Non-interest expense decreased $2.2 million, or 15.1% , to $12.5 million for the three months ended June 30, 2026 , from $14.7 million for the three months ended June 30, 2025 primarily because of continued expense management efforts across the Company.

filing / Aug 7, 2026 / receipt

Non-interest expense decreased $3.9 million, or 13.3% , to $25.2 million for the six months ended June 30, 2026 , from $29.1 million for the six months ended June 30, 2025 primarily because of continued expense management efforts across the Company.

filing / Aug 7, 2026 / receipt

In developing this guidance, the Agencies recognized that different types of CRE lending present different levels of risk, and that consideration should be given to the lower risk profiles and historically superior performance of certain types of CRE, such as well-structured multifamily housing finance, when compared to others, such as speculative office space construction.

filing / Aug 7, 2026 / receipt

Non-interest expense decreased $2.2 million, or 15.1% , to $12.5 million for the three months ended June 30, 2026 , from $14.7 million for the three months ended June 30, 2025 primarily because of continued expense management efforts across the Company.

filing / Aug 7, 2026 / receipt

Non-interest expense decreased $3.9 million, or 13.3% , to $25.2 million for the six months ended June 30, 2026 , from $29.1 million for the six months ended June 30, 2025 primarily because of continued expense management efforts across the Company.

filing / Aug 7, 2026 / receipt

In developing this guidance, the Agencies recognized that different types of CRE lending present different levels of risk, and that consideration should be given to the lower risk profiles and historically superior performance of certain types of CRE, such as well-structured multifamily housing finance, when compared to others, such as speculative office space construction.

filing / Aug 7, 2026 / receipt

Non-interest expense decreased $1.6 million, or 11.5% , to $12.7 million for the three months ended March 31, 2026 , from $14.3 million for the three months ended March 31, 2025 primarily because of continued expense management efforts across the Company.

filing / May 8, 2026 / receipt

We believe that enhanced electronic delivery systems and technology increase profitability through greater productivity and cost control and allow us to offer new and better products and services.

filing / May 8, 2026 / receipt

In developing this guidance, the Agencies recognized that different types of CRE lending present different levels of risk, and that consideration should be given to the lower risk profiles and historically superior performance of certain types of CRE, such as well-structured multifamily housing finance, when compared to others, such as speculative office space construction.

filing / May 8, 2026 / receipt

Non-interest expense decreased $1.6 million, or 11.5% , to $12.7 million for the three months ended March 31, 2026 , from $14.3 million for the three months ended March 31, 2025 primarily because of continued expense management efforts across the Company.

filing / May 8, 2026 / receipt

We believe that enhanced electronic delivery systems and technology increase profitability through greater productivity and cost control and allow us to offer new and better products and services.

filing / May 8, 2026 / receipt

In developing this guidance, the Agencies recognized that different types of CRE lending present different levels of risk, and that consideration should be given to the lower risk profiles and historically superior performance of certain types of CRE, such as well-structured multifamily housing finance, when compared to others, such as speculative office space construction.

filing / May 8, 2026 / receipt