Schedule of purchased loans through acquisition IBTX


(Dollars in thousands)	January 1, 2025
Book value of acquired loans at acquisition	$	3,081,440
Allowance for credit losses at acquisition		(135,441)
Non-credit discount at acquisition		(151,993)
Carrying value or book value of acquired loans at acquisition	$	2,794,006

Schedule of aging analysis of past due accruing loans


	30 - 59 Days		60 - 89 Days		90+ Days		Total				Non-		Total
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Accruing		Loans
June 30, 2025
Construction and land development	$	5,442	$	645	$	—	$	6,087	$	3,317,080	$	756	$	3,323,923
Commercial non-owner-occupied		2,375		1,884		422		4,681		15,560,938		81,050		15,646,669
Commercial owner-occupied		8,766		1,408		477		10,651		7,447,146		40,109		7,497,906
Consumer owner-occupied		17,666		828		—		18,494		8,260,500		51,554		8,330,548
Home equity loans		2,320		1,258		—		3,578		1,693,408		10,835		1,707,821
Commercial and industrial		24,034		21,442		3,282		48,758		8,293,948		103,172		8,445,878
Other income producing property		932		1,015		213		2,160		1,302,671		1,910		1,306,741
Consumer		2,090		782		—		2,872		1,000,389		3,990		1,007,251
Other loans		—		—		—		—		510		—		510
	$	63,625	$	29,262	$	4,394	$	97,281	$	46,876,590	$	293,376	$	47,267,247
December 31, 2024
Construction and land development	$	16	$	—	$	—	$	16	$	2,182,853	$	1,458	$	2,184,327
Commercial non-owner-occupied		2,253		748		—		3,001		9,363,226		17,505		9,383,732
Commercial owner-occupied		7,208		2,844		92		10,144		5,670,550		35,682		5,716,376
Consumer owner-occupied		6,536		444		—		6,980		7,094,851		43,054		7,144,885
Home equity loans		4,717		1,511		1		6,229		1,553,832		10,023		1,570,084
Commercial and industrial		28,427		7,700		3,163		39,290		6,091,566		92,020		6,222,876
Other income producing property		237		116		37		390		605,162		2,198		607,750
Consumer		7,023		3,444		—		10,467		1,046,776		5,356		1,062,599
Other loans		—		—		—		—		10,298		—		10,298
	$	56,417	$	16,807	$	3,293	$	76,517	$	33,619,114	$	207,296	$	33,902,927

Summary of collateral dependent loans, by type of collateral

The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period:


	June 30,		Collateral			December 31,		Collateral
(Dollars in thousands)	2025		Coverage		%	2024		Coverage		%
Commercial owner-occupied real estate
Industrial	$	—	$	—		$	2,835	$	6,831	241%
Other		11,650		20,677	177%		11,087		20,683	187%
Commercial non-owner-occupied real estate
Retail		3,475		5,251	151%		—		—
Other		3,081		3,582	116%		—		—
Office		21,548		26,858	125%		14,223		15,594	110%
Multifamily		45,956		50,003	109%
Commercial and industrial
Other		61,689		53,783	87%		59,171		74,549	126%
Other income producing property
1-4 family investment property		717		545	76%		1,265		3,286	260%
Consumer owner-occupied
1st Mtg Residential		—		—			963		954	99%
Home equity loans
Residential 1-4 family dwelling		1,118		2,250	201%		1,173		2,250	192%
Total collateral dependent loans	$	149,234	$	162,949		$	90,717	$	124,147

Schedule of changes in status of loans restructured within the previous 12 months

The following table presents the changes in status of loans modified within the previous twelve months to borrowers experiencing financial difficulty, as of June 30, 2025 and 2024, by type of modification. The subsequent defaults were all due to past due status greater than 60 days and loss mitigation efforts.


	June 30,
	2025						2024
	Paying Under						Paying Under
	Restructured		Converted to		Foreclosures		Restructured		Converted to		Foreclosures
	Terms		Nonaccrual		and Defaults		Terms		Nonaccrual		and Defaults
	Amortized		Amortized		Amortized		Amortized		Amortized		Amortized
(Dollars in thousands)	Cost		Cost		Cost		Cost		Cost		Cost
Interest rate reduction
Commercial non-owner-occupied	$	15,045	$	—	$	—	$	—	$	—	$	—
Commercial owner-occupied real estate		332		—		—		—		—		—
Commercial and industrial		378		—		—		—		—		—
Consumer owner-occupied		—		—		482		1,320		—		—
Total interest rate reductions	$	15,755	$	—	$	482	$	1,320	$	—	$	—

Term extension
Construction and land development	$	286	$	—	$	—	$	—	$	—	$	—
Commercial owner-occupied real estate		—		—		—		11,050		—		—
Consumer owner-occupied		5,876		—		298		1,047		—		—
Commercial and industrial		9,245		—		—		20,529		—		—
Total term extensions	$	15,407	$	—	$	298	$	32,626	$	—	$	—
Other-than-insignificant payment delay
Commercial owner-occupied real estate	$	6,087	$	—	$	—	$	—	$	—	$	—
Commercial and industrial		1,610		—		—		—		—		—
Total payment delays	$	7,697	$	—	$	—	$	—	$	—	$	—

Term Extension and Interest Rate Reduction
Consumer owner-occupied	$	1,220	$	—	$	—	$	—	$	—	$	—
Total term extension and interest rate combinations	$	1,220	$	—	$	—	$	—	$	—	$	—

Term Extension and Payment Delay
Commercial and industrial	$	1,177	$	—	$	—	$	—	$	—	$	—
Total term extension and payment delay combinations	$	1,177	$	—	$	—	$	—	$	—	$	—
	$	41,256	$	—	$	780	$	33,946	$	—	$	—

Summary of Loans