{ "chunks": [ { "id": "e867336f-823a-41a0-b87c-9e6718ced3fd", "grounding": { "box": { "bottom": 0.129942387342453, "left": 0.04321572184562683, "right": 0.6001690626144409, "top": 0.07038695365190506 }, "page": 0 }, "markdown": "\n\nCRE LOAN RISK RATINGS AND CECL RESERVES", "type": "text" }, { "id": "f3e24849-3707-44fd-a573-0f6c6f377c3e", "grounding": { "box": { "bottom": 0.21533769369125366, "left": 0.0466671846807003, "right": 0.11625446379184723, "top": 0.15976962447166443 }, "page": 0 }, "markdown": "\n\n| 86%", "type": "text" }, { "id": "fce10239-3e49-433c-8f8b-08dc51b72265", "grounding": { "box": { "bottom": 0.21766236424446106, "left": 0.12179110944271088, "right": 0.43690574169158936, "top": 0.1580674648284912 }, "page": 0 }, "markdown": "\n\nof ACR's loans have a risk rating of 1, 2 or 3 that are\nperforming in line with or near underwritten expectations 1,2", "type": "text" }, { "id": "85347513-a06c-417c-b519-c9047feec92d", "grounding": { "box": { "bottom": 0.21800358593463898, "left": 0.5175318121910095, "right": 0.8773747086524963, "top": 0.160188689827919 }, "page": 0 }, "markdown": "\n\n52 of ACR's 57 loans, or 94%, are current on contractual payments at\nJune 30, 2026", "type": "text" }, { "id": "233d8848-2133-4170-8b95-3ff49172c324", "grounding": { "box": { "bottom": 0.4651147723197937, "left": 0.044386833906173706, "right": 0.9550286531448364, "top": 0.23983965814113617 }, "page": 0 }, "markdown": "\n\n<::bar chart: W.A. Risk Rating by Collateral Type, $ at par\nOverall W.A. 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Risk Rating by Collateral Type, $ at par\nOverall W.A. Risk Rating: 1Q26: 2.5, 2Q26: 2.6\n\nData Series:\nMultifamily:\n - 1st Period: Risk Rating 2.5, Value $1.8B\n - 2nd Period: Risk Rating 2.5, Value $1.7B\nOffice:\n - 1st Period: Risk Rating 3.1, Value $241.4M\n - 2nd Period: Risk Rating 3.1, Value $244.4M\nHotel:\n - 1st Period: Risk Rating 2.7, Value $103.3M\n - 2nd Period: Risk Rating 2.7, Value $103.3M\nSelf-Storage:\n - 1st Period: Risk Rating 4.0, Value $16.0M\n - 2nd Period: Risk Rating 4.0, Value $16.0M\nMixed-Use:\n - 1st Period: Risk Rating 2.0, Value $47.8M\n - 2nd Period: Risk Rating 2.0, Value $49.3M::>\n\n\n\n<::CECL Reserve Overview\n\noption Specific CECL Reserve: [ ]\noption General CECL Reserve: [ ]\n\nBar Chart:\n\n1Q26:\nTotal Reserve: $19.4M\nValue: $19.4M\nRisk breakdown:\n49% Risk Rated 4 - 5\n51% Risk Rated 1 - 3\n\n2Q26:\nTotal Reserve: $21.1M\nValue: $21.1M\nRisk breakdown:\n50% Risk Rated 4 - 5\n50% Risk Rated 1 - 3\n: chart::>\n\n\n\n<::2Q26 Risk Rating Overview\u00b2\n\nLoan Count\nRisk Rating 1: 0 loans\nRisk Rating 2: 32 loans\nRisk Rating 3: 15 loans\nRisk Rating 4: 9 loans\nRisk Rating 5: 1 loan\n\nBar chart showing the percentage distribution for each risk rating:\nRisk Rating 1: 0%\nRisk Rating 2: 70%\nRisk Rating 3: 16%\nRisk Rating 4: 14%\nRisk Rating 5: 0%\u00b3\n: bar chart::>\n\n\n\n1 See page 23 for additional information on the risk rating definitions\n2 Percentage represents the Company's economic interest in the CRE loans\n3 Amount is less than 0.5%\n\n\n\n<::logo: Undetermined\nA\nA dark green letter 'A' is enclosed within a slightly irregular dark green circle.::>\n\n\n\nACRESREIT.COM 9", "metadata": { "credit_usage": 3.0, "duration_ms": 16099, "filename": "p9.pdf", "job_id": "cmsgtoxbc00gvb501jq1payn6", "org_id": "dlh8mka28ml4", "page_count": 1, "version": "dpt-2-20260410", "failed_pages": [] }, "splits": [ { "chunks": [ "e867336f-823a-41a0-b87c-9e6718ced3fd", "f3e24849-3707-44fd-a573-0f6c6f377c3e", "fce10239-3e49-433c-8f8b-08dc51b72265", "85347513-a06c-417c-b519-c9047feec92d", "233d8848-2133-4170-8b95-3ff49172c324", "0fa65709-7ee5-4e33-b7e8-39dde13d0576", "aa06991e-3b0c-4587-a7b2-bab821783807", "1edb64fa-4c1d-4957-a41a-0ad7571134cd", "da0e5f7a-b897-4ad2-bf08-d39130286164", "55b74202-870d-4e4e-86ec-6f2192d0d302" ], "class_": "full", "identifier": "full", "markdown": "\n\nCRE LOAN RISK RATINGS AND CECL RESERVES\n\n\n\n| 86%\n\n\n\nof ACR's loans have a risk rating of 1, 2 or 3 that are\nperforming in line with or near underwritten expectations 1,2\n\n\n\n52 of ACR's 57 loans, or 94%, are current on contractual payments at\nJune 30, 2026\n\n\n\n<::bar chart: