{"id":954340,"date":"2026-04-23T16:04:55","date_gmt":"2026-04-23T20:04:55","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/waterstone-financial-inc-announces-results-of-operations-for-the-three-months-ended-march-31-2026\/"},"modified":"2026-04-23T16:04:55","modified_gmt":"2026-04-23T20:04:55","slug":"waterstone-financial-inc-announces-results-of-operations-for-the-three-months-ended-march-31-2026","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/waterstone-financial-inc-announces-results-of-operations-for-the-three-months-ended-march-31-2026\/","title":{"rendered":"Waterstone Financial, Inc. Announces Results of Operations for the Three Months Ended March 31, 2026"},"content":{"rendered":"<div class=\"mw_release\">\n<p align=\"justify\">WAUWATOSA, Wis., April  23, 2026  (GLOBE NEWSWIRE) &#8212; Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $6.0 million, or $0.34 per diluted share, for the quarter ended March 31, 2026, compared to $3.0 million, or $0.17 per diluted share, for the quarter ended March 31, 2025. Net income totaled $7.7 million, or $0.44 per diluted share, for the quarter ended December 31, 2025.<\/p>\n<p align=\"justify\">\u201cWe started 2026 on a strong note due to continued net interest margin expansion and increased loan origination volumes at the mortgage banking segment,\u201d said William Bruss, Chief Executive Officer of Waterstone Financial, Inc. \u201cThe community banking segment had a record first quarter net interest income of $15.2 million, which represented a $2.8 million, or 22.8%, increase compared to the quarter ended March 31, 2025, as net interest margin grew to 2.97% for the quarter. The increases were primarily due to continued growth in yield on our loans held for investment and reduction of our cost of funds. We did increase our allowance for credit losses due to certain external qualitative factors even though asset quality metrics continue to stay strong. The mortgage banking segment increased pre-tax income $2.2 million due to an increase in loan origination activity as rates decreased periodically throughout the quarter. We increased our book value per share $0.33 during the quarter with continued strong earnings and the share repurchase program, prior to declaring an increased quarterly dividend of $0.17 per share. In total, $7.3 million was returned to shareholders through buybacks and dividends in the quarter.\u201d<\/p>\n<p align=\"justify\">\n        <strong>Highlights of the Quarter Ended March 31, 2026<\/strong>\n      <\/p>\n<p>\n        <strong>Waterstone Financial, Inc. (Consolidated)<\/strong>\n      <\/p>\n<ul>\n<li>Consolidated net income of Waterstone Financial, Inc. totaled $6.0 million for the quarter ended March 31, 2026 compared to net income of $3.0 million for the quarter ended December 31, 2025.<\/li>\n<li>Consolidated return on average assets (annualized) was 1.10% for the quarter ended March 31, 2026 and 0.57% for the quarter ended March 31, 2025.<\/li>\n<li>Consolidated return on average equity (annualized) was 6.88% for the quarter ended March 31, 2026 and 3.61% for the quarter ended March 31, 2025.<\/li>\n<li>Dividends declared during the quarter ended March 31, 2026 totaled $0.17 per common share.<\/li>\n<li>During the quarter ended March 31, 2026, we repurchased approximately 246,000 shares at a cost (including the federal excise tax) of $4.4 million, or $17.89 per share.<\/li>\n<li>Nonperforming assets as a percentage of total assets was 0.35% at March 31, 2026, 0.29% at December 31, 2025, and 0.35% at March 31, 2025.<\/li>\n<li>Past due loans as a percentage of total loans was 0.58% at March 31, 2026, 0.86% at December 31, 2025, and 0.67% at March 31, 2025.<\/li>\n<li>Book value per share was $19.19 at March 31, 2026 and $19.03 at December 31, 2025.<\/li>\n<\/ul>\n<p>\n        <strong>Community Banking Segment<\/strong>\n      <\/p>\n<ul>\n<li>Pre-tax income totaled $7.5 million for the quarter ended March 31, 2026, which represents a $1.4 million, or 23.7%, increase compared to $6.1 million for the quarter ended March 31, 2025.<\/li>\n<li>Net interest income totaled $15.2 million for the quarter ended March 31, 2026, which represents a $2.8 million, or 22.8%, increase compared to $12.4 million for the quarter ended March 31, 2025.<\/li>\n<li>Average loans held for investment totaled $1.68 billion during the quarter ended March 31, 2026, which represents an increase of $3.8 million, or 0.2%, compared to $1.67 billion for the quarter ended March 31, 2025. The increase was primarily due to increases in multi-family, construction, and commercial real estate mortgages offset by a decrease in single-family mortgages. Average loans held for investment decreased $33.3 million compared to $1.71 billion for the quarter ended December 31, 2025. The decrease was primarily due to a decrease in single-family real estate mortgages.<\/li>\n<li>Net interest margin increased 50 basis points to 2.97% for the quarter ended March 31, 2026 compared to 2.47% for the quarter ended March 31, 2025, which was primarily driven by an increase in weighted average yield on loans receivable and held for sale and decreases in the cost of borrowings and weighted average cost of deposits. Net interest margin increased eight basis points compared to 2.89% for the quarter ended December 31, 2025, which was primarily driven by an increase in weighted average yield on loans receivable and held for sale and decreases in the cost of borrowings and weighted average cost of deposits.<\/li>\n<li>Past due loans at the community banking segment totaled $6.9 million at March 31, 2026, $10.4 million at December 31, 2025, and $7.6 million at March 31, 2025.<\/li>\n<li>The segment had a provision for credit losses related to funded loans of $240,000 for the quarter ended March 31, 2026 compared to a negative provision for credit losses related to funded loans of $314,000 for the quarter ended March 31, 2025. The current quarter increase was primarily due to increases in multi-family and construction loan balances along with an increase in multi-family external qualitative factors. The provision for credit losses related to unfunded loan commitments was $44,000 for the quarter ended March 31, 2026 compared to a negative provision for credit losses related to unfunded loan commitments of $204,000 for the quarter ended March 31, 2025. The provision for credit losses related to unfunded loan commitments for the quarter ended March 31, 2026 was due primarily to an increase of the loan pipeline balance at quarter end.<\/li>\n<li>The efficiency ratio, a non-GAAP ratio, was 52.48% for the quarter ended March 31, 2026, compared to 59.66% for the quarter ended March 31, 2025.<\/li>\n<li>Average core retail deposits (excluding brokered and escrow accounts) totaled $1.33 billion during the quarter ended March 31, 2026, an increase of $54.8 million, or 4.3%, compared to $1.28 billion during the quarter ended March 31, 2025 due primarily to increases in money market and demand deposits balances. Average core retail deposits increased $8.7 million, or 2.6% annualized, compared to $1.32 billion for the quarter ended December 31, 2025. The segment had an average of $110.2 million in brokered certificate of deposits during the quarter ended March 31, 2026 compared to $97.1 million during the quarter ended March 31, 2025.<\/li>\n<\/ul>\n<p>\n        <strong>Mortgage Banking Segment<\/strong>\n      <\/p>\n<ul>\n<li>Pre-tax income totaled $22,000 for the quarter ended March 31, 2026, compared to a pre-tax loss of $2.2 million for the quarter ended March 31, 2025.<\/li>\n<li>Loan originations increased $120.6 million, or 31.1%, to $508.3 million during the quarter ended March 31, 2026, compared to $387.7 million during the quarter ended March 31, 2025. Origination volume relative to purchase activity accounted for 73.9% of originations for the quarter ended March 31, 2026 compared to 87.5% of total originations for the quarter ended March 31, 2025.<\/li>\n<li>Mortgage banking non-interest income increased $3.4 million, or 21.5%, to $19.1 million for the quarter ended March 31, 2026, compared to $15.7 million for the quarter ended March 31, 2025.<\/li>\n<li>Gross margin on loans sold totaled 3.65% for the quarter ended March 31, 2026, compared to 3.98% for the quarter ended March 31, 2025.<\/li>\n<li>Total compensation, payroll taxes and other employee benefits increased $2.4 million or 20.1%, to $14.5 million during the quarter ended March 31, 2026 compared to $12.1 million during the quarter ended March 31, 2025. The increase primarily related to increased commission expense, manager pay expense, production incentive expense, and salary expense.<\/li>\n<li>Professional fees decreased $1.2 million, or 88.9%, to $152,000 for the quarter ended March 31, 2026, compared to $1.4 million for the quarter ended March 31, 2025. The decrease was primarily related to legal services and the finalization of a settlement during the three months ended March 31, 2025.<\/li>\n<\/ul>\n<p align=\"justify\">\n        <strong>About Waterstone Financial, Inc.<\/strong><br \/>\n        <br \/>Waterstone Financial, Inc. is the savings and loan holding company for WaterStone Bank, a community-focused financial institution established in 1921. WaterStone Bank offers a comprehensive suite of personal and business banking products and operates 14 branch locations across southeastern Wisconsin. WaterStone Bank is also the parent company of WaterStone Mortgage Corporation, a national lender licensed in 48 states.