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Consolidated Balance Sheets

In millions of USD; shares in millions, except per-share amounts
Q4 FY2025
As of Dec 31, 2025
Q3 FY2025
As of Sep 30, 2025
Q2 FY2025
As of Jun 30, 2025
Q1 FY2025
As of Mar 31, 2025
Q4 FY2024
As of Dec 31, 2024
Q3 FY2024
As of Sep 30, 2024
Q2 FY2024
As of Jun 30, 2024
Q1 FY2024
As of Mar 31, 2024
Q4 FY2023
As of Dec 31, 2023
Q3 FY2023
As of Sep 30, 2023
Q2 FY2023
As of Jun 30, 2023
Q1 FY2023
As of Mar 31, 2023
Q4 FY2022
As of Dec 31, 2022
Q3 FY2022
As of Sep 30, 2022
Q2 FY2022
As of Jun 30, 2022
Q1 FY2022
As of Mar 31, 2022
Q4 FY2021
As of Dec 31, 2021
Q3 FY2021
As of Sep 30, 2021
Q2 FY2021
As of Jun 30, 2021
Q1 FY2021
As of Mar 31, 2021
ASSETS
Cash and cash equivalents
Securities available-for-sale, at fair value
Securities held-to-maturity (fair value of $25,628 at December 31, 2025 and $29,995 at December 31, 2024, and allowance for credit losses of $91 at December 31, 2025 and $98 at December 31, 2024)
FHLB stock and other investments
Loans held for sale
Loans receivable, net of allowance for credit losses of $14,392 at December 31, 2025 and $12,965 at December 31, 2024
Real estate owned, net
Interest and dividends receivable
Premises and equipment, net
Right-of-use assets
Bank owned life insurance
Other assets
Total assets
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities
Deposits
Advances from the Federal Home Loan Bank
Advances by borrowers for taxes and insurance
Lease liabilities
Other liabilities
Total liabilities
Shareholders’ equity
Preferred stock, $0.01 par value, 10,000,000 authorized; none issued
Common stock $0.01 par value; 70,000,000 shares authorized; 28,522,500 shares issued at December 31, 2025 and December 31, 2024; 20,758,296 and 22,522,626 shares outstanding at December 31, 2025 and December 31, 2024, respectively
Additional paid-in capital
Retained earnings
Shares in ESOP
Treasury Stock, at cost: 7,764,204 shares at December 31, 2025 and 5,999,874 shares at December 31, 2024
Unallocated common shares held by Employee Stock Ownership Plan
Accumulated other comprehensive loss
Total shareholders’ equity
Total liabilities and shareholders’ equity

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