Loans (Tables)
|
3 Months Ended |
Mar. 31, 2026 |
|---|
| Loans [Abstract] |
|
| Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans |
Major classifications of loans, net of unearned income, deferred loan origination costs and fees, and net premiums on acquired loans, are summarized as follows:
|
(in thousands)
|
|
March 31
2026
|
|
|
December 31
2025
|
|
|
Hotel/motel
|
|
$
|
507,243 |
|
|
$
|
497,764 |
|
|
Commercial real estate residential
|
|
|
596,948 |
|
|
|
580,652 |
|
|
Commercial real estate nonresidential
|
|
|
994,914 |
|
|
|
959,915 |
|
|
Dealer floorplans
|
|
|
76,888 |
|
|
|
83,812 |
|
|
Commercial other
|
|
|
364,092 |
|
|
|
371,132 |
|
|
Commercial loans
|
|
|
2,540,085 |
|
|
|
2,493,275 |
|
| |
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
1,245,759 |
|
|
|
1,206,820 |
|
|
Home equity lines
|
|
|
191,178 |
|
|
|
186,798 |
|
|
Residential loans
|
|
|
1,436,937 |
|
|
|
1,393,618 |
|
| |
|
|
|
|
|
|
|
|
|
Consumer direct
|
|
|
139,819 |
|
|
|
145,591 |
|
|
Consumer indirect
|
|
|
873,980 |
|
|
|
862,458 |
|
|
Consumer loans
|
|
|
1,013,799 |
|
|
|
1,008,049 |
|
| |
|
|
|
|
|
|
|
|
|
Net loans
|
|
$
|
4,990,821 |
|
|
$
|
4,894,942 |
|
|
| Activity in ACL |
The following tables present the activity in the ACL for loans for the three months ended March 31, 2026 and 2025.
| |
|
Three Months Ended
March 31, 2026
|
|
|
(in thousands)
|
|
Beginning
Balance
|
|
|
Provision
Charged to
Expense
|
|
|
Losses
Charged
Off
|
|
|
Recoveries
|
|
|
Ending
Balance
|
|
|
% of
Total
ACL
|
|
|
ACL
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Hotel/motel
|
|
$
|
6,902 |
|
|
$
|
(125 |
)
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
6,777 |
|
|
|
11.1 |
%
|
|
Commercial real estate residential
|
|
|
6,397 |
|
|
|
71 |
|
|
|
(7 |
)
|
|
|
5 |
|
|
|
6,466 |
|
|
|
10.5 |
|
|
Commercial real estate nonresidential
|
|
|
11,630 |
|
|
|
548 |
|
|
|
(74 |
)
|
|
|
3 |
|
|
|
12,107 |
|
|
|
19.7 |
|
|
Dealer floorplans
|
|
|
798 |
|
|
|
39 |
|
|
|
0 |
|
|
|
0 |
|
|
|
837 |
|
|
|
1.4 |
|
|
Commercial other
|
|
|
3,620 |
|
|
|
729 |
|
|
|
(552 |
)
|
|
|
119 |
|
|
|
3,916 |
|
|
|
6.4 |
|
|
Real estate mortgage
|
|
|
14,047 |
|
|
|
820 |
|
|
|
(189 |
)
|
|
|
9 |
|
|
|
14,687 |
|
|
|
23.9 |
|
|
Home equity
|
|
|
1,276 |
|
|
|
38 |
|
|
|
(14 |
)
|
|
|
1 |
|
|
|
1,301 |
|
|
|
2.1 |
|
|
Consumer direct
|
|
|
1,971 |
|
|
|
(38 |
)
|
|
|
(225 |
)
|
|
|
106 |
|
|
|
1,814 |
|
|
|
3.0 |
|
|
Consumer indirect
|
|
|
13,528 |
|
|
|
388 |
|
|
|
(1,625 |
)
|
|
|
1,125 |
|
|
|
13,416 |
|
|
|
21.9 |
|
|
Total ACL
|
|
$
|
60,169 |
|
|
$
|
2,470 |
|
|
$
|
(2,686 |
)
|
|
$
|
1,368 |
|
|
$
|
61,321 |
|
|
|
100 |
%
|
| |
|
Three Months Ended
March 31, 2025
|
|
|
(in thousands)
|
|
Beginning
Balance
|
|
|
Provision
Charged to
Expense
|
|
|
Losses
Charged
Off
|
|
|
Recoveries
|
|
|
Ending
Balance
|
|
|
% of
Total
ACL
|
|
|
ACL
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Hotel/motel
|
|
$
|
5,208 |
|
|
$
|
386 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
5,594 |
|
|
|
9.8 |
%
|
|
Commercial real estate residential
|
|
|
5,467 |
|
|
|
605 |
|
|
|
(18 |
)
|
|
|
5 |
|
|
|
6,059 |
|
|
|
10.7 |
|
|
Commercial real estate nonresidential
|
|
|
10,307 |
|
|
|
1,072 |
|
|
|
(2 |
)
|
|
|
4 |
|
|
|
11,381 |
|
|
|
20.0 |
|
|
Dealer floorplans
|
|
|
682 |
|
|
|
(131 |
)
|
|
|
0 |
|
|
|
0 |
|
|
|
551 |
|
|
|
1.0 |
|
|
Commercial other
|
|
|
3,832 |
|
|
|
428 |
|
|
|
(404 |
)
|
|
|
80 |
|
|
|
3,936 |
|
|
|
6.9 |
|
|
Real estate mortgage
|
|
|
12,504 |
|
|
|
(116 |
)
|
|
|
(78 |
)
|
|
|
12 |
|
|
|
12,322 |
|
|
|
21.6 |
|
|
Home equity
|
|
|
1,499 |
|
|
|
(199 |
)
|
|
|
0 |
|
|
|
9 |
|
|
|
1,309 |
|
|
|
2.3 |
|
|
Consumer direct
|
|
|
2,221 |
|
|
|
93 |
|
|
|
(268 |
)
|
|
|
81 |
|
|
|
2,127 |
|
|
|
3.7 |
|
|
Consumer indirect
|
|
|
13,248 |
|
|
|
1,430 |
|
|
|
(1,952 |
)
|
|
|
956 |
|
|
|
13,682 |
|
|
|
24.0 |
|
|
Total ACL
|
|
$
|
54,968 |
|
|
$
|
3,568 |
|
|
$
|
(2,722 |
)
|
|
$
|
1,147 |
|
|
$
|
56,961 |
|
|
|
100 |
%
|
|
| Unfunded Commitment Off Balance Sheet Credit Exposure |
The total unfunded commitment off-balance sheet credit exposure at March 31, 2026 and 2025 is presented below.