<\/p>\n<p align=\"justify\">With a long-standing commitment to innovation, integrity, and community service, Waterstone Financial, Inc. supports the financial and homeownership goals of customers nationwide. For more information about WaterStone Bank, go to wsbonline.com<strong>.<\/strong><\/p>\n<p align=\"justify\">\n        <strong>Forward-Looking Statements<\/strong><br \/>\n        <br \/>This press release contains statements or information that may constitute forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements include, without limitation, statements regarding expected financial and operating activities and results that are preceded by, followed by, or that include words such as \u201cmay,\u201d \u201cexpects,\u201d \u201canticipates,\u201d \u201cestimates\u201d or \u201cbelieves.\u201d Any such statements are based upon current expectations that involve a number of risks and uncertainties and are subject to important factors that could cause actual results to differ materially from those anticipated by the forward-looking statements. Factors that might cause such a difference include changes in interest rates; demand for products and services; the degree of competition by traditional and nontraditional competitors; changes in banking regulation or actions by bank regulators; changes in tax laws; the impact of technological advances; governmental and regulatory policy changes; the outcomes of contingencies; trends in customer behavior as well as their ability to repay loans; changes in local real estate values; changes in the national and local economies; and other factors, including risk factors referenced in Item 1A. Risk Factors in Waterstone\u2019s most recent Annual Report on Form 10-K and as may be described from time to time in Waterstone\u2019s subsequent SEC filings, which factors are incorporated herein by reference. Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect only Waterstone\u2019s belief as of the date of this press release.<\/p>\n<p align=\"justify\">\n        <strong>Non-GAAP Financial Measures <\/strong><br \/>\n        <br \/>Management uses non-GAAP financial information in its analysis of the Company&#8217;s performance. Management believes that this non-GAAP measure provides a greater understanding of ongoing operations and enhance comparability of results of operations with prior periods. The Company\u2019s management believes that investors may use this non-GAAP measure to analyze the Company&#8217;s financial performance without the impact of unusual items or events that may obscure trends in the Company\u2019s underlying performance. This non-GAAP data should be considered in addition to results prepared in accordance with GAAP, and is not a substitute for, or superior to, GAAP results. Limitations associated with non-GAAP financial measures include the risks that persons might disagree as to the appropriateness of items included in this measure and that different companies might calculate this measure differently.<\/p>\n<p align=\"left\">\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"8\" style=\"width:99.9104%;text-align: center;vertical-align: middle\">\n            <strong>WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES<br \/>CONSOLIDATED STATEMENTS OF INCOME<br \/>(Unaudited)<br \/><\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%\">\u00a0<\/td>\n<td colspan=\"6\" style=\"width:36.0215%\">\u00a0<\/td>\n<td style=\"width:0.985663%\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"6\" style=\"width:36.0215%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>For The Three Months Ended March 31,<\/strong>\n          <\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:17.0251%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:17.0251%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"6\" style=\"width:36.0215%;text-align: center;vertical-align: middle;vertical-align: bottom\">(In Thousands, except per share amounts)<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:63%;width:62.9032%;min-width:63%;vertical-align: bottom\">Interest income:<\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:16%;width:15.9498%;min-width:16%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:16%;width:15.9498%;min-width:16%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Loans<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">25,951<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">25,078<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Mortgage-related securities<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,454<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,191<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Debt securities, federal funds sold and short-term investments<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,610<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,486<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Total interest income<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">29,015<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">27,755<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Interest expense:<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Deposits<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">10,373<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">11,332<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Borrowings<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3,179<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3,847<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Total interest expense<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">13,552<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">15,179<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Net interest income<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">15,463<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">12,576<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Provision (credit) for credit losses<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">264<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(558<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Net interest income after provision (credit) for loan losses<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">15,199<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">13,134<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Noninterest income:<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Service charges on loans and deposits<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">374<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">593<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Increase in cash surrender value of life insurance<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">549<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">481<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Mortgage banking income<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">18,950<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">15,728<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Other<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">355<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">295<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Total noninterest income<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">20,228<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">17,097<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Noninterest expenses:<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Compensation, payroll taxes, and other employee benefits<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">19,842<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">17,047<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Occupancy, office furniture, and equipment<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,966<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,929<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Advertising<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">617<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">723<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Data processing<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,258<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,212<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Communications<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">258<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">235<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Professional fees<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">383<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,736<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Real estate owned<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">2<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">(10<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Loan processing expense<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,029<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">920<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Other<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,520<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,558<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Total