Loan Portfolio and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Loan Portfolio and Allowance for Credit Losses [Abstract]

Recorded Investment in Loans by Portfolio Segment

The following table presents loans by portfolio segment:

	December 31, 2025
(dollars in thousands)	New York and
	other states*		Florida		Total
Commercial:
Commercial real estate	$	245,799	$	49,308	$	295,107
Other		17,841		495		18,336
Real estate mortgage - 1 to 4 family:
First mortgages		2,794,515		1,604,709		4,399,224
Home equity loans		46,421		17,615		64,036
Home equity lines of credit		265,060		199,141		464,201
Installment		8,497		3,059		11,556
Total loans, net	$	3,378,133	$	1,874,327		5,252,460
Less: Allowance for credit losses on loans						52,205
Net loans					$	5,200,255

*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 on loans						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 years ended December 31, 2025, and 2024 are summarized as follows:

	For the year ended December 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			99			56		159
Florida		-			-			161		161
Total loan chargeoffs		4			99			217		320
Recoveries of loans previously charged off:
New York and other states*		7			389			49		445
Florida		315			17			-		332
Total recoveries		322			406			49		777
Net loan (recoveries) charged off		(318	)		(307	)		168		(457	)
Provision for credit losses		(657	)		1,952			205		1,500
Balance at end of period	$	3,081		$	48,895		$	229	$	52,205

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

	For the year ended December 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*		127		311			120		558
Florida		314		17			50		381
Total loan chargeoffs		441		328			170		939
Recoveries of loans previously charged off:
New York and other states*		-		675			34		709
Florida		-		-			-		-
Total recoveries		-		675			34		709
Net loan (recoveries) charged off		441		(347	)		136		230
Provision for loan losses		1,126		664			110		1,900
Balance at end of period	$	3,420	$	46,636		$	192	$	50,248

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

	For the year ended December 31, 2023
(dollars in thousands)				Real Estate
				Mortgage-
	Commercial			1 to 4 Family			Installment		Total
Balance at beginning of period	$	2,596		$	43,271		$	165	$	46,032
Loans charged off:
New York and other states*		-			371			97		468
Florida		-			-			79		79
Total loan chargeoffs		-			371			176		547
Recoveries of loans previously charged off:
New York and other states*		129			392			45		566
Florida		-			25			2		27
Total recoveries		129			417			47		593
Net loan (recoveries) charged off		(129	)		(46	)		129		(46	)
Provision for loan losses		10			2,308			182		2,500
Balance at end of period	$	2,735		$	45,625		$	218	$	48,578

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

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 December 31, 2025 and 2024:

	As of December 31, 2025
(dollars in thousands)	Commercial Loans		1-to-4 Family Residential Real Estate		Installment Loans		Total
Allowance for credit losses on loans:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	-	$	-	$	-	$	-
Collectively evaluated for impairment		3,081		48,895		229		52,205
Total ending allowance balance	$	3,081	$	48,895	$	229	$	52,205
Loans:
Individually evaluated for impairment	$	2,083	$	23,663	$	22	$	25,768
Collectively evaluated for impairment		311,360		4,903,798		11,534		5,226,692
Total ending loans balance	$	313,443	$	4,927,461	$	11,556	$	5,252,460

	As of December 31, 2024
(dollars in thousands)	Commercial Loans		1-to-4 Family Residential Real Estate		Installment 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	$	23,833	$	112	$	24,388
Collectively evaluated for impairment		286,414		4,773,730		13,526		5,073,670
Total ending loans balance	$	286,857	$	4,797,563	$	13,638	$	5,098,058

Allowance for Credit Losses on Unfunded Commitments

The Company’s activity in the allowance for credit losses on unfunded commitments were as follows:

(In thousands)	For the year ended December 31, 2025
Balance at January 1, 2025	$	1,762
Provision  for credit losses		100
Balance at December 31, 2025	$	1,862

(In thousands)	For the year ended December 31, 2024
Balance at January 1, 2024	$	1,662
Provision  for credit losses		100
Balance at December 31, 2024	$	1,762

(In thousands)	For the year ended December 31, 2023
Balance at January 1, 2023	$	2,912
(Credit) provision  for credit losses		(1,250	)
Balance at December 31, 2023	$	1,662

