
	Three Months Ended June 30, 2025
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Balance at March 31, 2025	$	73,999	$	43,356	$	6,790	$	124,145

Charge-offs	(3,524)		(2,067)		(10)		(5,601)
Recoveries	—		427		47		474
Provision (credit) for loan and lease losses excluding unfunded commitments	2,640		4,753		314		7,707

Balance at June 30, 2025	$	73,115	$	46,469	$	7,141	$	126,725


	Three Months Ended June 30, 2024
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Balance at March 31, 2024	$	83,475	$	30,417	$	6,232	$	120,124

Charge-offs	(3,819)		(4,998)		(6)		(8,823)
Recoveries	—		427		9		436
Provision (credit) for loan and lease losses excluding unfunded commitments	2,496		7,540		(23)		10,013
Balance at June 30, 2024	$	82,152	$	33,386	$	6,212	$	121,750



	Six Months Ended June 30, 2025
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Balance at December 31, 2024	$	74,171	$	44,169	$	6,743	$	125,083


Charge-offs	(3,524)		(11,136)		(14)		(14,674)
Recoveries	—		1,849		101		1,950
Provision (credit) for loan and lease losses excluding unfunded commitments	2,468		11,587		311		14,366
Balance at June 30, 2025	$	73,115	$	46,469	$	7,141	$	126,725



	Six Months Ended June 30, 2024
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Balance at December 31, 2023	$	81,410	$	29,557	$	6,555	$	117,522

Charge-offs	(4,425)		(9,769)		(19)		(14,213)
Recoveries	—		719		26		745
Provision (credit) for loan and lease losses excluding unfunded commitments	5,167		12,879		(350)		17,696
Balance at June 30, 2024	$	82,152	$	33,386	$	6,212	$	121,750


	Three Months Ended June 30,				Six Months Ended June 30,
	2025		2024		2025		2024
	(In Thousands)
Provision (credit) for loan and lease losses:
Commercial real estate	$	2,640	$	2,496	$	2,468	$	5,167
Commercial	4,753		7,540		11,587		12,879
Consumer	314		(23)		311		(350)

Total provision (credit) for loan and lease losses	7,707		10,013		14,366		17,696





Unfunded commitments	(710)		(4,406)		(1,395)		(4,666)
Investment securities available-for-sale	3		(39)		15		(83)
Total provision (credit) for credit losses	$	7,000	$	5,568	$	12,986	$	12,947

Management has established a methodology to determine the adequacy of the ACL that assesses the risks and losses expected on the loan and lease portfolio and unfunded commitments. Additions to the ACL are made by charges to the provision for credit losses. Losses on loans and leases are charged off against the allowance when all or a portion of a loan or lease is considered uncollectible. Subsequent recoveries on loans previously charged off, if any, are credited to the allowance when realized.

To calculate the allowance for loans collectively evaluated, management uses models developed by a third party. CRE, C&I, and retail lifetime loss rate models calculate the expected losses over the life of the loan based on exposure at default loan attributes and reasonable, supportable economic forecasts. The exposure at default considers the current unpaid balance, prepayment assumptions and expected utilization assumptions. The expected loss estimates for two small commercial portfolios are based on historical loss rates.

Key assumptions used in the models include portfolio segmentation, prepayments, and the expected utilization of unfunded commitments, among others. The portfolios are segmented by loan level attributes such as loan type, loan size, date of origination, and delinquency status to create homogenous loan pools. Pool level metrics are calculated and loss rates are subsequently applied to the pools as the loans have like characteristics. Prepayment assumptions are embedded within the models and are based on the same data used for model development and incorporate adjustments for reasonable and supportable forecasts. Model development data and developmental time periods vary by model, but all use at least ten years of historical data and capture at least one recessionary period. Expected utilization is based on current utilization and a LEQ factor. LEQ varies by current utilization and provides a reasonable estimate of expected draws and borrower behavior. Assumptions and model inputs are reviewed in accordance with model monitoring practices and as information becomes available.

The ACL estimate incorporates reasonable and supportable forecasts of various macro-economic variables over the remaining life of loans and leases. The development of the reasonable and supportable forecast assume each macro-economic variable will revert to long-term expectations, with reversion characteristics unique to specific economic indicators and forecasts. Reversion towards long-term expectations generally begins two to three years from the forecast start date and largely completes within the first five years.

