Loan Portfolio and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Loan Portfolio and Allowance for Credit Losses [Abstract]

Recorded Investment in Loans by Portfolio Segment

The following tables presents loans by portfolio segment:

	March 31, 2025
(dollars in thousands)	New York and
	other states*		Florida		Total
Commercial:
Commercial real estate	$	237,008	$	46,292	$	283,300
Other		19,040		413		19,453
Real estate mortgage - 1 to 4 family:
First mortgages		2,734,434		1,589,837		4,324,271
Home equity loans		42,648		13,642		56,290
Home equity lines of credit		242,309		177,497		419,806
Installment		9,265		3,752		13,017
Total loans, net	$	3,284,704	$	1,831,433		5,116,137
Less: Allowance for credit losses						50,606
Net loans					$	5,065,531

* Includes New York, New Jersey, Vermont and Massachusetts.

	December 31, 2024
(dollars in thousands)	New York and
	other states*		Florida		Total
Commercial:
Commercial real estate	$	227,771	$	39,529	$	267,300
Other		19,144		413		19,557
Real estate mortgage - 1 to 4 family:
First mortgages		2,741,334		1,590,229		4,331,563
Home equity loans		43,096		13,643		56,739
Home equity lines of credit		235,939		173,322		409,261
Installment		9,885		3,753		13,638
Total loans, net	$	3,277,169	$	1,820,889		5,098,058
Less: Allowance for credit losses						50,248
Net loans					$	5,047,810

*Includes New York, New Jersey, Vermont and Massachusetts.

Activity in Allowance For Credit Losses on Loans by Portfolio Segment

Activity in the allowance for credit losses on loans by portfolio segment for the three months ended March 31, 2025 and 2024 is summarized as follows:

	For the three months ended March 31, 2025
(dollars in thousands)				Real Estate
				Mortgage-
	Commercial			1 to 4 Family		Installment		Total
Balance at beginning of period	$	3,420		$	46,636	$	192	$	50,248
Loans charged off:
New York and other states*		4			80		25		109
Florida		-			-		15		15
Total loan chargeoffs		4			80		40		124
Recoveries of loans previously charged off:
New York and other states*		6			41		21		68
Florida		314			-		-		314
Total recoveries		320			41		21		382
Net loans (recoveries) charged off		(316	)		39		19		(258	)
(Credit) Provision for credit losses		(713	)		710		103		100
Balance at end of period	$	3,023		$	47,307	$	276	$	50,606

* Includes New York, New Jersey, Vermont and Massachusetts.

	For the three months ended March 31, 2024
(dollars in thousands)			Real Estate
			Mortgage-
	Commercial		1 to 4 Family			Installment		Total
Balance at beginning of period	$	2,735		45,625			218		48,578
Loans charged off:
New York and other states*		-		117			44		161
Florida		-		-			-		-
Total loan chargeoffs		-		117			44		161
Recoveries of loans previously charged off:
New York and other states*		-		195			8		203
Florida		-		-			-		-
Total recoveries		-		195			8		203
Net loan (recoveries) charged off		-		(78	)		36		(42	)
Provision for credit losses		7		592			1		600
Balance at end of period	$	2,742		46,295			183		49,220

* Includes New York, New Jersey, Vermont and Massachusetts.

Allowance for Credit Losses on Unfunded Commitments

The Company’s activity in the allowance for credit losses on unfunded commitments for the three months ended March 31, 2025 and 2024 is as follows:

	For the three
	months ended
(In thousands)	March 31, 2025
Balance at January 31, 2025	$	1,762
Provision for credit losses		200
Balance at March 31, 2025	$	1,962

	For the three
(In thousands)	months ended
	March 31, 2024
Balance at January 31, 2024	$	1,662
Provision for credit losses		-
Balance at March 31, 2024	$	1,662

Risk Category Loans by Class of Loans

As of March 31, 2025 and December 31, 2024, based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs for each loan type by origination year was as follows:

