 124 | | $ | 9,759 | | $ | 603 | | $ | 5,988 | | $ | 14,501 | | $ | 10,567 | | $ | — | | $ | — | | $ | 43,052 |
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