LOANS (Tables)

6 Months Ended

Jun. 30, 2026

LOANS

Schedule of major classifications of loans

	June 30, 2026		December 31, 2025
Mortgage loans on real estate:
Single family	$	41,531,364	$	41,228,633
Multifamily and nonresidential		21,897,824		21,432,455
Construction and land		2,658,635		2,652,831
Second mortgage		3,833,873		2,772,340
Commercial		7,202,149		7,657,780
Consumer loans		15,406,521		17,471,750
	$	92,530,366	$	93,215,789
Less: Net deferred loan origination fees		(222,360)		(224,420)
Allowance for credit losses		(438,595)		(435,675)
Loans, net	$	91,869,411	$	92,555,694

Schedule of allowances for credit losses

			Multifamily
	Single		and non-		Construction		Second
	Family		residential		and Land		Mortgage		Commercial		Consumer		Total
Three Months Ended June 30, 2026
Allowance for credit losses: Balance, April 1, 2026	$	232,710	$	102,474	$	10,230	$	446	$	18,957	$	72,169	$	436,986
Provision for credit losses		5,308		(1,969)		1,946		(9)		(3,979)		(1,297)		—
Charge offs		—		—		—		—		—		—		—
Recoveries		1,609		—		—		—		—		—		1,609
Balance, June 30, 2026	$	239,627	$	100,505	$	12,176	$	437	$	14,978	$	70,872	$	438,595
			Multifamily
	Single		and non-		Construction		Second
	Family		residential		and Land		Mortgage		Commercial		Consumer		Total
Three Months Ended June 30, 2025
Allowance for credit losses: Balance, April 1, 2025	$	226,194	$	81,139		6,050	$	534	$	26,865	$	13,877	$	354,659
Provision for credit losses		(28,261)		(2,849)		391		(122)		(8,403)		52,184		12,940
Charge-offs		—		—		—		—		—		—		—
Recoveries		2,828		—		—		—		—		—		2,828
Balance, June 30, 2025	$	200,761	$	78,290	$	6,441	$	412	$	18,462	$	66,061	$	370,427

			Multifamily
	Single		and non-		Construction		Second
	Family		residential		and Land		Mortgage		Commercial		Consumer		Total
Six Months Ended June 30, 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		12,586		1,982		(23)		(69)		(5,207)		(9,269)		—
Charge offs		—		—		—		—		—		—		—
Recoveries		2,920		—		—		—		—		—		2,920
Balance, June 30, 2026	$	239,627	$	100,505	$	12,176	$	437	$	14,978	$	70,872	$	438,595
			Multifamily
	Single		and non-		Construction		Second
	Family		residential		and Land		Mortgage		Commercial		Consumer		Total
Six Months Ended June 30, 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		(31,459)		(5,609)		2,424		144		(7,203)		54,643		12,940
Charge-offs		—		—		—		—		—		—		—
Recoveries		5,650		—		—		—		—		—		5,650
Balance, June 30, 2025	$	200,761	$	78,290	$	6,441	$	412	$	18,462	$	66,061	$	370,427

	Three Months Ended				Six Months Ended
	June 30,				June 30,
		2026		2025		2026		2025
Allowance for credit losses for unfunded loan commitments:
Beginning Balance	$	5,073	$	9,412	$	5,073	$	9,412
Provision (credit)		—		—		—		—
Ending Balance	$	5,073	$	9,412	$	5,073	$	9,412

Schedule of provision for credit losses

	Three Months Ended				Six Months Ended
	June 30,				June 30,
		2026		2025		2026		2025
Loans	$	—	$	12,940	$	—	$	12,940
Unfunded loan commitments		—		—		—		—
Total	$	—	$	12,940	$	—	$	12,940

Schedule of loans by grading category and year

June 30, 2026
	2026		2025		2024		2023		2022		Prior		Revolving		Total
Single family
Pass	$	2,293,126	$	5,828,052	$	3,184,041	$	3,606,281	$	6,092,035	$	20,417,883	$	—	$	41,421,418
Special mention		—		—		—		—		—		36,418		—		36,418
Substandard		—		—		—		—		—		73,528		—		73,528
Doubtful		—		—		—		—		—		—		—		—
Total	$	2,293,126	$	5,828,052	$	3,184,041	$	3,606,281	$	6,092,035	$	20,527,829	$	—	$	41,531,364
Gross charge offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multifamily and nonresidential
Pass	$	398,990	$	5,649,532	$	1,320,729	$	723,788	$	4,330,762	$	8,678,464	$	795,559	$	21,897,824
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	398,990	$	5,649,532	$	1,320,729	$	723,788	$	4,330,762	$	8,678,464	$	795,559	$	21,897,824
Gross charge offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction and land
Pass	$	—	$	1,958,171	$	—	$	300,782	$	65,463	$	334,219	$	—	$	2,658,635
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	1,958,171	$	—	$	300,782	$	65,463	$	334,219	$	—	$	2,658,635
Gross charge offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Second mortgage
Pass	$	—	$	52,993	$	—	$	23,862	$	—	$	17,661	$	3,739,357	$	3,833,873
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	52,993	$	—	$	23,862	$	—	$	17,661	$	3,739,357	$	3,833,873
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial
Pass	$	222,572	$	383,040	$	719,469	$	928,039	$	1,055,341	$	637,687	$	3,256,001	$	7,202,149
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	222,572	$	383,040	$	719,469	$	928,039	$	1,055,341	$	637,687	$	3,256,001	$	7,202,149
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer loans
Pass	$	1,425,346	$	12,570,873	$	1,387,440	$	—	$	—	$	22,862	$	—	$	15,406,521
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	1,425,346	$	12,570,873	$	1,387,440	$	—	$	—	$	22,862	$	—	$	15,406,521
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	$	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

					90 Days
	30-59 Days		60-89 Days		or		Total
	Past Due		Past Due		Greater		Past Due		Current		Total
June 30, 2026
Mortgage loans on real estate:
Single family	$	63,922	$	—	$	47,584	$	111,506	$	41,419,858	$	41,531,364
Multifamily and nonresidential		—		—		—		—		21,897,824		21,897,824
Construction and land		—		—		—		—		2,658,635		2,658,635
Second mortgage		—		—		—		—		3,833,873		3,833,873
Commercial		—		—		—		—		7,202,149		7,202,149
Consumer		—		—		—		—		15,406,521		15,406,521
Total	$	63,922	$	—	$	47,584	$	111,506	$	92,418,860	$	92,530,366

					90 Days
	30-59 Days		60-89 Days		or		Total
	Past Due		Past Due		Greater		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

	June 30, 2026		December 31, 2025
Single family	$	90,132	$	104,146
Multifamily and nonresidential		—		—
Total	$	90,132	$	104,146