Loan Credit Quality

(in thousands)	As of March 31, 2025
	Term Loans Amortized Cost Basis by Origination Year
Commercial:	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Revolving Loan Converted to Term		Total
Risk rating
Pass	$	17,533	$	48,481	$	52,782	$	71,625	$	22,085	$	63,390	$	4,893	$	-	$	280,789
Special Mention		-		-		-		241		-		-		-		-		241
Substandard		-		-		-		1,359		-		873		-		-		2,232
Doubtful		-		-		-		-		-		38		-		-		38
Total Commercial Loans	$	17,533	$	48,481	$	52,782	$	73,225	$	22,085	$	64,301	$	4,893	$	-	$	283,300
Commercial Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Commercial Other:
Risk rating
Pass	$	877	$	2,531	$	7,128	$	1,716	$	324	$	2,203	$	4,520	$	-	$	19,299
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		12		-		-		6		98		38		-		154
Doubtful		-		-		-		-		-		-		-		-		-
Total Commercial Real Estate Loans	$	877	$	2,543	$	7,128	$	1,716	$	330	$	2,301	$	4,558	$	-	$	19,453
Other Commercial Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	4	$	-	$	-	$	-	$	4
	$	-	$	-	$	-	$	-	$	4	$	-	$	-	$	-	$	4
Residential First Mortgage:
Risk rating
Performing	$	55,087	$	319,051	$	393,819	$	528,695	$	807,063	$	2,204,696	$	1,373	$	-	$	4,309,784
Nonperforming		-		-		553		182		963		12,789		-		-		14,487
Total First Mortgage:	$	55,087	$	319,051	$	394,372	$	528,877	$	808,026	$	2,217,485	$	1,373	$	-	$	4,324,271
Residential First Mortgage Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	80	$	-	$	-	$	80
	$	-	$	-	$	-	$	-	$	-	$	80	$	-	$	-	$	80
Home Equity Loans:
Risk rating
Performing	$	2,300	$	6,103	$	8,262	$	5,136	$	6,355	$	27,614	$	-	$	-	$	55,770
Nonperforming		-		-		-		154		-		366		-		-		520
Total Home Equity Loans:	$	2,300	$	6,103	$	8,262	$	5,290	$	6,355	$	27,980	$	-	$	-	$	56,290
Home Equity Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Home Equity Lines of  Credit:
Risk rating
Performing	$	744	$	4,213	$	1,102	$	1,295	$	1,048	$	15,117	$	393,365	$	-	$	416,884
Nonperforming		-		-		-		70		-		2,546		306		-		2,922
Total Home Equity Credit Lines:	$	744	$	4,213	$	1,102	$	1,365	$	1,048	$	17,663	$	393,671	$	-	$	419,806
Home Equity Lines of Credit:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Installments:
Risk rating
Performing	$	771	$	2,831	$	4,856	$	2,471	$	584	$	422	$	939	$	-	$	12,874
Nonperforming		-		50		4		36		19		34		-		-		143
Total Installments	$	771	$	2,881	$	4,860	$	2,507	$	603	$	456	$	939	$	-	$	13,017
Installments Loans:
Current-period Gross writeoffs	$	-	$	15	$	7	$	15	$	0	$	3	$	-	$	-	$	40
	$	-	$	15	$	7	$	15	$	0	$	3	$	-	$	-	$	40

