Allowance for Credit Losses

3 Months Ended

Mar. 31, 2026

3. Allowance for Credit Losses

The following table presents the activity of the allowance for credit losses by portfolio segment for the three months ended March 31.


Allowance for Credit Losses:				March 31, 2026
(Dollar amounts in thousands)		Commercial		Residential		Consumer		Unallocated		Total
Beginning balance		$	18,805	$	16,620	$	12,348	$	222	$	47,995
Initial allowance on acquired loans			502		2,722		96		—		3,320
Provision for credit losses			477		174		1,992		(93)		2,550
Loans charged-off			(174)		(65)		(2,706)		—		(2,945)
Recoveries			140		87		1,191		—		1,418
Ending Balance		$	19,750	$	19,538	$	12,921	$	129	$	52,338


Allowance for Credit Losses:					March 31, 2025
(Dollar amounts in thousands)		Commercial			Residential		Consumer		Unallocated			Total
Beginning balance		$	16,963		$	17,470	$	12,046	$	253		$	46,732
Provision for credit losses			775			(540)		1,959		(244)			1,950
Loans charged-off			(490)			(108)		(2,643)		—			(3,241)
Recoveries			277			143		974		—			1,394
Ending Balance		$	17,525		$	16,965	$	12,336	$	9		$	46,835

The tables below present the recorded investment in non-performing loans by class of loans.


		March 31, 2026
		Loans Past				Nonaccrual
		Due Over				With No
		90 Days				Allowance
		and Greater
(Dollar amounts in thousands)		Still Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial		$	127	$	5,684	$	—
Farmland			—		—		—
Non Farm, Non Residential			—		16,699		13,376
Agriculture			318		1,337		—
All Other Commercial			—		191		143
Residential
First Liens			104		984		—
Home Equity			138		465		—
Junior Liens			263		180		—
Multifamily			—		508		453
All Other Residential			—		—		—
Consumer
Motor Vehicle			22		2,428		—
All Other Consumer			—		183		—
TOTAL		$	972	$	28,659	$	13,972


		December 31, 2025
		Loans Past				Nonaccrual
		Due Over				With No
		90 Days				Allowance
		and Greater
(Dollar amounts in thousands)		Still Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial		$	51	$	6,058	$	394
Farmland			—		—		—
Non Farm, Non Residential			—		15,365		13,126
Agriculture			—		1,218		—
All Other Commercial			—		195		143
Residential
First Liens			606		918		82
Home Equity			178		442		—
Junior Liens			232		81		—
Multifamily			47		517		205
All Other Residential			—		39		20
Consumer
Motor Vehicle			—		2,449		—
All Other Consumer			—		213		—
TOTAL		$	1,114	$	27,495	$	13,970

The following tables present the amortized cost basis of collateral dependent loans by class of loans:


		March 31, 2026
		Collateral Type
(Dollar amounts in thousands)		Real Estate		Other
Commercial
Commercial & Industrial		$	3,527	$	5,965
Farmland			48		—
Non Farm, Non Residential			17,866		—
Agriculture			—		1,334
All Other Commercial			143		—
Residential
First Liens			2,963		—
Home Equity			255		—
Junior Liens			402		—
Multifamily			453		—
All Other Residential			16		—
Consumer
Motor Vehicle			—		—
All Other Consumer			—		—
Total		$	25,673	$	7,299


	December 31, 2025
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	3,644	$	5,666
Farmland		48		—
Non Farm, Non Residential		17,572		—
Agriculture		—		829
All Other Commercial		143		—
Residential
First Liens		82		—
Home Equity		—		—
Junior Liens		—		—
Multifamily		205		—
All Other Residential		20		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	21,714	$	6,495

The following tables presents the aging of the recorded investment in loans by past due category and class of loans.