noninterest expenses<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">27,875<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">26,350<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Income before income taxes<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">7,552<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">3,881<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Income tax expense<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,555<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">845<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Net income<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:15.9498%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">5,997<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:15.9498%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3,036<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Income per share:<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Basic<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">0.35<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">0.17<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Diluted<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">0.34<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">0.17<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Weighted average shares outstanding:<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Basic<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">17,373<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">18,267<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:62.9032%;vertical-align: bottom\">Diluted<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">17,430<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:15.9498%;text-align: right;vertical-align: middle;vertical-align: bottom\">18,280<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<\/table>\n<p align=\"left\">\n        \n      <\/p>\n<p align=\"left\">\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"8\" style=\"text-align: center;vertical-align: middle\">\n            <strong>WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES<br \/>CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION<br \/><\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td>\u00a0<\/td>\n<td colspan=\"2\">\u00a0<\/td>\n<td>\u00a0<\/td>\n<td>\u00a0<\/td>\n<td colspan=\"2\">\u00a0<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>March 31,<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>December 31,<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>(Unaudited)<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Assets<\/strong>\n          <\/td>\n<td colspan=\"6\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">(In Thousands, except per share amounts)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:63%;width:63%;min-width:63%;vertical-align: bottom\">Cash<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">$<\/td>\n<td style=\"max-width:16%;width:16%;min-width:16%;text-align: right;vertical-align: middle;vertical-align: bottom\">38,759<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">$<\/td>\n<td style=\"max-width:16%;width:16%;min-width:16%;text-align: right;vertical-align: middle;vertical-align: bottom\">63,560<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Federal funds sold<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">5,598<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">7,255<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Interest-earning deposits in other financial institutions and other short term investments<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">296<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">292<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Cash and cash equivalents<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">44,653<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">71,107<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Securities available for sale (at fair value)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">237,024<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">230,848<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Loans held for sale (at fair value)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">144,350<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">145,057<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Loans receivable<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,684,312<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,675,552<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Less: Allowance for credit losses (&#8220;ACL&#8221;) &#8211; loans<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">17,709<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">17,478<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Loans receivable, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,666,603<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,658,074<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Office properties and equipment, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19,273<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18,855<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Federal Home Loan Bank stock (at cost)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18,760<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19,804<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Cash surrender value of life insurance<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">77,902<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">77,353<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Real estate owned, net<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">318<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">424<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Prepaid expenses and other assets<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">42,335<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">37,985<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Total assets<\/td>\n<td style=\"border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,251,218<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,259,507<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Liabilities and Shareholders&#8217; Equity<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Liabilities:<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Demand deposits<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">181,758<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">175,595<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Money market and savings deposits<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">342,527<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">329,031<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Time deposits<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">914,502<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">932,646<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Total deposits<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,438,787<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,437,272<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Borrowings<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">413,034<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">412,258<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Advance payments by borrowers for taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">11,128<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2,996<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Other liabilities<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">40,058<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">57,589<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Total liabilities<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,903,007<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1,910,115<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Shareholders&#8217; equity:<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Preferred stock<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Common stock<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">182<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">184<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Additional paid-in capital<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">74,488<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">78,014<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Retained earnings<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">296,027<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">292,957<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Unearned ESOP shares<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(9,199<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(9,496<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Accumulated other comprehensive loss, net of taxes<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(13,287<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(12,267<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Total