Loan Portfolio and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2025

Loan Portfolio and Allowance for Credit Losses [Abstract]

Recorded Investment in Loans by Portfolio Segment

The following tables presents loans by portfolio segment:

	June 30, 2025
(dollars in thousands)	New York and
	other states*		Florida		Total
Commercial:
Commercial real estate	$	252,211	$	40,360	$	292,571
Other		21,289		413		21,702
Real estate mortgage - 1 to 4 family:
First mortgages		2,741,357		1,595,352		4,336,709
Home equity loans		43,312		14,296		57,608
Home equity lines of credit		250,752		184,681		435,433
Installment		9,164		3,514		12,678
Total loans, net	$	3,318,085	$	1,838,616		5,156,701
Less: Allowance for credit losses						51,265
Net loans					$	5,105,436

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

	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 Massachussetts.

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 June 30, 2025 and 2024 is summarized as follows:

	For the three months ended June 30, 2025
(dollars in thousands)			Real Estate
			Mortgage-
	Commercial		1 to 4 Family			Installment		Total
Balance at beginning of period	$	3,023	$	47,307		$	276	$	50,606
Loans charged off:
New York and other states*		-		17			22		39
Florida		-		-			94		94
Total loan chargeoffs		-		17			116		133
Recoveries of loans previously charged off:
New York and other states*		-		138			4		142
Florida		-		-			-		-
Total recoveries		-		138			4		142
Net loans (recoveries) charged off		-		(121	)		112		(9	)
Provision for credit losses		111		449			90		650
Balance at end of period	$	3,134	$	47,877		$	254	$	51,265

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

	For the three months ended June 30, 2024
(dollars in thousands)			Real Estate
			Mortgage-
	Commercial		1 to 4 Family			Installment		Total
Balance at beginning of period	$	2,742	$	46,295		$	183	$	49,220
Loans charged off:
New York and other states*		-		-			10		10
Florida		-		17			7		24
Total loan chargeoffs		-		17			17		34
Recoveries of loans previously charged off:
New York and other states*		-		74			12		86
Florida		-		-			-		-
Total recoveries		-		74			12		86
Net loan (recoveries) charged off		-		(57	)		5		(52	)
Provision for credit losses		687		592			36		500
Balance at end of period	$	3,429	$	46,129		$	214	$	49,772

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

Activity in the allowance for credit losses on loans by portfolio segment for the six months ended June 30, 2025 and 2024 is summarized as follows:

	For the six months ended June 30, 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			99			47		150
Florida		-			-			109		109
Total loan chargeoffs		4			99			156		259
Recoveries of loans previously charged off:
New York and other states*		7			179			25		211
Florida		315			-			-		315
Total recoveries		322			179			25		526
Net loans (recoveries) charged off		(318	)		(80	)		131		(267	)
(Credit) Provision for credit losses		(604	)		1,161			193		750
Balance at end of period	$	3,134		$	47,877		$	254	$	51,265

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

	For the six months ended June 30, 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			54		171
Florida		-		17			7		24
Total loan chargeoffs		-		134			61		195
Recoveries of loans previously charged off:
New York and other states*		-		269			20		289
Florida		-		-			-		-
Total recoveries		-		269			20		289
Net loan (recoveries) charged off		-		(135	)		41		(94	)
Provision for credit losses		694		369			37		1,100
Balance at end of period	$	3,429	$	46,129		$	214	$	49,772

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

Allowance for Credit Losses on Unfunded Commitments

The Company’s activity in the allowance for credit losses on unfunded commitments for the three and six months ended June 30, 2025 and 2024 were as follows:

(In thousands)	For the three months ended June 30, 2025
Balance at March 31, 2025	$	1,962
Provision for credit losses		-
Balance at June 30, 2025	$	1,962

(In thousands)	For the six months ended June 30, 2025
Balance at January 1, 2025	$	1,762
Provision for credit losses		200
Balance at June 30, 2025	$	1,962

(In thousands)	For the three months ended June 30, 2024
Balance at March 31, 2024	$	1,662
Provision for credit losses		-
Balance at June 30, 2024	$	1,662

(In thousands)	For the six months ended June 30,2024
Balance at January 1, 2024	$	1,662
Provision for credit losses		-
Balance at June 30, 2024	$	1,662

Risk Category Loans by Class of Loans

As of June 30, 2025, and December 31, 2024 and based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs year to date for each loan type by origination year was as follows:

