The following tables detail the changes in the allowance for credit losses by loan and lease classification (in thousands):


	Three Months Ended June 30, 2025
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	7,326	$	8,415	$	8,688	$	4,154	$	8,628	$	842	$	122	$	38,175
Charged-off loans and leases		—		—		—		—		(60)		(159)		(50)		(269)
Recoveries of charge-offs		—		1		—		—		99		3		20		123
Provision charged to expense ⁽¹⁾		(72)		446		199		296		663		182		33		1,747
Ending balance	$	7,254	$	8,862	$	8,887	$	4,450	$	9,330	$	868	$	125	$	39,776


	Three Months Ended June 30, 2024
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	6,454	$	8,389	$	7,246	$	4,704	$	6,641	$	657	$	112	$	34,203
Charged-off loans and leases		—		—		107		—		(222)		(245)		(97)		(457)
Recoveries of charge-offs		—		31		(75)		—		70		—		22		48
Provision charged to expense ⁽²⁾		564		192		265		(1,208)		745		258		80		896
Ending balance	$	7,018	$	8,612	$	7,543	$	3,496	$	7,234	$	670	$	117	$	34,690


	Six Months Ended June 30, 2025
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	6,972	$	8,341	$	8,355	$	4,168	$	8,552	$	919	$	116	$	37,423
Charged-off loans and leases		—		—		—		—		(119)		(349)		(133)		(601)
Recoveries of charge-offs		—		3		—		200		122		3		35		363
Provision charged to expense ⁽¹⁾		282		518		532		82		775		295		107		2,591
Ending balance	$	7,254	$	8,862	$	8,887	$	4,450	$	9,330	$	868	$	125	$	39,776


	Six Months Ended June 30, 2024
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	6,846	$	8,418	$	7,249	$	4,874	$	6,924	$	640	$	115	$	35,066
Charged-off loans and leases		—		—		—		(441)		(423)		(322)		(191)		(1,377)
Recoveries of charge-offs		—		33		4		—		96		—		50		183
Provision charged to expense ⁽²⁾		172		161		290		(937)		637		352		143		818
Ending balance	$	7,018	$	8,612	$	7,543	$	3,496	$	7,234	$	670	$	117	$	34,690

(1)

In the provision expense in the consolidated statements of income there was a provision of $664 thousand and $800 thousand of unfunded commitments through the provision for credit losses not reflected in the three and six months ended June 30, 2025.

(2)

In the provision expense in the consolidated statements of income was a release of $13 thousand and $375 thousand of unfunded commitments through the provision for credit losses not reflected in the three and six months ended June 30, 2024.

Past Due Loans and Leases

The following tables present an aging analysis of our loan and lease portfolio (in thousands):


	June 30, 2025
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Non-owner occupied	$	—	$	469	$	—	$	469	$	1,113,664	$	1,114,133
Owner occupied		1,443		—		572		2,015		956,974		958,989
Consumer real estate		501		486		516		1,503		801,767		803,270
Construction and land development		—		—		—		—		391,155		391,155
Commercial and industrial		781		172		898		1,851		776,903		778,754
Leases		1,051		607		3,537		5,195		57,300		62,495
Consumer and other		135		6		32		173		15,093		15,266
Total	$	3,911	$	1,740	$	5,555	$	11,206	$	4,112,856	$	4,124,062


	December 31, 2024
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Non-owner occupied	$	378	$	—	$	263	$	641	$	1,079,763		1,080,404
Owner occupied		731		47		539		1,317		866,361		867,678
Consumer real estate		2,258		826		764		3,848		737,988		741,836
Construction and land development		523		—		—		523		361,212		361,735
Commercial and industrial		1,417		367		1,636		3,420		772,200		775,620
Leases		1,645		—		2,118		3,763		61,115		64,878
Consumer and other		96		24		18		138		14,051		14,189
Total	$	7,048	$	1,264	$	5,338	$	13,650	$	3,892,690	$	3,906,340

Summary of amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses

The following table presents the amortized cost basis of collateral-dependent loans, which are individually evaluated to determine expected credit losses (in thousands):


	June 30, 2025
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	442	$	—	$	442
Owner occupied		3,577		—		3,577
Consumer real estate		1,019		—		1,019
Construction and land development		—		—		—
Commercial and industrial		—		2,149		2,149
Leases		—		528		528
Consumer and other		—		—		—
Total	$	5,038	$	2,677	$	7,715

	December 31, 2024
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	733	$	—	$	733
Owner occupied		4,636		—		4,636
Consumer real estate		1,139		—		1,139
Construction and land development		262		—		262
Commercial and industrial		—		2,286		2,286
Leases		—		534		534
Consumer and other		—		—		—
Total	$	6,770	$	2,820	$	9,590