| |
|
Three Months Ended
March 31, 2026
|
|
|
(in thousands)
|
|
Beginning
Balance
|
|
|
Provision
Charged to
Expense
|
|
|
Losses
Charged Off
|
|
|
Recoveries
|
|
|
Ending
Balance
|
|
|
ACL for unfunded commitments:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
$
|
950 |
|
|
$
|
(118 |
)
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
832 |
|
|
Real estate mortgage
|
|
|
298 |
|
|
|
(38 |
)
|
|
|
0 |
|
|
|
0 |
|
|
|
260 |
|
|
Consumer
|
|
|
21 |
|
|
|
(3 |
)
|
|
|
0 |
|
|
|
0 |
|
|
|
18 |
|
|
Total unfunded commitment off-balance sheet credit exposure
|
|
$
|
1,269 |
|
|
$
|
(159 |
)
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
1,110 |
|
| |
|
Three Months Ended
March 31, 2025
|
|
|
(in thousands)
|
|
Beginning
Balance
|
|
|
Provision
Charged to
Expense
|
|
|
Losses
Charged Off
|
|
|
Recoveries
|
|
|
Ending
Balance
|
|
|
ACL for unfunded commitments:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
$
|
1,071 |
|
|
$
|
124 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
1,195 |
|
|
Real estate mortgage
|
|
|
372 |
|
|
|
(45 |
)
|
|
|
0 |
|
|
|
0 |
|
|
|
327 |
|
|
Consumer
|
|
|
22 |
|
|
|
1 |
|
|
|
0 |
|
|
|
0 |
|
|
|
23 |
|
|
Total unfunded commitment off-balance sheet credit exposure
|
|
$
|
1,465 |
|
|
$
|
80 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
1,545 |
|
|
| Nonaccrual Loans and Accruing Loans 90 Days Past Due Segregated by Loan Segment |
Nonaccrual loans and loans 90 days past due and still accruing, segregated by loan segment, as of March 31, 2026 and December 31, 2025 were as follows:
| |
|
March 31, 2026
|
|
|
(in thousands)
|
|
Nonaccrual Loans
with No ACL
|
|
|
Nonaccrual Loans
with ACL
|
|
|
90+ and Still
Accruing
|
|
|
Total
Nonperforming
Loans
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate residential
|
|
$
|
0 |
|
|
$
|
901 |
|
|
$
|
2,282 |
|
|
$
|
3,183 |
|
|
Commercial real estate nonresidential
|
|
|
160 |
|
|
|
3,985 |
|
|
|
1,187 |
|
|
|
5,332 |
|
|
Commercial other
|
|
|
0 |
|
|
|
1,704 |
|
|
|
184 |
|
|
|
1,888 |
|
|
Total commercial loans
|
|
|
160 |
|
|
|
6,590 |
|
|
|
3,653 |
|
|
|
10,403 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
0 |
|
|
|
4,079 |
|
|
|
4,808 |
|
|
|
8,887 |
|
|
Home equity lines
|
|
|
0 |
|
|
|
303 |
|
|
|
711 |
|
|
|
1,014 |
|
|
Total residential loans
|
|
|
0 |
|
|
|
4,382 |
|
|
|
5,519 |
|
|
|
9,901 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer direct
|
|
|
0 |
|
|
|
0 |
|
|
|
56 |
|
|
|
56 |
|
|
Consumer indirect
|
|
|
0 |
|
|
|
0 |
|
|
|
371 |
|
|
|
371 |
|
|
Total consumer loans
|
|
|
0 |
|
|
|
0 |
|
|
|
427 |
|
|
|
427 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and lease financing
|
|
$
|
160 |
|
|
$
|
10,972 |
|
|
$
|
9,599 |
|
|
$
|
20,731 |
|
| |
|
December 31, 2025
|
|
|
(in thousands)
|
|
Nonaccrual Loans
with No ACL
|
|
|
Nonaccrual Loans
with ACL
|
|
|
90+ and Still
Accruing
|
|
|
Total
Nonperforming
Loans
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate residential
|
|
$
|
0 |
|
|
$
|
867 |
|
|
$
|
2,085 |
|
|
$
|
2,952 |
|
|
Commercial real estate nonresidential
|
|
|
86 |
|
|
|
2,972 |
|
|
|
1,187 |
|
|
|
4,245 |
|
|
Commercial other
|
|
|
26 |
|
|
|
896 |
|
|
|
901 |
|
|
|
1,823 |
|
|
Total commercial loans
|
|
|
112 |
|
|
|
4,735 |
|
|
|
4,173 |
|
|
|
9,020 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
0 |
|
|
|
3,429 |
|
|
|
5,098 |
|
|
|
8,527 |
|
|
Home equity lines
|
|
|
0 |
|
|
|
263 |
|
|
|
624 |
|
|
|
887 |
|
|
Total residential loans
|
|
|
0 |
|
|
|
3,692 |
|
|
|
5,722 |
|
|
|
9,414 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer direct
|
|
|
0 |
|
|
|
0 |
|
|
|
51 |
|
|
|
51 |
|
|
Consumer indirect
|
|
|
0 |
|
|
|
0 |
|
|
|
677 |
|
|
|
677 |
|
|
Total consumer loans
|
|
|
0 |
|
|
|
0 |
|
|
|
728 |
|
|
|
728 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and lease financing
