| Schedule of Allowance for Credit Losses |
The following tables present the balance sheet activity in the ACL by portfolio segment for loans for the three and six month periods ended June 30, 2025 and June 30, 2024. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (dollars in thousands) | Balance March 31, 2025 | | | | Charge-Offs | | Recoveries | | Provision for credit losses on loans | | Balance, June 30, 2025 | | Three Months Ended June 30, 2025 | | | | | | | | | | | | | Construction, land & land development | $ | 1,078 | | | | | $ | — | | | $ | — | | | $ | 453 | | | $ | 1,531 | | | Other commercial real estate | 6,515 | | | | | (46) | | | 5 | | | (1,046) | | | 5,428 | | | Total commercial real estate | 7,593 | | | | | (46) | | | 5 | | | (593) | | | 6,959 | | | Residential real estate | 5,753 | | | | | (181) | | | 88 | | | (208) | | | 5,452 | | | Commercial, financial & agricultural | 3,545 | | | | | (652) | | | 8 | | | 159 | | | 3,060 | | | Consumer and other | 3,106 | | | | | (278) | | | 7 | | | 847 | | | 3,682 | | | Total allowance for credit losses on loans | $ | 19,997 | | | | | $ | (1,157) | | | $ | 108 | | | $ | 205 | | | $ | 19,153 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (dollars in thousands) | Balance March 31, 2024 | | | | Charge-Offs | | Recoveries | | Provision for credit losses on loans | | Balance, June 30, 2024 | | Three Months Ended June 30, 2024 | | | | | | | | | | | | | Construction, land & land development | $ | 2,046 | | | | | $ | — | | | $ | 1 | | | $ | (752) | | | $ | 1,295 | | | Other commercial real estate | 7,389 | | | | | — | | | 9 | | | (2) | | | 7,396 | | | Total commercial real estate | 9,435 | | | | | — | | | 10 | | | (754) | | | 8,691 | | | Residential real estate | 5,327 | | | | | (270) | | | 39 | | | 894 | | | 5,990 | | | Commercial, financial & agricultural | 2,020 | | | | | (356) | | | 37 | | | 314 | | | 2,015 | | | Consumer and other | 1,875 | | | | | (131) | | | 4 | | | 362 | | | 2,110 | | | Total allowance for credit losses on loans | $ | 18,657 | | | | | $ | (757) | | | $ | 90 | | | $ | 816 | | | $ | 18,806 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (dollars in thousands) | Balance December 31, 2024 | | | | Charge-Offs | | Recoveries | | Provision for credit losses on loans | | Balance, June 30, 2025 | Six Months Ended June 30, 2025 | | | | | | | | | | | | | Construction, land & land development | $ | 1,306 | | | | | $ | — | | | $ | 1 | | | $ | 224 | | | 1,531 | | | Other commercial real estate | 6,459 | | | | | (226) | | | 10 | | | (815) | | | 5,428 | | | Total commercial real estate | 7,765 | | | | | (226) | | | 11 | | | (591) | | | 6,959 | | | Residential real estate | 5,502 | | | | | (182) | | | 128 | | | 4 | | | 5,452 | | | Commercial, financial & agricultural | 2,904 | | | | | (914) | | | 63 | | | 1,007 | | | 3,060 | | | Consumer and other | 2,809 | | | | | (554) | | | 19 | | | 1,408 | | | 3,682 | | | Total allowance for credit losses on loans | $ | 18,980 | | | | | $ | (1,876) | | | $ | 221 | | | $ | 1,828 | | | $ | 19,153 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (dollars in thousands) | Balance December 31, 2023 | | | | Charge-Offs | | Recoveries | | Provision for credit losses on loans | | Balance, June 30, 2024 | Six Months Ended June 30, 2024 | | | | | | | | | | | | | Construction, land & land development | $ | 2,204 | | | | | $ | — | | | $ | 2 | | | $ | (911) | | | $ | 1,295 | | | Other commercial real estate | 7,064 | | | | | (20) | | | 18 | | | 334 | | | 7,396 | | | Total commercial real estate | 9,268 | | | | | (20) | | | 20 | | | (577) | | | 8,691 | | | Residential real estate | 5,105 | | | | | (340) | | | 207 | | | 1,018 | | | 5,990 | | | Commercial, financial & agricultural | 2,110 | | | | | (1,014) | | | 59 | | | 860 | | | 2,015 | | | Consumer and other | 1,888 | | | | | (251) | | | 8 | | | 465 | | | 2,110 | | | Total allowance for loan losses | $ | 18,371 | | | | | $ | (1,625) | | | $ | 294 | | | $ | 1,766 | | | $ | 18,806 | |
The following table presents the balance and activity in the allowance for credit losses for unfunded commitments for the three and six month periods ended June 30, 2025 and June 30, 2024. | | | | | | | | | | | | | | | | Three Months Ended June 30, | Six Months Ended June 30, | | (dollars in thousands) | 2025 | 2024 | 2025 | 2024 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Beginning balance | $ | 690 | | $ | 1,425 | | $ | 813 | | $ | 1,375 | | | | | | | | Provision for (recovery of) unfunded commitments | 245 | | (166) | | 122 | | (116) | | | Ending balance | $ | 935 | | $ | 1,259 | | $ | 935 | | $ | 1,259 | |
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