
	December 31,
	2022		2021
	(In thousands)
Real estate loans:
One-to-four family	$	2,860,184	$	2,092,317
Multifamily	1,239,207		1,041,108
Commercial real estate	2,413,394		2,170,236
Construction	336,553		295,047
Commercial business loans	497,469		452,232
Consumer loans:
Home equity loans and advances	274,302		276,563
Other consumer loans	3,425		1,428
Total gross loans	7,624,534		6,328,931
Purchased credit-deteriorated loans	17,059		6,791
Net deferred loan costs, fees and purchased premiums and discounts	35,971		24,879
Loans receivable	$	7,677,564	$	6,360,601

The Company had no loans held-for-sale at December 31, 2022 and 2021. During the year ended December 31, 2022, the Company sold $2.7 million, $2.8 million, and $4.1 million of one-to-four family real estate loans, SBA loans included in the commercial business loans, and construction loans held-for sale, respectively, resulting in gross gains of $242,000 and gross losses of $64,000. During the year ended December 31, 2021, the Company sold $18.5 million, $19.1 million, $6.4 million, and $258.1 million of one-to-four family real estate loans and home equity loans, commercial real estate loans, construction loans, and commercial business and SBA loans held-for-sale, respectively, resulting in gross gains of $8.6 million and gross losses of $24,000. During the year ended December 31, 2020, the Company sold $111.8 million of one-to-four family real estate loans held-for-sale, resulting gross gains of $1.7 million and no gross losses.

During the years ended December 31, 2022 and 2021, no loans included in loans receivable were sold by the Company. During the year ended December 31, 2020, the Company sold $15.1 million, $13.0 million, and $7.6 million of one-to-four family real estate loans and home equity loans, construction loans, and commercial business loans, respectively, included in loans receivable, resulting in gross gains of $161,000 and no gross losses.

During the year ended December 31, 2022, the Company purchased $8.3 million of one-to-four family real estate loans from third parties. During the year ended December 31, 2021 the Company purchased $11.8 million of one-to-four family real estate loans and $73.6 million of commercial real estate loans from third parties. During the year ended December 31, 2020 there were no loans purchased by the Company.

At December 31, 2022 and 2021, the carrying value of loans serviced by the Company for investors was $497.1 million and $519.5 million, respectively. These loans are not included in the Consolidated Statements of Financial Condition. Servicing income totaled $1.3 million, $1.5 million, and $1.4 million for the years ended December 31, 2022, 2021 and 2020.

The Company has entered into guarantor swaps with Freddie Mac which results in improved liquidity. During the year ended December 31, 2022, no loans were exchanged for Freddie Mac mortgage participation certificates. During the year ended December 31, 2021, the Company exchanged $99.6 million of loans for Freddie Mac mortgage participation certificates, resulting in gross gains of $2.3 million and no gross losses. During the year ended December 31, 2020, the Company exchanged $117.3 million of loans for a Freddie Mac mortgage participation certificates, resulting in gross gains of $3.5 million gross gains and no gross losses. The Company retained servicing of these loans.

The Company has granted loans to certain officers and directors of the Company and its subsidiaries and to their associates. At December 31, 2022 and 2021, such loans totaled approximately $9.3 million and $8.9 million, respectively. During the years ended December 31, 2022, 2021 and 2020 the Columbia Bank granted two new loans to a related party totaling $751,000, one new loan to a related party for $522,700, and.one new loan to a related party for $300,000, respectively. These loans are performing in accordance with their original terms.