Loan Credit Quality

(in thousands)	As of December 31, 2024
	Term Loans Amortized Cost Basis by Origination Year
Commercial :	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Revolving Loan Converted to Term		Total
Risk rating
Pass	$	47,687	$	54,877	$	73,094	$	22,215	$	15,014	$	50,052	$	2,169	$	-	$	265,108
Special Mention		-		-		242		-		-		-		-		-		242
Substandard		-		-		1,003		-		22		887		-		-		1,912
Doubtful		-		-		-		-		-		38		-		-		38
Total Commercial Loans	$	47,687	$	54,877	$	74,339	$	22,215	$	15,036	$	50,977	$	2,169	$	-	$	267,300
Commercial Loans:
Current-period Gross writeoffs	$	-	$	-	$	10	$	431	$	-	$	-	$	-	$	-	$	441
	$	-	$	-	$	10	$	431	$	-	$	-	$	-	$	-	$	441
Commercial Other:
Risk rating
Pass	$	1,842	$	7,417	$	1,796	$	407	$	184	$	2,108	$	5,634	$	-	$	19,388
Special mention		-		-		-		-		-		-		-		-		-
Substandard		13		-		-		22		-		134		-		-		169
Total Commercial Real Estate Loans	$	1,855	$	7,417	$	1,796	$	429	$	184	$	2,242	$	5,634	$	-	$	19,557
Other Commercial Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential First Mortgage:
Risk rating
Performing	$	313,944	$	398,722	$	535,702	$	821,804	$	681,840	$	1,563,659	$	938	$	-	$	4,316,609
Nonperforming		-		987		391		870		243		12,463		-		-		14,954
Total First Mortgage:	$	313,944	$	399,709	$	536,093	$	822,674	$	682,083	$	1,576,122	$	938	$	-	$	4,331,563
Residential First Mortgage Loans:
Current-period Gross writeoffs	$	194	$	-	$	-	$	-	$	-	$	18	$	-	$	-	$	212
	$	194	$	-	$	-	$	-	$	-	$	18	$	-	$	-	$	212
Home Equity Loans:
Risk rating
Performing	$	6,621	$	8,586	$	5,354	$	6,490	$	5,066	$	24,096	$	-	$	-	$	56,213
Nonperforming		-		-		155		-		-		371		-		-		526
Total Home Equity Loans:	$	6,621	$	8,586	$	5,509	$	6,490	$	5,066	$	24,467	$	-	$	-	$	56,739
Home Equity Lines Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Home Equity Credit Lines:
Risk rating
Performing	$	4,793	$	1,558	$	1,110	$	887	$	46	$	14,595	$	383,425	$	-	$	406,414
Nonperforming		-		-		70		-		-		2,532		245		-		2,847
Total Home Equity Credit Lines:	$	4,793	$	1,558	$	1,180	$	887	$	46	$	17,127	$	383,670	$	-	$	409,261
Home Equity Credit Lines Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	116	$	-	$	-	$	116
	$	-	$	-	$	-	$	-	$	-	$	116	$	-	$	-	$	116
Installments:
Risk rating
Performing	$	2,846	$	5,513	$	2,788	$	705	$	123	$	505	$	1,028	$	-	$	13,508
Nonperforming		16		5		55		19		-		35		-		-		130
Total Installments	$	2,862	$	5,518	$	2,843	$	724	$	123	$	540	$	1,028	$	-	$	13,638
Installments Loans:
Current-period Gross writeoffs	$	-	$	53	$	47	$	35	$	4	$	31	$	-	$	-	$	170
	$	-	$	53	$	47	$	35	$	4	$	31	$	-	$	-	$	170

Aging of Recorded Investment in Past Due Loans by Loan Class and by Region

The following tables present the aging of the amortized cost in past due loans by loan class and by region as of March 31, 2025 and December 31, 2024:

	As of March 31, 2025
New York and other states*:	30-59		60-89		90 +		Total
	Days		Days		Days		30+ days				Total
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
Commercial:
Commercial real estate	$	819	$	-	$	327	$	1,146	$	235,862	$	237,008
Other		-		-		-		-		19,040		19,040
Real estate mortgage - 1 to 4 family:
First mortgages		4,558		396		6,107		11,061		2,723,373		2,734,434
Home equity loans		116		80		250		446		42,202		42,648
Home equity lines of credit		833		270		1,196		2,299		240,010		242,309
Installment		5		1		20		26		9,239		9,265
Total	$	6,331	$	747	$	7,900	$	14,978	$	3,269,726	$	3,284,704

Florida:	30-59		60-89		90 +		Total
	Days		Days		Days		30+ days				Total
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
Commercial:
Commercial real estate	$	-	$	-	$	-	$	-	$	46,292	$	46,292
Other		-		-		-		-		413		413
Real estate mortgage - 1 to 4 family:
First mortgages		2,178		566		1,325		4,069		1,585,768		1,589,837
Home equity loans		21		-		-		21		13,621		13,642
Home equity lines of credit		236		-		51		287		177,210		177,497
Installment		22		11		83		116		3,636		3,752
Total	$	2,457	$	577	$	1,459	$	4,493	$	1,826,940	$	1,831,433

Total:	30-59		60-89		90 +		Total
	Days		Days		Days		30+ days				Total
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
Commercial:
Commercial real estate	$	819	$	-	$	327	$	1,146	$	282,154	$	283,300
Other		-		-		-		-		19,453		19,453
Real estate mortgage - 1 to 4 family:
First mortgages		6,736		962		7,432		15,130		4,309,141		4,324,271
Home equity loans		137		80		250		467		55,823		56,290
Home equity lines of credit		1,069		270		1,247		2,586		417,220		419,806
Installment		27		12		103		142		12,875		13,017
Total	$	8,788	$	1,324	$	9,359	$	19,471	$	5,096,666	$	5,116,137

* Includes New York, New Jersey, Vermont and Massachusetts.