|
|
$
|
112 |
|
|
$
|
8,427 |
|
|
$
|
10,623 |
|
|
$
|
19,162 |
|
|
| Bank's Loan Portfolio Aging Analysis, Segregated by Loan Segment |
The following tables present CTBI’s loan portfolio aging analysis, segregated by loan segment, as of March 31, 2026 and December 31, 2025 (including loans 90 days past due and still accruing):
| |
|
March 31, 2026
|
|
|
(in thousands)
|
|
30-59 Days
Past Due
|
|
|
60-89
Days Past
Due
|
|
|
90+ Days
Past Due
|
|
|
Total
Past Due
|
|
|
Current
|
|
|
Total Loans
|
|
|
Hotel/motel
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
507,243 |
|
|
$
|
507,243 |
|
|
Commercial real estate residential
|
|
|
625 |
|
|
|
40 |
|
|
|
2,458 |
|
|
|
3,123 |
|
|
|
593,825 |
|
|
|
596,948 |
|
|
Commercial real estate nonresidential
|
|
|
1,328 |
|
|
|
522 |
|
|
|
4,043 |
|
|
|
5,893 |
|
|
|
989,021 |
|
|
|
994,914 |
|
|
Dealer floorplans
|
|
|
0
|
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
76,888 |
|
|
|
76,888 |
|
|
Commercial other
|
|
|
881 |
|
|
|
8,674 |
|
|
|
1,215 |
|
|
|
10,770 |
|
|
|
353,322 |
|
|
|
364,092 |
|
|
Total commercial loans
|
|
|
2,834 |
|
|
|
9,236 |
|
|
|
7,716 |
|
|
|
19,786 |
|
|
|
2,520,299 |
|
|
|
2,540,085 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
1,293 |
|
|
|
4,242 |
|
|
|
8,084 |
|
|
|
13,619 |
|
|
|
1,232,140 |
|
|
|
1,245,759 |
|
|
Home equity lines
|
|
|
1,390 |
|
|
|
613 |
|
|
|
810 |
|
|
|
2,813 |
|
|
|
188,365 |
|
|
|
191,178 |
|
|
Total residential loans
|
|
|
2,683 |
|
|
|
4,855 |
|
|
|
8,894 |
|
|
|
16,432 |
|
|
|
1,420,505 |
|
|
|
1,436,937 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer direct
|
|
|
992 |
|
|
|
280 |
|
|
|
56 |
|
|
|
1,328 |
|
|
|
138,491 |
|
|
|
139,819 |
|
|
Consumer indirect
|
|
|
3,379 |
|
|
|
1,019 |
|
|
|
371 |
|
|
|
4,769 |
|
|
|
869,211 |
|
|
|
873,980 |
|
|
Total consumer loans
|
|
|
4,371 |
|
|
|
1,299 |
|
|
|
427 |
|
|
|
6,097 |
|
|
|
1,007,702 |
|
|
|
1,013,799 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and lease financing
|
|
$
|
9,888 |
|
|
$
|
15,390 |
|
|
$
|
17,037 |
|
|
$
|
42,315 |
|
|
$
|
4,948,506 |
|
|
$
|
4,990,821 |
|
| |
|
December 31, 2025
|
|
|
(in thousands)
|
|
30-59 Days
Past Due
|
|
|
60-89
Days Past
Due
|
|
|
90+ Days
Past Due
|
|
|
Total
Past Due
|
|
|
Current
|
|
|
Total Loans
|
|
|
Hotel/motel
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
497,764 |
|
|
$
|
497,764 |
|
|
Commercial real estate residential
|
|
|
216 |
|
|
|
282 |
|
|
|
2,262 |
|
|
|
2,760 |
|
|
|
577,892 |
|
|
|
580,652 |
|
|
Commercial real estate nonresidential
|
|
|
2,010 |
|
|
|
2,814 |
|
|
|
4,005 |
|
|
|
8,829 |
|
|
|
951,086 |
|
|
|
959,915 |
|
|
Dealer floorplans
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
83,812 |
|
|
|
83,812 |
|
|
Commercial other
|
|
|
830 |
|
|
|
87 |
|
|
|
1,548 |
|
|
|
2,465 |
|
|
|
368,667 |
|
|
|
371,132 |
|
|
Total commercial loans
|
|
|
3,056 |
|
|
|
3,183 |
|
|
|
7,815 |
|
|
|
14,054 |
|
|
|
2,479,221 |
|
|
|
2,493,275 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
2,543 |
|
|
|
4,063 |
|
|
|
7,594 |
|
|
|
14,200 |
|
|
|
1,192,620 |
|
|
|
1,206,820 |
|
|
Home equity lines
|
|
|
1,435 |
|
|
|
451 |
|
|
|
644 |
|
|
|
2,530 |
|
|
|
184,268 |
|
|
|
186,798 |
|
|
Total residential loans
|
|
|
3,978 |
|
|
|
4,514 |
|
|
|
8,238 |
|
|
|
16,730 |
|
|
|
1,376,888 |
|
|
|
1,393,618 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer direct
|
|
|
1,203 |
|
|
|
377 |
|
|
|
51 |
|
|
|
1,631 |
|
|
|
143,960 |
|
|
|
145,591 |
|
|
Consumer indirect
|
|
|
3,767 |
|
|
|
962 |
|
|
|
677 |
|
|
|
5,406 |
|
|
|
857,052 |
|
|
|
862,458 |
|
|
Total consumer loans
|
|
|
4,970 |
|
|
|
1,339 |
|
|
|
728 |
|
|
|
7,037 |
|
|
|
1,001,012 |
|
|
|
1,008,049 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and lease financing
|
|
$
|
12,004 |
