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  "documentTitle": "Flushing Financial | Results Presentation Deck | 39 slides",
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  "notes": "Uses a visual contrast to define lending strategy.",
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      "text": "$0.9B portfolio with 42% located in Queens, Brooklyn, and the Bronx; We tend to lend to shopping centers and strip malls versus larger malls; Our average retail CRE loan is $2.4MM with average seasoning over 6 years; Weighted average LTV of 53%; Weighted average debt service coverage ratio is ~1.86x; No delinquent loans and only 1% of this portfolio is on the watchlist; Approximately 16% of this portfolio will mature or reprice in 2024",
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      "text": "1 LTVs are based on value at origination; 2 Based on most recent Annual Loan Review; Data as of June 30, 2023",
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      "text": "Retail CRE: Essential to Local Communities",
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