Management elected to use multiple economic forecasts in determining the reserve to account for economic uncertainty. The forecasts include various projections of gross domestic product, interest rates, property price indices, and employment measures. Scenario weighting and model parameters are reviewed for each calculation and updated to reflect facts and circumstances as of the financial statement date. The forecasts utilized at June 30, 2025 reflect the immediate and longer-term effects of a higher interest rate environment and inflationary conditions compared to recent history.

As of June 30, 2025, management continued to apply qualitative adjustments to the CRE lifetime loss rate, C&I lifetime loss rate, and Retail lifetime loss rate models. These adjustments addressed model limitations, were based on historical loss patterns, and targeted specific risks within the certain portfolios. A general qualitative adjustment was applied to all models to account for general economic uncertainty by placing a greater probability on negative economic forecasts. Additional qualitative factors were applied to capture specific risks in several sub-segments of the portfolio determined to have potential incremental risk relative to the model’s results (e.g., office and specialty vehicle) based on recent collateral valuations and performance trends. These adjustments included both positive and negative adjustments and were applied to five different sub-segments with a total impact of $27.0 million at June 30, 2025. Management reviews these factors on a quarterly basis as market conditions and segment performance evolve.

Specific reserves are established for loans individually evaluated for impairment when amortized cost basis is greater than the discounted present value of expected future cash flows or, in the case of collateral-dependent loans, when there is an excess of a loan's amortized cost basis over the fair value of its underlying collateral. When loans and leases do not share risk characteristics with other financial assets they are evaluated individually. Individually evaluated loans are reviewed quarterly with adjustments made to the calculated reserve as necessary.

The specific allowance for loan and lease losses was $21.7 million as of June 30, 2025, compared to $17.5 million as of December 31, 2024. The specific allowance increased $4.2 million during the six months ended June 30, 2025, primarily due to specific reserve increases totaling $3.7 million for equipment financing loans, $0.3 million for consumer and industrial loans, and $0.2 million for commercial real estate loans.

At the time of loan origination, a rating is assigned based on the capacity to pay and general financial strength of the borrower, the value of assets pledged as collateral, and the evaluation of third party support such as a guarantor. The Company continually monitors the credit quality of the loan portfolio using all available information. The officer responsible for handling each loan is required to initiate changes to risk ratings when changes in facts and circumstances occur that warrant an upgrade or downgrade in a loan rating. Based on this information, loans demonstrating certain payment issues or other weaknesses may be categorized as delinquent, adversely risk-rated, nonperforming and/or put on nonaccrual status. Additionally, in the course of resolving such loans, the Company may choose to restructure the contractual terms of certain loans to match the borrower's ability to repay the loan based on their current financial condition. If a restructured loan meets certain criteria, it may be categorized as a modified loan.

The Company reviews numerous credit quality indicators when assessing the risk in its loan portfolio. For all loans, the Company utilizes an eight-grade loan rating system, which assigns a risk rating to each borrower based on a number of quantitative and qualitative factors associated with a loan transaction. Factors considered include industry and market conditions; position within the industry; earnings trends; operating cash flow; asset/liability values; debt capacity; guarantor strength; management and controls; financial reporting; collateral; and other considerations. In addition, the Company's independent loan review group evaluates the credit quality and related risk ratings in all loan portfolios. The results of these reviews are reported to the Risk Committee of the Board of Directors on a periodic basis and annually to the Board of Directors. For the consumer loans, the Company heavily relies on payment status for calibrating credit risk.

Borrowers exhibit well defined weaknesses that jeopardize the orderly liquidation of debt. Substandard loans may be inadequately protected by the current net worth and paying capacity of the obligors or by the collateral pledged, if any. Normal repayment from the borrower is in jeopardy. Although no immediate loss of principal is envisioned, there is a distinct possibility that a partial loss of interest and/or principal will occur if the deficiencies are not corrected. Collateral coverage may be inadequate to cover the principal obligation.

Borrowers exhibit well-defined weaknesses that jeopardize the orderly liquidation of debt with the added provision that the weaknesses make collection of the debt in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Serious problems exist to the point where partial loss of principal is likely.


