v3.26.1
Allowance for Credit Losses (Tables)
3 Months Ended
Mar. 31, 2026
Allowance for Credit Losses  
Schedule of allowances for loan losses by portfolio segment

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

Schedule of 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

Schedule of loans and leases that were modified and the financial effect of loan and lease modifications

  ​ ​ ​

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

Schedule of performance of loans and leases that have been modified to borrowers experiencing financial difficulty 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.

  ​ ​ ​

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 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

Schedule of amortized cost basis of modified loans that had a payment default after modification in the twelve months prior

  ​ ​ ​

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

Schedule of amortized cost basis of collateral dependent 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

Schedule of 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

Schedule of commercial loan portfolio by risk category

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

  ​ ​ ​

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

Summary of purchased loans, for which there was, at acquisition, evidence of more than insignificant deterioration of credit quality since origination.

(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

$