Loans Receivable and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2026

Loans Receivable and Allowance for Credit Losses [Abstract]



	September 30, 2026		December 31, 2025
		(In Thousands)
Residential one-to-four family	$	214,707	$	226,708
Commercial and multi-family ⁽¹⁾		1,753,542		2,040,768
Cannabis related ⁽²⁾		4,070		69,293
Construction ⁽¹⁾		13,434		68,521
Commercial business ^{(1) (3)}		126,172		168,459
Business express		64,503		74,862
Home equity ⁽⁴⁾		72,710		74,332
Consumer		2,376		3,580
		2,251,514		2,726,523

Less:
Deferred loan fees, net		(1,547)		(1,741)
Allowance for credit losses		(70,270)		(33,691)

Total Loans, net	$	2,179,697	$	2,691,091

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

Allowance for Credit Losses on loans

The following tables set forth the activity in the Company’s allowance for credit losses on loans for the three and nine months ended September 30, 2026, and the related portion of the allowance for credit losses that is allocated to each loan class, as of September 30, 2026 (in thousands):


	Residential			Commercial & Multi-family ⁽¹⁾	Cannabis Related ⁽²⁾		Construction ⁽¹⁾		Commercial Business ⁽¹⁾⁽³⁾		Business Express		Home Equity ⁽⁴⁾		Consumer		Total
Allowance for credit losses:
Beginning Balance, July 1, 2026	$	1,904	$	13,959	$	1,494	$	342	$	16,092	$	10,477	$	697	$	15	$	44,980

Charge-offs		-		(49,915)		(27,669)		(1,594)		(10,273)		(1,411)		-		-		(90,862)
Recoveries		-		-		-		-		1,106		85		-		-		1,191
Provision (benefit)		665		74,666		26,261		1,663		9,073		2,445		184		4		114,961
Ending Balance, September 30, 2026		2,569		38,710		86		411		15,998		11,596		881		19		70,270

Ending Balance attributable to loans:
Individually evaluated		-		2,016		-		-		897		1,694		-		-		4,607
Collectively evaluated		2,569		36,694		86		411		15,101		9,902		881		19		65,663
Ending Balance, September 30, 2026		2,569		38,710		86		411		15,998		11,596		881		19		70,270

Loans Receivables:
Individually evaluated		2,848		32,564		-		-		3,981		1,694		107		-		41,194
Collectively evaluated		211,859		1,720,978		4,070		13,434		122,191		62,809		72,603		2,376		2,210,320
Total Gross Loans:	$	214,707	$	1,753,542	$	4,070	$	13,434	$	126,172	$	64,503	$	72,710	$	2,376	$	2,251,514

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.


	Residential			Commercial & Multi-family ⁽¹⁾	Cannabis Related ⁽²⁾		Construction ⁽¹⁾		Commercial Business ⁽¹⁾⁽³⁾			Business Express		Home Equity⁽⁴⁾	Consumer		Total
Allowance for credit losses:
Beginning Balance, January 1, 2026	$	1,776	$	12,057	$	1,477	$	668	$	6,676	$	10,390	$	632	$	15	$	33,691

Charge-offs		(2)		(52,614)		(27,669)		(1,594)		(17,578)		(3,009)		-		-		(102,466)
Recoveries		-		-		-		-		1,770		539		-		-		2,309
Provision (benefit)		795		79,267		26,278		1,337		25,130		3,676		249		4		136,736
Ending Balance, September 30, 2026	$	2,569	$	38,710	$	86	$	411	$	15,998	$	11,596	$	881	$	19	$	70,270

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

The increase in the allowance for credit losses on loans during the three and nine months ended September 30, 2026 is primarily due to additional reserves within the commercial and multi-family segment following the Company’s review of that portfolio that concluded in the third quarter of 2026. In addition, for the nine-month period, additional reserves within the commercial business segment were the result of continued credit deterioration within that portfolio.

