Loan Portfolio and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2026

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, 2026
(dollars in thousands)	New York and
	other states*		Florida		Total
Commercial:
Commercial real estate	$	248,332	$	49,848	$	298,180
Other		18,148		435		18,583
Real estate mortgage - 1 to 4 family:
First mortgages		2,820,269		1,612,456		4,432,725
Home equity loans		47,642		17,544		65,186
Home equity lines of credit		268,011		196,876		464,887
Installment		7,664		2,953		10,617
Total loans, net	$	3,410,066	$	1,880,112		5,290,178
Less: Allowance for credit losses on loans						52,994
Net loans					$	5,237,184

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

	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.

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, 2026 and 2025 is summarized as follows:

	For the three months ended March 31, 2026
(dollars in thousands)				Real Estate
				Mortgage-
	Commercial			1 to 4 Family			Installment		Total
Balance at beginning of period	$	3,081		$	48,895		$	229	$	52,205
Loans charged off:
New York and other states*		19			-			12		31
Florida		-			-			14		14
Total loan chargeoffs		19			-			26		45
Recoveries of loans previously charged off:
New York and other states*		-			43			1		44
Florida		40			-			-		40
Total recoveries		40			43			1		84
Net loan (recoveries) charged off		(21	)		(43	)		25		(39	)
Provision for credit losses		31			714			5		750
Balance at end of period	$	3,133		$	49,652		$	209	$	52,994

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

	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 loan recoveries		(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.

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, 2026 and 2025 is as follows:

	For the three
	months ended
(In thousands)	March 31, 2026
Balance at December 31, 2025	$	1,862
Provision  for credit losses		200
Balance at March 31, 2026	$	2,062

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

Risk Category Loans by Class of Loans

As of March 31, 2026 and December 31, 2025, 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, 2026
	Term Loans Amortized Cost Basis by Origination Year
Commercial :	2026		2025		2024		2023		2022		Prior		Revolving Loans Amortized Cost Basis		Revolving Loan Converted to Term		Total
Risk rating
Pass	$	10,605	$	47,474	$	46,897	$	48,227	$	63,528	$	74,273	$	4,061	$	-	$	295,065
Special Mention		-		-		-		-		584		-		-		-		584
Substandard		-		-		890		-		969		672		-		-		2,531
Doubtful		-		-		-		-		-		-		-		-		-
Total Commercial Loans	$	10,605	$	47,474	$	47,787	$	48,227	$	65,081	$	74,945	$	4,061	$	-	$	298,180
Commercial Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	19	$	-	$	-	$	-	$	19
	$	-	$	-	$	-	$	-	$	19	$	-	$	-	$	-	$	19
Commercial Other:
Risk rating
Pass	$	1,334	$	4,251	$	1,192	$	6,104	$	1,170	$	467	$	3,971	$	-	$	18,489
Special mention		-		-		-		45		-		-		-		-		45
Substandard		-		-		9		-		-		-		40		-		49
Doubtful		-		-		-		-		-		-		-		-		-
Total Commercial Real Estate Loans	$	1,334	$	4,251	$	1,201	$	6,149	$	1,170	$	467	$	4,011	$	-	$	18,583
Other Commercial Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential First Mortgage:
Risk rating
Performing	$	110,099	$	388,811	$	297,056	$	359,822	$	493,884	$	2,764,516	$	1,784	$	-	$	4,415,972
Nonperforming		-		-		722		1,714		1,257		13,060		-		-		16,753
Total First Mortgage:	$	110,099	$	388,811	$	297,778	$	361,536	$	495,141	$	2,777,576	$	1,784	$	-	$	4,432,725
Residential First Mortgage Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Home Equity Loans:
Risk rating
Performing	$	3,858	$	17,251	$	5,001	$	6,645	$	4,100	$	27,921	$	-	$	-	$	64,776
Nonperforming		-		-		-		-		66		344		-		-		410
Total Home Equity Loans:	$	3,858	$	17,251	$	5,001	$	6,645	$	4,166	$	28,265	$	-	$	-	$	65,186
Home Equity Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Home Equity Lines of Credit:
Risk rating
Performing	$	594	$	2,345	$	3,045	$	1,146	$	1,337	$	23,383	$	430,766	$	-	$	462,616
Nonperforming		-		-		94		129		-		1,776		272		-		2,271
Total Home Equity Credit Lines:	$	594	$	2,345	$	3,139	$	1,275	$	1,337	$	25,159	$	431,038	$	-	$	464,887
Home Equity Lines of Credit:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Installments:
Risk rating
Performing	$	423	$	2,942	$	1,668	$	2,700	$	1,290	$	633	$	898	$	-	$	10,554
Nonperforming		-		23		-		-		38		1		1		-		63
Total Installments	$	423	$	2,965	$	1,668	$	2,700	$	1,328	$	634	$	899	$	-	$	10,617
Installments Loans:
Current-period Gross writeoffs	$	-	$	4	$	1	$	18	$	2	$	1	$	-	$	-	$	26
	$	-	$	4	$	1	$	18	$	2	$	1	$	-	$	-	$	26

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:	$	-	$	-	$	-	$	-	$	4	$	-	$	-	$	-	$	4
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	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
Doubtful		-		-		-		-		-		-		-		-		-
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 Lines Loans:
Current-period Gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Home Equity Credit Lines:
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

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, 2026 and December 31, 2025:

	As of March 31, 2026
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	$	-	$	1,961	$	1,962	$	246,370	$	248,332
Other			-		-		7		7		18,141		18,148
Real estate mortgage - 1 to 4 family:
First mortgages			3,138		1,269		7,237		11,644		2,808,625		2,820,269
Home equity loans			34		-		232		266		47,376		47,642
Home equity lines of credit			430		151		945		1,526		266,485		268,011
Installment			24		-		24		48		7,616		7,664
Total		$	3,627	$	1,420	$	10,406	$	15,453	$	3,394,613	$	3,410,066