	December 31, 2022
	30-59 Days		60-89 Days		90 Days or More		Total Past Due		Non-accrual		Current		Total
	(In thousands)
Real estate loans:
One-to-four family	$	4,063	$	1,149	$	1,808	$	7,020	$	2,730	$	2,853,164	$	2,860,184
Multifamily	—		—		—		—		—		1,239,207		1,239,207
Commercial real estate	—		853		2,892		3,745		2,892		2,409,649		2,413,394
Construction	5,218		—		—		5,218		—		331,335		336,553
Commercial business loans	220		—		474		694		801		496,775		497,469
Consumer loans:
Home equity loans and advances	465		33		286		784		286		273,518		274,302
Other consumer loans	3		1		12		16		12		3,409		3,425
Total loans	$	9,969	$	2,036	$	5,472	$	17,477	$	6,721	$	7,607,057	$	7,624,534


	December 31, 2021
	30-59 Days		60-89 Days		90 Days or More		Total Past Due		Non-accrual		Current		Total
	(In thousands)
Real estate loans:
One-to-four family	$	3,131	$	1,976	$	373	$	5,480	$	1,416	$	2,086,837	$	2,092,317
Multifamily	—		—		—		—		—		1,041,108		1,041,108
Commercial real estate	2,189		—		1,561		3,750		1,561		2,166,486		2,170,236
Construction	—		—		—		—		—		295,047		295,047
Commercial business loans	412		—		203		615		761		451,617		452,232
Consumer loans:
Home equity loans and advances	108		53		81		242		201		276,321		276,563
Other consumer loans	—		4		—		4		—		1,424		1,428
Total loans	$	5,840	$	2,033	$	2,218	10,091		$	3,939	$	6,318,840	$	6,328,931

The Company considers a loan to be delinquent when we have not received a payment within 30 days of its contractual due date. Generally, a loan is designated as a non-accrual loan when the payment of interest is 90 days or more in arrears of its contractual due date. Non-accruing loans are returned to an accrual status after there has been a sustained period of repayment performance (generally six consecutive months of payments) and both principal and interest are deemed collectible. The Company identifies loans that may need to be charged-off as a loss, by reviewing all delinquent loans, classified loans and other loans that management may have concerns about collectability. At December 31, 2022 and 2021, non-accrual loans totaled $6.7 million and $3.9 million, respectively. Included in non-accrual loans at December 31, 2022 and 2021, are 7 and 10 loans totaling $1.2 million and $1.7 million which are less than 90 days in arrears.

If non-accrual loans had performed in accordance with their original terms, interest income would have increased by $392,000, $190,000, and $426,000 for the years ended December 31, 2022, 2021 and 2020, respectively. The amount of cash basis interest income that was recognized on these loans during the years ended December 31, 2022, 2021 and 2020, was $161,000, $242,000, and $410,000, respectively.

At December 31, 2022, there were no loans past due 90 days or more still accruing interest. At December 31, 2021, there were no loans past due 90 days or more still accruing interest other than COVID-19 related loan forbearance and deferrals. In accordance with the CARES Act, these loans were not included in the aging of loans receivable by portfolio segment in the table above, and the Company continued to accrue interest income during the forbearance or deferral period.

Purchased credit impaired loans ("PCI") were loans acquired at a discount primarily due to deteriorated credit quality. These loans were initially recorded at fair value at acquisition, based upon the present value of expected future cash flows, with no related allowance for credit losses. In connection with the adoption of CECL on January 1, 2022, all loans considered PCI loans prior to that date were converted to purchase credit-deteriorated ("PCD") loans. Loans acquired in a business combination after January 1, 2022 are recorded in accordance with ASC Topic 326, which requires loans as of the acquisition date, that have experienced a more than insignificant deterioration in credit quality since origination to be classified as PCD loans.

At December 31, 2022 and 2021, loans acquired in the Stewardship Financial Corporation acquisition totaled $2.0 million and $2.7 million, respectively, PCD loans acquired in the Roselle Bank acquisition totaled $184,000 at both dates, and PCD loans acquired in the Freehold Bank acquisition totaled $3.7 million and $3.9 million, respectively. At December 31, 2022, loans acquired in the RSI Bank acquisition totaled $11.3 million. An initial allowance for credit losses of $633,000 was recorded through a gross-up adjustment to fair values of PCD loans related to the loans acquired in connection with the RSI Bank acquisition.