Risk Category Loans by Class of Loans

As of December 31, 2025 and 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 December 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	$	47,620	$	47,818	$	49,673	$	65,902	$	21,050	$	55,543	$	4,694	$	-	$	292,300
Special Mention		-		-		-		237		-		-		-		-		237
Substandard		-		890		-		990		-		690		-		-		2,570
Doubtful		-		-		-		-		-		-		-		-		-
Total Commercial Loans	$	47,620	$	48,708	$	49,673	$	67,129	$	21,050	$	56,233	$	4,694	$	-	$	295,107
Commercial Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	4	$	-	$	-	$	-	$	4
	$	-	$	-	$	-	$	-	$	4	$	-	$	-	$	-	$	4
Commercial Other:
Risk rating
Pass	$	4,453	$	1,322	$	6,346	$	1,228	$	136	$	1,218	$	3,538	$	-	$	18,241
Special mention		-		-		-		-		-		-		45		-		45
Substandard		-		10		-		-		1		-		39		-		50
Total Commercial Real Estate Loans	$	4,453	$	1,332	$	6,346	$	1,228	$	137	$	1,218	$	3,622	$	-	$	18,336
Other Commercial Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential First Mortgage:
Risk rating
Performing	$	382,926	$	307,952	$	366,470	$	499,812	$	757,834	$	2,066,631	$	1,653	$	-	$	4,383,278
Nonperforming		-		171		1,213		1,202		1,636		11,724		-		-		15,946
Total First Mortgage:	$	382,926	$	308,123	$	367,683	$	501,014	$	759,470	$	2,078,355	$	1,653	$	-	$	4,399,224
Residential First Mortgage Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	99	$	-	$	-	$	99
	$	-	$	-	$	-	$	-	$	-	$	99	$	-	$	-	$	99
Home Equity Loans:
Risk rating
Performing	$	17,600	$	5,386	$	7,138	$	4,384	$	5,328	$	23,770	$	-	$	-	$	63,606
Nonperforming		-		-		-		66		-		364		-		-		430
Total Home Equity Loans:	$	17,600	$	5,386	$	7,138	$	4,450	$	5,328	$	24,134	$	-	$	-	$	64,036
Home Equity Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Home Equity Lines of Credit:
Risk rating
Performing	$	1,718	$	3,985	$	1,471	$	1,196	$	1,504	$	19,145	$	432,926	$	-	$	461,945
Nonperforming		-		-		-		-		-		1,879		377		-		2,256
Total Home Equity Credit Lines:	$	1,718	$	3,985	$	1,471	$	1,196	$	1,504	$	21,024	$	433,303	$	-	$	464,201
Home Equity Lines of Credit:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Installments:
Risk rating
Performing	$	3,089	$	1,973	$	3,191	$	1,542	$	257	$	561	$	892	$	-	$	11,505
Nonperforming		-		-		4		46		-		1		-		-		51
Total Installments	$	3,089	$	1,973	$	3,195	$	1,588	$	257	$	562	$	892	$	-	$	11,556
Installments Loans:
Current-period Gross writeoffs	$	9	$	102	$	17	$	20	$	27	$	42	$	-	$	-	$	217
	$	9	$	102	$	17	$	20	$	27	$	42	$	-	$	-	$	217

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:	$	-	$	-	$	10	$	431	$	-	$	-	$	-	$	-	$	441
Current-period Gross writeoffs	$	-	$	-	$	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 Lines of Credit:
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 December 31, 2025 and 2024:

	As of December 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	$	-	$	-	$	1,984		$	1,984	$	243,815	$	245,799
Other		-		-		7			7		17,834		17,841
Real estate mortgage - 1 to 4 family:
First mortgages		3,174		1,790		6,830			11,794		2,782,721		2,794,515
Home equity loans		50		-		266			316		46,105		46,421
Home equity lines of credit		370		176		1,158			1,704		263,356		265,060
Installment		5		32		7			44		8,453		8,497
Total	$	3,599	$	1,998	$	10,252		$	15,849	$	3,362,284	$	3,378,133
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	$	-	$	-	$	-		$	-	$	49,308	$	49,308
Other		-		-		-			-		495		495
Real estate mortgage - 1 to 4 family:
First mortgages		1,683		978		2,149			4,810		1,599,899		1,604,709
Home equity loans		369		-		-			369		17,246		17,615
Home equity lines of credit		671		116		92			879		198,262		199,141
Installment		46		-		22			68		2,991		3,059
Total	$	2,769	$	1,094	$	2,263		$	6,126	$	1,868,201	$	1,874,327
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	$	-	$	-	$	1,984		$	1,984	$	293,123	$	295,107
Other		-		-		7			7		18,329		18,336
Real estate mortgage - 1 to 4 family:
First mortgages		4,857		2,768		8,979			16,604		4,382,620		4,399,224
Home equity loans		419		-		266			685		63,351		64,036
Home equity lines of credit		1,041		292		1,250			2,583		461,618		464,201
Installment		51		32		29			112		11,444		11,556
Total	$	6,368	$	3,092	$	12,515		$	21,975	$	5,230,485	$	5,252,460

