The Company originates commercial, industrial and real estate loans to businesses and faith-based ministries throughout the metropolitan St. Louis, Missouri area, Colorado Springs, Colorado and other selected cities in the United States. The Company does not have any particular concentration of credit in any one economic sector; however, a substantial portion of the commercial and industrial loans is extended to privately-held commercial companies and franchises in these market areas and are generally secured by the assets of the business. The Company also has a substantial portion of real estate

loans secured by mortgages that are extended to faith-based ministries in its market area and selected cities in the United States.


	December 31,
(In thousands)	2025		2024
Commercial and industrial	$	553,080	$	559,262
Real estate:
Commercial:
Mortgage	97,567		119,194
Construction	12,943		9,134
Faith-based:
Mortgage	362,312		368,881
Construction	35,288		25,518
Other	27		—
Total loans	$	1,061,217	$	1,081,989


	Performing						Nonperforming
(In thousands)	Current		30-59 Days		60-89 Days		90 Days and Over		Non- accrual		Total Loans
Commercial and industrial	$	549,310	$	—	$	—	$	—	$	3,770	$	553,080
Real estate
Commercial:
Mortgage	94,345		—		—		—		3,222		97,567
Construction	12,943		—		—		—		—		12,943
Faith-based:
Mortgage	362,312		—		—		—		—		362,312
Construction	35,288		—		—		—		—		35,288
Other	27		—		—		—		—		27
Total	$	1,054,225	$	—	$	—	$	—	$	6,992	$	1,061,217


	Performing						Nonperforming
(In thousands)	Current		30-59 Days		60-89 Days		90 Days and Over		Non- accrual		Total Loans
Commercial and industrial	$	559,262	$	—	$	—	$	—	$	—	$	559,262
Real estate
Commercial:
Mortgage	119,194		—		—		—		—		119,194
Construction	9,134		—		—		—		—		9,134
Faith-based:
Mortgage	368,881		—		—		—		—		368,881
Construction	25,518		—		—		—		—		25,518

Total	$	1,081,989	$	—	$	—	$	—	$	—	$	1,081,989

The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2025:


(In thousands)	Loans Subject to Normal Monitoring(1)		Performing Loans Subject to Special Monitoring(2)		Nonperforming Loans Subject to Special Monitoring(2)		Total Loans
Commercial and industrial	$	531,416	$	17,894	$	3,770	$	553,080
Real estate
Commercial:
Mortgage	81,744		12,601		3,222		97,567
Construction	12,943		—		—		12,943
Faith-based:
Mortgage	358,691		3,621		—		362,312
Construction	35,288		—		—		35,288
Other	27		—		—		27
Total	$	1,020,109	$	34,116	$	6,992	$	1,061,217


(1)			Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk and have the apparent ability to satisfy their loan obligation.
(2)			Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a higher level of management attention.

The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2024:


(In thousands)	Loans Subject to Normal Monitoring(1)		Performing Loans Subject to Special Monitoring(2)		Nonperforming Loans Subject to Special Monitoring(2)		Total Loans
Commercial and industrial	$	527,690	$	31,572	$	—	$	559,262
Real estate
Commercial:
Mortgage	116,063		3,131		—		119,194
Construction	9,134		—		—		9,134
Faith-based:
Mortgage	352,356		16,525		—		368,881
Construction	25,518		—		—		25,518

Total	$	1,030,761	$	51,228	$	—	$	1,081,989


(1)			Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk and have the apparent ability to satisfy their loan obligation.
(2)			Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a higher level of management attention.

Loan modifications to borrowers experiencing financial difficulty may be in the form of principal forgiveness, an interest rate reduction, an other-than-insignificant payment delay, a term extension, or a combination thereof, among other things. There were two loans modified during the year ended December 31, 2025 and no loans modified during the year ended December 31, 2024. Both loans modified during 2025 were paid off in full prior to December 31, 2025.

There were no modified loans that had a payment default during the years ended December 31, 2025 or 2024 and that had been modified due to the borrower experiencing financial difficulty within the 12 previous months preceding the default.

Upon the Company's determination that a modified loan has subsequently been deemed uncollectible, the loan is written off. There were no loans written off during the years ended December 31, 2025 or 2024.

The Company had three loans evaluated for expected credit losses on an individual basis as of December 31, 2025 and no loans evaluated for expected credit losses on an individual basis as of December 31, 2024.