‎

Note 6 - Loans Receivable and Allowance for Credit Losses (Continued)

The following tables set forth the activity in the Company’s allowance for credit losses on loans for the three and nine months ended September 30, 2025, and the related portion of the allowance for credit losses that is allocated to each loan class, as of September 30, 2025 (in thousands):


	Residential			Commercial & Multi-family ⁽¹⁾	Cannabis Related ⁽²⁾		Construction⁽¹⁾		Commercial Business ⁽¹⁾⁽³⁾		Business Express		Home Equity ⁽⁴⁾		Consumer		Total
Allowance for credit losses:
Beginning Balance, July 1, 2025	$	1,837	$	12,419	$	14,852	$	1,907	$	8,898	$	10,093	$	635	$	17	$	50,658

Charge-offs		-		(79)		(12,756)		-		(3,453)		(1,206)		-		-		(17,494)
Recoveries		9		-		-		-		2		548		-		-		559
Provision (benefit)		(219)		(383)		(631)		(243)		6,667		(1,057)		(48)		(6)		4,080
Ending Balance, September 30, 2025		1,627		11,957		1,465		1,664		12,114		8,378		587		11		37,803

Ending Balance attributable to loans:
Individually evaluated		-		3,405		-		262		8,129		2,833		-		-		14,629
Collectively evaluated		1,627		8,552		1,465		1,402		3,985		5,545		587		11		23,174
Ending Balance, September 30, 2025		1,627		11,957		1,465		1,664		12,114		8,378		587		11		37,803

Loans Receivables:
Individually evaluated		302		105,115		-		2,310		18,355		2,833		443		-		129,358
Collectively evaluated		226,838		1,974,973		69,102		103,670		174,407		75,420		73,123		2,042		2,699,575
Total Gross Loans:	$	227,140	$	2,080,088	$	69,102	$	105,980	$	192,762	$	78,253	$	73,566	$	2,042	$	2,828,933

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.


	Residential			Commercial & Multi-family ⁽¹⁾	Cannabis Related ⁽²⁾		Construction ⁽¹⁾		Commercial Business ⁽¹⁾⁽³⁾			Business Express		Home Equity⁽⁴⁾	Consumer		Total
Allowance for credit losses:
Beginning Balance, January 1, 2025	$	1,947	$	10,451	$	1,613	$	1,902	$	10,497	$	7,769	$	594	$	16	$	34,789

Charge-offs		-		(419)		(12,756)		-		(5,301)		(9,246)		-		-		(27,722)
Recoveries		43		-		-		-		6		871		-		-		920
Provision (benefit)		(363)		1,925		12,608		(238)		6,912		8,984		(7)		(5)		29,816
Ending Balance, September 30, 2025	$	1,627	$	11,957	$	1,465	$	1,664	$	12,114	$	8,378	$	587	$	11	$	37,803

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

Note 6 - Loans Receivable and Allowance for Credit Losses (Continued)

The following table sets forth the activity in the allowance for credit losses on loans and amount recorded in loans receivable at and for the year ended December 31, 2025. The table also details the amount of total loans receivable that are evaluated individually and collectively, and the related portion of the allowance for credit losses that is allocated to each loan class (in thousands):


	Residential			Commercial & Multi-family⁽¹⁾	Cannabis Related ⁽²⁾		Construction ⁽¹⁾		Commercial ‎Business^{(1) (3)}		Business Express		Home Equity ⁽⁴⁾		Consumer		Total
Allowance for credit losses:
Beginning Balance, January 1, 2025	$	1,947	$	10,451	$	1,613	$	1,902	$	10,497	$	7,769	$	594	$	16	$	34,789

Charge-offs		-		(1,183)		(12,756)		-		(19,457)		(11,328)		-		-		(44,724)
Recoveries		75		-		-		-		7		1,533		-		-		1,615
Provision (benefit)		(246)		2,789		12,620		(1,234)		15,629		12,416		38		(1)		42,011
Ending Balance, December 31, 2025	$	1,776	$	12,057	$	1,477	$	668	$	6,676	$	10,390	$	632	$	15	$	33,691