We may obtain physical possession of real estate collateralizing a residential mortgage loan via foreclosure or through an in-substance repossession. At December 31, 2022 and 2021, the Company had no real estate owned. At December 31, 2022 and 2021, we had two home equity loans and one residential mortgage loans, respectively, with carrying values of $81,000 and $87,000, respectively, collateralized by residential real estate which were in the process of foreclosure.

On January 1, 2022, the Company adopted CECL (ASC Topic 326), which replaced the historical incurred loss methodology with an expected loss methodology. The loan portfolio segmentation was expanded to seven portfolio segments taking into consideration common loan attributes and risk characteristics, as well as historical reporting metrics and data availability. Disclosures at and for the period ended December 31, 2021, are presented in accordance with the expanded segmentation adopted in conjunction with CECL, when appropriate. The Company made an accounting policy election to exclude accrued interest receivable from the amortized cost basis of loans receivable. Accrued interest receivable on loans receivable is reported as a component of accrued interest receivable in the Consolidated Statement of Financial Condition, which totaled $29.4 million at December 31, 2022, and is excluded from the estimate of credit losses. Refer to note 2, Summary of Significant Accounting Policies for additional information on the adoption of Topic 326 and CECL methodology.

Although management believes that the Company has established and maintained the allowance for credit losses at appropriate levels, reserve levels may change if future economic, organizational, and portfolio conditions differ from the forecast. Management evaluates its estimates and assumptions on an ongoing basis, and the estimates and assumptions are adjusted when facts and circumstances necessitate a re-valuation of the estimate. As future events and their effects cannot be determined with precision, actual results could differ significantly from these estimates. Although management uses the best information available, the level of the allowance for credit losses remains an estimate that is subject to significant judgment.


	December 31, 2022
	One-to-Four Family		Multifamily		Commercial Real Estate		Construction		Commercial Business		Home Equity Loans and Advances		Other Consumer Loans		Total
	(In thousands)
Allowance for credit losses:
Individually analyzed loans	$	201	$	3	$	99	$	—	$	10	$	26	$	—	$	339
Collectively analyzed loans	11,591		7,874		17,961		6,415		6,876		1,654		10		52,381
Loans acquired with deteriorated credit quality	10		—		51		10		11		1		—		83
Total	$	11,802	$	7,877	$	18,111	$	6,425	$	6,897	$	1,681	$	10	$	52,803

Total loans:
Individually analyzed loans	$	4,164	$	457	$	16,729	$	—	$	1,173	$	697	$	—	$	23,220
Collectively analyzed loans	2,856,020		1,238,750		2,396,665		336,553		496,296		273,605		3,425		7,601,314
Loans acquired with deteriorated credit quality	2,158		—		13,116		1,040		496		249		—		17,059
Total loans	$	2,862,342	$	1,239,207	$	2,426,510	$	337,593	$	497,965	$	274,551	$	3,425	$	7,641,593


	December 31, 2021
	One-to-Four Family		Multifamily		Commercial Real Estate		Construction		Commercial Business		Home Equity Loans and Advances		Other Consumer Loans		Total
	(In thousands)
Allowance for credit losses:
Individually analyzed loans	$	258	$	—	$	97	$	—	$	16	$	7	$	—	$	378
Collectively analyzed loans	8,540		7,741		16,017		8,943		20,198		866		6		62,311
Loans acquired with deteriorated credit quality	—		—		—		—		—		—		—		—
Total	$	8,798	$	7,741	$	16,114	$	8,943	$	20,214	$	873	$	6	$	62,689

Total loans:
Individually analyzed loans	$	5,184	$	762	$	15,830	$	—	$	1,806	$	705	$	—	$	24,287
Collectively analyzed loans	2,087,133		1,040,346		2,154,406		295,047		450,426		275,858		1,428		6,304,644
Loans acquired with deteriorated credit quality	431		—		5,426		—		934		—		—		6,791
Total loans	$	2,092,748	$	1,041,108	$	2,175,662	$	295,047	$	453,166	$	276,563	$	1,428	$	6,335,722