	As of December 31, 2024
New York and other states*:	30-59		60-89		90 +		Total
	Days		Days		Days		30+ days				Total
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
Commercial:
Commercial real estate	$	1,189	$	-	$	329	$	1,518	$	226,253	$	227,771
Other		-		-		14		14		19,130		19,144
Real estate mortgage - 1 to 4 family:
First mortgages		2,438		773		6,091		9,302		2,732,032		2,741,334
Home equity loans		15		22		318		355		42,741		43,096
Home equity lines of credit		401		-		1,267		1,668		234,271		235,939
Installment		18		19		69		106		9,779		9,885
Total	$	4,061	$	814	$	8,088	$	12,963	$	3,264,206	$	3,277,169

Florida:	30-59		60-89		90 +		Total
	Days		Days		Days		30+ days				Total
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
Commercial:
Commercial real estate	$	-	$	-	$	-	$	-	$	39,529	$	39,529
Other		-		-		-		-		413		413
Real estate mortgage - 1 to 4 family:
First mortgages		2,037		629		1,773		4,439		1,585,790		1,590,229
Home equity loans		-		6		-		6		13,637		13,643
Home equity lines of credit		220		-		-		220		173,102		173,322
Installment		109		22		16		147		3,606		3,753
Total	$	2,366	$	657	$	1,789	$	4,812	$	1,816,077	$	1,820,889

Total:	30-59		60-89		90 +		Total
	Days		Days		Days		30+ days				Total
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
Commercial:
Commercial real estate	$	1,189	$	-	$	329	$	1,518	$	265,782	$	267,300
Other		-		-		14		14		19,543		19,557
Real estate mortgage - 1 to 4 family:
First mortgages		4,475		1,402		7,864		13,741		4,317,822		4,331,563
Home equity loans		15		28		318		361		56,378		56,739
Home equity lines of credit		621		-		1,267		1,888		407,373		409,261
Installment		127		41		85		253		13,385		13,638
Total	$	6,427	$	1,471	$	9,877	$	17,775	$	5,080,283	$	5,098,058

* Includes New York, New Jersey, Vermont and Massachusetts.

Recorded Investment in Non-Accrual Loans by Loan Class

The following tables present the amortized cost basis in non-accrual loans by portfolio segment:

	As of March 31, 2025
(dollars in thousands)	New York and
	other states*		Florida		Total
Loans in non-accrual status:
Commercial:
Commercial real estate	$	688	$	-	$	688
Other		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		11,690		2,799		14,488
Home equity loans		427		93		520
Home equity lines of credit		2,679		243		2,922
Installment		139		3		142
Total non-accrual loans		15,623		3,138		18,760
Restructured real estate mortgages - 1 to 4 family		-		-		-
Total nonperforming loans	$	15,623	$	3,138	$	18,760

* Includes New York, New Jersey, Vermont and Massachusetts.

	As of December 31, 2024
(dollars in thousands)	New York and
	other states*		Florida		Total
Loans in non-accrual status:
Commercial:
Commercial real estate	$	329	$	-	$	329
Other		14		-		14
Real estate mortgage - 1 to 4 family:
First mortgages		11,586		3,368		14,954
Home equity loans		432		94		526
Home equity lines of credit		2,653		194		2,847
Installment		108		22		130
Total non-accrual loans		15,122		3,678		18,800
Restructured real estate mortgages - 1 to 4 family		-		-		-
Total nonperforming loans	$	15,122	$	3,678	$	18,800

* Includes New York, New Jersey, Vermont and Massachusetts.

Loans on Non-Accrual Status and Past Due More than 90 Days

The following tables present the amortized cost basis of loans on non-accrual status and loans past due over 89 days still accruing as of March 31, 2025 and December 31, 2024:

	As of March 31, 2025
(dollars in thousands)	Non-accrual With		Non-accrual With		Loans Past Due
	No Allowance for		Allowance for		Over 89 Days
	Credit Loss		Credit Loss		Still Accruing
Commercial:
Commercial real estate	$	688	$	-	$	-
Other		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		12,743		1,744		-
Home equity loans		520		-		-
Home equity lines of credit		2,753		169		-
Installment		93		50		-
Total loans, net	$	16,797	$	1,963	$	-