shareholders&#8217; equity<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">348,211<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">349,392<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Total liabilities and shareholders&#8217; equity<\/td>\n<td style=\"border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,251,218<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,259,507<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Share Information<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Shares outstanding<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18,146<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">18,360<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Book value per share<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19.19<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">19.03<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<\/table>\n<p align=\"center\">\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"20\" style=\"text-align: center;vertical-align: middle\">\n            <strong>WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES<br \/>SUMMARY OF KEY QUARTERLY FINANCIAL DATA<br \/>(Unaudited)<br \/><\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td>\u00a0<\/td>\n<td colspan=\"18\">\u00a0<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"18\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>At or For the Three Months Ended<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>March 31,<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>December 31,<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>September 30,<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>June 30,<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>March 31,<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"18\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">(Dollars in Thousands, except per share amounts)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:36%;width:36%;min-width:36%;vertical-align: bottom\">\n            <strong>Condensed Results of Operations:<\/strong>\n          <\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:10%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:10%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:10%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:10%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:10%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net interest income<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">15,463<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">15,711<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">14,739<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">13,708<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">12,576<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Provision (credit) for credit losses<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">264<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(558<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(269<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(9<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">(558<\/td>\n<td style=\"vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Total noninterest income<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">20,228<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">21,459<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">22,302<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">24,329<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">17,097<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Total noninterest expense<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">27,875<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">27,677<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">27,466<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">28,377<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">26,350<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income before income taxes<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">7,552<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">10,051<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">9,844<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">9,669<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3,881<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income tax expense<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,555<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,338<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,918<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,942<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">845<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net income<\/td>\n<td style=\"border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">5,997<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">7,713<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">7,926<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">7,727<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3,036<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income per share \u2013 basic<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.35<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.44<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.45<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.43<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.17<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Income per share \u2013 diluted<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.34<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.44<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.45<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.43<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.17<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Dividends declared per common share<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.17<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.15<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.15<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.15<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">$<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.15<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Performance Ratios (annualized):<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Return on average assets &#8211; QTD<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.10<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.35<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.42<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.39<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.57<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Return on average equity &#8211; QTD<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.88<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">8.74<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">9.14<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">9.04<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.61<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net interest margin &#8211; QTD<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.97<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.89<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.76<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.60<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.47<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Return on average assets &#8211; YTD<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.10<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.19<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.13<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.99<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.57<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Return on average equity &#8211; YTD<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.88<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">7.62<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">7.23<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">6.32<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">3.61<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net interest margin &#8211; YTD<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.97<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.68<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.61<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.54<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">2.47<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\n            <strong>Asset Quality Ratios:<\/strong>\n          <\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Past due loans to total loans<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.58<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.86<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.50<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.69<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.67<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Nonaccrual loans to total loans<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.44<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.37<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.35<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.49<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.45<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Nonperforming