	June 30, 2025
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
			(In Thousands)
Commercial Real Estate
Pass	$	87,050	$	173,139	$	295,852	$	728,866	$	704,182	$	1,683,058	$	28,249	$	16,516	$	3,716,912
OAEM	—		—		—		21,743		21,950		22,785		—		2,253		68,731
Substandard	—		22,503		3,397		38,786		7,323		56,020		—		—		128,029

Total	87,050		195,642		299,249		789,395		733,455		1,761,863		28,249		18,769		3,913,672
Current-period gross writeoffs	—		—		—		—		—		1,467		—		—		1,467
Multi-Family Mortgage
Pass	10,889		13,240		103,875		299,679		254,876		640,381		6,744		37,929		1,367,613
OAEM	—		—		—		10,969		—		—		—		—		10,969
Substandard	—		—		—		2,863		11,433		8,384		—		—		22,680

Total	10,889		13,240		103,875		313,511		266,309		648,765		6,744		37,929		1,401,262


	June 30, 2025
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
			(In Thousands)
Current-period gross writeoffs											2,057						2,057
Construction
Pass	6,688		49,992		63,485		2,351		18,757		3,114		3,475		—		147,862
OAEM	—		—		—		22,750		—		—		—		—		22,750


Total	6,688		49,992		63,485		25,101		18,757		3,114		3,475		—		170,612
Commercial
Pass	78,811		174,096		244,218		124,451		105,483		104,780		440,246		5,705		1,277,790
OAEM	—		—		63		—		62		164		5,391		—		5,680
Substandard	—		441		991		6,840		409		1,099		10,065		181		20,026
Doubtful	—		—		4		—		—		2		—		14		20
Total	78,811		174,537		245,276		131,291		105,954		106,045		455,702		5,900		1,303,516
Current-period gross writeoffs	—		—		—		—		—		7,155		—		—		7,155
Equipment Financing
Pass	99,989		270,549		306,697		240,160		117,649		125,904		1,475		4,651		1,167,074
OAEM	—		—		—		1,289		759		—		—		—		2,048
Substandard	—		2,350		15,508		6,216		3,112		4,692		—		11,530		43,408
Doubtful	—		—		—		4,283		—		18		—		—		4,301
Total	99,989		272,899		322,205		251,948		121,520		130,614		1,475		16,181		1,216,831
Current-period gross writeoffs	—		461		1,012		1,233		345		931		—		—		3,982






Other Consumer
Pass	460		251		125		52		6		2,057		60,529		18		63,498



Total	460		251		125		52		6		2,057		60,529		18		63,498
Current-period gross writeoffs	6		—		1		—		—		6		—		—		13
Total
Pass	283,887		681,267		1,014,252		1,395,559		1,200,953		2,559,294		540,718		64,819		7,740,749
OAEM	—		—		63		56,751		22,771		22,949		5,391		2,253		110,178
Substandard	—		25,294		19,896		54,705		22,277		70,195		10,065		11,711		214,143
Doubtful	—		—		4		4,283		—		20		—		14		4,321
Total	$	283,887	$	706,561	$	1,034,215	$	1,511,298	$	1,246,001	$	2,652,458	$	556,174	$	78,797	$	8,069,391


	At June 30, 2025
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
			(In Thousands)
Residential
Credit Scores
Over 700	$	50,709	$	111,352	$	70,641	$	150,896	$	188,390	$	388,170	$	4,900	$	92	$	965,150
661 - 700	3,009		4,460		5,036		12,545		10,307		25,836		—		8		61,201
600 and below	115		2,055		4,530		8,785		8,767		30,612		—		—		54,864
Data not available*	9,712		354		1,522		1,649		2,254		18,798		—		—		34,289
Total	$	63,545	$	118,221	$	81,729	$	173,875	$	209,718	$	463,416	$	4,900	$	100	$	1,115,504

Home Equity
Credit Scores
Over 700	$	1,682	$	1,572	$	4,144	$	3,254	$	931	$	6,380	$	323,307	$	2,897	$	344,167
661 - 700	56		26		35		144		37		406		26,466		1,415		28,585
600 and below	—		92		676		67		400		405		18,260		2,246		22,146
Data not available*	2		—		15		—		—		36		2,528		—		2,581
Total	$	1,740	$	1,690	$	4,870	$	3,465	$	1,368	$	7,227	$	370,561	$	6,558	$	397,479


	December 31, 2024
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
	(In Thousands)
Commercial Real Estate
Pass	$	147,877	$	395,770	$	677,054	$	740,805	$	368,755	$	1,493,198	$	45,933	$	16,620	$	3,886,012
OAEM	22,505		—		21,923		3,611		3,210		41,704		—		411		93,364
Substandard	—		—		3,653		5,416		—		38,820		—		—		47,889