		March 31, 2026
						90 Days
		30-59 Days		60-89 Days		and Greater		Total
(Dollar amounts in thousands)		Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial		$	646	$	647	$	1,407	$	2,700	$	644,066	$	646,766
Farmland			180		214		—		394		133,864		134,258
Non Farm, Non Residential			14,651		87		79		14,817		1,155,018		1,169,835
Agriculture			238		—		1,262		1,500		120,170		121,670
All Other Commercial			—		—		162		162		351,099		351,261
Residential
First Liens			5,799		3,169		398		9,366		549,392		558,758
Home Equity			1,053		264		646		1,963		141,803		143,766
Junior Liens			633		229		311		1,173		75,488		76,661
Multifamily			154		1		278		433		489,265		489,698
All Other Residential			96		—		—		96		37,897		37,993
Consumer
Motor Vehicle			4,931		979		666		6,576		671,186		677,762
All Other Consumer			385		75		50		510		28,127		28,637
TOTAL		$	28,766	$	5,665	$	5,259	$	39,690	$	4,397,375	$	4,437,065


		December 31, 2025
						90 Days
		30-59 Days		60-89 Days		and Greater		Total
(Dollar amounts in thousands)		Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial		$	883	$	3,937	$	1,640	$	6,460	$	642,454	$	648,914
Farmland			320		—		—		320		128,663		128,983
Non Farm, Non Residential			1,060		1,772		85		2,917		910,280		913,197
Agriculture			63		71		343		477		141,341		141,818
All Other Commercial			17		—		175		192		556,861		557,053
Residential
First Liens			3,852		1,151		779		5,782		444,131		449,913
Home Equity			618		234		566		1,418		105,700		107,118
Junior Liens			403		126		266		795		71,989		72,784
Multifamily			187		265		68		520		331,317		331,837
All Other Residential			26		—		24		50		28,936		28,986
Consumer
Motor Vehicle			7,186		1,457		629		9,272		653,385		662,657
All Other Consumer			392		103		68		563		28,056		28,619
TOTAL		$	15,007	$	9,116	$	4,643	$	28,766	$	4,043,113	$	4,071,879

Loan Modifications Made to Borrowers Experiencing Financial Difficulty:

Modification of the terms of such loans typically include one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.

The following table presents the amortized cost of loans and leases at March 31, 2026 that were both experiencing financial difficulty and modified during the twelve months ended March 31, 2026, by class and by type of modification. The percentage of the amortized cost of loans and leases that were modified to borrowers in financial distress as compared to the amortized cost of each class of financial receivable is also presented below.



											Combination		Combination
											Term		Term		Total
											Extension and		Extension		Class of
		Principal		Payment		Term		Interest Rate			Principal		Interest Rate		Financing
(Dollar amounts in thousands)		Forgiveness		Delay		Extension		Reduction		Forgiveness		Reduction		Receivable
Residential
First Liens		$	—	$	—	$	12	$	103	$	—	$	50		0.03	%
Junior Liens			—		—		14		—		—		52		0.09	%
All Other Residential			—		—		—		—		—		74		0.20	%
Consumer
Motor Vehicle			15		—		5		—		229		49		0.04	%
TOTAL		$	15	$	—	$	31	$	103	$	229	$	225		0.01	%

The Corporation has no commitments to lend additional amounts to the borrowers included in the table above.

The Corporation closely monitors the performance of loans and leases that have been modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of such loans that have been modified in the last twelve months:


		March 31, 2026

		30 - 59		60 - 89		Greater Than
		Days		Days		89 Days		Total
(Dollar amounts in thousands)		Past Due		Past Due		Past Due		Past Due

Residential
First Liens		$	103	$	—	$	—	$	103
Consumer
Motor Vehicle		$	18	$	—	$	—	$	18
TOTAL		$	121	$	—	$	—	$	121

The following table presents the financial effect of loan and lease modifications presented above to borrowers experiencing financial difficulty for the twelve months ended March 31, 2026.


				Weighted-			Weighted-
				Average			Average
		Principal		Interest Rate			Term
(Dollar amounts in thousands)		Forgiveness		Reduction			Extension
Residential
First Liens		$	—		1.53	%		100
Junior Liens			—		1.25	%		99
All Other Residential			—		0.63	%		180
Consumer
Motor Vehicle			107		1.27	%		22
TOTAL		$	107		1.25	%		72

The following table presents the amortized cost basis of loans that had a payment default during the twelve months ended March 31, 2026 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty. A loan is considered to be in payment default once it is 30 days contractually past due under the modified terms.



