Business Segments as of the Year Ended

December 31, 2025

Dollars in Thousands

Community Banking

Mortgage Banking

Investment Advisory

Other

Eliminations

Consolidated

Interest income

$            46,655

$            -

$                -

$                -

$                  -

$         46,655

Interest expense

13,296

-

-

552

-

13,848

Net interest income

33,359

-

-

(552)

-

32,807

Gains on sales of loans

-

4,853

-

-

-

4,853

Service charges, fees and commissions

4,273

-

-

-

-

4,273

Wealth management fees

19

-

5,328

-

-

5,347

Other noninterest income

1,647

-

-

9,628

(9,896)

1,379

Net revenue

39,298

4,853

5,328

9,076

(9,896)

48,659

Less:

Provision for (recovery of) credit losses

(35)

-

-

-

-

(35)

Noninterest expense:

Salaries and employee benefits

15,947

3,229

1,784

-

-

20,960

Occupancy

2,009

117

130

-

(120)

2,136

Equipment

2,652

60

53

-

-

2,765

Supplies

575

21

35

-

-

631

Professional and other outside expenses

3,785

-

123

207

(148)

3,967

Data processing

2,487

-

-

-

-

2,487

Marketing

799

5

13

50

-

867

Credit expense

222

682

-

-

-

904

Other real estate expenses, net

-

-

-

-

-

-

FDIC insurance expense

518

-

-

-

-

518

Amortization of intangibles

-

-

561

-

-

561

Other (insurance, travel, contributions)

1,586

40

127

-

-

1,753

Total noninterest expense

30,580

4,154

2,826

257

(268)

37,549

Segment income before income taxes

8,753

699

2,502

8,819

(9,628)

11,145

Allocated income tax expense (benefit)

1,518

147

664

(206)

-

2,123

Segment net income

$              7,235

$        552

$         1,838

$         9,025

$          (9,628)

$        9,022

Segment assets at December 31, 2025

$       1,028,122

$     3,472

$         9,611

$     104,196

$      (106,377)

$    1,039,024

Supplemental Data at December 31, 2025:

Total loans held for investment, net

$          661,357

$            -

$                -

$                -

$                  -

$       661,357

Total deposits

940,596

-

-

-

(3,467)

937,129

Assets Under Management

-

-

1,028,928

-

-

1,028,928

Business Segments as of the Year Ended

December 31, 2024

Dollars in Thousands

Community Banking

Mortgage Banking

Investment Advisory

Other

Eliminations

Consolidated

Interest income

$            44,643

$            -

$                -

$                -

$                  -

$         44,643

Interest expense

14,704

-

-

703

-

15,407

Net interest income

29,939

-

-

(703)

-

29,236

Gains on sales of loans

-

4,494

-

-

-

4,494

Service charges, fees and commissions

4,003

-

-

-

-

4,003

Wealth management fees

-

-

4,843

-

-

4,843

Other noninterest income

2,050

-

-

8,579

(8,832)

1,797

Net revenue

35,992

4,494

4,843

7,876

(8,832)

44,373

Less:

Provision for (recovery of) credit losses

(655)

-

-

-

-

(655)

Noninterest expense:

Salaries and employee benefits

14,681

2,876

1,737

-

-

19,294

Occupancy

1,842

114

104

-

(96)

1,964

Equipment

2,406

54

39

-

-

2,499

Supplies

486

20

36

-

-

542

Professional and other outside expenses

3,286

-

112

232

(159)

3,471

Data processing

3,057

-

-

-

-

3,057

Marketing

847

6

11

(96)

-

768

Credit expense

237

579

-

-

-

816

Other real estate expenses, net

-

-

-

-

-

-

FDIC insurance expense

441

-

-

-

-

441

Amortization of intangibles

-

-

560

-

-

560

Other (insurance, travel, contributions)

1,569

18

115

(9)

-

1,693

Total noninterest expense

28,852

3,667

2,714

127

(255)

35,105

Segment income before income taxes

7,795

827

2,129

7,749

(8,577)

9,923

Allocated income tax expense (benefit)

1,449

153

572

(195)

-

1,979

Segment net income

$              6,346

$        674

$         1,557

$         7,944

$          (8,577)

$           7,944

Segment assets at December 31, 2024

$          965,659

$     3,992

$       11,308

$     107,365

$      (109,080)

$       979,244

Supplemental Data at December 31, 2024:

Total loans held for investment, net

$          636,552

$            -

$                -

$                -

$                  -

$       636,552

Total deposits

889,519

-

-

-

(7,115)

882,404

Assets Under Management

-

-

853,977

-

-

853,977