| Schedule of Accumulated Other Comprehensive Income (Loss) |
The following table summarizes activity in the unrealized gain or loss on AFS securities included in OCI for the years ended December 31, 2025, 2024 and 2023: | | | | | | | | | | | | | For the years ended December 31, | 2025 | 2024 | 2023 | | Balance at beginning of year | $ | (42,671,000) | | $ | (39,575,000) | | $ | (44,718,000) | | | Unrealized gains (losses) arising during the year | 14,341,000 | | (3,919,000) | | 6,510,000 | | | | | | | Related deferred taxes | (3,011,000) | | 823,000 | | (1,367,000) | | | | | | | Net change | 11,330,000 | | (3,096,000) | | 5,143,000 | | | Balance at end of year | $ | (31,341,000) | | $ | (42,671,000) | | $ | (39,575,000) | |
| | | | | | | | | | | | | For the years ended December 31, | 2025 | 2024 | 2023 | | Balance at beginning of year | $ | (47,000) | | $ | (56,000) | | $ | (64,000) | | | | | | | Amortization of net unrealized gains | 11,000 | | 11,000 | | 10,000 | | | Related deferred taxes | (2,000) | | (2,000) | | (2,000) | | | | | | | Net change | 9,000 | | 9,000 | | 8,000 | | | Balance at end of year | $ | (38,000) | | $ | (47,000) | | $ | (56,000) | |
The following table represents the effect of the Company's derivative financial instruments included in OCI for the years ended December 31, 2025, 2024, and 2023: | | | | | | | | | | | | For the years ended December 31, | 2025 | 2024 | 2023 | | Balance at beginning of year | $ | 157,000 | | $ | 300,000 | | $ | 544,000 | | | Unrealized losses on cash flow hedging derivatives arising during the year | (198,000) | | (181,000) | | (309,000) | | | | | | | Related deferred taxes | 41,000 | | 38,000 | | 65,000 | | | | | | | Net change | (157,000) | | (143,000) | | (244,000) | | | Balance at end of year | $ | — | | $ | 157,000 | | $ | 300,000 | |
The following table summarizes activity in the unrealized gain or loss on postretirement benefits included in OCI for the years ended December 31, 2025, 2024, and 2023: | | | | | | | | | | | | | | | | | | | For the years ended December 31, | 2025 | | 2024 | | 2023 | | Unrecognized postretirement benefits at beginning of year | $ | 287,000 | | | $ | 303,000 | | | $ | 273,000 | | | | | | | | | Change in unamortized net actuarial gain | (59,000) | | | (21,000) | | | 39,000 | | | Related deferred taxes | 12,000 | | | 5,000 | | | (9,000) | | | | | | | | | Net change | (47,000) | | | (16,000) | | | 30,000 | | | Unrecognized postretirement benefits at end of year | $ | 240,000 | | | $ | 287,000 | | | $ | 303,000 | |
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