| Financing Receivable, Past Due |
The following tables present the aging of the amortized cost in past due loans at June 30, 2025 and at December 31, 2024 by class of loan:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2025 | | (In thousands) | Accruing
Loans
Past Due
30-89 Days | | Past Due Nonaccrual Loans and Loans Past Due 90 Days or More and Accruing (1) | | Total Past
Due | | Total Current (2) | | Total
Amortized Cost | | Commercial, financial and agricultural: | | | | | | | | | | | Commercial, financial and agricultural | $ | 1,176 | | | $ | 10,090 | | | $ | 11,266 | | | $ | 1,201,776 | | | $ | 1,213,042 | | | Overdrafts | — | | | — | | | — | | | 1,188 | | | 1,188 | | | Commercial real estate | 424 | | | 1,441 | | | 1,865 | | | 2,104,822 | | | 2,106,687 | | | Construction real estate: | | | | | | | | | | | Commercial | — | | | — | | | — | | | 327,987 | | | 327,987 | | | Retail | 172 | | | 38 | | | 210 | | | 102,393 | | | 102,603 | | | Residential real estate: | | | | | | | | | | | Commercial | 103 | | | 297 | | | 400 | | | 698,496 | | | 698,896 | | | Mortgage | 11,067 | | | 6,643 | | | 17,710 | | | 1,370,342 | | | 1,388,052 | | | HELOC | 147 | | | 657 | | | 804 | | | 218,182 | | | 218,986 | | | Installment | 11 | | | 22 | | | 33 | | | 5,961 | | | 5,994 | | | Consumer: | | | | | | | | | | | Consumer | 8,758 | | | 1,181 | | | 9,939 | | | 1,859,157 | | | 1,869,096 | | | Check loans | 2 | | | — | | | 2 | | | 1,758 | | | 1,760 | | | Leases | — | | | — | | | — | | | 28,930 | | | 28,930 | | | Total loans | $ | 21,860 | | | $ | 20,369 | | | $ | 42,229 | | | $ | 7,920,992 | | | $ | 7,963,221 | |
(1) Includes an aggregate of $2.4 million of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans. (2) Includes an aggregate of $45.1 million of nonaccrual loans which were current with respect to contractual principal and interest payments. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2024 | | (in thousands) | Accruing
Loans
Past Due
30-89 Days | | Past Due Nonaccrual Loans and Loans Past Due 90 Days or More and Accruing (1) | | Total Past
Due | | Total Current (2) | | Total
Amortized Cost | | Commercial, financial and agricultural | | | | | | | | | | | Commercial, financial and agricultural | $ | 1,901 | | | $ | 13,234 | | | $ | 15,135 | | | $ | 1,252,975 | | | $ | 1,268,110 | | | Overdrafts | — | | | — | | | — | | | 1,475 | | | 1,475 | | | Commercial real estate | 458 | | | 2,594 | | | 3,052 | | | 1,991,280 | | | 1,994,332 | | | Construction real estate: | | | | | | | | | | | Commercial | — | | | — | | | — | | | 311,122 | | | 311,122 | | | Retail | 100 | | | 22 | | | 122 | | | 101,333 | | | 101,455 | | | Residential real estate: | | | | | | | | | | | Commercial | — | | | 2,164 | | | 2,164 | | | 642,254 | | | 644,418 | | | Mortgage | 13,403 | | | 5,946 | | | 19,349 | | | 1,327,194 | | | 1,346,543 | | | HELOC | 438 | | | 620 | | | 1,058 | | | 202,401 | | | 203,459 | | | Installment | 39 | | | 22 | | | 61 | | | 5,952 | | | 6,013 | | | Consumer | | | | | | | | | | | Consumer | 10,309 | | | 1,195 | | | 11,504 | | | 1,896,969 | | | 1,908,473 | | | Check loans | 3 | | | — | | | 3 | | | 1,896 | | | 1,899 | | | Leases | — | | | — | | | — | | | 29,829 | | | 29,829 | | | Total loans | $ | 26,651 | | | $ | 25,797 | | | $ | 52,448 | | | $ | 7,764,680 | | | $ | 7,817,128 | |
(1) Includes an aggregate of $1.8 million of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans. (2) Includes an aggregate of $44.1 million of nonaccrual loans which were current with respect to contractual principal and interest payments.
|
| Financing Receivable Credit Quality Indicators |
Based on the most recent analysis performed, the risk category of commercial loans by class of loans at June 30, 2025 and at December 31, 2024 are detailed in the tables below. Also included in the tables detailing loan balances are gross charge offs for the six months ended June 30, 2025 and for the year ended December 31, 2024.
| | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2025 | Term Loans Amortized Cost Basis by Origination Year | | | | (In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Total | Commercial, financial and agricultural: Commercial, financial and agricultural (1) | | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 110,928 | | $ | 203,754 | | $ | 128,112 | | $ | 80,525 | | $ | 66,021 | | $ | 77,271 | | $ | 478,694 | | $ | 1,145,305 | | | Special Mention | 1,030 | | 2,641 | | 1,064 | | 4,981 | | 853 | | 1,633 | | 32,362 | | 44,564 | | | Substandard | 1,646 | | 384 | | 766 | | 3,196 | | 1,963 | | 5,270 | | 7,333 | | 20,558 | | | Doubtful | 234 | | 440 | | 738 | | 200 | | 29 | | 341 | | 633 | | 2,615 | | | Total | $ | 113,838 | | $ | 207,219 | | $ | 130,680 | | $ | 88,902 | | $ | 68,866 | | $ | 84,515 | | $ | 519,022 | | $ | 1,213,042 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | 77 | | $ | 15 | | $ | — | | $ | 1 | | $ | — | | $ | 93 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate (1) | | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 184,096 | | $ | 357,344 | | $ | 245,673 | | $ | 286,324 | | $ | 287,234 | | $ | 651,934 | | $ | 29,896 | | $ | 2,042,501 | | | Special Mention | 2,721 | | 4,060 | | 6,466 | | 12,130 | | 2,372 | | 11,240 | | 916 | | 39,905 | | | Substandard | 320 | | 2,716 | | 1,793 | | 4,665 | | 1,468 | | 8,994 | | 3,603 | | 23,559 | | | Doubtful | — | | — | | 722 | | — | | — | | — | | — | | 722 | | | Total | $ | 187,137 | | $ | 364,120 | | $ | 254,654 | | $ | 303,119 | | $ | 291,074 | | $ | 672,168 | | $ | 34,415 | | $ | 2,106,687 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | 68 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 68 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Construction real estate: Commercial | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 41,685 | | $ | 167,330 | | $ | 53,101 | | $ | 22,392 | | $ | 1,572 | | $ | 4,722 | | $ | 34,490 | | $ | 325,292 | | | Special Mention | 784 | | — | | — | | — | | — | | — | | 1,235 | | 2,019 | | | Substandard | — | | — | | 578 | | — | | — | | — | | 98 | | 676 | | | Doubtful | — | | — | | — | | — | | — | | — | | — | | — | | | Total | $ | 42,469 | | $ | 167,330 | | $ | 53,679 | | $ | 22,392 | | $ | 1,572 | | $ | 4,722 | | $ | 35,823 | | $ | 327,987 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential Real Estate: Commercial | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 101,941 | | $ | 119,622 | | $ | 103,361 | | $ | 85,115 | | $ | 88,048 | | $ | 163,542 | | $ | 26,002 | | $ | 687,631 | | | Special Mention | 184 | | 1,705 | | 530 | | 979 | | 929 | | 1,649 | | 3,478 | | 9,454 | | | Substandard | — | | 203 | | 86 | | 450 | | 312 | | 614 | | 146 | | 1,811 | | | Doubtful | — | | — | | — | | — | | — | | — | | — | | — | | | Total | $ | 102,125 | | $ | 121,530 | | $ | 103,977 | | $ | 86,544 | | $ | 89,289 | | $ | 165,805 | | $ | 29,626 | | $ | 698,896 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2025 | Term Loans Amortized Cost Basis by Origination Year | | | | (In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Total | | Leases | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 7,872 | | $ | 12,399 | | $ | 4,807 | | $ | 2,305 | | $ | 811 | | $ | 467 | | $ | — | | $ | 28,661 | | | Special Mention | — | | — | | 41 | | 213 | | — | | 12 | | — | | 266 | | | Substandard | — | | 3 | | — | | — | | — | | — | | — | | 3 | | | Doubtful | — | | — | | — | | — | | — | | — | | — | | — | | | Total | $ | 7,872 | | $ | 12,402 | | $ | 4,848 | | $ | 2,518 | | $ | 811 | | $ | 479 | | $ | — | | $ | 28,930 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Total Commercial Loans | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 446,522 | | $ | 860,449 | | $ | 535,054 | | $ | 476,661 | | $ | 443,686 | | $ | 897,936 | | $ | 569,082 | | $ | 4,229,390 | | | Special Mention | 4,719 | | 8,406 | | 8,101 | | 18,303 | | 4,154 | | 14,534 | | 37,991 | | 96,208 | | | Substandard | 1,966 | | 3,306 | | 3,223 | | 8,311 | | 3,743 | | 14,878 | | 11,180 | | 46,607 | | | Doubtful | 234 | | 440 | | 1,460 | | 200 | | 29 | | 341 | | 633 | | 3,337 | | | Total | $ | 453,441 | | $ | 872,601 | | $ | 547,838 | | $ | 503,475 | | $ | 451,612 | | $ | 927,689 | | $ | 618,886 | | $ | 4,375,542 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | 145 | | $ | 15 | | $ | — | | $ | 1 | | $ | — | | $ | 161 | |
(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class.
| | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2024 | Term Loans Amortized Cost Basis by Origination Year | | | | (In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Total | Commercial, financial and agricultural: Commercial, financial and agricultural (1) | | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 239,260 | | $ | 150,007 | | $ | 97,761 | | $ | 80,956 | | $ | 66,332 | | $ | 53,327 | | $ | 506,998 | | $ | 1,194,641 | | | Special Mention | 2,709 | | 1,222 | | 3,819 | | 314 | | 818 | | 1,467 | | 37,447 | | 47,796 | | | Substandard | 1,574 | | 633 | | 264 | | 1,879 | | 817 | | 5,232 | | 12,417 | | 22,816 | | | Doubtful | 371 | | 944 | | 256 | | 104 | | 336 | | — | | 846 | | 2,857 | | | Total | $ | 243,914 | | $ | 152,806 | | $ | 102,100 | | $ | 83,253 | | $ | 68,303 | | $ | 60,026 | | $ | 557,708 | | $ | 1,268,110 | | | Current period gross charge-offs | $ | — | | $ | 104 | | $ | 143 | | $ | 20 | | $ | 1,317 | | $ | 2,872 | | $ | 50 | | $ | 4,506 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate (1) | | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 329,203 | | $ | 252,923 | | $ | 289,622 | | $ | 296,745 | | $ | 276,181 | | $ | 459,856 | | $ | 30,203 | | $ | 1,934,733 | | | Special Mention | 3,054 | | 2,779 | | 11,978 | | 4,071 | | 5,728 | | 7,416 | | 1,165 | | 36,191 | | | Substandard | 2,083 | | 1,477 | | 3,037 | | 3,310 | | 2,223 | | 7,850 | | 2,985 | | 22,965 | | | Doubtful | — | | — | | 443 | | — | | — | | — | | — | | 443 | | | Total | $ | 334,340 | | $ | 257,179 | | $ | 305,080 | | $ | 304,126 | | $ | 284,132 | | $ | 475,122 | | $ | 34,353 | | $ | 1,994,332 | | | Current period gross charge-offs | $ | — | | $ | 99 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 99 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2024 | Term Loans Amortized Cost Basis by Origination Year | | | | (In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Total | | Construction real estate: Commercial | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 158,403 | | $ | 83,233 | | $ | 32,035 | | $ | 2,623 | | $ | 3,014 | | $ | 2,783 | | $ | 22,896 | | $ | 304,987 | | | Special Mention | 5,084 | | — | | 374 | | — | | — | | — | | 88 | | 5,546 | | | Substandard | 8 | | 581 | | — | | — | | — | | — | | — | | 589 | | | Doubtful | — | | — | | — | | — | | — | | — | | — | | — | | | Total | $ | 163,495 | | $ | 83,814 | | $ | 32,409 | | $ | 2,623 | | $ | 3,014 | | $ | 2,783 | | $ | 22,984 | | $ | 311,122 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential Real Estate: Commercial | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 120,873 | | $ | 111,577 | | $ | 88,292 | | $ | 92,240 | | $ | 102,999 | | $ | 93,918 | | $ | 20,455 | | $ | 630,354 | | | Special Mention | 1,403 | | 540 | | 661 | | 437 | | 831 | | 941 | | 3,165 | | 7,978 | | | Substandard | 351 | | 91 | | 2,790 | | 324 | | 1,262 | | 1,123 | | 145 | | 6,086 | | | Doubtful | — | | — | | — | | — | | — | | — | | — | | — | | | Total | $ | 122,627 | | $ | 112,208 | | $ | 91,743 | | $ | 93,001 | | $ | 105,092 | | $ | 95,982 | | $ | 23,765 | | $ | 644,418 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Leases | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 17,537 | | $ | 5,868 | | $ | 3,557 | | $ | 1,243 | | $ | 967 | | $ | 315 | | $ | — | | $ | 29,487 | | | Special Mention | — | | 46 | | 251 | | — | | 28 | | — | | — | | 325 | | | Substandard | 17 | | — | | — | | — | | — | | — | | — | | 17 | | | Doubtful | — | | — | | — | | — | | — | | — | | — | | — | | | Total | $ | 17,554 | | $ | 5,914 | | $ | 3,808 | | $ | 1,243 | | $ | 995 | | $ | 315 | | $ | — | | $ | 29,829 | | | Current period gross charge-offs | $ | 8 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 8 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Total Commercial Loans | | | | | | | | Risk rating | | | | | | | | | | Pass | $ | 865,276 | | $ | 603,608 | | $ | 511,267 | | $ | 473,807 | | $ | 449,493 | | $ | 610,199 | | $ | 580,552 | | $ | 4,094,202 | | | Special Mention | 12,250 | | 4,587 | | 17,083 | | 4,822 | | 7,405 | | 9,824 | | 41,865 | | 97,836 | | | Substandard | 4,033 | | 2,782 | | 6,091 | | 5,513 | | 4,302 | | 14,205 | | 15,547 | | 52,473 | | | Doubtful | 371 | | 944 | | 699 | | 104 | | 336 | | — | | 846 | | 3,300 | | | Total | $ | 881,930 | | $ | 611,921 | | $ | 535,140 | | $ | 484,246 | | $ | 461,536 | | $ | 634,228 | | $ | 638,810 | | $ | 4,247,811 | | | Current period gross charge-offs | $ | 8 | | $ | 203 | | $ | 143 | | $ | 20 | | $ | 1,317 | | $ | 2,872 | | $ | 50 | | $ | 4,613 | |