|
|
$
|
9,036 |
|
|
$
|
16,781 |
|
|
$
|
37,821 |
|
|
$
|
4,857,121 |
|
|
$
|
4,894,942 |
|
|
| Credit Risk Profile of the Bank's Commercial Loan Portfolio Based on Rating Category and Payment Activity, Segregated by Loan Segment |
The following tables present the credit risk profile of CTBI’s commercial loan portfolio based on rating category and payment activity, segregated by loan segment and based on last credit decision or year of origination:
| Term Loans Amortized Cost Basis by Origination Year As of March 31, 2026 |
|
(in thousands)
|
|
2026
|
|
|
2025
|
|
|
2024
|
|
|
2023
|
|
|
2022
|
|
|
Prior
|
|
|
Revolving
Loans
|
|
|
Total
|
|
|
Hotel/motel
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
$
|
18,749 |
|
|
$
|
83,364 |
|
|
$
|
58,515 |
|
|
$
|
79,283 |
|
|
$
|
110,250 |
|
|
$
|
107,846 |
|
|
$
|
5,972 |
|
|
$
|
463,979 |
|
|
Watch
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
2,001 |
|
|
|
18,575 |
|
|
|
11,760 |
|
|
|
0 |
|
|
|
32,336 |
|
|
OAEM
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
6,368 |
|
|
|
0 |
|
|
|
6,368 |
|
|
Substandard
|
|
|
0 |
|
|
|
0 |
|
|
|
738 |
|
|
|
0 |
|
|
|
3,822 |
|
|
|
0 |
|
|
|
0 |
|
|
|
4,560 |
|
|
Doubtful
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
Total hotel/motel
|
|
|
18,749 |
|
|
|
83,364 |
|
|
|
59,253 |
|
|
|
81,284 |
|
|
|
132,647 |
|
|
|
125,974 |
|
|
|
5,972 |
|
|
|
507,243 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Hotel/motel year-to-date gross charge-offs
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate residential
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
|
28,177 |
|
|
|
165,263 |
|
|
|
100,546 |
|
|
|
92,479 |
|
|
|
62,955 |
|
|
|
89,753 |
|
|
|
27,720 |
|
|
|
566,893 |
|
|
Watch
|
|
|
4,403 |
|
|
|
3,249 |
|
|
|
917 |
|
|
|
3,998 |
|
|
|
357 |
|
|
|
8,715 |
|
|
|
185 |
|
|
|
21,824 |
|
|
OAEM
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
189 |
|
|
|
0 |
|
|
|
50 |
|
|
|
0 |
|
|
|
239 |
|
|
Substandard
|
|
|
725 |
|
|
|
985 |
|
|
|
482 |
|
|
|
487 |
|
|
|
597 |
|
|
|
4,666 |
|
|
|
50 |
|
|
|
7,992 |
|
|
Doubtful
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
Total commercial real estate residential
|
|
|
33,305 |
|
|
|
169,497 |
|
|
|
101,945 |
|
|
|
97,153 |
|
|
|
63,909 |
|
|
|
103,184 |
|
|
|
27,955 |
|
|
|
596,948 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate residential year-to-date gross charge-offs
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(7 |
)
|
|
|
0 |
|
|
|
(7 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate nonresidential
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
|
89,434 |
|
|
|
182,002 |
|
|
|
129,136 |
|
|
|
93,669 |
|
|
|
103,439 |
|
|
|
258,352 |
|
|
|
53,816 |
|
|
|
909,848 |
|
|
Watch
|
|
|
802 |
|
|
|
3,288 |
|
|
|
6,907 |
|
|
|
11,902 |
|
|
|
6,198 |
|
|
|
25,519 |
|
|
|
807 |
|
|
|
55,423 |
|
|
OAEM
|
|
|
0 |
|
|
|
0 |
|
|
|
99 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
99 |
|
|
Substandard
|
|
|
2,503 |
|
|
|
1,338 |
|
|
|
1,200 |
|
|
|
2,155 |
|
|
|
2,425 |
|
|
|
19,922 |
|
|
|
0 |
|
|
|
29,543 |
|
|
Doubtful
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
1 |
|
|
|
0 |
|
|
|
1 |
|
|
Total commercial real estate nonresidential
|
|
|
92,739 |
|
|
|
186,628 |
|
|
|
137,342 |
|
|
|
107,726 |
|
|
|
112,062 |
|
|
|
303,794 |
|
|
|
54,623 |
|
|
|
994,914 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate nonresidential year-to-date gross charge-offs
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(74 |
)
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(74 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Dealer floorplans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
65,434 |
|
|
|
65,434 |
|
|
Watch
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
11,454 |
|
|
|
11,454 |
|
|
OAEM
