The following table presents the loans to customers as of June 30, 2025, based on year of origination within each credit quality indicator:

At June 30, 2025

Unaudited

(In thousands)


															Revolving
															Loans
															Converted
													Revolving		to Term
													Loans		Loans
													Amortized		Amortized
	2025		2024		2023		2022		2021		Prior		Cost Basis		Cost Basis		Total
Mortgage loans on real estate:
One-to-four-family first lien residential:
Pass	$	854	$	2,908	$	11,076	$	17,336	$	10,727	$	53,470	$	—	$	—	$	96,371
Total		854		2,908		11,076		17,336		10,727		53,470		—		—		96,371
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Residential construction:
Pass		—		757		—		117		—		152		—		—		1,026
Total		—		757		—		117		—		152		—		—		1,026
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Home equity loans and lines of credit:
Pass		89		651		—		—		—		63		13,366		112		14,281
Total		89		651		—		—		—		63		13,366		112		14,281
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Commercial:
Pass		13,177		8,998		12,034		8,127		6,762		18,062		—		—		67,160
Special Mention		—		583		—		—		—		—		—		—		583
Substandard		—		495		—		—		—		1,665		—		—		2,160
Total		13,177		10,076		12,034		8,127		6,762		19,727		—		—		69,903
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Commercial and Industrial:
Pass		3,230		5,208		4,374		3,405		1,580		2,658		—		—		20,455
Special Mention		—		324		110		1,656		—		—		—		—		2,090
Substandard		—		662		—		—		—		—		—		—		662
Total		3,230		6,194		4,484		5,061		1,580		2,658		—		—		23,207
Current period gross write-offs		—		—		644		7		4		(2)		—		—		653

Consumer:
Pass		498		2,034		865		1,054		250		268		93		1		5,063
Total		498		2,034		865		1,054		250		268		93		1		5,063
Current period gross write-offs	$	—	$	15	$	6	$	—	$	—	$	—	$	—	$	—	$	21

The following tables present the loans to customers as of December 31, 2024, based on year of origination within each credit quality indicator:

At December 31, 2024

(In thousands)


															Revolving
															Loans
															Converted
													Revolving		to Term
													Loans		Loans
													Amortized		Amortized
	2024		2023		2022		2021		2020		Prior		Cost Basis		Cost Basis		Total
Mortgage loans on real estate:
One-to-four-family first lien residential:
Pass	$	5,633	$	12,938	$	18,451	$	11,101	$	7,929	$	45,184	$	—	$	—	$	101,236
Total		5,633		12,938		18,451		11,101		7,929		45,184		—		—		101,236
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Residential construction:
Pass		1,006		—		120		—		101		61		—		—		1,288
Total		1,006		—		120		—		101		61		—		—		1,288
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Home equity loans and lines of credit:
Pass		768		—		—		—		—		65		10,895		188		11,916
Total		768		—		—		—		—		65		10,895		188		11,916
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Commercial:
Pass		9,609		12,513		8,375		6,939		4,434		15,124		—		—		56,994
Substandard		500		—		—		—		97		1,914		—		—		2,511
Total		10,109		12,513		8,375		6,939		4,531		17,038		—		—		59,505
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Commercial and Industrial:
Pass		6,145		5,802		5,975		1,656		1,502		1,593		—		—		22,673
Substandard		738		—		—		—		—		—		—		—		738
Total		6,883		5,802		5,975		1,656		1,502		1,593		—		—		23,411
Current period gross write-offs		—		31		—		25		—		22		—		—		78

Consumer:
Pass		2,536		1,038		1,406		271		47		41		—		—		5,339
Total		2,536		1,038		1,406		271		47		41		—		—		5,339
Current period gross write-offs	$	4	$	10	$	4	$	—	$	—	$	—	$	—	$	—	$	18


June 30, 2025 Unaudited
(In thousands)
			Nonaccrual
			loans
			without
			related
			allowance
			for		Recognized
	Nonaccrual		credit		interest
	loans		losses		income
Mortgage loans on real estate:
One-to four-family first lien	$	369	$	369	$	—
Residential construction		—		—		—
Home equity loans and lines of credit		—		—		—
Commercial		43		43		—
Consumer loans		—		—		—
Total nonaccrual loans	$	412	$	412	$	—


December 31, 2024
(In thousands)
			Nonaccrual
			loans
			without
			related
			allowance
			for		Recognized
	Nonaccrual		credit		interest
	loans		losses		income
Mortgage loans on real estate:
One-to four-family first lien	$	369	$	369	$	—
Residential construction		—		—		—
Home equity loans and lines of credit		—		—		—
Commercial		46		—		—
Consumer loans		—		—		—
Total nonaccrual loans	$	415	$	369	$	—


	Amortized Cost
	Basis		% of Total Class
	at June 30, 2025		of Financing
	(Unaudited)		Receivable
Mortgage loans on real estate:
Commercial	$	485	0.69	%
Total	$	485