		Principal		Payment		Term		Interest Rate
(Dollar amounts in thousands)		Forgiveness		Delay		Extension		Reduction

Residential
First Liens		$	—	$	—	$	—	$	103
Consumer
Motor Vehicle			18		—		18		—
TOTAL		$	18	$	—	$	18	$	103

Upon the Corporation’s determination that a modified loan has subsequently been deemed uncollectible, the loan is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.

Credit Quality Indicators:

The Corporation categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Corporation analyzes loans individually by classifying the loans as to credit risk. This analysis includes non-homogeneous loans, such as commercial loans, with an outstanding balance greater than $250 thousand. Any consumer loans outstanding to a borrower who had commercial loans analyzed will be similarly risk rated. This analysis is performed on a quarterly basis. The Corporation uses the following definitions for risk ratings:

Special Mention: Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.

Substandard: Loans classified as substandard are inadequately protected by the current net worth and debt service capacity of the borrower or of any pledged collateral. These loans have a well-defined weakness or weaknesses which have clearly jeopardized repayment of principal and interest as originally intended. They are characterized by the distinct possibility that the institution will sustain some future loss if the deficiencies are not corrected.

Doubtful: Loans classified as doubtful have all the weaknesses inherent in those graded substandard, with the added characteristic that the severity of the weaknesses makes collection or liquidation in full highly questionable or improbable based upon currently existing facts, conditions, and values.

Furthermore, non-homogeneous loans which were not individually analyzed, but are 90+ days past due or on non-accrual are classified as substandard. Loans included in homogeneous pools, such as residential or consumer may be classified as substandard due to 90+ days delinquency, non-accrual status, bankruptcy, or loan restructuring.

The following tables present the commercial loan portfolio by risk category. These balances do not include accrued interest:


		March 31, 2026
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2026		2025		2024		2023		2022		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	32,340	$	73,976	$	68,693	$	29,830	$	87,896	$	158,351	$	161,619	$	612,705
	Special Mention		3,132		1,979		1,154		277		413		4,784		3,243	$	14,982
	Substandard		—		99		15		25		1,007		7,981		4,541	$	13,668
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		152		1,405		972		425		201		130		—	$	3,285
	Subtotal	$	35,624	$	77,459	$	70,834	$	30,557	$	89,517	$	171,246	$	169,403	$	644,640

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	1	$	-	$	1

Farmland	Pass	$	3,962	$	19,258	$	9,588	$	17,674	$	14,254	$	61,932	$	315	$	126,983
	Special Mention		—		749		1,357		478		81		1,978		—	$	4,643
	Substandard		—		—		—		—		48		280		—	$	328
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		6		—	$	6
	Subtotal	$	3,962	$	20,007	$	10,945	$	18,152	$	14,383	$	64,196	$	315	$	131,960

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Non Farm, Non Residential	Pass	$	41,575	$	194,778	$	201,574	$	123,729	$	174,132	$	384,102	$	11,995	$	1,131,885
	Special Mention		—		—		8,329		—		900		2,114		—	$	11,343
	Substandard		—		—		—		—		1,907		20,381		—	$	22,288
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		701		—	$	701
	Subtotal	$	41,575	$	194,778	$	209,903	$	123,729	$	176,939	$	407,298	$	11,995	$	1,166,217

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Agriculture	Pass	$	1,813	$	9,515	$	9,470	$	4,937	$	3,832	$	19,694	$	53,283	$	102,544
	Special Mention		—		—		279		676		2,758		1,102		3,767	$	8,582
	Substandard		—		28		296		196		109		4,967		1,798	$	7,394
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		1		—		—		—		—	$	1
	Subtotal	$	1,813	$	9,543	$	10,046	$	5,809	$	6,699	$	25,763	$	58,848	$	118,521