W.A. Risk Rating by Collateral Type, $ at par\nOverall W.A. Risk Rating: 1Q26: 2.5, 2Q26: 2.6\n\nData Series:\nMultifamily:\n - 1st Period: Risk Rating 2.5, Value $1.8B\n - 2nd Period: Risk Rating 2.5, Value $1.7B\nOffice:\n - 1st Period: Risk Rating 3.1, Value $241.4M\n - 2nd Period: Risk Rating 3.1, Value $244.4M\nHotel:\n - 1st Period: Risk Rating 2.7, Value $103.3M\n - 2nd Period: Risk Rating 2.7, Value $103.3M\nSelf-Storage:\n - 1st Period: Risk Rating 4.0, Value $16.0M\n - 2nd Period: Risk Rating 4.0, Value $16.0M\nMixed-Use:\n - 1st Period: Risk Rating 2.0, Value $47.8M\n - 2nd Period: Risk Rating 2.0, Value $49.3M::>\n\n\n\n<::CECL Reserve Overview\n\noption Specific CECL Reserve: [ ]\noption General CECL Reserve: [ ]\n\nBar Chart:\n\n1Q26:\nTotal Reserve: $19.4M\nValue: $19.4M\nRisk breakdown:\n49% Risk Rated 4 - 5\n51% Risk Rated 1 - 3\n\n2Q26:\nTotal Reserve: $21.1M\nValue: $21.1M\nRisk breakdown:\n50% Risk Rated 4 - 5\n50% Risk Rated 1 - 3\n: chart::>\n\n\n\n<::2Q26 Risk Rating Overview\u00b2\n\nLoan Count\nRisk Rating 1: 0 loans\nRisk Rating 2: 32 loans\nRisk Rating 3: 15 loans\nRisk Rating 4: 9 loans\nRisk Rating 5: 1 loan\n\nBar chart showing the percentage distribution for each risk rating:\nRisk Rating 1: 0%\nRisk Rating 2: 70%\nRisk Rating 3: 16%\nRisk Rating 4: 14%\nRisk Rating 5: 0%\u00b3\n: bar chart::>\n\n\n\n1 See page 23 for additional information on the risk rating definitions\n2 Percentage represents the Company's economic interest in the CRE loans\n3 Amount is less than 0.5%\n\n\n\n<::logo: Undetermined\nA\nA dark green letter 'A' is enclosed within a slightly irregular dark green circle.::>\n\n\n\nACRESREIT.COM 9", "pages": [ 0 ] } ], "grounding": { "e867336f-823a-41a0-b87c-9e6718ced3fd": { "box": { "bottom": 0.129942387342453, "left": 0.04321572184562683, "right": 0.6001690626144409, "top": 0.07038695365190506 }, "page": 0, "type": "chunkText", "confidence": 0.991, "low_confidence_spans": [] }, "f3e24849-3707-44fd-a573-0f6c6f377c3e": { "box": { "bottom": 0.21533769369125366, "left": 0.0466671846807003, "right": 0.11625446379184723, "top": 0.15976962447166443 }, "page": 0, "type": "chunkText", "confidence": 1.0, "low_confidence_spans": [] }, "fce10239-3e49-433c-8f8b-08dc51b72265": { "box": { "bottom": 0.21766236424446106, "left": 0.12179110944271088, "right": 0.43690574169158936, "top": 0.1580674648284912 }, "page": 0, "type": "chunkText", "confidence": 0.978, "low_confidence_spans": [] }, "85347513-a06c-417c-b519-c9047feec92d": { "box": { "bottom": 0.21800358593463898, "left": 0.5175318121910095, "right": 0.8773747086524963, "top": 0.160188689827919 }, "page": 0, "type": "chunkText", "confidence": 0.999, "low_confidence_spans": [] }, "233d8848-2133-4170-8b95-3ff49172c324": { "box": { "bottom": 0.4651147723197937, "left": 0.044386833906173706, "right": 0.9550286531448364, "top": 0.23983965814113617 }, "page": 0, "type": "chunkFigure", "confidence": null, "low_confidence_spans": [] }, "0fa65709-7ee5-4e33-b7e8-39dde13d0576": { "box": { "bottom": 0.8987411856651306, "left": 0.045880094170570374, "right": 0.48785144090652466, "top": 0.5093863606452942 }, "page": 0, "type": "chunkFigure", "confidence": null, "low_confidence_spans": [] }, "aa06991e-3b0c-4587-a7b2-bab821783807": { "box": { "bottom": 0.898172914981842, "left": 0.510649561882019, "right": 0.9547619819641113, "top": 0.5089966654777527 }, "page": 0, "type": "chunkFigure", "confidence": null, "low_confidence_spans": [] }, "1edb64fa-4c1d-4957-a41a-0ad7571134cd": { "box": { "bottom": 0.9472289085388184, "left": 0.08402442187070847, "right": 0.31115007400512695, "top": 0.8989706039428711 }, "page": 0, "type": "chunkText", "confidence": 0.997, "low_confidence_spans": [] }, "da0e5f7a-b897-4ad2-bf08-d39130286164": { "box": { "bottom": 0.9775165915489197, "left": 0.04572691768407822, "right": 0.08309099823236465, "top": 0.9162222743034363 }, "page": 0, "type": "chunkLogo", "confidence": null, "low_confidence_spans": [] }, "55b74202-870d-4e4e-86ec-6f2192d0d302": { "box": { "bottom": 0.9695879220962524, "left": 0.838687539100647, "right": 0.9557499885559082, "top": 0.9246423244476318 }, "page": 0, "type": "chunkText", "confidence": 1.0, "low_confidence_spans": [] } } }