assets to total assets<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.35<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.29<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.27<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.37<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">0.35<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Allowance for credit losses &#8211; loans to loans receivable<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.05<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.04<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.03<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.07<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"text-align: right;vertical-align: middle;vertical-align: bottom\">1.08<\/td>\n<td style=\"vertical-align: bottom\">%<\/td>\n<\/tr>\n<\/table>\n<p>\n        \n      <\/p>\n<p>\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"20\" style=\"width:100%;text-align: center;vertical-align: middle\">\n            <strong>WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES<br \/>SUMMARY OF QUARTERLY AVERAGE BALANCES AND YIELD\/COSTS<br \/>(Unaudited)<br \/><\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%\">\u00a0<\/td>\n<td colspan=\"18\" style=\"width:64.2473%\">\u00a0<\/td>\n<td style=\"width:1.5233%\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"18\" style=\"width:64.2473%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>At or For the Three Months Ended<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.8423%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>March 31,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.8423%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>December 31,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.8423%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>September 30,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.8423%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>June 30,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.8423%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>March 31,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.8423%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.8423%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.8423%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.8423%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.8423%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">\n            <strong>Average balances<\/strong>\n          <\/td>\n<td colspan=\"18\" style=\"width:64.2473%;text-align: center;vertical-align: middle;vertical-align: bottom\">(Dollars in Thousands)<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:36%;width:34.2294%;min-width:36%;vertical-align: bottom\">Interest-earning assets<\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.76703%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.76703%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.76703%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.76703%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.76703%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Loans receivable and held for sale<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,788,736<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,842,908<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,809,600<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,812,065<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,768,617<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Mortgage related securities<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">183,980<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">180,434<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">178,063<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">173,220<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">170,947<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Debt securities, federal funds sold and short term investments<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">137,861<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">133,781<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">131,165<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">131,710<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">123,004<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Total interest-earning assets<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2,110,577<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2,157,123<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2,118,828<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2,116,995<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2,062,568<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Noninterest-earning assets<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">108,366<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">107,462<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">103,434<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">105,382<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">105,030<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Total assets<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,218,943<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,264,585<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,222,262<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,222,377<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,167,598<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Interest-bearing liabilities<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Demand accounts<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">90,133<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">92,292<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">90,015<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">89,548<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">87,393<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Money market, savings, and escrow accounts<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">343,416<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">339,368<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">334,300<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">320,908<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">300,686<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Certificates of deposit &#8211; retail<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">817,019<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">823,586<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">823,274<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">830,550<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">818,612<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Certificates of deposit &#8211; brokered<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">110,192<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">105,496<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">61,814<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">72,533<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">97,101<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Total interest-bearing deposits<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,360,760<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,360,742<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,309,403<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,313,539<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,303,792<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Borrowings<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">377,438<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">419,541<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">440,968<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">437,784<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">397,053<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Total interest-bearing liabilities<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,738,198<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,780,283<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,750,371<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,751,323<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,700,845<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Noninterest-bearing demand deposits<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">88,975<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">89,673<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">88,799<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">85,665<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">80,372<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Noninterest-bearing liabilities<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">38,073<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">44,688<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">39,136<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">42,669<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">44,905<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Total