Company: ABR-PF
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0001253986-25-000022
Chunk: 60

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-10-31
Form: 10-Q
Item: Part I, Item 1
Chunk 60
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 25 loans with an aggregate net carrying value of $531.8 million, net of loan loss reserves of $22.9 million, were classified as non-performing and, at December 31, 2024, 26 loans with an aggregate net carrying value of $598.9 million, net of related loan loss reserves of $23.8 million, were classified as non-performing. A summary of our non-performing loans by asset class is as follows (in thousands):September 30, 2025December 31, 2024UPBCarrying ValueUPBCarrying ValueMultifamily$563,501 $552,146 $649,227 $620,072 Commercial1,700 1,700 1,700 1,700 Retail920 910 920 910 Total$566,121 $554,756 $651,847 $622,682 At both September 30, 2025 and December 31, 2024, we had no loans contractually past due greater than 60 days that are still accruing interest. Other Non-accrual LoansIn this challenging economic environment, we have been experiencing late and partial payments on certain loans in our structured portfolio. Therefore, for loans that are 60 days past due or less, if we have determined there is reasonable doubt about collectability of all 

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

principal and interest, we classify those loans as non-accrual and recognize interest income only when cash is received. The table below is a summary of those loans that are 60 days past due or less that we have classified as non-accrual, and changes to those loans for the periods presented (in thousands).Three Months Ended September 30, 2025Nine Months Ended September 30, 2025Beginning balance (3 and 9 multifamily bridge loans, respectively)$56,912 $167,428 Loans that progressed to greater than 60 days past due(56,912)(139,202)Loans modified or paid off — (86,165)Loans transferred to REO— (48,500)Additional loans classified as non-accrual183,129 289,568 Ending balance (8 multifamily bridge loans)$183,129 $183