Loan Credit Quality

(in thousands)	As of June 30, 2025
	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Revolving Loan Converted to Term		Total
Commercial :
Risk rating
Pass	$	30,673	$	48,801	$	51,978	$	70,571	$	21,751	$	60,711	$	5,644	$	-	$	290,129
Special Mention		-		-		-		240		-		-		-		-		240
Substandard		-		-		-		1,352		-		811		-		-		2,163
Doubtful		-		-		-		-		-		39		-		-		39
Total Commercial Loans	$	30,673	$	48,801	$	51,978	$	72,163	$	21,751	$	61,561	$	5,644	$	-	$	292,571
Commercial Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	4	$	-	$	-	$	-	$	4
	$	-	$	-	$	-	$	-	$	4	$	-	$	-	$	-	$	4
Commercial Other:
Risk rating
Pass	$	1,563	$	1,959	$	6,897	$	1,352	$	260	$	1,854	$	7,764	$	-	$	21,649
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		12		-		-		4		-		37		-		53
Doubtful		-		-		-		-		-		-		-		-		-
Total Commercial Real Estate Loans	$	1,563	$	1,971	$	6,897	$	1,352	$	264	$	1,854	$	7,801	$	-	$	21,702
Other Commercial Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential First Mortgage:
Risk rating
Performing	$	143,583	$	319,376	$	384,888	$	519,248	$	791,544	$	2,162,585	$	1,368	$	-	$	4,322,592
Nonperforming		-		-		553		182		1,121		12,261		-		-		14,117
Total First Mortgage:	$	143,583	$	319,376	$	385,441	$	519,430	$	792,665	$	2,174,846	$	1,368	$	-	$	4,336,709
Residential First Mortgage Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	99	$	-	$	-	$	99
	$	-	$	-	$	-	$	-	$	-	$	99	$	-	$	-	$	99
Home Equity Loans:
Risk rating
Performing	$	5,775	$	5,827	$	7,989	$	4,972	$	6,059	$	26,578	$	-	$	-	$	57,200
Nonperforming		-		-		-		66		-		342		-		-		408
Total Home Equity Loans:	$	5,775	$	5,827	$	7,989	$	5,038	$	6,059	$	26,920	$	-	$	-	$	57,608
Home Equity Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Home Equity Lines of Credit:
Risk rating
Performing	$	1,211	$	3,800	$	1,520	$	1,771	$	1,870	$	16,808	$	405,798	$	-	$	432,778
Nonperforming		-		-		-		70		-		2,384		201		-		2,655
Total Home Equity Credit Lines:	$	1,211	$	3,800	$	1,520	$	1,841	$	1,870	$	19,192	$	405,999	$	-	$	435,433
Home Equity Lines of Credit:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Installments:
Risk rating
Performing	$	1,780	$	2,501	$	4,215	$	2,164	$	433	$	608	$	931	$	-	$	12,632
Nonperforming		-		-		4		34		7		1		-		-		46
Total Installments	$	1,780	$	2,501	$	4,219	$	2,198	$	440	$	609	$	931	$	-	$	12,678
Installments Loans:
Current-period Gross writeoffs	$	-	$	76	$	7	$	15	$	20	$	38	$	-	$	-	$	156
	$	-	$	76	$	7	$	15	$	20	$	38	$	-	$	-	$	156

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 June 30, 2025 and December 31, 2024:

	As of June 30, 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	$	892	$	-	$	326	$	1,218	$	250,993	$	252,211
Other		-		-		-		-		21,289		21,289
Real estate mortgage - 1 to 4 family:
First mortgages		1,685		1,448		5,839		8,972		2,732,385		2,741,357
Home equity loans		98		-		235		333		42,979		43,312
Home equity lines of credit		490		225		1,250		1,965		248,787		250,752
Installment		5		-		2		7		9,157		9,164
Total	$	3,170	$	1,673	$	7,652	$	12,495	$	3,305,590	$	3,318,085

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	$	-	$	-	$	-	$	-	$	40,360	$	40,360
Other		-		-		-		-		413		413
Real estate mortgage - 1 to 4 family:
First mortgages		2,399		281		1,431		4,111		1,591,241		1,595,352
Home equity loans		-		-		-		-		14,296		14,296
Home equity lines of credit		376		-		-		376		184,305		184,681
Installment		29		4		9		42		3,472		3,514
Total	$	2,804	$	285	$	1,440	$	4,529	$	1,834,087	$	1,838,616

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	$	892	$	-	$	326	$	1,218	$	291,353	$	292,571
Other		-		-		-		-		21,702		21,702
Real estate mortgage - 1 to 4 family:
First mortgages		4,084		1,729		7,270		13,083		4,323,626		4,336,709
Home equity loans		98		-		235		333		57,275		57,608
Home equity lines of credit		866		225		1,250		2,341		433,092		435,433
Installment		34		4		11		49		12,629		12,678
Total	$	5,974	$	1,958	$	9,092	$	17,024	$	5,139,677	$	5,156,701