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	$	-	$	-	$	-	$	-	$	49,848	$	49,848
Other		-		-		-		-		435		435
Real estate mortgage - 1 to 4 family:
First mortgages		2,344		153		1,595		4,092		1,608,364		1,612,456
Home equity loans		-		-		-		-		17,544		17,544
Home equity lines of credit		290		-		187		477		196,399		196,876
Installment		23		18		-		41		2,912		2,953
Total	$	2,657	$	171	$	1,782	$	4,610	$	1,875,502	$	1,880,112

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	$	-	$	1,961	$	1,962	$	296,218	$	298,180
Other		-		-		7		7		18,576		18,583
Real estate mortgage - 1 to 4 family:
First mortgages		5,482		1,422		8,832		15,736		4,416,989		4,432,725
Home equity loans		34		-		232		266		64,920		65,186
Home equity lines of credit		720		151		1,132		2,003		462,884		464,887
Installment		47		18		24		89		10,528		10,617
Total	$	6,284	$	1,591	$	12,188	$	20,063	$	5,270,115	$	5,290,178

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

	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.

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, 2026
(dollars in thousands)	New York and
	other states*		Florida		Total
Loans in non-accrual status:
Commercial:
Commercial real estate	$	1,961	$	-	$	1,961
Other		7		-		7
Real estate mortgage - 1 to 4 family:
First mortgages		12,966		3,787		16,753
Home equity loans		405		5		410
Home equity lines of credit		1,841		430		2,271
Installment		43		20		63
Total nonperforming loans	$	17,223	$	4,242	$	21,465

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

	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.

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, 2026 and December 31, 2025:

	As of March 31, 2026
(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	$	1,961	$	-		-
Other		7		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		15,313		1,440		-
Home equity loans		410		-		-
Home equity lines of credit		2,062		209		-
Installment		39		24		-
Total loans, net	$	19,792	$	1,673		-

	As of December 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	$	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		-

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, 2026 and December 31, 2025:

	As of March 31, 2026
(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		3,133		49,652		209		52,994
Total ending allowance balance	$	3,133	$	49,652	$	209	$	52,994
Loans:
Individually evaluated for impairment	$	2,059	$	24,350	$	39	$	26,448
Collectively evaluated for impairment		314,704		4,938,448		10,578		5,263,730
Total ending loans balance	$	316,763	$	4,962,798	$	10,617	$	5,290,178

	As of December 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		3,081		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

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, 2026 and December 31, 2025:

	As of March 31, 2026
	Type of Collateral
(dollars in thousands)
	Real Estate		Investment Securities/Cash		Other
Commercial:
Commercial real estate	$	2,052	$	-	$	-
Other		-		-		7
Real estate mortgage - 1 to 4 family:		-		-		-
First mortgages		21,235		-		-
Home equity loans		501		-		-
Home equity lines of credit		2,614		-		-
Installment		-		-		39
Total	$	26,402	$	-	$	46

	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

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, 2026				March 31, 2025
	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	%

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		273		0.02	%		-		-
Home equity loans		-		-			-		-
Home equity lines of credit		-		-			-		-
Installment		-		-			-		-
Total	$	273		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		273		0.01	%		75		0.00	%
Home equity loans		-		-			-		-
Home equity lines of credit		-		-			122		0.03	%
Installment		-		-			-		-
Total	$	273		0.01	%	$	197		0.00	%

* 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 March 31, 2026 and 2025:

			As of March 31, 2026
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		78		-		-		238		316
Home equity loans		-		-		-				-
Home equity lines of credit		-		-		-		-		-
Installment		-		-		-		-		-
Total	$	78	$	-	$	-	$	238	$	316

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		1,022		-		-		-		1,022
Home equity loans		-		-		-		-		-
Home equity lines of credit		-		-		-		-		-
Installment		-		-		-		-		-
Total	$	1,022	$	-	$	-	$	-	$	1,022

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		1,100		-		-		238		1,338
Home equity loans		-		-		-		-		-
Home equity lines of credit		-		-		-		-		-
Installment		-		-		-		-		-
Total	$	1,100	$	-	$	-	$	238	$	1,338

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

			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		78		181		-		80		339
Home equity loans		106		-		-				106
Home equity lines of credit		303		-		122		-		425
Installment		-		-		-		-		-
Total	$	487	$	181	$	122	$	80	$	870

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	$	-	$	-	$	-	$	-	$	-

			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		78		181		-		80		339
Home equity loans		106		-		-		-		106
Home equity lines of credit		303		-		122		-		425
Installment		-		-		-		-		-
Total	$	487	$	181	$	122	$	80	$	870

* 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:
	March 31, 2026		March 31, 2025
	Weighted		Weighted
New York and other states*:	Average		Average
	Payment		Payment
	Delay (Months)		Delay (Months)
Commercial:
Commercial real estate		-		-
Other		-		-
Real estate mortgage - 1 to 4 family:		-		-
First mortgages		-		24
Home equity loans		-		-
Home equity lines of credit		-		24
Installment		-		-
Total		-		48

	Weighted		Weighted
Florida:	Average		Average
	Payment		Payment
	Delay (Months)		Delay (Months)
Commercial:
Commercial real estate		-		-
Other		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		7		-
Home equity loans		-		-
Home equity lines of credit		-		-
Installment		-		-
Total		7		-

	Weighted		Weighted
Total	Average		Average
	Payment		Payment
	Delay (Months)		Delay (Months)
Commercial:
Commercial real estate		-		-
Other		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		7		24
Home equity loans		-		-
Home equity lines of credit		-		24
Installment		-		-
Total		7		48

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