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  "documentTitle": "Flushing Financial | Results Presentation Deck | 39 slides",
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  "presentationDate": "2024-01-01 00:00:00",
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      "text": "Over two decades and multiple credit cycles, Flushing Financial has a history of better than industry credit quality",
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      "text": "Weighted average debt service ratios (DSR) for Multifamily and Investor CRE portfolios at ~1.8x",
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      "text": "1 \"Industry\" includes FDIC insured institutions from “FDIC Statistics At A Glance” through September 30, 2023. 2 Based on most recent Annual Loan Review. 3 Based upon a sample size of 89% of loans adjusting between 2023 and 2025 with no increase in rents or total income. 4 Based on appraised value at origination.",
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      "text": "Net Charge-offs Significantly Better Than the Industry; Strong DSR",
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