(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class. | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2025 | Term Loans Amortized Cost Basis by Origination Year | | | | (In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Total | | Commercial, financial and agricultural: Overdrafts | | | | | | | | Performing | $ | 1,188 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 1,188 | | Nonperforming | — | | — | | — | | — | | — | | — | | — | | — | | | Total | $ | 1,188 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 1,188 | | | Current period gross charge-offs | $ | 480 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 480 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Construction Real Estate: Retail | | | | | | | | Performing | $ | 13,626 | | $ | 51,369 | | $ | 16,719 | | $ | 7,756 | | $ | 5,359 | | $ | 7,279 | | $ | 457 | | $ | 102,565 | | Nonperforming | — | | — | | — | | — | | 18 | | 20 | | — | | 38 | | | Total | $ | 13,626 | | $ | 51,369 | | $ | 16,719 | | $ | 7,756 | | $ | 5,377 | | $ | 7,299 | | $ | 457 | | $ | 102,603 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential Real Estate: Mortgage | | | | | | | | Performing | $ | 98,159 | | $ | 195,443 | | $ | 236,078 | | $ | 237,524 | | $ | 179,863 | | $ | 427,036 | | $ | — | | $ | 1,374,103 | | Nonperforming | — | | 1,719 | | 2,375 | | 1,782 | | 802 | | 7,271 | | — | | 13,949 | | | Total | $ | 98,159 | | $ | 197,162 | | $ | 238,453 | | $ | 239,306 | | $ | 180,665 | | $ | 434,307 | | $ | — | | $ | 1,388,052 | | | Current period gross charge-offs | $ | — | | $ | 77 | | $ | 48 | | $ | — | | $ | — | | | $ | — | | $ | 125 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential Real Estate: HELOC | | | | | | | | Performing | $ | — | | $ | 71 | | $ | 502 | | $ | 510 | | $ | 341 | | $ | 848 | | $ | 215,620 | | $ | 217,892 | | Nonperforming | — | | 16 | | 78 | | 40 | | 29 | | 555 | | 376 | | 1,094 | | | Total | $ | — | | $ | 87 | | $ | 580 | | $ | 550 | | $ | 370 | | $ | 1,403 | | $ | 215,996 | | $ | 218,986 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential Real Estate: Installment | | | | | | | | Performing | $ | 497 | | $ | 1,044 | | $ | 1,476 | | $ | 110 | | $ | — | | $ | 2,820 | | $ | — | | $ | 5,947 | | Nonperforming | — | | 19 | | — | | — | | — | | 28 | | — | | 47 | | | Total | $ | 497 | | $ | 1,063 | | $ | 1,476 | | $ | 110 | | $ | — | | $ | 2,848 | | $ | — | | $ | 5,994 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer: Consumer | | | | | | | | | | Performing | $ | 317,541 | | $ | 514,915 | | $ | 373,429 | | $ | 346,106 | | $ | 159,297 | | $ | 148,395 | | $ | 5,759 | | $ | 1,865,442 | | | Nonperforming | 3 | | 673 | | 833 | | 1,102 | | 404 | | 639 | | — | | 3,654 | | | Total | $ | 317,544 | | $ | 515,588 | | $ | 374,262 | | $ | 347,208 | | $ | 159,701 | | $ | 149,034 | | $ | 5,759 | | $ | 1,869,096 | | | Current period gross charge-offs | $ | 46 | | $ | 1,402 | | $ | 2,601 | | $ | 1,595 | | $ | 693 | | $ | 446 | | $ | — | | $ | 6,783 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2025 | Term Loans Amortized Cost Basis by Origination Year | | | | (In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Total | | Consumer: Check loans | | | | | | | | | | Performing | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 1,760 | | $ | 1,760 | | Nonperforming | — | | — | | — | | — | | — | | — | | — | | — | | | Total | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 1,760 | | $ | 1,760 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 15 | | $ | 15 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Total Consumer Loans | | | | | | | | | | Performing | $ | 431,011 | | $ | 762,842 | | $ | 628,204 | | $ | 592,006 | | $ | 344,860 | | $ | 586,378 | | $ | 223,596 | | $ | 3,568,897 | | Nonperforming | 3 | | 2,427 | | 3,286 | | 2,924 | | 1,253 | | 8,513 | | 376 | | 18,782 | | | Total | $ | 431,014 | | $ | 765,269 | | $ | 631,490 | | $ | 594,930 | | $ | 346,113 | | $ | 594,891 | | $ | 223,972 | | $ | 3,587,679 | | | Current period gross charge-offs | $ | 526 | | $ | 1,479 | | $ | 2,649 | | $ | 1,595 | | $ | 693 | | $ | 446 | | $ | 15 | | $ | 7,403 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2024 | Term Loans Amortized Cost Basis by Origination Year | | | | (In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Total | | Commercial, financial and agricultural: Overdrafts | | | | | | | | Performing | $ | 1,475 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 1,475 | | Nonperforming | — | | — | | — | | — | | — | | — | | — | | — | | | Total | 1,475 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 1,475 | | | Current period gross charge-offs | $ | 937 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 937 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Construction Real Estate: Retail | | | | | | | | Performing | $ | 51,109 | | $ | 26,237 | | $ | 8,517 | | $ | 6,233 | | $ | 3,571 | | $ | 5,306 | | $ | 460 | | $ | 101,433 | | Nonperforming | — | | — | | — | | — | | 22 | | — | | — | | 22 | | | Total | $ | 51,109 | | $ | 26,237 | | $ | 8,517 | | $ | 6,233 | | $ | 3,593 | | $ | 5,306 | | $ | 460 | | $ | 101,455 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential Real Estate: Mortgage | | | | | | | | Performing | $ | 194,883 | | $ | 236,260 | | $ | 250,132 | | $ | 192,193 | | $ | 157,438 | | $ | 303,356 | | $ | — | | $ | 1,334,262 | | Nonperforming | 536 | | 721 | | 1,324 | | 729 | | 1,508 | | 7,463 | | — | | 12,281 | | | Total | $ | 195,419 | | $ | 236,981 | | $ | 251,456 | | $ | 192,922 | | $ | 158,946 | | $ | 310,819 | | $ | — | | $ | 1,346,543 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 22 | | $ | — | | $ | 22 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential Real Estate: HELOC | | | | | | | | Performing | $ | 13 | | $ | 153 | | $ | 577 | | $ | 333 | | $ | 56 | | $ | 1,048 | | $ | 200,346 | | $ | 202,526 | | Nonperforming | — | | 39 | | 14 | | 56 | | — | | 610 | | 214 | | 933 | | | Total | $ | 13 | | $ | 192 | | $ | 591 | | $ | 389 | | $ | 56 | | $ | 1,658 | | $ | 200,560 | | $ | 203,459 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 9 | | $ | — | | $ | 9 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2024 | Term Loans Amortized Cost Basis by Origination Year | | | | (In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total | | Residential Real Estate: Installment | | | | | | | | Performing | $ | 1,198 | | $ | 1,704 | | $ | 133 | | $ | — | | $ | — | | $ | 2,947 | | $ | — | | $ | 5,982 | | Nonperforming | — | | — | | — | | — | | 2 | | 29 | | — | | 31 | | | Total | $ | 1,198 | | $ | 1,704 | | $ | 133 | | $ | — | | $ | 2 | | $ | 2,976 | | $ | — | | $ | 6,013 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer: Consumer | | | | | | | | | | Performing | $ | 607,783 | | $ | 454,403 | | $ | 427,982 | | $ | 204,806 | | $ | 126,075 | | $ | 76,707 | | $ | 7,248 | | $ | 1,905,004 | | Nonperforming | 337 | | 1,035 | | 928 | | 452 | | 310 | | 404 | | 3 | | 3,469 | | | Total | $ | 608,120 | | $ | 455,438 | | $ | 428,910 | | $ | 205,258 | | $ | 126,385 | | $ | 77,111 | | $ | 7,251 | | $ | 1,908,473 | | | Current period gross charge-offs | $ | 683 | | $ | 3,532 | | $ | 4,596 | | $ | 2,328 | | $ | 809 | | $ | 743 | | $ | 2 | | $ | 12,693 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer: Check loans | | | | | | | | | | Performing | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 1,899 | | $ | 1,899 | | Nonperforming | — | | — | | — | | — | | — | | — | | — | | — | | | Total | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 1,899 | | $ | 1,899 | | | Current period gross charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 60 | | $ | 60 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Total Consumer Loans | | | | | | | | | | Performing | $ | 856,461 | | $ | 718,757 | | $ | 687,341 | | $ | 403,565 | | $ | 287,140 | | $ | 389,364 | | $ | 209,953 | | $ | 3,552,581 | | Nonperforming | 873 | | 1,795 | | 2,266 | | 1,237 | | 1,842 | | 8,506 | | 217 | | 16,736 | | | Total | $ | 857,334 | | $ | 720,552 | | $ | 689,607 | | $ | 404,802 | | $ | 288,982 | | $ | 397,870 | | $ | 210,170 | | $ | 3,569,317 | | | Current period gross charge-offs | $ | 1,620 | | $ | 3,532 | | $ | 4,596 | | $ | 2,328 | | $ | 809 | | $ | 774 | | $ | 62 | | $ | 13,721 | |
|
| TDR Number Of Contracts Modified And Recorded Investment |
The following tables present the amortized cost basis of loans at June 30, 2025 and 2024 that were both experiencing financial difficulty and modified during the three months and the six months ended June 30, 2025 and 2024 by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented below.
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2025 | | (Dollars in thousands) | | Principal Forgiveness | | Payment Delay | | Term Extension | | Interest Rate Reduction | | Combination Term Extension and Interest Rate Reduction | | Combination Term Extension and Payment Delay | | Total | | Percent of Total Class of Financing Receivable | | Commercial, financial and agricultural: | | | | | | | | | | | | | | | | | | Commercial, financial and agricultural | | $ | — | | | $ | — | | | $ | 19,796 | | | $ | — | | | $ | — | | | $ | — | | | $ | 19,796 | | | 1.63 | % | | Overdrafts | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Commercial real estate | | — | | | — | | | 3,856 | | | — | | | 747 | | | — | | | 4,603 | | | 0.22 | % | | Construction real estate: | | | | | | | | | | | | | | | | | | Commercial | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Retail | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Residential real estate: | | | | | | | | | | | | | | | | | | Commercial | | — | | | — | | | 904 | | | — | | | — | | | — | | | 904 | | | 0.13 | % | | Mortgage | | — | | | — | | | — | | | — | | | — | | | 525 | | | 525 | | | 0.04 | % | | HELOC | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Installment | | — | | | — | | | 121 | | | — | | | 39 | | | — | | | 160 | | | 2.67 | % | | Consumer: | | | | | | | | | | | | | | | | | | Consumer | | — | | | — | | | — | | | 58 | | | — | | | — | | | 58 | | | — | % | | Check loans | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Leases | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Total | | $ | — | | | $ | — | | | $ | 24,677 | | | $ | 58 | | | $ | 786 | | | $ | 525 | | | $ | 26,046 | | | 0.33 | % |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2024 | | (Dollars in