Loan modifications to borrowers experiencing financial difficulties that are considered troubled debt restructurings ("TDRs") primarily involve the lowering of the monthly payments on such loans through either a reduction in interest rate below a market rate, an extension of the term of the loan without a corresponding adjustment to the risk premium reflected in the interest rate, or a combination of these two methods. These modifications generally do not result in the forgiveness of principal or accrued interest. In addition, the Company attempts to obtain additional collateral or guarantor support when modifying such loans. Non-accruing restructured loans may be returned to accrual status when there has been a sustained period of repayment performance (generally six consecutive months of payments) and both principal and interest are deemed collectible.

Section 4013 of the CARES Act, “Temporary Relief from Troubled Debt Restructurings,” allows banks to temporarily suspend certain requirements under GAAP related to TDRs for a limited period of time to account for the effects of COVID-19. The Company elected to account for modifications on certain loans under Section 4013 of the CARES Act or, if the loan modification was not eligible under Section 4013, used the criteria in the COVID-19 guidance to determine when the loan modification was not a TDR in accordance with ASC 310-40. Guidance noted that modification or deferral programs mandated by the federal or a state government related to COVID-19 would not be in the scope of ASC 310-40, such as a state program that requires all institutions within that state to suspend mortgage payments for a specified period. These short-term loan modifications were not treated as troubled debt restructurings during the short-term modification period if the loan was not in arrears at December 31, 2019. Furthermore, based on current evaluations, generally, we have continued the accrual of interest on these loans during the short-term modification period. The Consolidated Appropriations Act, 2021, which was enacted in late December 2020, extended certain provisions of the CARES Act through January 1, 2022, including provisions permitting loan deferral extension requests to not be treated as troubled debt restructurings.

The following tables present the number of loans modified as TDRs during the years ended December 31, 2022, 2021 and 2020, along with their balances immediately prior to the modification date and post-modification. Post-modification recorded investment represents the net book balance immediately following modification.


	For the Years Ended December 31,
	2022					2021
	No. of Loans	Pre-modification Recorded Investment		Post-modification Recorded Investment		No. of Loans	Pre-modification Recorded Investment		Post-modification Recorded Investment
	(Dollars in thousands)
Troubled Debt Restructurings
Real estate loans:
One-to-four family	—	$	—	$	—	2	$	285	$	388
Commercial real estate	—	—		—		1	192		211


Consumer loans:
Home equity loans and advances	1	119		119		—	—		—

Total restructured loans	1	$	119	$	119	3	$	477	$	599


	For the Year Ended December 31,
	2020
	No. of Loans	Pre-modification Recorded Investment		Post-modification Recorded Investment
		(Dollars in thousands)
Troubled Debt Restructurings
Real estate loans:
Commercial real estate	5	$	17,022	$	17,022

Commercial business loans	2	11,507		12,802



Total restructured loans	7	$	28,529	$	29,824


	Years Ended December 31,
	2022		2021		2020
	(In thousands)

Balance at beginning of period	$	62,689	$	74,676	$	61,709
Impact of Adopting ASU No. 2016-13 ("CECL") effective January 1, 2022	(16,443)		—		—
Initial allowance related to PCD loans	633		—		—
Provision for (reversal of) credit losses	5,969		(9,953)		18,447
Recoveries	593		1,530		823
Charge-offs	(638)		(3,564)		(6,303)
Balance at end of period	$	52,803	$	62,689	$	74,676


	For the Year Ended December 31, 2022
	One-to-Four Family		Multifamily		Commercial Real Estate		Construction		Commercial Business		Home Equity Loans and Advances		Other Consumer Loans		Total
	(In thousands)

