LOANS (Tables)

3 Months Ended

Mar. 31, 2026

LOANS

Schedule of major classifications of loans

	March 31, 2026		December 31, 2025
Mortgage loans on real estate:
Single family	$	41,693,508	$	41,228,633
Multifamily and nonresidential		22,329,275		21,432,455
Construction and land		2,235,527		2,652,831
Second mortgage		3,024,119		2,772,340
Commercial		7,267,327		7,657,780
Consumer loans		15,689,905		17,471,750
	$	92,239,661	$	93,215,789
Less: Net deferred loan origination fees		(226,468)		(224,420)
Allowance for credit losses		(436,986)		(435,675)
Loans, net	$	91,576,207	$	92,555,694

Schedule of allowances for credit losses

			Multifamily
	Single		and non-		Construction		Second
	Family		residential		and Land		Mortgage		Commercial		Consumer		Total
2026
Allowance for credit losses: Balance, January 1, 2026	$	224,121	$	98,523	$	12,199	$	506	$	20,185	$	80,141	$	435,675
Provision for credit losses		7,278		3,951		(1,969)		(60)		(1,228)		(7,972)		—
Charge offs		—		—		—		—		—		—		—
Recoveries		1,311		—		—		—		—		—		1,311
Balance, March 31, 2026	$	232,710	$	102,474	$	10,230	$	446	$	18,957	$	72,169	$	436,986

			Multifamily
	Single		and non-		Construction		Second
	Family		residential		and Land		Mortgage		Commercial		Consumer		Total
2025
Allowance for credit losses: Balance, January 1, 2025	$	226,570	$	83,899	$	4,017	$	268	$	25,665	$	11,418	$	351,837
Provision for credit losses		(12,365)		14,624		8,182		238		(5,480)		68,723		73,922
Charge-offs		—		—		—		—		—		—		—
Recoveries		9,916		—		—		—		—		—		9,916
Balance, December 31, 2025	$	224,121	$	98,523	$	12,199	$	506	$	20,185	$	80,141	$	435,675

	March 31, 2026		December 31, 2025
Allowance for credit losses for unfunded loan commitments:
Beginning Balance	$	5,073	$	9,412
Provision (credit)		—		(4,339)
Ending Balance	$	5,073	$	5,073

Schedule of provision for credit losses

	March 31, 2026		March 31, 2025
Loans	$	—	$	—
Unfunded loan commitments		—		—
Total	$	—	$	—