thousands) | | Principal Forgiveness | | Payment Delay | | Term Extension | | Interest Rate Reduction | | Combination Term Extension and Interest Rate Reduction | | Combination Term Extension and Payment Delay | | Total | | Percent of Total Class of Financing Receivable | | Commercial, financial and agricultural: | | | | | | | | | | | | | | | | | | Commercial, financial and agricultural | | $ | — | | | $ | — | | | $ | 300 | | | $ | — | | | $ | — | | | $ | — | | | $ | 300 | | | 0.02 | % | | Overdrafts | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Commercial real estate | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Construction real estate: | | | | | | | | | | | | | | | | | | Commercial | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Retail | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Residential real estate: | | | | | | | | | | | | | | | | | | Commercial | | — | | | — | | | 406 | | | — | | | — | | | — | | | 406 | | | 0.07 | % | | Mortgage | | — | | | — | | | 46 | | | — | | | — | | | — | | | 46 | | | — | % | | HELOC | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Installment | | — | | | — | | | 51 | | | — | | | 77 | | | — | | | 128 | | | 2.11 | % | | Consumer: | | | | | | | | | | | | | | | | | | Consumer | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Check loans | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Leases | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Total | | $ | — | | | $ | — | | | $ | 803 | | | $ | — | | | $ | 77 | | | $ | — | | | $ | 880 | | | 0.01 | % | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended
June 30, 2025 | | (Dollars in thousands) | | Principal Forgiveness | | Payment Delay | | Term Extension | | Interest Rate Reduction | | Combination Term Extension and Interest Rate Reduction | | Combination Term Extension and Payment Delay | | Total | | Percent of Total Class of Financing Receivable | | Commercial, financial and agricultural: | | | | | | | | | | | | | | | | | | Commercial, financial and agricultural | | $ | — | | | $ | 928 | | | $ | 22,564 | | | $ | — | | | $ | 147 | | | $ | — | | | $ | 23,639 | | | 1.95 | % | | Overdrafts | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Commercial real estate | | — | | | 6,213 | | | 3,265 | | | 1,467 | | | 922 | | | 1,427 | | | 13,294 | | | 0.63 | % | | Construction real estate: | | | | | | | | | | | | | | | | | | Commercial | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Retail | | — | | | — | | | — | | | — | | | — | | | 68 | | | 68 | | | 0.07 | % | | Residential real estate: | | | | | | | | | | | | | | | | | | Commercial | | — | | | 898 | | | 904 | | | — | | | — | | | — | | | 1,802 | | | 0.26 | % | | Mortgage | | — | | | — | | | — | | | — | | | — | | | 975 | | | 975 | | | 0.07 | % | | HELOC | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Installment | | — | | | — | | | 194 | | | — | | | 39 | | | — | | | 233 | | | 3.89 | % | | Consumer: | | | | | | | | | | | | | | | | | | Consumer | | — | | | — | | | — | | | 59 | | | — | | | — | | | 59 | | | — | % | | Check loans | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Leases | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | % | | Total | | $ | — | | | $ | 8,039 | | | $ | 26,927 | | | $ | 1,526 | | | $ | 1,108 | | | $ | 2,470 | | | $ | 40,070 | | | 0.50 | % | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the three months and the six months ended June 30, 2025 and 2024:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended
June 30, 2025 | | (Dollars in thousands) | | Principal Forgiveness | | Weighted Average Interest Rate Reduction | | Weighted Average Term Extension (years) | | Weighted Average Payment Delay (years) | | Commercial, financial and agricultural: | | | | | | | | | | Commercial, financial and agricultural | | $ | — | | | — | % | | 1.0 | | 0.0 | | Overdrafts | | — | | | — | % | | 0.0 | | 0.0 | | Commercial real estate | | — | | | (0.50) | % | | 1.0 | | 0.0 | | Construction real estate: | | | | | | | | | | Commercial | | — | | | — | % | | 0.0 | | 0.0 | | Retail | | — | | | — | % | | 0.0 | | 0.0 | | Residential real estate: | | | | | | | | | | Commercial | | — | | | — | % | | 1.3 | | 0.0 | | Mortgage | | — | | | — | % | | 0.5 | | 0.5 | | HELOC | | — | | | — | % | | 0.0 | | 0.0 | | Installment | | — | | | (0.31) | % | | 9.4 | | 0.0 | | Consumer: | | | | | | | | | | Consumer | | — | | | (0.42) | % | | 0.0 | | 0.0 | | Check loans | | — | | | — | % | | 0.0 | | 0.0 | | Leases | | — | | | — | % | | 0.0 | | 0.0 | | Total | | $ | — | | | (0.49) | % | | 1.1 | | 0.5 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended
June 30, 2024 | | (Dollars in thousands) | | Principal Forgiveness | | Weighted Average Interest Rate Reduction | | Weighted Average Term Extension (years) | | Weighted Average Payment Delay (years) | | Commercial, financial and agricultural: | | | | | | | | | | Commercial, financial and agricultural | | $ | — | | | — | % | | 0.5 | | 0.0 | | Overdrafts | | — | | | — | % | | 0.0 | | 0.0 | | Commercial real estate | | — | | | — | % | | 0.0 | | 0.0 | | Construction real estate: | | | | | | | | | | Commercial | | — | | | — | % | | 0.0 | | 0.0 | | Retail | | — | | | — | % | | 0.0 | | 0.0 | | Residential real estate: | | | | | | | | | | Commercial | | — | | | — | % | | 0.9 | | 0.0 | | Mortgage | | — | | | — | % | | 0.3 | | 0.0 | | HELOC | | — | | | — | % | | 0.0 | | 0.0 | | Installment | | — | | | (1.22) | % | | 10.4 | | 0.0 | | Consumer: | | | | | | | | | | Consumer | | — | | | — | % | | 0.0 | | 0.0 | | Check loans | | — | | | — | % | | 0.0 | | 0.0 | | Leases | | — | | | — | % | | 0.0 | | 0.0 | | Total | | $ | — | | | (1.22) | % | | 2.1 | | 0.0 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended
June 30, 2025 | | (Dollars in thousands) | | Principal Forgiveness | | Weighted Average Interest Rate Reduction | | Weighted Average Term Extension (years) | | Weighted Average Payment Delay (years) | | Commercial, financial and agricultural: | | | | | | | | | | Commercial, financial and agricultural | | $ | — | | | (0.35) | % | | 1.1 | | 0.4 | | Overdrafts | | — | | | — | % | | 0.0 | | 0.0 | | Commercial real estate | | — | | | (0.70) | % | | 1.9 | | 0.5 | | Construction real estate: | | | | | | | | | | Commercial | | — | | | — | % | | 0.0 | | 0.0 | | Retail | | — | | | — | % | | 0.5 | | 0.5 | | Residential real estate: | | | | | | | | | | Commercial | | — | | | — | % | | 1.3 | | 0.5 | | Mortgage | | — | | | — | % | | 0.5 | | 0.5 | | HELOC | | — | | | — | % | | 0.0 | | 0.0 | | Installment | | — | | | (0.31) | % | | 11.2 | | 0.0 | | Consumer: | | | | | | | | | | Consumer | | — | | | (0.44) | % | | 0.0 | | 0.0 | | Check loans | | — | | | — | % | | 0.0 | | 0.0 | | Leases | | — | | | — | % | | 0.0 | | 0.0 | | Total | | $ | — | | | (0.66) | % | | 1.3 | | 0.5 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended
June 30, 2024 | | (Dollars in thousands) | | Principal Forgiveness | | Weighted Average Interest Rate Reduction | | Weighted Average Term Extension (years) | | Weighted Average Payment Delay (years) | | Commercial, financial and agricultural: | | | | | | | | | | Commercial, financial and agricultural | | $ | — | | | (0.50) | % | | 0.3 | | 0.4 | | Overdrafts | | — | | | — | % | | 0.0 | | 0.0 | | Commercial real estate | | — | | | (1.90) | % | | 2.9 | | 0.4 | | Construction real estate: | | | | | | | | | | Commercial | | — | | | — | % | | 0.0 | | 0.0 | | Retail | | — | | | — | % | | 0.0 | | 0.0 | | Residential real estate: | | | | | | | | | | Commercial | | — | | | (1.00) | % | | 2.2 | | 0.0 | | Mortgage | | — | | | — | % | | 4.2 | | 0.0 | | HELOC | | — | | | — | % | | 0.0 | | 0.0 | | Installment | | — | | | (1.22) | % | | 9.6 | | 0.0 | | Consumer: | | | | | | | | | | Consumer | | — | | | (7.54) | % | | 0.0 | | 0.0 | | Check loans | | — | | | — | % | | 0.0 | | 0.0 | | Leases | | — | | | — | % | | 0.0 | | 0.0 | | Total | | $ | — | | | (1.61) | % | | 1.2 | | 0.4 |
Park closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of Park's modification efforts. The following table provides the performance of loans as of the period end date, of modifications made to borrowers experiencing financial difficulty during the twelve months preceding June 30, 2025:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Twelve Months Ended June 30, 2025 | | (Dollars in thousands) | | Current | | 30-59 days past due | | 60-89 days past due | | 90 days or more past due | | Total | | Commercial, financial and agricultural: | | | | | | | | | | | | Commercial, financial and agricultural | | $ | 26,669 | | | $ | — | | | $ | — | | | $ | — | | | $ | 26,669 | | | Overdrafts | | — | | | — | | | — | | | — | | | — | | | Commercial real estate | | 15,398 | | | — | | | — | | | 147 | | | 15,545 | | | Construction real estate: | | | | | | | | | | — | | | Commercial | | — | | | — | | | — | | | — | | | — | | | Retail | | 68 | | | — | | | — | | | — | | | 68 | | | Residential real estate: | | | | | | | | | | — | | | Commercial | | 1,802 | | | — | | | — | | | — | | | 1,802 | | | Mortgage | | 1,110 | | | 418 | | | 10 | | | 72 | | | 1,610 | | | HELOC | | — | | | — | | | — | | | — | | | — | | | Installment | | 374 | | | — | | | — | | | — | | | 374 | | | Consumer: | | | | | | | | | | — | | | Consumer | | 50 | | | — | | | 18 | | | — | | | 68 | | | Check loans | | — | | | — | | | — | | | — | | | — | | | Leases | | — | | | — | | | — | | | — | | | — | | | Total | | $ | 45,471 | | | $ | 418 | | | $ | 28 | | | $ | 219 | | | $ | 46,136 | |