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Other Commercial	Pass	$	19,711	$	109,369	$	42,489	$	13,240	$	66,376	$	88,845	$	7,843	$	347,873
	Special Mention		—		300		561		—		—		—		—	$	861
	Substandard		—		—		—		—		—		743		—	$	743
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		4		170		—	$	174
	Subtotal	$	19,711	$	109,669	$	43,050	$	13,240	$	66,380	$	89,758	$	7,843	$	349,651

	Current period gross charge-offs	$	173	$	-	$	-	$	-	$	-	$	-	$	-	$	173

Residential
Multifamily >5 Residential	Pass	$	3,578	$	54,040	$	134,852	$	80,749	$	69,263	$	124,611	$	235	$	467,328
	Special Mention		6,181		—		—		—		11,956		69		—	$	18,206
	Substandard		—		—		—		—		201		278		—	$	479
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		1,358		—	$	1,358
	Subtotal	$	9,759	$	54,040	$	134,852	$	80,749	$	81,420	$	126,316	$	235	$	487,371

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Total	Pass	$	102,979	$	460,936	$	466,666	$	270,159	$	415,753	$	837,535	$	235,290	$	2,789,318
	Special Mention		9,313		3,028		11,680		1,431		16,108		10,047		7,010	$	58,617
	Substandard		—		127		311		221		3,272		34,630		6,339	$	44,900
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		152		1,405		973		425		205		2,365		—	$	5,525
		$	112,444	$	465,496	$	479,630	$	272,236	$	435,338	$	884,577	$	248,639	$	2,898,360


		December 31, 2025
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2025		2024		2023		2022		2021		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	109,471	$	69,074	$	31,396	$	89,638	$	70,630	$	99,985	$	140,465	$	610,659
	Special Mention		—		6,292		302		1,145		5,347		3,769		2,603	$	19,458
	Substandard		—		11		32		504		1,511		6,737		4,203	$	12,998
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,595		1,061		514		289		115		53		—	$	3,627
	Subtotal	$	111,066	$	76,438	$	32,244	$	91,576	$	77,603	$	110,544	$	147,271	$	646,742

	Current period gross charge-offs	$	81	$	52	$	-	$	86	$	56	$	219	$	-	$	494

Farmland	Pass	$	15,852	$	9,054	$	17,769	$	14,137	$	15,774	$	49,862	$	365	$	122,813
	Special Mention		—		1,145		701		—		—		87		—	$	1,933
	Substandard		—		—		478		—		—		626		—	$	1,104
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		6		—	$	6
	Subtotal	$	15,852	$	10,199	$	18,948	$	14,137	$	15,774	$	50,581	$	365	$	125,856

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Non Farm, Non Residential	Pass	$	156,729	$	157,955	$	90,074	$	153,861	$	138,925	$	170,080	$	9,680	$	877,304
	Special Mention		—		8,350		—		946		—		2,034		—	$	11,330
	Substandard		—		—		—		1,924		15,699		3,382		—	$	21,005
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		697		—	$	697
	Subtotal	$	156,729	$	166,305	$	90,074	$	156,731	$	154,624	$	176,193	$	9,680	$	910,336

	Current period gross charge-offs	$	-	$	-	$	-	$	33	$	-	$	11	$	-	$	44

Agriculture	Pass	$	13,315	$	10,053	$	6,034	$	6,428	$	3,040	$	27,137	$	56,978	$	122,985
	Special Mention		385		84		—		914		141		999		4,298	$	6,821
	Substandard		29		287		207		142		17		4,422		3,865	$	8,969
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		1		—		1		21		—		—	$	23
	Subtotal	$	13,729	$	10,425	$	6,241	$	7,485	$	3,219	$	32,558	$	65,141	$	138,798

	Current period gross charge-offs	$	-	$	4	$	-	$	-	$	-	$	83	$	-	$	87

Other Commercial	Pass	$	95,156	$	87,870	$	62,856	$	90,093	$	70,734	$	136,922	$	7,986	$	551,617
	Special Mention		300		560		—		—		—		—		—	$	860
	Substandard		—		—		—		—		541		213		—	$	754
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		15		—		366		—	$	381
	Subtotal	$	95,456	$	88,430	$	62,856	$	90,108	$	71,275	$	137,501	$	7,986	$	553,612