* 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 June 30, 2025
(dollars in thousands)	New York and
	other states*		Florida		Total
Loans in non-accrual status:
Commercial:
Commercial real estate	$	684	$	-	$	684
Other		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		11,221		2,896		14,117
Home equity loans		403		5		408
Home equity lines of credit		2,424		231		2,655
Installment		34		12		46
Total nonperforming loans	$	14,766	$	3,144	$	17,910

* 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 June 30, 2025 and December 31, 2024:

	As of June 30, 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	$	684	$	-		-
Other		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		13,568		549		-
Home equity loans		408		-		-
Home equity lines of credit		2,532		123		-
Installment		36		10		-
Total loans, net	$	17,228	$	682		-

	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 June 30, 2025 and December 31, 2024:

	As of June 30, 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		3,134		47,877		254		51,265
Total ending allowance balance	$	3,134	$	47,877	$	254	$	51,265
Loans:
Individually evaluated for impairment	$	780	$	23,461	$	36	$	24,277
Collectively evaluated for impairment		313,493		4,806,289		12,642		5,132,424
Total ending loans balance	$	314,273	$	4,829,750	$	12,678	$	5,156,701

	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 June 30, 2025 and December 31, 2024:

	As of June 30, 2025
	Type of Collateral
(dollars in thousands)
	Real Estate		Investment Securities/Cash		Other
Commercial:
Commercial real estate	$	780		-		-
Other		-		-		-
Real estate mortgage - 1 to 4 family:		-		-		-
First mortgages		19,794		-		-
Home equity loans		502		-		-
Home equity lines of credit		3,165		-		-
Installment		-		-		36
Total	$	24,241		-		36

	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	$	24,278		-		112

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*:	June 30, 2025					June 30, 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		319		0.01	%		194		0.01	%
Home equity loans		-		-			-		-
Home equity lines of credit		-		-			111		0.05	%
Installment		-		-			-		-
Total	$	319		0.00	%	$	305		0.01	%

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		-		-		-		-
Home equity loans		-		-		-		-
Home equity lines of credit		-		-		56		0.04	%
Installment		-		-		-		-
Total	$	-		-	$	56		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			319		0.01	%			194		0.00	%
Home equity loans			-		-				-		-
Home equity lines of credit			-		-				167		0.05	%
Installment			-		-				-		-
Total		$	319		0.01	%		$	361		0.01	%

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

For the six months ended:
New York and other states*:	June 30, 2025					June 30, 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		394		0.01	%		194		0.01	%
Home equity loans		-		-			-		-
Home equity lines of credit		122		0.05	%		111		0.05	%
Installment		-		-			-		-
Total	$	516		0.02	%	$	305		0.01	%

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			-		-			56		0.04	%
Installment			-		-			-		-
Total		$	-		-		$	141		0.01	%

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		394		0.01	%		279		0.01	%
Home equity loans		-					-		-
Home equity lines of credit		122		0.00	%		167		0.05	%
Installment		-		-			-		-
Total	$	516		0.01	%	$	446		0.01	%

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

Performance of Loans Modified to Borrowers Experiencing Financial Difficulty

The following tables present the performance of such loans that have been modified during the last 12 months:

	As of June 30, 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		393		-		-		80		473
Home equity loans		18		-		-		-		18
Home equity lines of credit		122		126		-		-		248
Installment		-		-		-		-		-
Total	$	533	$	126	$	-	$	80	$	739

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		87		-		-		-		87
Home equity lines of credit		70		-		-		-		70
Installment		-		-		-		-		-
Total	$	157	$	-	$	-	$	-	$	157

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		393		-		-		80		473
Home equity loans		105		-		-		-		105
Home equity lines of credit		192		126		-		-		318
Installment		-		-		-		-		-
Total	$	690	$	126	$	-	$	80	$	896

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

	As of June 30, 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		194		-		-		-		194
Home equity loans		-		-		-		-		-
Home equity lines of credit		111		-		-		-		111
Installment		-		-		-		-		-
Total	$	305	$	-	$	-	$	-	$	305

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		56		-		-		-		56
Installment		-		-		-		-		-
Total	$	141	$	-	$	-	$	-	$	141

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		279		-		-		-		279
Home equity loans		-		-		-		-		-
Home equity lines of credit		167		-		-		-		167
Installment		-		-		-		-		-
Total	$	446	$	-	$	-	$	-	$	446

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

Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty

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

For the Three Months Ended:
	June 30, 2025		June 30, 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		24		36

	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		-		6
Installment		-		-
Total		-		6

	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		-		18
Installment		-		-
Total		24		30

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

For the Six Months Ended June 30, 2025
	June 30, 2025		June 30, 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		24
Installment		-		-
Total		48		36

	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		-		12
Home equity loans		-		-
Home equity lines of credit		-		6
Installment		-		-
Total		-		18

	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		18
Installment		-		-
Total		48		30

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