Ending Balance attributable to loans:
Individually evaluated	$	-	$	2,657	$	-	$	-	$	2,938	$	998	$	-	$	-	$	6,593
Collectively evaluated		1,776		9,400		1,477		668		3,738		9,392		632		15		27,098
Ending Balance, December 31, 2025	$	1,776	$	12,057	$	1,477	$	668	$	6,676	$	10,390	$	632	$	15	$	33,691

Loans Receivables:
Individually evaluated	$	1,392	$	130,581	$	-	$	18,888	$	10,073	$	998	$	294	$	-	$	162,226
Collectively evaluated		225,316		1,910,187		69,293		49,633		158,386		73,864		74,038		3,580		2,564,297
Total Gross Loans:	$	226,708	$	2,040,768	$	69,293	$	68,521	$	168,459	$	74,862	$	74,332	$	3,580	$	2,726,523

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

Allowance for Credit Losses on Off-Balance Sheet Exposures


	Three Months Ended September 30,
		2026		2025
	(In Thousands)
Allowance for Credit Losses:
Beginning balance at July 1	$	286	$	687
Provision (benefit) for credit losses		68		(207)
Ending balance at September 30	$	354	$	480


	Nine Months Ended September 30,
		2026		2025
	(In Thousands)
Allowance for Credit Losses:
Beginning balance at January 1	$	830	$	813
Benefit for credit losses		(476)		(333)
Ending balance at September 30	$	354	$	480

Delinquency Status of Total Loans

The following table sets forth the delinquency status of total loans receivable as of September 30, 2026:


													Greater Than
					Greater Than								90 Days
	30-59 Days		60-90 Days		90 Days		Total Past				Total Loans		Past Due
	Past Due		Past Due		Past Due		Due		Current		Receivable		& Still Accruing
		(In Thousands)

Residential one-to-four family	$	4,146	$	161	$	1,678	$	5,985	$	208,722	$	214,707	$	-
Commercial and multi-family ⁽¹⁾		18,094		5,033		14,307		37,434		1,716,108		1,753,542		-
Cannabis related⁽²⁾		-		-		-		-		4,070		4,070		-
Construction		-		-		-		-		13,434		13,434		-
Commercial business⁽³⁾		3,244		285		635		4,164		122,008		126,172		29
Business express		1,810		567		-		2,377		62,126		64,503		-
Home equity ⁽⁴⁾		1,083		719		107		1,909		70,801		72,710		-
Consumer		300		-		-		300		2,076		2,376		-
Total	$	28,677	$	6,765	$	16,727	$	52,169	$	2,199,345	$	2,251,514	$	29

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

The following table sets forth the delinquency status of total loans receivable at December 31, 2025:



					Greater Than
	30-59 Days		60-90 Days		90 Days		Total Past				Total Loans
	Past Due		Past Due		Past Due		Due		Current		Receivable
		(In Thousands)

Residential one-to-four family	$	4,342	$	279	$	594	$	5,215	$	221,493	$	226,708
Commercial and multi-family ⁽¹⁾		17,600		3,296		51,979		72,875		1,967,893		2,040,768
Cannabis related ⁽²⁾		-		-		-		-		69,293		69,293
Construction ⁽¹⁾		-		-		4,897		4,897		63,624		68,521
Commercial business ^{(1) (3)}		8,583		1,041		2,975		12,599		155,860		168,459
Business express		1,961		-		-		1,961		72,901		74,862
Home equity ⁽⁴⁾		1,289		65		231		1,585		72,747		74,332
Consumer		-		-		-		-		3,580		3,580
Total	$	33,775	$	4,681	$	60,676	$	99,132	$	2,627,391	$	2,726,523

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

‎

Amortized Cost Basis Of Loans To Borrowers


	For the Nine Months Ended September 30, 2026
	(In Thousands)
	Number		Payment Delay		Term Extension		Rate Reduction		Total Principal	% of Total Class of Financing Receivable
Residential one-to-four family	1	$	-	$	-	$	332	$	332	0.15	%
Total loans	1	$	-	$	-	$	332	$	332


