Schedule of Total Loans Outstanding |
| | | | | | | | | | | | | | | | | | | | | | | | | | | (dollars in thousands) | | June 30, 2025 | | December 31, 2024 | Commercial and industrial loans: | | | | | | | | | Working capital lines of credit loans | | $ | 717,484 | | | 13.7 | % | | $ | 649,609 | | | 12.7 | % | Non-working capital loans | | 776,278 | | | 14.9 | | | 801,256 | | | 15.6 | | Total commercial and industrial loans | | 1,493,762 | | | 28.6 | | | 1,450,865 | | | 28.3 | | | | | | | | | | | Commercial real estate and multi-family residential loans: | | | | | | | | | Construction and land development loans | | 552,998 | | | 10.6 | | | 567,781 | | | 11.1 | | Owner occupied loans | | 780,285 | | | 14.9 | | | 807,090 | | | 15.8 | | Nonowner occupied loans | | 869,196 | | | 16.6 | | | 872,671 | | | 17.0 | | Multifamily loans | | 477,910 | | | 9.1 | | | 344,978 | | | 6.7 | | Total commercial real estate and multi-family residential loans | | 2,680,389 | | | 51.2 | | | 2,592,520 | | | 50.6 | | | | | | | | | | | Agri-business and agricultural loans: | | | | | | | | | Loans secured by farmland | | 150,934 | | | 2.9 | | | 156,609 | | | 3.1 | | Loans for agricultural production | | 188,501 | | | 3.6 | | | 230,787 | | | 4.5 | | Total agri-business and agricultural loans | | 339,435 | | | 6.5 | | | 387,396 | | | 7.6 | | | | | | | | | | | Other commercial loans: | | 95,442 | | | 1.8 | | | 95,584 | | | 1.9 | | Total commercial loans | | 4,609,028 | | | 88.1 | | | 4,526,365 | | | 88.4 | | | | | | | | | | | Consumer 1-4 family mortgage loans: | | | | | | | | | Closed end first mortgage loans | | 273,287 | | | 5.2 | | | 259,286 | | | 5.1 | | Open end and junior lien loans | | 226,114 | | | 4.4 | | | 214,125 | | | 4.2 | | Residential construction and land development loans | | 16,667 | | | 0.3 | | | 16,818 | | | 0.3 | | Total consumer 1-4 family mortgage loans | | 516,068 | | | 9.9 | | | 490,229 | | | 9.6 | | | | | | | | | | | Other consumer loans | | 103,880 | | | 2.0 | | | 104,041 | | | 2.0 | | Total consumer loans | | 619,948 | | | 11.9 | | | 594,270 | | | 11.6 | | Subtotal | | 5,228,976 | | | 100.0 | % | | 5,120,635 | | | 100.0 | % | Less: Allowance for credit losses | | (66,552) | | | | | (85,960) | | | | Net deferred loan fees | | (2,149) | | | | | (2,687) | | | | Loans, net | | $ | 5,160,275 | | | | | $ | 5,031,988 | | | |
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