There were $5.8 million in loans modified to borrowers experiencing financial difficulty that had been modified during the twelve months ended June 30, 2024 that were greater than 90 days past due as of June 30, 2024 in the Commercial, financial, and agricultural loan portfolio segment. There were $19,000 in loans modified to borrowers experiencing financial difficulty that had been modified during the previous twelve months that were 60-89 days past due as of June 30, 2024 in the Residential Real Estate: Installment loan portfolio segment. All other loans modified to borrowers experiencing financial difficulty during the twelve months ended June 30, 2024 were less than 30 days past due as of June 30, 2024. The following tables present the amortized cost basis of loans that had a payment default subsequent to modification during the three months and the six months ended June 30, 2025 and 2024 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty. For these tables, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms:
| | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended
June 30, 2025 | | Term Extension | | Interest Rate Reduction | | Combination Term Extension and Interest Rate Reduction | | Combination Term Extension and Payment Delay | | Commercial, financial and agricultural: | | | | | | | | | Commercial, financial and agricultural | $ | 25 | | | $ | — | | | $ | 147 | | | $ | — | | | Overdrafts | — | | | — | | | — | | | — | | | Commercial real estate | 263 | | | — | | | — | | | — | | | Construction real estate: | | | | | | | | | Commercial | — | | | — | | | — | | | — | | | Retail | — | | | — | | | — | | | — | | | Residential real estate: | | | | | | | | | Commercial | — | | | — | | | — | | | — | | | Mortgage | 176 | | | 72 | | | 10 | | | 243 | | | HELOC | — | | | — | | | — | | | — | | | Installment | — | | | — | | | — | | | — | | | Consumer: | | | | | | | | | Consumer | — | | | 18 | | | — | | | — | | | Check loans | — | | | — | | | — | | | — | | | Leases | — | | | — | | | — | | | — | | | Total loans | $ | 464 | | | $ | 90 | | | $ | 157 | | | $ | 243 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended
June 30, 2024 | | Term Extension | | Interest Rate Reduction | | Combination Term Extension and Interest Rate Reduction | | Other | | Commercial, financial and agricultural: | | | | | | | | | Commercial, financial and agricultural | $ | 5,821 | | | $ | — | | | $ | — | | | $ | — | | | Overdrafts | — | | | — | | | — | | | — | | | Commercial real estate | — | | | — | | | — | | | — | | | Construction real estate: | | | | | | | | | Commercial | — | | | — | | | — | | | — | | | Retail | — | | | — | | | — | | | — | | | Residential real estate: | | | | | | | | | Commercial | — | | | — | | | — | | | — | | | Mortgage | 48 | | | — | | | — | | | — | | | HELOC | — | | | — | | | — | | | — | | | Installment | 19 | | | — | | | — | | | — | | | Consumer: | | | | | | | | | Consumer | — | | | — | | | — | | | — | | | Check loans | — | | | — | | | — | | | — | | | Leases | — | | | — | | | — | | | — | | | Total loans | $ | 5,888 | | | $ | — | | | $ | — | | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended
June 30, 2025 | | Term Extension | | Interest Rate Reduction | | Combination Term Extension and Interest Rate Reduction | | Combination Term Extension and Payment Delay | | Commercial, financial and agricultural: | | | | | | | | | Commercial, financial and agricultural | $ | 25 | | | $ | — | | | 262 | | | $ | — | | | Overdrafts | — | | | — | | | — | | | — | | | Commercial real estate | 263 | | | — | | | — | | | — | | | Construction real estate: | | | | | | | | | Commercial | — | | | — | | | — | | | — | | | Retail | — | | | — | | | — | | | — | | | Residential real estate: | | | | | | | | | Commercial | — | | | — | | | — | | | — | | | Mortgage | 176 | | | 72 | | | 10 | | | 243 | | | HELOC | — | | | — | | | — | | | — | | | Installment | — | | | — | | | — | | | — | | | Consumer: | | | | | | | | | Consumer | — | | | 18 | | | — | | | — | | | Check loans | — | | | — | | | — | | | — | | | Leases | — | | | — | | | — | | | — | | | Total loans | $ | 464 | | | $ | 90 | | | $ | 272 | | | $ | 243 | |
| | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended
June 30, 2024 | | Term Extension | | Interest Rate Reduction | | Combination Term Extension and Interest Rate Reduction | | Other | | Commercial, financial and agricultural: | | | | | | | | | Commercial, financial and agricultural | $ | 8,872 | | | $ | — | | | $ | — | | | $ | — | | | Overdrafts | — | | | — | | | — | | | — | | | Commercial real estate | — | | | — | | | — | | | — | | | Construction real estate: | | | | | | | | | Commercial | — | | | — | | | — | | | — | | | Retail | — | | | — | | | — | | | — | | | Residential real estate: | | | | | | | | | Commercial | — | | | — | | | — | | | — | | | Mortgage | 48 | | | — | | | — | | | — | | | HELOC | — | | | — | | | — | | | — | | | Installment | 19 | | | — | | | — | | | — | | | Consumer: | | | | | | | | | Consumer | — | | | — | | | — | | | — | | | Check loans | — | | | — | | | — | | | — | | | Leases | — | | | — | | | — | | | — | | | Total loans | $ | 8,939 | | | $ | — | | | $ | — | | | $ | — | |
Upon the determination that a modified loan (or a portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged-off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the ACL is adjusted by the same amounts.
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