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
Substandard
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
Doubtful
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
Total dealer floorplans
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
76,888 |
|
|
|
76,888 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Dealer floorplans year-to-date gross charge-offs
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial other
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
|
34,819 |
|
|
|
82,172 |
|
|
|
22,944 |
|
|
|
31,143 |
|
|
|
27,783 |
|
|
|
39,204 |
|
|
|
82,194 |
|
|
|
320,259 |
|
|
Watch
|
|
|
86 |
|
|
|
1,417 |
|
|
|
1,015 |
|
|
|
696 |
|
|
|
366 |
|
|
|
590 |
|
|
|
5,075 |
|
|
|
9,245 |
|
|
OAEM
|
|
|
27 |
|
|
|
0 |
|
|
|
110 |
|
|
|
0 |
|
|
|
0 |
|
|
|
7,763 |
|
|
|
0 |
|
|
|
7,900 |
|
|
Substandard
|
|
|
992 |
|
|
|
10,521 |
|
|
|
1,092 |
|
|
|
3,084 |
|
|
|
478 |
|
|
|
378 |
|
|
|
10,036 |
|
|
|
26,581 |
|
|
Doubtful
|
|
|
0 |
|
|
|
107 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
107 |
|
|
Total commercial other
|
|
|
35,924 |
|
|
|
94,217 |
|
|
|
25,161 |
|
|
|
34,923 |
|
|
|
28,627 |
|
|
|
47,935 |
|
|
|
97,305 |
|
|
|
364,092 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial other year-to-date gross charge-offs
|
|
|
(204 |
)
|
|
|
(194 |
)
|
|
|
(119 |
)
|
|
|
0 |
|
|
|
(22 |
)
|
|
|
(13 |
)
|
|
|
0 |
|
|
|
(552 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
|
171,179 |
|
|
|
512,801 |
|
|
|
311,141 |
|
|
|
296,574 |
|
|
|
304,427 |
|
|
|
495,155 |
|
|
|
235,136 |
|
|
|
2,326,413 |
|
|
Watch
|
|
|
5,291 |
|
|
|
7,954 |
|
|
|
8,839 |
|
|
|
18,597 |
|
|
|
25,496 |
|
|
|
46,584 |
|
|
|
17,521 |
|
|
|
130,282 |
|
|
OAEM
|
|
|
27 |
|
|
|
0 |
|
|
|
209 |
|
|
|
189 |
|
|
|
0 |
|
|
|
14,181 |
|
|
|
0 |
|
|
|
14,606 |
|
|
Substandard
|
|
|
4,220 |
|
|
|
12,844 |
|
|
|
3,512 |
|
|
|
5,726 |
|
|
|
7,322 |
|
|
|
24,966 |
|
|
|
10,086 |
|
|
|
68,676 |
|
|
Doubtful
|
|
|
0 |
|
|
|
107 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
1 |
|
|
|
0 |
|
|
|
108 |
|
|
Total commercial loans
|
|
$
|
180,717 |
|
|
$
|
533,706 |
|
|
$
|
323,701 |
|
|
$
|
321,086 |
|
|
$
|
337,245 |
|
|
$
|
580,887 |
|
|
$
|
262,743 |
|
|
$
|
2,540,085 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial loans year-to-date gross charge-offs
|
|
$
|
(204 |
)
|
|
$
|
(194 |
)
|
|
$
|
(119 |
)
|
|
$
|
(74 |
)
|
|
$
|
(22 |
)
|
|
$
|
(20 |
)
|
|
$
|
0 |
|
|
$
|
(633 |
)
|
Term Loans Amortized Cost Basis by Origination Year As of December 31, 2025
|
(in thousands)
|
|
2025
|
|
|
2024
|
|
|
2023
|
|
|
2022
|
|
|
2021
|
|
|
Prior
|
|
|
Revolving
Loans
|
|
|
Total
|
|
|
Hotel/motel
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
$
|
83,005 |
|
|
$
|
58,850 |
|
|
$
|
79,857 |
|
|
$
|
116,984 |
|
|
$
|
24,564 |
|
|
$
|
86,215 |
|
|
$
|
5,604 |
|
|
$
|
455,079 |
|
|
Watch
|
|
|
0 |
|
|
|
0 |
|
|
|
2,010 |
|
|
|
18,679 |
|
|
|
0 |
|
|
|
11,022 |
|
|
|
0 |
|
|
|
31,711 |
|
|
OAEM
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
6,403 |
|
|
|
0 |
|
|
|
0 |
|
|
|
6,403 |
|
|
Substandard
|
|
|
0 |
|
|
|
748 |
|
|
|
0 |
|
|
|
3,823 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
4,571 |
|
|
Doubtful
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
Total hotel/motel
|
|
|
83,005 |
|
|
|
59,598 |
|
|
|
81,867 |
|
|
|
139,486 |
|
|
|
30,967 |
|
|
|
97,237 |
|
|
|
5,604 |
|
|
|
497,764 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Hotel/motel year-to-date gross charge-offs
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate residential
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
|
174,717 |
|
|
|
100,517 |
|
|
|
91,321 |
|
|
|
63,970 |
|
|
|
50,454 |
|
|
|
44,689 |
|
|
|
22,447 |
|
|
|
548,115 |
|
|
Watch
|
|
|
9,182 |
|
|
|
937 |
|
|
|
4,018 |
|
|
|
489 |
|
|
|
3,543 |
|
