Allowance for Credit Losses on Loans and Leases (Tables)

9 Months Ended

Sep. 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 September 30, 2025
Balance, beginning of period	$	538	$	318	$	33	$	160	$	57	$	1,106
Charge-offs	(53)		(19)		(1)		(9)		(10)		(92)
Recoveries	7		1		—		8		3		19
Provision for (recovery of) credit losses on loans and leases	66		(45)		2		(2)		17		38
Balance, end of period	$	558	$	255	$	34	$	157	$	67	$	1,071
Three Months Ended September 30, 2024
Balance, beginning of period	$	618	$	371	$	40	$	173	$	66	$	1,268
Charge-offs	(101)		(114)		(7)		(33)		(5)		(260)
Recoveries	3		6		5		5		2		21
Provision for (recovery of) credit losses on loans and leases	104		79		4		42		6		235
Balance, end of period	$	624	$	342	$	42	$	187	$	69	$	1,264
Nine Months Ended September 30, 2025
Balance, beginning of period	$	639	$	304	$	39	$	151	$	68	$	1,201
Charge-offs	(238)		(41)		(3)		(50)		(24)		(356)
Recoveries	16		8		—		18		9		51
Provision for (recovery of) credit losses on loans and leases	141		(16)		(2)		38		14		175
Balance, end of period	$	558	$	255	$	34	$	157	$	67	$	1,071
Nine Months Ended September 30, 2024
Balance, beginning of period	$	307	$	402	$	47	$	134	$	102	$	992
Charge-offs	(188)		(415)		(8)		(79)		(15)		(705)
Recoveries	4		6		5		16		4		35
Provision for (recovery of) credit losses on loans and leases	501		349		(2)		116		(22)		942
Balance, end of period	$	624	$	342	$	42	$	187	$	69	$	1,264

(1)Includes ADC loans.

The following table presents additional information about our non-accrual loans at September 30, 2025:

	Non-accrual loans with no related allowance:		Non-accrual loans with an allowance recorded:		Total Non-Accrual loans		Related Allowance
Multi-family	$	2,148	$	292	$	2,440	$	47
Commercial real estate(1)	394		157		551		56
One-to-four family first mortgage	52		18		70		2
Commercial and Industrial	87		67		154		40
Other	—		26		26		23
Total	$	2,681	$	560	$	3,241	$	168

(1)Includes ADC loans.

The following table presents additional information about our 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.