Company: ABR-PF
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0001253986-25-000022
Chunk: 172

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-10-31
Form: 10-Q
Item: Part I, Item 8
Chunk 172
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Total Retail$— $— $— $— $— $19,520 $19,520 0 %88 %Commercial:Percentage of portfolio< 1%Doubtful$— $— $— $— $— $1,700 $1,700 Total Commercial$— $— $— $— $— $1,700 $1,700 0 %100 %Percentage of portfolio< 1%Grand Total$1,439,313 $867,191 $4,281,700 $3,998,292 $305,395 $413,065 $11,304,956 2 %80 %Charge-offs$464 $— $4,077 $7,668 $— $— $12,209 Geographic Concentration RiskAt September 30, 2025, underlying properties in Texas and Florida represented 24% and 18%, respectively, of the outstanding balance of our loan and investment portfolio. At December 31, 2024, underlying properties in Texas and Florida represented 23% and 17%, respectively, of the outstanding balance of our loan and investment portfolio. No other states represented 10% or more of the total loan and investment portfolio.

13

Table of ContentsARBOR REALTY TRUST, INC. AND SUBSIDIARIESNOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited)

Allowance for Credit LossesA summary of the changes in the allowance for credit losses is as follows (in thousands): Three Months Ended September 30, 2025MultifamilyLandSingle-Family RentalRetailCommercialOfficeTotalAllowance for credit losses:Beginning balance$152,320 $78,190 $7,312 $3,293 $1,700 $463 $243,278 Provision for credit losses (net of recoveries)18,674 (321)1,374 — — (96)19,631 Charge-offs (1)(16,600)— — — — — (16,600)Ending balance$154,394 $77,869 $8,686 $3,293 $1,700 $367 $246,309 Three Months Ended September 30, 2024Allowance for credit