|
|
5,512 |
|
|
|
174 |
|
|
|
23,855 |
|
|
OAEM
|
|
|
0 |
|
|
|
0 |
|
|
|
192 |
|
|
|
0 |
|
|
|
0 |
|
|
|
52 |
|
|
|
0 |
|
|
|
244 |
|
|
Substandard
|
|
|
2,074 |
|
|
|
511 |
|
|
|
490 |
|
|
|
598 |
|
|
|
1,835 |
|
|
|
2,881 |
|
|
|
49 |
|
|
|
8,438 |
|
|
Doubtful
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
Total commercial real estate residential
|
|
|
185,973 |
|
|
|
101,965 |
|
|
|
96,021 |
|
|
|
65,057 |
|
|
|
55,832 |
|
|
|
53,134 |
|
|
|
22,670 |
|
|
|
580,652 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate residential year-to-date gross charge-offs
|
|
|
(160 |
)
|
|
|
(18 |
)
|
|
|
(125 |
)
|
|
|
0 |
|
|
|
0 |
|
|
|
(16 |
)
|
|
|
0 |
|
|
|
(319 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate nonresidential
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
|
180,461 |
|
|
|
163,870 |
|
|
|
98,249 |
|
|
|
106,344 |
|
|
|
99,628 |
|
|
|
169,989 |
|
|
|
55,839 |
|
|
|
874,380 |
|
|
Watch
|
|
|
3,840 |
|
|
|
6,849 |
|
|
|
12,112 |
|
|
|
6,839 |
|
|
|
17,310 |
|
|
|
10,136 |
|
|
|
1,011 |
|
|
|
58,097 |
|
|
OAEM
|
|
|
0 |
|
|
|
99 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
99 |
|
|
Substandard
|
|
|
3,889 |
|
|
|
431 |
|
|
|
2,127 |
|
|
|
2,390 |
|
|
|
2,379 |
|
|
|
16,122 |
|
|
|
0 |
|
|
|
27,338 |
|
|
Doubtful
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
1 |
|
|
|
0 |
|
|
|
1 |
|
|
Total commercial real estate nonresidential
|
|
|
188,190 |
|
|
|
171,249 |
|
|
|
112,488 |
|
|
|
115,573 |
|
|
|
119,317 |
|
|
|
196,248 |
|
|
|
56,850 |
|
|
|
959,915 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate nonresidential year-to-date gross charge-offs
|
|
|
0 |
|
|
|
(1,375 |
)
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(2 |
)
|
|
|
0 |
|
|
|
(1,377 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Dealer floorplans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
73,240 |
|
|
|
73,240 |
|
|
Watch
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
10,293 |
|
|
|
10,293 |
|
|
OAEM
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
Substandard
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
279 |
|
|
|
279 |
|
|
Doubtful
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
Total dealer floorplans
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
83,812 |
|
|
|
83,812 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Dealer floorplans year-to-date gross charge-offs
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial other
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
|
97,104 |
|
|
|
37,248 |
|
|
|
35,594 |
|
|
|
29,023 |
|
|
|
21,350 |
|
|
|
19,299 |
|
|
|
86,954 |
|
|
|
326,572 |
|
|
Watch
|
|
|
1,713 |
|
|
|
1,017 |
|
|
|
813 |
|
|
|
515 |
|
|
|
149 |
|
|
|
419 |
|
|
|
14,035 |
|
|
|
18,661 |
|
|
OAEM
|
|
|
0 |
|
|
|
0 |
|
|
|
82 |
|
|
|
0 |
|
|
|
7,892 |
|
|
|
18 |
|
|
|
0 |
|
|
|
7,992 |
|
|
Substandard
|
|
|
11,973 |
|
|
|
1,219 |
|
|
|
3,071 |
|
|
|
466 |
|
|
|
94 |
|
|
|
320 |
|
|
|
657 |
|
|
|
17,800 |
|
|
Doubtful
|
|
|
107 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
107 |
|
|
Total commercial other
|
|
|
110,897 |
|
|
|
39,484 |
|
|
|
39,560 |
|
|
|
30,004 |
|
|
|
29,485 |
|
|
|
20,056 |
|
|
|
101,646 |
|
|
|
371,132 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial other year-to-date gross charge-offs
|
|
|
(892 |
)
|
|
|
(106 |
)
|
|
|
(260 |
)
|
|
|
(6 |
)
|
|
|
(268 |
)
|
|
|
(145 |
)
|
|
|
0 |
|
|
|
(1,677 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk rating:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
|
535,287 |
|
|
|
360,485 |
|
|
|
305,021 |
|
|
|
316,321 |
|
|
|
195,996 |
|
|
|
320,192 |
|
|
|
244,084 |
|
|
|
2,277,386 |
|
|
Watch
|
|
|
14,735 |
|
|
|
8,803 |
|
|
|
18,953 |
|
|
|
26,522 |
|
|
|
21,002 |
|
|
|
27,089 |
|
|
|
25,513 |
|
|
|
142,617 |
|
|
OAEM
|
|
|
0 |
|
|
|
