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


	Year Ended December 31, 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		—		—		(6)		—		(2,145)		(1,250)		(338)		(3,739)
Recoveries of charge-offs		—		6		52		200		220		3		75		556
Provision charged to expense ⁽¹⁾		1,072		529		366		(70)		1,984		2,501		284		6,666
Ending balance	$	8,044	$	8,876	$	8,767	$	4,298	$	8,611	$	2,173	$	137	$	40,906

(1)

In the provision charged to expense, there was a provision for unfunded commitment liability in the amount of $1.1 million that is not included in the table above for the year ended December 31, 2025.


	Year Ended December 31, 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)		(928)		(1,312)		(336)		(3,017)
Recoveries of charge-offs		—		36		4		—		159		8		101		308
Provision charged to expense ⁽¹⁾		126		(113)		1,102		(265)		2,397		1,583		236		5,066
Ending balance	$	6,972	$	8,341	$	8,355	$	4,168	$	8,552	$	919	$	116	$	37,423

(1)

In the provision charged to expense, there was a provision for unfunded commitment liability in the amount of $87 thousand that is not included in the table above for the year ended December 31, 2024.


	Year Ended December 31, 2023
	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	$	5,694	$	5,127	$	4,028	$	3,059	$	3,997	$	1,293	$	136	$	23,334
Impact of adopting ASU 2016-13		458		421		1,952		2,145		1,451		(683)		13		5,757
Purchased credit-deteriorated gross up		117		2,535		166		25		27		28		—		2,898
Charged-off loans and leases		—		—		(9)		—		(584)		(345)		(425)		(1,363)
Recoveries of charge-offs		—		6		53		25		396		—		205		685
Provision charged to expense ⁽¹⁾		577		329		1,059		(380)		1,637		347		186		3,755
Ending balance	$	6,846	$	8,418	$	7,249	$	4,874	$	6,924	$	640	$	115	$	35,066

(1)

In the provision charged to expense, there was a provision for unfunded commitment liability in the amount of $726 thousand that is not included in the table above for the year ended December 31, 2023.

Past Due Loans and Leases

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


		December 31, 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		$	—		$	—		$	189		$	189		$	1,196,569	$	1,196,758
Owner occupied			1,150			211			270			1,631			1,021,240		1,022,871
Consumer real estate			1,786			1,725			918			4,429			830,197		834,626
Construction and land development			68			—			—			68			419,108		419,176
Commercial and industrial			1,178			674			1,204			3,056			814,539		817,595
Leases			1,889			73			2,156			4,118			51,304		55,422
Consumer and other			117			3			—			120			17,014		17,134
Total		$	6,188		$	2,686		$	4,737		$	13,611		$	4,349,971	$	4,363,582


		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):


	December 31, 2025
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	413	$	—	$	413
Owner occupied		4,129		—		4,129
Consumer real estate		1,075		—		1,075
Construction and land development		—		—		—
Commercial and industrial		—		3,115		3,115
Leases		—		2,409		2,409
Consumer and other		—		—		—
Total	$	5,617	$	5,524	$	11,141

	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

Schedule of Loan to Directors, Officers and Affiliated Parties

A summary of activity in loans to related parties is as follows (in thousands):


		2025			2024
Balance, beginning of year		$	21,898		$	20,836
Disbursements			17,960			3,619
Repayments			(15,698)			(2,557)
Balance, end of year		$	24,160		$	21,898