	Current period gross charge-offs	$	728	$	-	$	-	$	-	$	-	$	-	$	-	$	728

Residential
Multifamily >5 Residential	Pass	$	30,157	$	96,593	$	55,938	$	54,759	$	34,709	$	37,417	$	544	$	310,117
	Special Mention		—		—		—		12,075		—		6,319		—	$	18,394
	Substandard		—		—		—		205		—		280		—	$	485
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		420		953		—	$	1,373
	Subtotal	$	30,157	$	96,593	$	55,938	$	67,039	$	35,129	$	44,969	$	544	$	330,369

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Total	Pass	$	420,680	$	430,599	$	264,067	$	408,916	$	333,812	$	521,403	$	216,018	$	2,595,495
	Special Mention		685		16,431		1,003		15,080		5,488		13,208		6,901	$	58,796
	Substandard		29		298		717		2,775		17,768		15,660		8,068	$	45,315
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,595		1,062		514		305		556		2,075		—	$	6,107
		$	422,989	$	448,390	$	266,301	$	427,076	$	357,624	$	552,346	$	230,987	$	2,705,713

The Corporation evaluates the credit quality of its other loan portfolios, which includes residential real estate, consumer and lease financing loans, based primarily on the aging status of the loan and payment activity. Accordingly, loans on non-accrual status and loans past due 90 days or more and still accruing interest are considered to be nonperforming for purposes of credit quality evaluation. The following table presents the other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming. These balances do not include accrued interest:


		March 31, 2026
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2026		2025		2024		2023		2022		Prior		Loans		Total
Residential
First Liens	Performing	$	25,547	$	83,278	$	85,554	$	54,171	$	79,082	$	223,641	$	2,381	$	553,654
	Non-performing		—		82		1,282		—		508		1,232		—	$	3,104
	Subtotal	$	25,547	$	83,360	$	86,836	$	54,171	$	79,590	$	224,873	$	2,381	$	556,758

	Current period gross charge-offs	$	-	$	9	$	-	$	-	$	-	$	8	$	-	$	17

Home Equity	Performing	$	2,017	$	11,440	$	1,027	$	958	$	678	$	1,769	$	124,577	$	142,466
	Non-performing		—		—		233		—		30		156		394	$	813
	Subtotal	$	2,017	$	11,440	$	1,260	$	958	$	708	$	1,925	$	124,971	$	143,279

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	4	$	-	$	4

Junior Liens	Performing	$	5,987	$	22,893	$	13,674	$	9,291	$	9,290	$	13,083	$	1,855	$	76,073
	Non-performing		—		34		48		103		74		88		—	$	347
	Subtotal	$	5,987	$	22,927	$	13,722	$	9,394	$	9,364	$	13,171	$	1,855	$	76,420

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	6	$	-	$	6

Other Residential	Performing	$	3,414	$	18,149	$	4,369	$	3,004	$	3,451	$	5,199	$	250	$	37,836
	Non-performing		—		—		—		—		—		2		—	$	2
	Subtotal	$	3,414	$	18,149	$	4,369	$	3,004	$	3,451	$	5,201	$	250	$	37,838

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	38	$	-	$	38

Consumer
Motor Vehicle	Performing	$	81,026	$	261,573	$	152,714	$	99,898	$	63,423	$	13,732	$	9	$	672,375
	Non-performing		—		348		584		569		705		253		—	$	2,459
	Subtotal	$	81,026	$	261,921	$	153,298	$	100,467	$	64,128	$	13,985	$	9	$	674,834

	Current period gross charge-offs	$	-	$	629	$	597	$	497	$	668	$	115	$	-	$	2,506

Other Consumer	Performing	$	828	$	4,990	$	4,307	$	2,313	$	1,298	$	1,877	$	12,663	$	28,276
	Non-performing		—		7		59		61		3		39		43	$	212
	Subtotal	$	828	$	4,997	$	4,366	$	2,374	$	1,301	$	1,916	$	12,706	$	28,488