liabilities<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,865,246<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,914,644<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,878,306<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,879,657<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,826,122<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Equity<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">353,697<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">349,941<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">343,956<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">342,720<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">341,476<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Total liabilities and equity<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,218,943<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,264,585<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,222,262<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,222,377<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,167,598<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">\n            <strong>Average Yield\/Costs (annualized)<\/strong>\n          <\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Loans receivable and held for sale<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5.88<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5.85<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5.84<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5.73<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5.75<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Mortgage related securities<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.21<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.09<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.04<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2.90<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2.83<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Debt securities, federal funds sold and short term investments<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4.74<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4.54<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4.74<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4.74<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4.90<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Total interest-earning assets<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5.58<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5.54<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5.53<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5.43<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5.46<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Demand accounts<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">0.11<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">0.11<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">0.11<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">0.11<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">0.11<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Money market and savings accounts<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2.25<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2.09<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2.04<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2.07<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">2.10<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Certificates of deposit &#8211; retail<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.68<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.78<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.92<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">4.11<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">4.33<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Certificates of deposit &#8211; brokered<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.82<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.89<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4.11<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4.35<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4.18<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Total interest-bearing deposits<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.09<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.12<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.19<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.35<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.52<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: bottom\">Borrowings<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.42<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.51<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.86<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.67<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">3.93<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.2294%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">Total interest-bearing liabilities<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.16<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.21<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.36<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.43<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.62<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<\/table>\n<p>\n        \n      <\/p>\n<p>\n        \n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"20\" style=\"width:100.179%;text-align: center;vertical-align: middle\">\n            <strong>COMMUNITY BANKING SEGMENT<br \/>SUMMARY OF KEY QUARTERLY FINANCIAL DATA<br \/>(Unaudited)<br \/><\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%\">\u00a0<\/td>\n<td colspan=\"18\" style=\"width:64.2473%\">\u00a0<\/td>\n<td style=\"width:1.5233%\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"18\" style=\"width:64.2473%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>At or For the Three Months Ended<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>March 31,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.9319%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>December 31,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:11.0215%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>September 30,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>June 30,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>March 31,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.9319%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:11.0215%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"18\" style=\"width:64.2473%;text-align: center;vertical-align: middle;vertical-align: bottom\">(Dollars in Thousands)<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:36%;width:34.4086%;min-width:36%;vertical-align: bottom\">\n            <strong>Condensed Results of Operations:<\/strong>\n          <\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.67742%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.16487%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.76703%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.25448%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.76703%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.67742%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.67742%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Net interest income<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">15,226<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">15,521<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">14,617<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">13,640<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">12,403<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Provision (credit) for credit losses<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">284<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">(518<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">(276<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">(19<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">(518<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Total noninterest income<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,153<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,305<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,359<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,686<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,348<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Noninterest expenses:<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Compensation, payroll taxes, and other employee benefits<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">5,575<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5,646<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">5,036<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">5,027<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">5,212<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Occupancy, office furniture and equipment<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,103<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,026<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">907<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">920<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,076<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Advertising<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">212<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">250<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">213<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">219<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">171<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Data