Balance at beginning of period	$	8,798	$	7,741	$	16,114	$	8,943	$	20,214	$	873	$	6	$	62,689
Impact of adopting ASU No. 2016-13	(2,308)		(2,030)		(4,227)		(2,346)		(5,302)		(229)		(1)		(16,443)
Initial allowance related to PCD loans	131		—		474		3		19		6		—		633
Provision for (reversal of) credit losses	5,225		2,166		5,750		(175)		(8,052)		1,019		36		5,969
Recoveries	338		—		—		—		208		45		2		593
Charge-offs	(382)		—		—		—		(190)		(33)		(33)		(638)
Balance at end of period	$	11,802	$	7,877	$	18,111	$	6,425	$	6,897	$	1,681	$	10	$	52,803


	For the Year Ended December 31, 2021
	One-to-Four Family		Multifamily		Commercial Real Estate		Construction		Commercial Business		Home Equity Loans and Advances		Other Consumer Loans		Total
	(In thousands)

Balance at beginning of period	$	13,586	$	8,799	$	21,882	$	11,271	$	17,384	$	1,748	$	6	$	74,676
Provision for (reversal of) credit losses	(4,037)		(978)		(6,376)		(2,330)		4,384		(623)		7		(9,953)
Recoveries	22		216		1,015		2		219		56		—		1,530
Charge-offs	(773)		(296)		(407)		—		(1,773)		(308)		(7)		(3,564)
Balance at end of period	$	8,798	$	7,741	$	16,114	$	8,943	$	20,214	$	873	$	6	$	62,689


	For the Year Ended December 31, 2020
	One-to-Four Family		Multifamily		Commercial Real Estate		Construction		Commercial Business		Home Equity Loans and Advances		Other Consumer Loans		Total
	(In thousands)

Balance at beginning of period	$	13,780	$	6,434	$	16,546	$	7,435	$	15,836	$	1,669	$	9	$	61,709
Provision for (reversal of) credit losses	1,299		2,365		5,348		3,835		5,360		239		1		18,447
Recoveries	438		—		16		1		308		60		—		823
Charge-offs	(1,931)		—		(28)		—		(4,120)		(220)		(4)		(6,303)
Balance at end of period	$	13,586	$	8,799	$	21,882	$	11,271	$	17,384	$	1,748	$	6	$	74,676


	At December 31, 2022
	Recorded Investment		Unpaid Principal Balance		Specific Allowance
	(In thousands)
With no allowance recorded:
Real estate loans:
One-to-four family	$	1,296	$	1,644	$	—
Multifamily	59		63		—
Commercial real estate	14,836		15,699		—
Commercial business loans	143		400		—
Consumer loans:
Home equity loans and advances	223		315		—
	16,557		18,121		—
With a specific allowance recorded:
Real estate loans:
One-to-four family	2,868		2,887		201
Multifamily	398		397		3
Commercial real estate	1,893		1,896		99
Commercial business loans	1,030		1,030		10
Consumer loans:
Home equity loans and advances	474		474		26
	6,663		6,684		339
Total:
Real estate loans:
One-to-four family	4,164		4,531		201
Multifamily	457		460		3
Commercial real estate	16,729		17,595		99
Commercial business loans	1,173		1,430		10
Consumer loans:
Home equity loans and advances	697		789		26
Total loans	$	23,220	$	24,805	$	339


	At December 31, 2021
	Recorded Investment		Unpaid Principal Balance		Specific Allowance
	(In thousands)
With no allowance recorded:
Real estate loans:
One-to-four family	$	1,882	$	2,421	$	—
Multifamily	762		765		—
Commercial real estate	13,861		14,586		—
Commercial business loans	573		573		—
Consumer loans:
Home equity loans and advances	202		308		—
	17,280		18,653		—
With a specific allowance recorded:
Real estate loans:
One-to-four family	3,302		3,321		258

Commercial real estate	1,969		1,971		97
Commercial business loans	1,233		1,233		16
Consumer loans:
Home equity loans and advances	503		503		7
	7,007		7,028		378
Total:
Real estate loans:
One-to-four family	5,184		5,742		258
Multifamily	762		765		—
Commercial real estate	15,830		16,557		97
Commercial business loans	1,806		1,806		16
Consumer loans:
Home equity loans and advances	705		811		7
Total loans	$	24,287	$	25,681	$	378

Specific allocations of the allowance for credit losses attributable to individually analyzed loans totaled $339,000 and $378,000 at December 31, 2022 and 2021, respectively. At December 31, 2022 and 2021, impaired loans for which there was no related allowance for credit losses totaled $16.6 million and $17.3 million, respectively.