	As of December 31, 2024
(dollars in thousands)	Non-accrual With		Non-accrual With		Loans Past Due
	No Allowance for		Allowance for		Over 89 Days
	Credit Loss		Credit Loss		Still Accruing
Commercial:
Commercial real estate	$	329	$	-	$	-
Other		14		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		13,560		1,394		-
Home equity loans		526		-		-
Home equity lines of credit		2,724		123		-
Installment		112		18		-
Total loans, net	$	17,265	$	1,535	$	-

Allowance For Credit Losses and Recorded Investment in Loans by Portfolio Segment and Based on Impairment Method

The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of March 31, 2025 and December 31, 2024:

	As of March 31, 2025
(dollars in thousands)			1-to-4 Family
	Commercial		Residential		Installment
	Loans		Real Estate		Loans		Total
Allowance for credit losses on loans:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	-	$	-	$	-	$	-
Collectively evaluated for impairment		3,023		47,307		276		50,606
Total ending allowance balance	$	3,023	$	47,307	$	276	$	50,606
Loans:
Individually evaluated for impairment	$	786	$	23,198	$	92	$	24,076
Collectively evaluated for impairment		301,967		4,777,169		12,925		5,092,061
Total ending loans balance	$	302,753	$	4,800,367	$	13,017	$	5,116,137

	As of December 31, 2024
(dollars in thousands)			1-to-4 Family
	Commercial		Residential		Installment
	Loans		Real Estate		Loans		Total
Allowance for credit losses on loans:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	-		-		-		-
Collectively evaluated for impairment		3,420		46,636		192		50,248
Total ending allowance balance	$	3,420		46,636		192		50,248
Loans:
Individually evaluated for impairment	$	443		23,835		112		24,390
Collectively evaluated for impairment		286,414		4,773,728		13,526		5,073,668
Total ending loans balance	$	286,857		4,797,563		13,638		5,098,058

Amortized Cost of Collateral-dependent Loans by Class

The following tables present the amortized cost basis of individually analyzed collateral dependent loans by portfolio segment as of March 31, 2025 and December 31, 2024:

	As of March 31, 2025
	Type of Collateral
(dollars in thousands)
	Real Estate		Investment Securities/Cash		Other
Commercial:
Commercial real estate	$	786		-		-
Other		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		19,276		-		-
Home equity loans		529		-		-
Home equity lines of credit		3,393		-		-
Installment		92		-		-
Total	$	24,076		-		-

	As of December 31, 2024
	Type of Collateral
(dollars in thousands)
	Real Estate		Investment Securities/Cash		Other
Commercial:
Commercial real estate	$	429		-		-
Other		14		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		19,928		-		-
Home equity loans		535		-		-
Home equity lines of credit		3,372		-		-
Installment		112		-		-
Total	$	24,390		-		-

Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty and Financial Effects of Loan Modifications

The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below:

For the three months ended:
New York and other states*:	March 31, 2025						March 31, 2024
	Payment			% of Total Class			Payment			% of Total Class
(dollars in thousands)	Delay			of Loans			Delay			of Loans
Commercial:
Commercial real estate		$	-		-			$	-		-
Other			-		-				-		-
Real estate mortgage - 1 to 4 family:			-		-				-		-
First mortgages			75		0.00	%			-		-
Home equity loans			-		-				-		-
Home equity lines of credit			122		0.05	%			-		-
Installment			-		-				-		-
Total		$	197		0.00	%		$	-		0.00	%

Florida:
	Payment		% of Total Class		Payment		% of Total Class
(dollars in thousands)	Delay		of Loans		Delay		of Loans
Commercial:
Commercial real estate	$	-		-	$	-		-
Other		-		-		-		-
Real estate mortgage - 1 to 4 family:				-				-
First mortgages		-		-		85		0.01	%
Home equity loans		-		-		-		-
Home equity lines of credit		-		-		-		-
Installment		-		-		-		-
Total	$	-		-	$	85		0.00	%

Total
	Payment		% of Total Class			Payment		% of Total Class
(dollars in thousands)	Delay		of Loans			Delay		of Loans
Commercial:
Commercial real estate	$	-		-		$	-		-
Other		-		-			-		-
Real estate mortgage - 1 to 4 family:
First mortgages		75		0.00	%		85		0.01	%
Home equity loans		-		-			-		-
Home equity lines of credit		122		0.03	%		-		-
Installment		-		-			-		-
Total	$	197		0.00	%	$	85		0.00	%

* Includes New York, New Jersey, Vermont and Massachusetts.