	Current period gross charge-offs	$	-	$	10	$	29	$	5	$	14	$	46	$	96	$	200

Total	Performing	$	118,819	$	402,323	$	261,645	$	169,635	$	157,222	$	259,301	$	141,735	$	1,510,680
	Non-performing		—		471		2,206		733		1,320		1,770		437	$	6,937
Total other loans		$	118,819	$	402,794	$	263,851	$	170,368	$	158,542	$	261,071	$	142,172	$	1,517,617


		December 31, 2025
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2025		2024		2023		2022		2021		Prior		Loans		Total
Residential
First Liens	Performing	$	64,142	$	61,775	$	39,526	$	74,359	$	60,920	$	144,310	$	1,786	$	446,818
	Non-performing		—		70		—		—		45		1,456		—	$	1,571
	Subtotal	$	64,142	$	61,845	$	39,526	$	74,359	$	60,965	$	145,766	$	1,786	$	448,389

	Current period gross charge-offs	$	-	$	33	$	31	$	-	$	-	$	11	$	-	$	75

Home Equity	Performing	$	338	$	938	$	793	$	650	$	259	$	1,284	$	101,907	$	106,169
	Non-performing		—		—		—		33		17		175		393	$	618
	Subtotal	$	338	$	938	$	793	$	683	$	276	$	1,459	$	102,300	$	106,787

	Current period gross charge-offs	$	-	$	-	$	-	$	22	$	-	$	19	$	10	$	51

Junior Liens	Performing	$	23,832	$	13,403	$	9,409	$	9,145	$	4,674	$	9,676	$	2,107	$	72,246
	Non-performing		—		14		152		25		17		99		—	$	307
	Subtotal	$	23,832	$	13,417	$	9,561	$	9,170	$	4,691	$	9,775	$	2,107	$	72,553

	Current period gross charge-offs	$	-	$	30	$	-	$	-	$	-	$	85	$	-	$	115

Other Residential	Performing	$	7,829	$	6,807	$	3,843	$	4,991	$	3,573	$	1,757	$	—	$	28,800
	Non-performing		—		—		—		—		49		8		—	$	57
	Subtotal	$	7,829	$	6,807	$	3,843	$	4,991	$	3,622	$	1,765	$	—	$	28,857

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Consumer
Motor Vehicle	Performing	$	279,286	$	168,244	$	113,956	$	76,182	$	14,119	$	5,441	$	9	$	657,237
	Non-performing		222		519		500		866		194		128		—	$	2,429
	Subtotal	$	279,508	$	168,763	$	114,456	$	77,048	$	14,313	$	5,569	$	9	$	659,666

	Current period gross charge-offs	$	759	$	2,380	$	2,279	$	4,075	$	713	$	249	$	-	$	10,455

Other Consumer	Performing	$	4,776	$	5,276	$	2,726	$	1,503	$	1,137	$	942	$	11,842	$	28,202
	Non-performing		2		67		67		19		35		12		65	$	267
	Subtotal	$	4,778	$	5,343	$	2,793	$	1,522	$	1,172	$	954	$	11,907	$	28,469

	Current period gross charge-offs	$	13	$	246	$	180	$	53	$	44	$	24	$	201	$	761

Total	Performing	$	380,203	$	256,443	$	170,253	$	166,830	$	84,682	$	163,410	$	117,651	$	1,339,472
	Non-performing		224		670		719		943		357		1,878		458	$	5,249
Total other loans		$	380,427	$	257,113	$	170,972	$	167,773	$	85,039	$	165,288	$	118,109	$	1,344,721

The Corporation has purchased loans, for which there was, at acquisition, evidence of more than insignificant deterioration of credit quality since origination. The carrying amount of those loans is as follows:




(Dollar amounts in thousands)	2026		2025

Purchase price of loans at acquisition	$	2,795	$	—
Allowance for credit losses at acquisition		695		—
Non-credit discount at acquisition		226		—
		—		—
Par value of loans at acquisition	$	3,716	$	—