Company: ABR-PF
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001253986-25-000014
Chunk: 58

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-08-01
Form: 10-Q
Item: Part I, Item 1
Chunk 58
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 underlying properties in Texas and Florida represented 23% and 16%, 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.

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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 June 30, 2025MultifamilyLandSingle-Family RentalRetailCommercialOfficeTotalAllowance for credit losses:Beginning balance$150,911 $78,000 $6,524 $3,293 $1,700 $509 $240,937 Provision for credit losses (net of recoveries)16,552 190 788 — — (46)17,484 Charge-offs (1)(15,143)— — — — — (15,143)Ending balance$152,320 $78,190 $7,312 $3,293 $1,700 $463 $243,278 Three Months Ended June 30, 2024Allowance for credit losses:Beginning balance$125,999 $78,120 $2,737 $3,293 $1,700 $93 $211,942 Provision for credit losses (net of recoveries)25,849 330 1,176 — — 114 27,469 Charge-offs(488)— — — — — (488)Ending balance$151,360 $78,450 $3,913 $3,293 $1,700 $207 $238,923 Six Months Ended June 30, 2025Allowance for credit losses:Beginning balance$148,139 $78,130 $7,524 $3,293 $1,700 $181 $238,967 Provision for credit losses (net of recoveries)23,324 60 (212)— — 282 23,454 Charge-offs (2)(19,