Allowance for Credit Losses on Loans and Leases (Tables)

6 Months Ended

Jun. 30, 2025

Credit Loss [Abstract]

Schedule of Activity in the Allowance for Loan and Lease Losses

The following table summarizes activity in the ACL on loans and leases for the periods indicated:

	Multi- Family		Commercial Real Estate(1)		One-to-Four Family First Mortgage		Commercial and Industrial		Other		Total
Three Months Ended June 30, 2025
Balance, beginning of period	$	609	$	289	$	37	$	167	$	66	$	1,168
Charge-offs	(105)		(20)		(1)		(7)		(7)		(140)
Recoveries	9		7		—		4		3		23
Provision for (recovery of) credit losses on loans and leases	25		42		(3)		(4)		(5)		55
Balance, end of period	$	538	$	318	$	33	$	160	$	57	$	1,106
Three Months Ended June 30, 2024
Balance, beginning of period	$	469	$	482	$	42	$	157	$	65	$	1,215
Charge-offs	(76)		(237)		(1)		(35)		(5)		(354)
Recoveries	—		—		—		4		1		5
Provision for (recovery of) credit losses on loans and leases	225		126		(1)		47		5		402
Balance, end of period	$	618	$	371	$	40	$	173	$	66	$	1,268
Six Months Ended June 30, 2025
Balance, beginning of period	$	639	$	304	$	39	$	151	$	68	$	1,201
Charge-offs	(185)		(22)		(2)		(41)		(14)		(264)
Recoveries	9		7		—		10		6		32
Provision for (recovery of) credit losses on loans and leases	75		29		(4)		40		(3)		137
Balance, end of period	$	538	$	318	$	33	$	160	$	57	$	1,106
Six Months Ended June 30, 2024
Balance, beginning of period	$	307	$	402	$	47	$	134	$	102	$	992
Charge-offs	(87)		(301)		(1)		(46)		(10)		(445)
Recoveries	1		—		—		11		2		14
Provision for (recovery of) credit losses on loans and leases	397		270		(6)		74		(28)		707
Balance, end of period	$	618	$	371	$	40	$	173	$	66	$	1,268

(1)Includes ADC loans.

The following table presents additional information about the Company’s non-accrual loans at June 30, 2025:

	Non-accrual loans with no related allowance:		Non-accrual loans with an allowance recorded:		Total Non-accrual loans		Related Allowance
Multi-family	$	1,781	$	607	$	2,388	$	91
Commercial real estate(1)	377		186		563		64
One-to-four family first mortgage	58		23		81		2
Commercial and Industrial	72		51		123		37
Other	—		25		25		21
Total	$	2,288	$	892	$	3,180	$	215

(1)Includes ADC loans.

The following table presents additional information about the Company’s non-accrual loans at December 31, 2024:

	Non-accrual loans with no related allowance:		Non-accrual loans with an allowance recorded:		Total Non-accrual loans		Related Allowance
Multi-family	$	1,092	$	663	$	1,755	$	77
Commercial real estate(1)	429		135		564		31
One-to-four family first mortgage	61		9		70		1
Commercial and Industrial	51		151		202		—
Other	3		21		24		55
Total	$	1,636	$	979	$	2,615	$	164

(1)Includes ADC loans.