Performance of Loans Modified to Borrowers Experiencing Financial Difficulty

The following table describes the performance of loans that have been modified as of March 31, 2025:

	As of March 31, 2025
New York and other states*:				30-59		60-89		90+
				Days		Days		Days
(dollars in thousands)	Current			Past Due		Past Due		Past Due	Total
Commercial:
Commercial real estate	$	-	$	-	$	-	$	-	$	-
Other		-		-		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		75		-		-		-		75
Home equity loans		-		-		-		-		-
Home equity lines of credit		-		-		122		-		122
Installment		-		-		-		-		-
Total	$	75	$	-	$	122	$	-	$	197

Florida:				30-59		60-89		90+
				Days		Days		Days
(dollars in thousands)	Current			Past Due		Past Due		Past Due	Total
Commercial:
Commercial real estate	$	-	$	-	$	-	$	-	$	-
Other		-		-		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		-		-		-		-		-
Home equity loans		-		-		-		-		-
Home equity lines of credit		-		-		-		-		-
Installment		-		-		-		-		-
Total	$	-	$	-	$	-	$	-	$	-

Total				30-59		60-89		90+
				Days		Days		Days
(dollars in thousands)	Current			Past Due		Past Due		Past Due	Total
Commercial:
Commercial real estate	$	-	$	-	$	-	$	-	$	-
Other		-		-		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		75		-		-		-		75
Home equity loans		-		-		-		-		-
Home equity lines of credit		-		-		122		-		122
Installment		-		-		-		-		-
Total	$	75	$	-	$	122	$	-	$	197

* Includes New York, New Jersey, Vermont and Massachusetts.

	As of March 31, 2024
New York and other states*:				30-59		60-89		90+
				Days		Days		Days
(dollars in thousands)	Current			Past Due		Past Due		Past Due	Total
Commercial:
Commercial real estate	$	-	$	-	$	-	$	-	$	-
Other		-		-		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		-		-		-		-		-
Home equity loans		-		-		-		-		-
Home equity lines of credit		-		-		-		-		-
Installment		-		-		-		-		-
Total	$	-	$	-	$	-	$	-	$	-

Florida:				30-59		60-89		90+
				Days		Days		Days
(dollars in thousands)	Current			Past Due		Past Due		Past Due	Total
Commercial:
Commercial real estate	$	-	$	-	$	-	$	-	$	-
Other		-		-		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		85		-		-		-		85
Home equity loans		-		-		-		-		-
Home equity lines of credit		-		-		-		-		-
Installment		-		-		-		-		-
Total	$	85	$	-	$	-	$	-	$	85

Total				30-59		60-89		90+
				Days		Days		Days
(dollars in thousands)	Current			Past Due		Past Due		Past Due	Total
Commercial:
Commercial real estate	$	-	$	-	$	-	$	-	$	-
Other		-		-		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		85		-		-		-		85
Home equity loans		-		-		-		-		-
Home equity lines of credit		-		-		-		-		-
Installment		-		-		-		-		-
Total	$	85	$	-	$	-	$	-	$	85

* Includes New York, New Jersey, Vermont and Massachusetts.

Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty

The following tables describes the financial effect of the modifications made to borrowers experiencing financial difficulty:

For the three months ended:
	March 31, 2025		March 31,2024
	Weighted		Weighted
New York and other states*:	Average		Average
	Payment		Payment
(dollars in thousands)	Delay (Months)		Delay (Months)
Commercial:
Commercial real estate	$	-	$	-
Other		-		-
Real estate mortgage - 1 to 4 family:		-		-
First mortgages		24		12
Home equity loans		-		-
Home equity lines of credit		24		-
Installment		-		-
Total	$	48	$	12

	Weighted		Weighted
Florida:	Average		Average
	Payment		Payment
(dollars in thousands)	Delay (Months)		Delay (Months)
Commercial:
Commercial real estate	$	-	$	-
Other		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		-		-
Home equity loans		-		-
Home equity lines of credit		-		-
Installment		-		-
Total	$	-	$	-

	Weighted		Weighted
	Average		Average
	Payment		Payment
(dollars in thousands)	Delay (Months)		Delay (Months)
Commercial:
Commercial real estate	$	-	$	-
Other		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		24		12
Home equity loans		-		-
Home equity lines of credit		24		-
Installment		-		-
Total	$	48	$	12

* Includes New York, New Jersey, Vermont and Massachusetts.