	For the Nine Months Ended September 30, 2026
	(In Thousands)
		Current		30-59 Days Past Due		60-90 Days Past Due		Non-accrual		Total
Residential one-to-four family	$	332	$	-	$	-	$	-	$	332
Total	$	332	$	-	$	-	$	-	$	332


	For the Three Months Ended September 30, 2025
	(In Thousands)
	Number		Payment Delay		Term Extension		Rate Reduction & Term Extension		Total Principal	% of Total Class of Financing Receivable
Residential	1	$	168	$	-	$	-	$	168	0.07	%
Commercial business	2		-		-		674		674	0.35
Business express	10		-		2,096		-		2,096	2.68	%
Total loans	13	$	168	$	2,096	$	674	$	2,938


	For the Nine Months Ended September 30, 2025
	(In Thousands)
	Number		Payment Delay		Term Extension		Rate Reduction & Term Extension		Total Principal	% of Total Class of Financing Receivable
Residential	1	$	168	$	-	$	-	$	168	0.07	%
Commercial & multi-family	1		-		25,643		-		25,643	1.23
Commercial business	7		-		985		1,021		2,006	1.04
Business express	96		-		21,064		-		21,064	26.92	%
Total loans	105	$	168	$	47,692	$	1,021	$	48,881


	For the Nine Months Ended September 30, 2025
	(In Thousands)
		Current		30-59 Days Past Due		60-90 Days Past Due		Non-accrual		Total
Residential	$	-	$	-	$	-	$	168	$	168
Commercial & multi-family		25,643		-		-		-		25,643
Commercial business		1,086		-		-		920		2,006
Business express		19,924		491		-		649		21,064
Total	$	46,653	$	491	$	-	$	1,737	$	48,881

Non-Accruing Loans

As of September 30, 2026 and December 31, 2025, non-accrual loans differed from total loans past due 90 days or more because loans that were previously more than 90 days past due are maintained on non-accrual status for a minimum of six months or until the borrower has demonstrated their ability to satisfy the terms of the loan.


	As of September 30, 2026
	(In Thousands)
		Non-accrual loans with an Allowance for Credit Losses		Non-accrual loans without an Allowance for Credit Losses		Total Non-accrual loans		Amortized Cost of Loans Greater Than 90 Days Past Due and Still Accruing
Residential one-to-four family	$	-	$	3,018	$	3,018	$	-
Commercial and multi-family		2,792		14,699		17,491		-
Commercial business		-		1,724		1,724		29
Home equity ⁽¹⁾		-		189		189		-
Total	$	2,792	$	19,630	$	22,422	$	29

(1) Includes Home equity lines of credit.


	As of December 31, 2025
	(In Thousands)
		Non-accrual loans with an Allowance for Credit Losses		Non-accrual loans without an Allowance for Credit Losses		Total Non-accrual loans		Amortized Cost of Loans Greater Than 90 Days Past Due and Still Accruing
Residential one-to-four family	$	-	$	1,554	$	1,554	$	-
Commercial and multi-family		2,500		49,659		52,159		-
Construction		-		4,897		4,897		-
Commercial business ⁽¹⁾		1,660		2,065		3,725		-
Business express		626		-		626		-
Home equity ⁽²⁾		-		294		294		-
Total	$	4,786	$	58,469	$	63,255	$	-

(1) Excludes Business express loans.

(2) Includes Home equity lines of credit.