processing<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">765<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">741<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">733<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">806<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">712<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Communications<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">112<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">103<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">108<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">99<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">100<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Professional fees<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">228<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">185<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">200<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">196<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">347<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Real estate owned<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">2<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">(298<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">4<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">(8<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">(10<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Loan processing expense<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Other<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">598<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">630<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">617<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">466<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">596<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Total noninterest expense<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">8,595<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">8,283<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">7,818<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">7,725<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">8,204<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Income before income taxes<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">7,500<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">9,061<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">8,434<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">7,620<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">6,065<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Income tax expense<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,538<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">2,063<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,518<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,400<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,427<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Net income<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">5,962<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">6,998<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">6,916<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">6,220<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">4,638<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Efficiency ratio &#8211; QTD (non-GAAP)<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">52.48<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">49.23<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">48.94<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">50.40<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">59.66<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.4086%;vertical-align: bottom\">Efficiency ratio &#8211; YTD (non-GAAP)<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">52.48<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">51.76<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.25448%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">52.71<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">54.78<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">59.66<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<\/table>\n<p>\n        <br \/>\u00a0<\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"20\" style=\"width:100%;text-align: center;vertical-align: middle\">\n            <strong>MORTGAGE BANKING SEGMENT<br \/>SUMMARY OF KEY QUARTERLY FINANCIAL DATA<br \/>(Unaudited)<br \/><\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%\">\u00a0<\/td>\n<td colspan=\"18\" style=\"width:64.1577%\">\u00a0<\/td>\n<td style=\"width:1.5233%\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"18\" style=\"width:64.1577%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>At or For the Three Months Ended<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>March 31,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.9319%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>December 31,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.9319%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>September 30,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>June 30,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>March 31,<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.9319%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.9319%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"width:10.7527%;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2025<\/strong>\n          <\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"18\" style=\"width:64.1577%;text-align: center;vertical-align: middle;vertical-align: bottom\">(Dollars in Thousands)<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:36%;width:34.319%;min-width:36%;vertical-align: bottom\">\n            <strong>Condensed Results of Operations:<\/strong>\n          <\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.67742%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.16487%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.76703%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.16487%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.76703%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.67742%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:0.985663%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.07527%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:10%;width:9.67742%;min-width:10%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1.5233%;min-width:1%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Net interest income<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">214<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">205<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">103<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">53<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">152<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Provision (credit) for credit losses<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">(20<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">(40<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">7<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">10<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">(40<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Total noninterest income<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">19,121<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">20,172<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">20,985<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">22,643<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">15,731<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Noninterest expenses:<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Compensation, payroll taxes, and other employee benefits<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">14,471<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">15,489<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">15,716<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">16,312<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">12,054<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Occupancy, office furniture and equipment<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">863<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">798<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">781<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">833<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">853<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Advertising<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">405<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">446<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">499<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">527<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">552<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Data