Total	170,382		395,770		702,630		749,832		371,965		1,573,722		45,933		17,031		4,027,265
Current -period gross writeoffs	—		—		552		—		—		3,874		—		—		4,426

Multi-Family Mortgage
Pass	16,197		67,890		244,419		243,977		153,294		572,534		5,937		38,001		1,342,249
OAEM	—		—		11,606		—		—		3,855		—		—		15,461
Substandard	—		—		2,863		11,477		—		15,746		—		—		30,086


	December 31, 2024
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
	(In Thousands)
Total	16,197		67,890		258,888		255,454		153,294		592,135		5,937		38,001		1,387,796
Construction
Pass	50,569		24,642		169,636		37,832		1,649		221		8,754		—		293,303
OAEM	—		—		7,750		—		—		—		—		—		7,750


Total	50,569		24,642		177,386		37,832		1,649		221		8,754		—		301,053
Commercial
Pass	171,978		256,267		138,946		108,892		35,090		87,430		383,725		6,962		1,189,290
OAEM	—		—		—		48		—		284		1,711		—		2,043
Substandard	—		4		—		392		1,197		12,001		6,091		365		20,050
Doubtful	—		—		—		—		—		2		—		329		331
Total	171,978		256,271		138,946		109,332		36,287		99,717		391,527		7,656		1,211,714
Current-period gross writeoffs	13		4		3,612		100		1,523		1,596		—		—		6,848
Equipment Financing
Pass	287,280		359,803		289,487		147,244		83,664		85,286		425		5,881		1,259,070
OAEM	—		—		1,572		930		—		—		—		—		2,502
Substandard	—		7,681		3,455		2,918		725		2,771		—		11,530		29,080
Doubtful	—		—		4,283		—		—		15		—		—		4,298
Total	287,280		367,484		298,797		151,092		84,389		88,072		425		17,411		1,294,950
Current-period gross writeoffs	840		2,801		4,740		1,430		5,219		4,166		—		—		19,196






Other Consumer
Pass	373		176		84		873		—		2,057		60,789		15		64,367



Total	373		176		84		873		—		2,057		60,789		15		64,367
Current-period gross writeoffs	7		—		3		—		1		12		—		—		23
Total
Pass	674,274		1,104,548		1,519,626		1,279,623		642,452		2,240,726		505,563		67,479		8,034,291
OAEM	22,505		—		42,851		4,589		3,210		45,843		1,711		411		121,120
Substandard	—		7,685		9,971		20,203		1,922		69,338		6,091		11,895		127,105
Doubtful	—		—		4,283		—		—		17		—		329		4,629
Total	$	696,779	$	1,112,233	$	1,576,731	$	1,304,415	$	647,584	$	2,355,924	$	513,365	$	80,114	$	8,287,145


	At December 31, 2024
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
	(In Thousands)
Residential
Credit Scores
Over 700	$	119,843	$	75,397	$	167,352	$	204,738	$	110,663	$	341,746	$	7,936	$	—	$	1,027,675
661 - 700	6,444		7,330		7,734		6,915		4,622		12,583		—		—		45,628
600 and below	2,040		1,111		7,711		4,976		5,016		13,024		—		—		33,878
Data not available*	31		537		1,349		881		—		4,753		—		—		7,551
Total	$	128,358	$	84,375	$	184,146	$	217,510	$120,301		$	372,106	$	7,936	$	—	$	1,114,732

Home Equity
Credit Scores
Over 700	$	1,696	$	4,686	$	3,492	$	1,402	$	529	$	7,003	$	316,187	$	5,446	$	340,441
661 - 700	166		400		21		38		—		326		18,700		505		20,156
600 and below	—		405		132		—		18		373		12,121		1,195		14,244
Data not available*	—		—		—		—		—		4		2,566		—		2,570
Total	$	1,862	$	5,491	$	3,645	$	1,440	$	547	$	7,706	$	349,574	$	7,146	$	377,411
Current-period gross writeoffs	$	—	$	—	16		$	—	$	—	$	—	$	—	$	—	16


