Three months ended

June 30,

(dollars in thousands)

Noninterest Income

2025

2024

In-scope of Topic 606:

Service charges on deposit accounts

$

117

$

113

ATM fees

61

107

Overdraft fees

385

345

Safe deposit box rental

21

20

Loan related service fees

133

189

Debit card fees

555

616

Fiduciary activities

226

225

Commissions on mutual funds and annuities

194

76

Gains on sales of other real estate owned

—

32

Other income

177

157

Noninterest Income (in-scope of Topic 606)

1,869

1,880

Out-of-scope of Topic 606:

Loan servicing fees

48

38

Gains on sales of loans

65

36

Earnings on and proceeds from bank-owned life insurance

266

253

Noninterest Income (out-of-scope of Topic 606)

379

327

Total Noninterest Income

$

2,248

$

2,207

Six months ended

June 30,

(dollars in thousands)

Noninterest Income

2025

2024

In-scope of Topic 606:

Service charges on deposit accounts

$

227

$

225

ATM fees

155

213

Overdraft fees

748

700

Safe deposit box rental

46

45

Loan related service fees

281

319

Debit card fees

1,143

1,142

Fiduciary activities

551

463

Commissions on mutual funds and annuities

340

144

Gains on sales of other real estate owned

—

32

Other income

357

309

Noninterest Income (in-scope of Topic 606)

3,848

3,592

Out-of-scope of Topic 606:

Loan servicing fees

87

59

Gains on sales of loans

112

42

Earnings on and proceeds from bank-owned life insurance

552

520

Noninterest Income (out-of-scope of Topic 606)

751

621

Total Noninterest Income

$

4,599

$

4,213