	For the Years Ended December 31,
	2022				2021				2020
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In thousands)
Real estate loans:
One-to-four family	$	4,385	$	203	$	5,738	$	285	$	7,946	$	305
Multifamily	598		28		8,420		371		—		—
Commercial real estate	16,479		733		16,913		467		23,701		1,091

Commercial business loans	1,289		88		2,121		139		4,963		216
Consumer loans:
Home equity loans and advances	785		39		1,119		43		1,909		100
Totals	$	23,536	$	1,091	$	34,311	$	1,305	$	38,519	$	1,712

The recorded investment in TDRs totaled $19.9 million at December 31, 2022, of which one loan with a balance of $23,000 was over 90 days past due. The remaining loans modified were current at the time of restructuring and have complied with the terms of their restructure agreement at December 31, 2022. The recorded investment in TDRs totaled $21.3 million at December 31, 2021, of which no loans were over 90 days past due, and one loan with a balance of $36,000 was 30-59 days past due. The remaining loans modified were current at the time of restructuring and have complied with the terms of their restructure agreement at December 31, 2021.

Management prepares an analysis each quarter that categorizes the entire loan portfolio by certain risk characteristics such as loan type (residential mortgage, commercial mortgage, construction, commercial business, etc.) and loan risk rating. The categorization of loans into risk categories is based upon relevant information about the borrower's ability to service their debt.

The Company utilizes an eight-point risk rating system to summarize its loan portfolio into categories with similar risk characteristics. Loans deemed to be “acceptable quality” are rated 1 through 4 (Pass), with a rating of 1 established for loans with minimal risk. Loans that are deemed to be of “questionable quality” are rated 5 (Special Mention) or 6 (Substandard). Loans with adverse classifications are rated 7 (Doubtful) or 8 (Loss). The risk ratings are also confirmed through periodic loan review examinations which are currently performed by both an independent third-party and the Company's credit risk review department. The Company requires an annual review be performed above certain dollar thresholds, depending on loan type, to help determine the appropriate risk ratings. Results from examinations are presented to the Audit Committee of the Board of Directors.


	Loans by Year of Origination at December 31, 2022
	2022		2021		2020		2019		2018		Prior		Revolving Loans		Revolving Loans to Term Loans		Total
	(In thousands)
One-to-Four Family
Pass	$	829,363	$	836,355	$	294,721	$	177,114	$	125,057	$	595,097	$	—	$	—	$	2,857,707
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		641		—		681		320		835		—		—		2,477


Total One-to-Four Family	829,363		836,996		294,721		177,795		125,377		595,932		—		—		2,860,184

Multifamily
Pass	315,157		309,611		167,955		205,608		38,849		197,489		—		—		1,234,669
Special mention	—		—		—		—		—		4,538		—		—		4,538
Substandard	—		—		—		—		—		—		—		—		—


Total Multifamily	315,157		309,611		167,955		205,608		38,849		202,027		—		—		1,239,207

Commercial Real Estate
Pass	448,313		392,689		170,125		260,268		231,868		852,104		—		—		2,355,367
Special mention	—		478		1,843		892		15,498		20,939		—		—		39,650
Substandard	—		—		1,286		1,607		—		15,484		—		—		18,377


Total Commercial Real Estate	448,313		393,167		173,254		262,767		247,366		888,527		—		—		2,413,394

Construction
Pass	159,751		104,339		28,058		14,216		870		29,319		—		—		336,553
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—


Total Construction	$	159,751	$	104,339	$	28,058	$	14,216	$	870	$	29,319	$	—	$	—	$	336,553


