The following tables present loans as of September 30, 2025, based on year of origination within each credit quality indicator:

At September 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	$	612	$	2,728	$	10,818	$	17,025	$	10,543	$	51,766	$	—	$	—	$	93,492
Total		612		2,728		10,818		17,025		10,543		51,766		—		—		93,492
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Residential construction:
Pass		968		754		—		115		—		148		—		—		1,985
Total		968		754		—		115		—		148		—		—		1,985
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Home equity loans and lines of credit:
Pass		222		642		—		—		—		59		14,071		190		15,184
Total		222		642		—		—		—		59		14,071		190		15,184
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Commercial:
Pass		17,858		9,221		11,449		7,456		6,673		17,297		—		—		69,954
Special Mention		—		580		—		—		—		—		—		—		580
Substandard		—		493		735		—		—		1,628		—		—		2,856
Total		17,858		10,294		12,184		7,456		6,673		18,925		—		—		73,390
Current period gross write-offs		—		—		—		—		—		—		—		—		—

Commercial and Industrial:
Pass		10,633		4,756		4,232		1,769		2,076		2,370		—		—		25,836
Special Mention		32		306		102		110		—		—		—		—		550
Total		10,665		5,062		4,334		1,879		2,076		2,370		—		—		26,386
Current period gross write-offs		—		—		652		7		4		14		—		—		677

Consumer:
Pass		627		1,878		797		990		246		168		77		1		4,784
Total		627		1,878		797		990		246		168		77		1		4,784
Current period gross write-offs	$	—	$	28	$	5	$	—	$	—	$	1	$	—	$	—	$	34

The following table presents loans 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


September 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	$	540	$	540	$	—
Residential construction		—		—		—
Home equity loans and lines of credit		—		—		—
Commercial		42		42		—
Consumer loans		—		—		—
Total nonaccrual loans	$	582	$	582	$	—


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 September 30, 2025		of Financing
	(Unaudited)		Receivable
Mortgage loans on real estate:
Commercial	$	493	0.67	%
Total	$	493