99 |
|
|
|
274 |
|
|
|
0 |
|
|
|
14,295 |
|
|
|
70 |
|
|
|
0 |
|
|
|
14,738 |
|
|
Substandard
|
|
|
17,936 |
|
|
|
2,909 |
|
|
|
5,688 |
|
|
|
7,277 |
|
|
|
4,308 |
|
|
|
19,323 |
|
|
|
985 |
|
|
|
58,426 |
|
|
Doubtful
|
|
|
107 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
1 |
|
|
|
0 |
|
|
|
108 |
|
|
Total commercial loans
|
|
$
|
568,065 |
|
|
$
|
372,296 |
|
|
$
|
329,936 |
|
|
$
|
350,120 |
|
|
$
|
235,601 |
|
|
$
|
366,675 |
|
|
$
|
270,582 |
|
|
$
|
2,493,275 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial loans year-to-date gross charge-offs
|
|
$
|
(1,052 |
)
|
|
$
|
(1,499 |
)
|
|
$
|
(385 |
)
|
|
$
|
(6 |
)
|
|
$
|
(268 |
)
|
|
$
|
(163 |
)
|
|
$
|
0 |
|
|
$
|
(3,373 |
)
|
|
| Credit Risk Profile of Residential Real Estate and Consumer Loan Portfolio Based on Performing and Nonperforming Status Segregated by Loan Segment |
The following tables present the credit risk profile of CTBI’s residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by loan segment:
| Term Loans Amortized Cost Basis by Origination Year As of March 31, 2026 |
|
(in thousands)
|
|
2026
|
|
|
2025
|
|
|
2024
|
|
|
2023
|
|
|
2022
|
|
|
Prior
|
|
|
Revolving
Loans
|
|
|
Total
|
|
|
Home equity lines
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
5,962 |
|
|
$
|
184,202 |
|
|
$
|
190,164 |
|
|
Nonperforming
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
269 |
|
|
|
745 |
|
|
|
1,014 |
|
|
Total home equity lines
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
6,231 |
|
|
|
184,947 |
|
|
|
191,178 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Home equity year-to-date gross charge-offs
|
|
|
0 |
|
|
|
0 |
|
|
|
(11 |
)
|
|
|
0 |
|
|
|
0 |
|
|
|
(3 |
)
|
|
|
0 |
|
|
|
(14 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
|
71,821 |
|
|
|
292,148 |
|
|
|
168,501 |
|
|
|
161,566 |
|
|
|
120,684 |
|
|
|
422,152 |
|
|
|
0 |
|
|
|
1,236,872 |
|
|
Nonperforming
|
|
|
41 |
|
|
|
1,440 |
|
|
|
990 |
|
|
|
1,429 |
|
|
|
1,603 |
|
|
|
3,384 |
|
|
|
0 |
|
|
|
8,887 |
|
|
Total mortgage loans
|
|
|
71,862 |
|
|
|
293,588 |
|
|
|
169,491 |
|
|
|
162,995 |
|
|
|
122,287 |
|
|
|
425,536 |
|
|
|
0 |
|
|
|
1,245,759 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage loans year-to-date gross charge-offs
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(108 |
)
|
|
|
(74 |
)
|
|
|
(7 |
)
|
|
|
0 |
|
|
|
(189 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
|
71,821 |
|
|
|
292,148 |
|
|
|
168,501 |
|
|
|
161,566 |
|
|
|
120,684 |
|
|
|
428,114 |
|
|
|
184,202 |
|
|
|
1,427,036 |
|
|
Nonperforming
|
|
|
41 |
|
|
|
1,440 |
|
|
|
990 |
|
|
|
1,429 |
|
|
|
1,603 |
|
|
|
3,653 |
|
|
|
745 |
|
|
|
9,901 |
|
|
Total residential loans
|
|
$
|
71,862 |
|
|
$
|
293,588 |
|
|
$
|
169,491 |
|
|
$
|
162,995 |
|
|
$
|
122,287 |
|
|
$
|
431,767 |
|
|
$
|
184,947 |
|
|
$
|
1,436,937 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total residential loans year-to-date gross charge-offs
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
(11 |
)
|
|
$
|
(108 |
)
|
|
$
|
(74 |
)
|
|
$
|
(10 |
)
|
|
$
|
0 |
|
|
$
|
(203 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer direct loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
$
|
13,881 |
|
|
$
|
45,063 |
|
|
$
|
25,136 |
|
|
$
|
19,021 |
|
|
$
|
11,255 |
|
|
$
|
25,407 |
|
|
$
|
0 |
|
|
$
|
139,763 |
|
|
Nonperforming
|
|
|
0 |
|
|
|
43 |
|
|
|
8 |
|
|
|
5 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
56 |
|
|
Total consumer direct loans
|
|
|
13,881 |
|
|
|
45,106 |
|
|
|
25,144 |
|
|
|
19,026 |
|
|
|
11,255 |
|
|
|
25,407 |
|
|
|
0 |
|
|
|
139,819 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer direct loans year-to-date gross charge-offs
|
|
|
0 |
|
|
|
(75 |
)
|
|
|
(67 |
)
|
|
|
(54 |
)
|
|
|
(14 |
)
|
|
|
(15 |
)
|
|
|
0 |
|
|
|