Loan Portfolio by Pass Rating


Loans by Year of Origination at September 30, 2026
		2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans to Term Loans		Total
Residential one-to-four family
Pass	$	5,722	$	8,855	$	11,760	$	13,971	$	39,328	$	128,214	$	-	$	-	$	207,850
Special Mention		-		-		-		-		2,657		846		-		-		3,503
Substandard		-		-		-		-		-		3,354		-		-		3,354
Total one-to-four family	$	5,722	$	8,855	$	11,760	$	13,971	$	41,985	$	132,414	$	-	$	-	$	214,707

Commercial and multi-family ⁽¹⁾
Pass	$	98,533	$	40,588	$	7,207	$	174,939	$	459,892	$	798,937	$	-	$	-	$	1,580,096
Special Mention		-		8,592		-		-		76,701		44,828		8,500		-		138,621
Substandard		-		-		-		-		1,005		33,680		140		-		34,825
Total Commercial and multi-family	$	98,533	$	49,180	$	7,207	$	174,939	$	537,598	$	877,445	$	8,640	$	-	$	1,753,542

Cannabis related ⁽²⁾
Pass	$	4,070	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	4,070
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Total Cannabis related	$	4,070	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	4,070

Construction ⁽¹⁾
Pass	$	7,826	$	1,244	$	5	$	-	$	206	$	-	$	4,153	$	-	$	13,434
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Total Construction	$	7,826	$	1,244	$	5	$	-	$	206	$	-	$	4,153	$	-	$	13,434

Commercial business^{(1) (3)}
Pass	$	3,593	$	-	$	7,045	$	1,968	$	4,821	$	12,919	$	82,756	$	-	$	113,102
Special Mention		-		-		-		-		-		554		6,459		-		7,013
Substandard		-		-		-		-		-		4,233		1,824		-		6,057
Total Commercial business	$	3,593	$	-	$	7,045	$	1,968	$	4,821	$	17,706	$	91,039	$	-	$	126,172

Business express
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	60,597	$	60,597
Special Mention		-		-		-		-		-		-		-		2,212		2,212
Substandard		-		-		-		-		-		-		-		1,694		1,694
Total Business express	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	64,503	$	64,503

Home equity ⁽⁴⁾
Pass	$	769	$	1,479	$	35	$	2,930	$	1,152	$	4,170	$	57,560	$	3,342	$	71,437
Special Mention		-		-		-		-		-		39		1,045		-		1,084
Substandard		-		-		-		-		12		95		27		55		189
Total Home equity	$	769	$	1,479	$	35	$	2,930	$	1,164	$	4,304	$	58,632	$	3,397	$	72,710

Consumer
Pass	$	407	$	1,200	$	200	$	10	$	251	$	-	$	8	$	-	$	2,076
Special Mention		-		-		-		300		-		-		-		-		300
Substandard		-		-		-		-		-		-		-		-		-
Total Consumer	$	407	$	1,200	$	200	$	310	$	251	$	-	$	8	$	-	$	2,376

Total Pass	$	120,920	$	53,366	$	26,252	$	193,818	$	505,650	$	944,240	$	144,477	$	63,939	$	2,052,662
Total Special Mention	$	-	$	8,592	$	-	$	300	$	79,358	$	46,267	$	16,004	$	2,212	$	152,733
Total Substandard	$	-	$	-	$	-	$	-	$	1,017	$	41,362	$	1,991	$	1,749	$	46,119
Total Loans	$	120,920	$	61,958	$	26,252	$	194,118	$	586,025	$	1,031,869	$	162,472	$	67,900	$	2,251,514
Gross charge-offs	$	765	$	-	$	-	$	10,099	$	35,084	$	38,173	$	3,351	$	14,994	$	102,466

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.

Note 6 - Loans Receivable and Allowance for Credit Losses (Continued)

The following table summarizes the Company's loans by year of origination and internally assigned credit risk rating and gross charge-offs for the year ended December 31, 2025.