* 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 December 31, 2025 and 2024:

	As of December 31, 2025
(dollars in thousands)	New York and other states*		Florida		Total
Loans in non-accrual status:
Commercial:
Commercial real estate	$	1,983	$	-	$	1,983
Other		7		-		7
Real estate mortgage - 1 to 4 family:
First mortgages		12,241		3,705		15,946
Home equity loans		425		5		430
Home equity lines of credit		1,917		338		2,255
Installment		29		22		51
Total nonperforming loans	$	16,602	$	4,070	$	20,672

* 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 December 31, 2025 and 2024:

	As of December 31, 2025
(dollars in thousands)	Non-accrual With No Allowance for Credit Loss		Non-accrual With Allowance for Credit Loss		Loans Past Due Over 89 Days Still Accruing
Commercial:
Commercial real estate	$	1,983	$	-		-
Other		7		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		14,324		1,622		-
Home equity loans		419		11		-
Home equity lines of credit		2,010		245		-
Installment		22		29		-
Total loans, net	$	18,765	$	1,907		-

	As of December 31, 2024
(dollars in thousands)	Non-accrual With No Allowance for Credit Loss		Non-accrual With Allowance for Credit Loss		Loans Past Due Over 89 Days 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		-

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 December 31, 2025 and 2024:

	As of December 31, 2025
	Type of Collateral
(dollars in thousands)
	Real Estate		Investment Securities/Cash		Other
Commercial:
Commercial real estate	$	2,076		-		-
Other		-		-		7
Real estate mortgage - 1 to 4 family:		-		-		-
First mortgages		20,591		-		-
Home equity loans		511		-		-
Home equity lines of credit		2,561		-		-
Installment		-		-		22
Total	$	25,739		-		29

	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	$	24,264		-		126

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 year ended:
New York and other states*:	December 31, 2025					December 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		391		0.01	%		267		0.01	%
Home equity loans		-		-			19		0.04	%
Home equity lines of credit		122		0.05	%		238		0.09	%
Installment		-		-			-		-
Total	$	513		0.02	%	$	524		0.02	%
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		754		0.05	%		84		0.01	%
Home equity loans		-		-			88		0.65	%
Home equity lines of credit		-		-			70		0.04	%
Installment		-		-			-		-
Total	$	754		0.04	%	$	242		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		1,145		0.03	%		351		0.01	%
Home equity loans		-		-			107		0.19	%
Home equity lines of credit		122		0.03	%		308		0.08	%
Installment		-		-			-		-
Total	$	1,267		0.02	%	$	766		0.02	%

* 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 December 31, 2025 and 2024:

			As of December 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		153		-		-		238		391
Home equity loans		-		-		-				-
Home equity lines of credit		-		-		122		-		122
Installment		-		-		-		-		-
Total	$	153	$	-	$	122	$	238	$	513
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		754		-		-		-		754
Home equity loans		-		-		-		-		-
Home equity lines of credit		-		-		-		-		-
Installment		-		-		-		-		-
Total	$	754	$	-	$	-	$	-	$	754
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		907		-		-		238		1,145
Home equity loans		-		-		-		-		-
Home equity lines of credit		-		-		122		-		122
Installment		-		-		-		-		-
Total	$	907	$	-	$	122	$	238	$	1,267

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

			As of December 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		137		49		-		81		267
Home equity loans		19		-		-				19
Home equity lines of credit		238		-		-		-		238
Installment		-		-		-		-		-
Total	$	394	$	49	$	-	$	81	$	524
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		84		-		-		-		84
Home equity loans		88		-		-		-		88
Home equity lines of credit		70		-		-		-		70
Installment		-		-		-		-		-
Total	$	242	$	-	$	-	$	-	$	242
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		221		49		-		81		351
Home equity loans		107		-		-		-		107
Home equity lines of credit		308		-		-		-		308
Installment		-		-		-		-		-
Total	$	636	$	49	$	-	$	81	$	766

* 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 year ended:
	December 31, 2025		December 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		15
Home equity loans		-		24
Home equity lines of credit		24		17
Installment		-		-
Total	$	48	$	56
	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		7		12
Home equity loans		-		9
Home equity lines of credit		-		6
Installment		-		-
Total	$	7	$	27
	Weighted		Weighted
Total	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		31		27
Home equity loans		-		33
Home equity lines of credit		24		23
Installment		-		-
Total	$	55	$	83

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