	At June 30, 2025
	Past Due										Past Due Greater Than 90 Days and Accruing
	31-60 Days		61-90 Days		Greater Than 90 Days		Total		Current					Total Loans and Leases			Non-accrual		Non-accrual with No Related Allowance
	(In Thousands)
Commercial real estate loans:
Commercial real estate	$	2,296	$	653	$	2,187	$	5,136	$	3,908,536		$	3,913,672		$	1,854	$	987	$	841
Multi-family mortgage	—		—		15,736		15,736		1,385,526			1,401,262			14,296		1,433		1,439
Construction	—		—		7,750		7,750		162,862			170,612			7,750		—		—
Total commercial real estate loans	2,296		653		25,673		28,622		5,456,924			5,485,546			23,900		2,420		2,280
Commercial loans and leases:
Commercial	466		418		9,231		10,115		1,293,401			1,303,516			831		8,687		837
Equipment financing	6,883		6,913		38,369		52,165		1,164,666			1,216,831			165		46,067		2,672

Total commercial loans and leases	7,349		7,331		47,600		62,280		2,458,067			2,520,347			996		54,754		3,509
Consumer loans:
Residential mortgage	1,222		—		1,643		2,865		1,112,639			1,115,504			—		3,572		2,233
Home equity	1,200		65		764		2,029		395,450			397,479			3		1,561		680
Other consumer	3		1		1		5		63,493			63,498			—		1		—
Total consumer loans	2,425		66		2,408		4,899		1,571,582			1,576,481			3		5,134		2,913
Total loans and leases	$	12,070	$	8,050	$	75,681	$	95,801	$	9,486,573		$	9,582,374		$	24,899	$	62,308	$	8,702


	At December 31, 2024
	Past Due										Loans and Leases Past Due Greater Than 90 Days and Accruing				Non-accrual with No Related Allowance
	31-60 Days		61-90 Days		Greater Than 90 Days		Total		Current					Total Loans and Leases					Non-accrual
	(In Thousands)

Commercial real estate loans:
Commercial real estate	$	6,570	$	1,685	$	12,153	$	20,408	$	4,006,857		$	4,027,265		$	629	$	11,525	$	683
Multi-family mortgage	2,863		—		6,469		9,332		1,378,464			1,387,796			—		6,596		6,605
Construction	—		—		—		—		301,053			301,053			—		—		—
Total commercial real estate loans	9,433		1,685		18,622		29,740		5,686,374			5,716,114			629		18,121		7,288
Commercial loans and leases:
Commercial	783		1,693		695		3,171		1,208,543			1,211,714			—		14,676		326
Equipment financing	6,140		2,508		27,070		35,718		1,259,232			1,294,950			—		31,509		2,180

Total commercial loans and leases	6,923		4,201		27,765		38,889		2,467,775			2,506,664			—		46,185		2,506
Consumer loans:
Residential mortgage	2,015		—		2,057		4,072		1,110,660			1,114,732			130		3,999		2,359
Home equity	818		233		135		1,186		376,225			377,411			52		1,043		—
Other consumer	4		—		1		5		64,362			64,367			—		1		—
Total consumer loans	2,837		233		2,193		5,263		1,551,247			1,556,510			182		5,043		2,359
Total loans and leases	$	19,193	$	6,119	$	48,580	$	73,892	$	9,705,396		$	9,779,288		$	811	$	69,349	$	12,153

Loans and leases which do not share similar risk characteristics with other loans are individually evaluated for credit losses. A loan is individually evaluated when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both interest and principal) according to the contractual terms of the loan agreement. The loans and leases risk-rated "substandard" or worse are individually evaluated. Specific reserves are established for loans and leases with deterioration in the present value of expected future cash flows or, in the case of collateral-dependent loans and leases, any increase in the loan or lease amortized cost basis over the fair value of the underlying collateral discounted for estimated selling costs. In contrast, the loans and leases which share similar risk characteristics and are not included in the individually evaluated population are collectively evaluated for credit losses.


