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  "documentTitle": "Flushing Financial | Investor Conference Presentation Deck | 32 slides",
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  "notes": "Uses a 'before-after' style framing to differentiate the firm's risk profile from typical high-exposure Manhattan CRE.",
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      "text": "Average loan size is $3.3 million; Weighted average LTV of 50% and a weighted average debt service coverage ratio of 1.8x; No office loans are nonaccrual and about 26% of the portfolio will have upward rate adjustments through 2024; Minimal exposure to Manhattan office buildings; over one third is medical",
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