processing<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">490<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">465<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">475<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">507<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">498<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Communications<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">146<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">129<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">141<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">158<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">135<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Professional fees<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">152<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">33<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">180<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">303<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,373<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Real estate owned<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Loan processing expense<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,029<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">571<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">688<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">817<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">920<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Other<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,777<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,586<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,271<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,230<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,751<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Total noninterest expense<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">19,333<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">19,517<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">19,751<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">20,687<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">18,136<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Income (loss) before income taxes expense (benefit)<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">22<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">900<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,330<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">1,999<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">(2,213<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Income tax expense (benefit)<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">10<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">244<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">382<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">531<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;border-bottom: solid black 1pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(588<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Net income (loss)<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">12<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">656<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">948<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">1,468<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;border-bottom: double black 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;border-bottom: double black 3pt;text-align: right;vertical-align: middle;vertical-align: bottom\">(1,625<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">)<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Efficiency ratio &#8211; QTD (non-GAAP)<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">99.99<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">95.78<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">93.66<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">91.15<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">114.18<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Efficiency ratio &#8211; YTD (non-GAAP)<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">99.99<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">97.56<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">98.17<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">100.63<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">114.18<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Loan originations<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">508,314<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">534,646<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">539,404<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">588,838<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">$<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">387,729<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Purchase<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">73.9<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">78.9<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">90.1<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">91.7<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">87.5<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Refinance<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">26.1<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">21.1<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">9.9<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">8.3<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">12.5<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%;vertical-align: bottom\">Gross margin on loans sold<sup>(1)<\/sup><\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.65<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.80<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.16487%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.76703%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.87<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.84<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<td style=\"width:0.985663%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:1.07527%;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"width:9.67742%;text-align: right;vertical-align: middle;vertical-align: bottom\">3.98<\/td>\n<td style=\"width:1.5233%;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"width:34.319%\">\u00a0<\/td>\n<td style=\"width:1.07527%\">\u00a0<\/td>\n<td style=\"width:9.67742%\">\u00a0<\/td>\n<td style=\"width:1.5233%\">\u00a0<\/td>\n<td style=\"width:0.985663%\">\u00a0<\/td>\n<td style=\"width:1.16487%\">\u00a0<\/td>\n<td style=\"width:9.76703%\">\u00a0<\/td>\n<td style=\"width:1.5233%\">\u00a0<\/td>\n<td style=\"width:0.985663%\">\u00a0<\/td>\n<td style=\"width:1.16487%\">\u00a0<\/td>\n<td style=\"width:9.76703%\">\u00a0<\/td>\n<td style=\"width:1.5233%\">\u00a0<\/td>\n<td style=\"width:0.985663%\">\u00a0<\/td>\n<td style=\"width:1.07527%\">\u00a0<\/td>\n<td style=\"width:9.67742%\">\u00a0<\/td>\n<td style=\"width:1.5233%\">\u00a0<\/td>\n<td style=\"width:0.985663%\">\u00a0<\/td>\n<td style=\"width:1.07527%\">\u00a0<\/td>\n<td style=\"width:9.67742%\">\u00a0<\/td>\n<td style=\"width:1.5233%\">\u00a0<\/td>\n<\/tr>\n<\/table>\n<p>\n        <sup>(1)<\/sup> Gross margin on loans sold equals mortgage banking income (excluding the change in interest rate lock value) divided by total loan originations.<\/p>\n<p>\n        <strong>Contact: <\/strong><br \/>\n        <br \/>Mark R. Gerke<br \/>Chief Financial Officer<br \/>414-459-4012<br \/>markgerke@wsbonline.com<\/p>\n<p>      <img decoding=\"async\" alt=\"\" class=\"__GNW8366DE3E__IMG\" src=\"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTY5NTkzNiM3NTUyNzA0IzIwODk5NTM=\" \/><br \/>\n      <br \/>\n      <img decoding=\"async\" alt=\"\" src=\"https:\/\/ml.globenewswire.com\/media\/MjQ5YzRmY2ItNGVhOS00NGU2LWFkYjItOWU4NDlkNzA4NjAwLTExMDE1MjQtMjAyNi0wNC0yMy1lbg==\/tiny\/Waterstone-Financial-Inc-.png\" \/>\n    <\/div>\n<div class=\"mw_contactinfo\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>WAUWATOSA, Wis., April 23, 2026 (GLOBE NEWSWIRE) &#8212; Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $6.0 million, or $0.34 per diluted share, for the quarter ended March 31, 2026, compared to $3.0 million, or $0.17 per diluted share, for the quarter ended March 31, 2025. Net income totaled $7.7 million, or $0.44 per diluted share, for the quarter ended December 31, 2025. \u201cWe started 2026 on a strong note due to continued net interest margin expansion and increased loan origination volumes at the mortgage banking segment,\u201d said William Bruss, Chief Executive Officer of Waterstone Financial, Inc. \u201cThe community banking segment had a record first quarter net interest income of $15.2 million, which represented &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/waterstone-financial-inc-announces-results-of-operations-for-the-three-months-ended-march-31-2026\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Waterstone Financial, Inc. Announces Results of Operations for the Three Months Ended March 31, 2026&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-954340","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Waterstone Financial, Inc. 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