	At June 30, 2025
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Allowance for Loan and Lease Losses:

Individually evaluated	$	3,804	$	17,892	$	13	$	21,709
Collectively evaluated	69,311		28,577		7,128		105,016
Total	$	73,115	$	46,469	$	7,141	$	126,725









Loans and Leases:

Individually evaluated	$	150,569	$	62,504	$	3,177	$	216,250
Collectively evaluated	5,334,977		2,457,843		1,573,304		9,366,124
Total	$	5,485,546	$	2,520,347	$	1,576,481	$	9,582,374


	At December 31, 2024
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Allowance for Loan and Lease Losses:

Individually evaluated	$	3,566	$	13,967	$	13	$	17,546
Collectively evaluated	70,605		30,202		6,730		107,537
Total loans and leases	$	74,171	$	44,169	$	6,743	$	125,083










Loans and Leases:
Individually evaluated	$	77,983	$	47,819	$	2,626	$	128,428
Collectively evaluated	5,638,131		2,458,845		1,553,884		9,650,860








Total loans and leases	$	5,716,114	$	2,506,664	$	1,556,510	$	9,779,288


	Three Months Ended June 30, 2025
	Number of Loans	Amortized Cost		% of Total Class of Loans and Leases		Financial Effect
		(In thousands)
Maturity Extension:

C&I	2	$	446	0.02	%	One loan was given a 12 month maturity extension to assist the borrower and another loan was given a 7 month maturity extension. The financial effect was deemed "de minimis".
Significant Payment Delays:
Commercial Real Estate	1	3,815		0.07	%	This loan was given principal payments deferrals for 12 months. The financial effect was deemed "de minimis."





Combination - Maturity Extension and Interest Rate Reduction:

C&I	2	364		0.01	%	These loans were given 36 month extensions and reductions in their stated interest rates of 2.3%.




Total	5	$	4,625


	Three Months Ended June 30, 2024
	Number of Loans	Amortized Cost		% of Total Class of Loans and Leases		Financial Effect
		(In thousands)
Maturity Extension:
C&I	1	$	104	—	%	This loan was given a 30-month maturity extensions to assist the borrower. The financial effect was deemed "de minimis."
Significant Payment Delays:
C&I	12	$	13,833	0.57	%	These loans and letters of credit were given a two quarter (6 month) payment forbearance. The projected impact of the payment delay is approximately $0.1 million.


Combination - Maturity Extension and Significant Payment Delays:
C&I	2	$	1,615	0.07	%	This loan was given 6 months maturity extensions and 6 months of interest-only payments.
Combination - Maturity Extension and Interest Rate Reduction:
C&I	2	$	123	0.01	%	These loans were given 21 and 25 month extensions, respectively, and reductions in their stated interest rates of 7.5%.
Total	17	$	15,675	0.65	%



	Six Months Ended June 30, 2025
	Number of Loans	Amortized Cost		% of Total Class of Loans and Leases		Financial Effect
		(In thousands)
Maturity Extension:

C&I	4	$	1,537	0.06	%	Loans were given 15, 12, 7, and 3 month maturity extensions to assist the borrowers. The financial effect was deemed "de minimis".





Significant Payment Delays:
CRE	1	3,815		0.07	%	This loan was given principal payments deferrals for 12 months. The financial effect was deemed "de minimis."






Combination - Maturity Extension and Interest Rate Reduction:

C&I	2	$	364	0.01	%	These loans were given 36 month extensions, and reductions in their stated interest rates of 2.3%. The financial effect was deemed "de minimis."



Total	7	$	5,716


	Six Months Ended June 30, 2024
	Number of Loans	Amortized Cost		% of Total Class of Loans and Leases		Financial Effect
		(In thousands)
Maturity Extension:

C&I	2	$	131	0.01	%	One loan was given 30 month maturity extension to assist the borrower and the other loan was given a 2 month deferment of payments along with 13 months added to the term of the loan. The financial effect was deemed "de minimis".





Significant Payment Delays:




C&I	12	13,833		0.57	%	These loans and letters of credit were given a two quarter (6 month) payment forbearance. The projected impact of the payment delay is approximately $0.1 million.
Combination - Maturity Extension and Significant Payment Delays:
C&I	2	1,615		0.07	%	This loan was given 6 months maturity extensions and 6 months of interest-only payment.
Combination - Maturity Extension and Interest Rate Reduction:
C&I	2	123		0.01	%	These loans were given 21 and 25 month extensions, respectively, and reductions in their stated interest rates of 7.5%.
Total	18	$	15,702	0.66	%


	Three Months Ended June 30, 2025
	Current		30-60 Days Past Due		61-90 Days Past Due		90+ Days Past Due		Modified
	(In thousands)
Total Modifications	$	4,511	130		—		—		—

	Three Months Ended June 30, 2024
	Current		30-60 Days Past Due		61-90 Days Past Due		90+ Days Past Due		Modified
	(In thousands)
Total Modifications	$	14,321	$	1,353	$	—	$	—	$	—