Schedule of loans by grading category and year

March 31, 2026
	2026		2025		2024		2023		2022		Prior		Revolving		Total
Single family
Pass	$	1,052,384	$	5,856,426	$	3,206,035	$	3,667,325	$	6,142,292	$	21,702,738	$	—	$	41,627,200
Special mention		—		—		—		—		—		38,981		—		38,981
Substandard		—		—		—		—		—		27,327		—		27,327
Doubtful		—		—		—		—		—		—		—		—
Total	$	1,052,384	$	5,856,426	$	3,206,035	$	3,667,325	$	6,142,292	$	21,769,046	$	—	$	41,693,508
Gross charge offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multifamily and nonresidential
Pass	$	400,000	$	5,676,671	$	1,329,875	$	973,116	$	4,378,636	$	8,820,947	$	750,030	$	22,329,275
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	400,000	$	5,676,671	$	1,329,875	$	973,116	$	4,378,636	$	8,820,947	$	750,030	$	22,329,275
Gross charge offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction and land
Pass	$	—	$	1,526,301	$	—	$	302,271	$	67,345	$	339,610	$	—	$	2,235,527
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	1,526,301	$	—	$	302,271	$	67,345	$	339,610	$	—	$	2,235,527
Gross charge offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Second mortgage
Pass	$	—	$	54,369	$	—	$	24,464	$	—	$	4,637	$	2,940,649	$	3,024,119
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	54,369	$	—	$	24,464	$	—	$	4,637	$	2,940,649	$	3,024,119
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial
Pass	$	—	$	389,110	$	865,384	$	967,519	$	1,178,743	$	720,023	$	3,146,548	$	7,267,327
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	389,110	$	865,384	$	967,519	$	1,178,743	$	720,023	$	3,146,548	$	7,267,327
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer loans
Pass	$	212	$	14,143,451	$	1,522,656	$	—	$	—	$	—	$	23,586	$	15,689,905
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	212	$	14,143,451	$	1,522,656	$	—	$	—	$	—	$	23,586	$	15,689,905
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31, 2025
	2025		2024		2023		2022		2021		Prior		Revolving		Total
Single family
Pass	$	5,983,526	$	2,694,260	$	3,707,506	$	6,191,774	$	7,731,470	$	14,847,338	$	—	$	41,155,874
Special mention		—		—		—		—		—		41,414		—		41,414
Substandard		—		—		—		—		—		31,345		—		31,345
Doubtful		—		—		—		—		—		—		—		—
Total	$	5,983,526	$	2,694,260	$	3,707,506	$	6,191,774	$	7,731,470	$	14,920,097	$	—	$	41,228,633
Gross charge offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multifamily and nonresidential Pass
Pass	$	5,703,362	$	1,338,858	$	981,509	$	4,425,969	$	1,975,842	$	7,006,915	$	—	$	21,432,455
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	5,703,362	$	1,338,858	$	981,509	$	4,425,969	$	1,975,842	$	7,006,915	$	—	$	21,432,455
Gross charge offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction and land
Pass	$	1,228,023	$	706,450	$	303,735	$	69,497	$	—	$	345,126	$	—	$	2,652,831
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	1,228,023	$	706,450	$	303,735	$	69,497	$	—	$	345,126	$	—	$	2,652,831
Gross charge offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Second mortgage
Pass	$	55,716	$	—	$	25,054	$	—	$	—	$	15,899	$	2,675,671	$	2,772,340
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	55,716	$	—	$	25,054	$	—	$	—	$	15,899	$	2,675,671	$	2,772,340
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial
Pass	$	395,075	$	882,621	$	1,006,291	$	1,236,962	$	110,556	$	756,438	$	3,269,837	$	7,657,780
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	395,075	$	882,621	$	1,006,291	$	1,236,962	$	110,556	$	756,438	$	3,269,837	$	7,657,780
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer loans
Pass	$	15,361,842	$	2,086,467	$	—	$	—	$	—	$	23,441	$	—	$	17,471,750
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	15,361,842	$	2,086,467	$	—	$	—	$	—	$	23,441	$	—	$	17,471,750
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Schedule of loan portfolio aging analysis

					Greater
	30-59 Days		60-89 Days		Than		Total
	Past Due		Past Due		90 Days		Past Due		Current		Total
March 31, 2026
Mortgage loans on real estate:
Single family	$	86,817	$	—	$	—	$	86,817	$	41,606,691	$	41,693,508
Multifamily and nonresidential		—		—		—		—		22,329,275		22,329,275
Construction and land		—		—		—		—		2,235,527		2,235,527
Second mortgage		—		—		—		—		3,024,119		3,024,119
Commercial		—		—		—		—		7,267,327		7,267,327
Consumer		—		—		—		—		15,689,905		15,689,905
Total	$	86,817	$	—	$	—	$	86,817	$	92,152,844	$	92,239,661

					Greater
	30-59 Days		60-89 Days		Than		Total
	Past Due		Past Due		90 Days		Past Due		Current		Total
December 31, 2025
Mortgage loans on real estate:
Single family	$	85,171	$	31,772	$	2,213	$	119,156	$	41,109,477	$	41,228,633
Multifamily and nonresidential		—		—		—		—		21,432,455		21,432,455
Construction and land		—		—		—		—		2,652,831		2,652,831
Second mortgage		—		—		—		—		2,772,340		2,772,340
Commercial		—		—		—		—		7,657,780		7,657,780
Consumer		—		—		—		—		17,471,750		17,471,750
Total	$	85,171	$	31,772	$	2,213	$	119,156	$	93,096,633	$	93,215,789

Schedule of nonaccrual loans

	March 31, 2026		December 31, 2025
Single family	$	94,780	$	104,146
Multifamily and nonresidential		—		—
Total	$	94,780	$	104,146