Loans by Year of Origination at December 31, 2025
		2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans to Term Loans		Total
Residential one-to-four family
Pass	$	10,255	$	11,887	$	15,164	$	43,691	$	33,586	$	107,069	$	-	$	-	$	221,652
Special Mention		-		-		-		1,802		910		790		-		-		3,502
Substandard		-		-		-		-		445		1,109		-		-		1,554
Total one-to-four family	$	10,255	$	11,887	$	15,164	$	45,493	$	34,941	$	108,968	$	-	$	-	$	226,708

Commercial and multi-family ⁽¹⁾
Pass	$	50,098	$	8,293	$	184,486	$	613,331	$	151,205	$	773,732	$	8,760	$	-	$	1,789,905
Special Mention		-		-		-		28,029		11,307		58,141		140		-		97,617
Substandard		-		-		1,633		68,011		18,795		64,807		-		-		153,246
Total Commercial and multi-family	$	50,098	$	8,293	$	186,119	$	709,371	$	181,307	$	896,680	$	8,900	$	-	$	2,040,768

Cannabis related ⁽²⁾
Pass	$	-	$	-	$	-	$	8,385	$	2,067	$	7,958	$	8,050	$	-	$	26,460
Special Mention		-		-		18,981		17,552		5,442		-		858		-		42,833
Substandard		-		-		-		-		-		-		-		-		-
Total Cannabis related	$	-	$	-	$	18,981	$	25,937	$	7,509	$	7,958	$	8,908	$	-	$	69,293

Construction ⁽¹⁾
Pass	$	917	$	2,004	$	15,752	$	19,460	$	4,403	$	-	$	4,803	$	-	$	47,339
Special Mention		-		-		2,294		-		-		-		-		-		2,294
Substandard		-		-		-		15,715		2,587		586		-		-		18,888
Total Construction	$	917	$	2,004	$	18,046	$	35,175	$	6,990	$	586	$	4,803	$	-	$	68,521

Commercial business ^{(1) (3)}
Pass	$	-	$	7,388	$	1,995	$	4,829	$	1,039	$	24,455	$	93,029	$	-	$	132,735
Special Mention		-		-		-		-		1,458		2,358		18,153		-		21,969
Substandard		-		-		-		-		-		2,047		11,708		-		13,755
Total Commercial business	$	-	$	7,388	$	1,995	$	4,829	$	2,497	$	28,860	$	122,890	$	-	$	168,459

Business express
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$		$	71,843	$	71,843
Special Mention		-		-		-		-		-		-				2,021		2,021
Substandard		-		-		-		-		-		-		397		601		998
Total Business express	$	-	$	-	$	-	$	-	$	-	$	-	$	397	$	74,465	$	74,862

Home equity ⁽⁴⁾
Pass	$	1,796	$	164	$	3,293	$	1,246	$	396	$	4,914	$	57,357	$	4,319	$	73,485
Special Mention		-		-		-		-		-		42		511		-		553
Substandard		-		-		-		-		-		114		30		150		294
Total Home equity	$	1,796	$	164	$	3,293	$	1,246	$	396	$	5,070	$	57,898	$	4,469	$	74,332

Consumer
Pass	$	1,824	$	272	$	1,106	$	290	$	2	$	80	$	6	$	-	$	3,580
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Total Consumer	$	1,824	$	272	$	1,106	$	290	$	2	$	80	$	6	$	-	$	3,580

Total Pass	$	64,890	$	30,008	$	221,796	$	691,232	$	192,698	$	918,208	$	172,005	$	76,162	$	2,366,999
Total Special Mention	$	-	$	-	$	21,275	$	47,383	$	19,117	$	61,331	$	19,662	$	2,021	$	170,789
Total Substandard	$	-	$	-	$	1,633	$	83,726	$	21,827	$	68,663	$	12,135	$	751	$	188,735
Total Loans	$	64,890	$	30,008	$	244,704	$	822,341	$	233,642	$	1,048,202	$	203,802	$	78,934	$	2,726,523
Gross charge-offs	$	-	$	-	$	-	$	12,836	$	282	$	3,848	$	18,166	$	9,592	$	44,724

(1) Excludes Cannabis related loans.

(2) Includes Commercial and multi-family, Construction, and Commercial business loans to borrowers involved in the cannabis industry.

(3) Excludes Business express loans.

(4) Includes Home equity lines of credit.