	Loans by Year of Origination at December 31, 2022
	2022		2021		2020		2019		2018		Prior		Revolving Loans		Revolving Loans to Term Loans		Total
	(In thousands)
Commercial Business
Pass	$	58,631	$	32,880	$	32,788	$	20,705	$	24,634	$	27,277	$	280,857	$	—	$	477,772
Special mention	—		110		63		1,137		1,030		38		10,761		—		13,139
Substandard	—		224		60		—		2,085		315		3,874		—		6,558


Total Commercial Business	58,631		33,214		32,911		21,842		27,749		27,630		295,492		—		497,469

Home Equity Loans and Advances
Pass	22,903		20,476		13,770		12,070		11,126		88,251		105,005		457		274,058
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		188		56		—		244


Total Home Equity Loans and Advances	22,903		20,476		13,770		12,070		11,126		88,439		105,061		457		274,302

Other Consumer Loans
Pass	2,669		87		100		102		30		96		341		—		3,425
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—


Total Other Consumer Loans	2,669		87		100		102		30		96		341		—		3,425

Total Loans	$	1,836,787	$	1,697,890	$	710,769	$	694,400	$	451,367	$	1,831,970	$	400,894	$	457	$	7,624,534


	Loans by Year of Origination at December 31, 2021
	2021		2020		2019		2018		2017		Prior		Revolving Loans		Revolving Loans to Term Loans		Total
	(In thousands)
One-to-Four Family
Pass	$	793,848	$	298,815	$	196,244	$	138,215	$	134,811	$	525,615	$	—	$	—	$	2,087,548
Special mention	—		—		—		—		—		203		—		—		203
Substandard	—		—		1,463		1,420		360		1,323		—		—		4,566


Total One-to-Four family	793,848		298,815		197,707		139,635		135,171		527,141		—		—		2,092,317

Multifamily
Pass	312,738		181,285		231,252		47,024		131,169		137,640		—		—		1,041,108
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—


Total Multifamily	312,738		181,285		231,252		47,024		131,169		137,640		—		—		1,041,108

Commercial Real Estate
Pass	381,222		161,136		278,581		241,669		222,752		803,945		—		—		2,089,305
Special mention	—		—		1,303		16,070		1,885		34,788		—		—		54,046
Substandard	—		386		—		1,561		1,276		23,662		—		—		26,885


Total Commercial Real Estate	381,222		161,522		279,884		259,300		225,913		862,395		—		—		2,170,236

Construction
Pass	107,070		77,549		37,498		41,591		28,814		2,418		—		—		294,940
Special mention	—		—		107		—		—		—		—		—		107
Substandard	—		—		—		—		—		—		—		—		—


Total Construction	$	107,070	77,549		$	37,605	$	41,591	$	28,814	$	2,418	$	—	$	—	$	295,047


	Loans by Year of Origination at December 31, 2021
	2021		2020		2019		2018		2017		Prior		Revolving Loans		Revolving Loans to Term Loans		Total
	(In thousands)
Commercial Business
Pass	$	84,113	$	36,115	$	25,156	$	30,670	$	21,762	$	26,515	$	210,597	$	—	$	434,928
Special mention	246		15		1,729		1,369		18		46		3,291		—		6,714
Substandard	192		71		352		1,084		371		609		7,911		—		10,590


Total Commercial Business	84,551		36,201		27,237		33,123		22,151		27,170		221,799		—		452,232

Home Equity Loans and Advances
Pass	22,393		15,977		15,906		13,146		12,023		100,870		95,484		426		276,225
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		246		92		—		338


Total Home Equity Loans and Advances	22,393		15,977		15,906		13,146		12,023		101,116		95,576		426		276,563

Other Consumer Loans
Pass	659		58		284		60		9		5		353		—		1,428
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—


Total Other Consumer Loans	659		58		284		60		9		5		353		—		1,428

Total Loans	$	1,702,481	$	771,407	$	789,875	$	533,879	$	555,250	$	1,657,885	$	317,728	$	426	$	6,328,931