(225 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer indirect loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
|
112,121 |
|
|
|
321,663 |
|
|
|
196,327 |
|
|
|
133,420 |
|
|
|
76,001 |
|
|
|
34,077 |
|
|
|
0 |
|
|
|
873,609 |
|
|
Nonperforming
|
|
|
0 |
|
|
|
83 |
|
|
|
54 |
|
|
|
129 |
|
|
|
88 |
|
|
|
17 |
|
|
|
0 |
|
|
|
371 |
|
|
Total consumer indirect loans
|
|
|
112,121 |
|
|
|
321,746 |
|
|
|
196,381 |
|
|
|
133,549 |
|
|
|
76,089 |
|
|
|
34,094 |
|
|
|
0 |
|
|
|
873,980 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer indirect loans year-to-date gross charge-offs
|
|
|
0 |
|
|
|
(222 |
)
|
|
|
(307 |
)
|
|
|
(482 |
)
|
|
|
(440 |
)
|
|
|
(174 |
)
|
|
|
0 |
|
|
|
(1,625 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
|
126,002 |
|
|
|
366,726 |
|
|
|
221,463 |
|
|
|
152,441 |
|
|
|
87,256 |
|
|
|
59,484 |
|
|
|
0 |
|
|
|
1,013,372 |
|
|
Nonperforming
|
|
|
0 |
|
|
|
126 |
|
|
|
62 |
|
|
|
134 |
|
|
|
88 |
|
|
|
17 |
|
|
|
0 |
|
|
|
427 |
|
|
Total consumer loans
|
|
$
|
126,002 |
|
|
$
|
366,852 |
|
|
$
|
221,525 |
|
|
$
|
152,575 |
|
|
$
|
87,344 |
|
|
$
|
59,501 |
|
|
$
|
0 |
|
|
$
|
1,013,799 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total consumer loans year-to-date gross charge-offs
|
|
$
|
0 |
|
|
$
|
(297 |
)
|
|
$
|
(374 |
)
|
|
$
|
(536 |
)
|
|
$
|
(454 |
)
|
|
$
|
(189 |
)
|
|
$
|
0 |
|
|
$
|
(1,850 |
)
|
Term Loans Amortized Cost Basis by Origination Year As of December 31, 2025
|
(in thousands)
|
|
2025
|
|
|
2024
|
|
|
2023
|
|
|
2022
|
|
|
2021
|
|
|
Prior
|
|
|
Revolving
Loans
|
|
|
Total
|
|
|
Home equity lines
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
5,744 |
|
|
$
|
180,167 |
|
|
$
|
185,911 |
|
|
Nonperforming
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
221 |
|
|
|
666 |
|
|
|
887 |
|
|
Total home equity lines
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
5,965 |
|
|
|
180,833 |
|
|
|
186,798 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Home equity year-to-date gross charge-offs
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(9 |
)
|
|
|
0 |
|
|
|
(9 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
|
299,236 |
|
|
|
173,336 |
|
|
|
168,206 |
|
|
|
123,839 |
|
|
|
132,923 |
|
|
|
300,753 |
|
|
|
0 |
|
|
|
1,198,293 |
|
|
Nonperforming
|
|
|
708 |
|
|
|
1,387 |
|
|
|
1,213 |
|
|
|
1,905 |
|
|
|
547 |
|
|
|
2,767 |
|
|
|
0 |
|
|
|
8,527 |
|
|
Total mortgage loans
|
|
|
299,944 |
|
|
|
174,723 |
|
|
|
169,419 |
|
|
|
125,744 |
|
|
|
133,470 |
|
|
|
303,520 |
|
|
|
0 |
|
|
|
1,206,820 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage loans year-to-date gross charge-offs
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(37 |
)
|
|
|
(16 |
)
|
|
|
(189 |
)
|
|
|
0 |
|
|
|
(242 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
|
299,236 |
|
|
|
173,336 |
|
|
|
168,206 |
|
|
|
123,839 |
|
|
|
132,923 |
|
|
|
306,497 |
|
|
|
180,167 |
|
|
|
1,384,204 |
|
|
Nonperforming
|
|
|
708 |
|
|
|
1,387 |
|
|
|
1,213 |
|
|
|
1,905 |
|
|
|
547 |
|
|
|
2,988 |
|
|
|
666 |
|
|
|
9,414 |
|
|
Total residential loans
|
|
$
|
299,944 |
|
|
$
|
174,723 |
|
|
$
|
169,419 |
|
|
$
|
125,744 |
|
|
$
|
133,470 |
|
|
$
|
309,485 |
|
|
$
|
180,833 |
|
|
$
|
1,393,618 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total residential loans year-to-date gross charge-offs
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
0 |
|
|
$
|
(37 |
)
|
|
$
|
(16 |
)
|
|
$
|
(198 |
)
|
|
$
|
0 |
|
|
$
|
(251 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer direct loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
$
|
54,669 |
|
|
$
|
28,377 |
|
|
$
|
21,704 |
|
|
$
|
12,833 |
|
|
$
|
11,667 |
|
|
$
|
16,290 |
|
|
$
|
0 |
|
|
$
|
145,540 |
|
|
Nonperforming
|
|
|
22 |
|
|
|
0 |
|
|
|
29 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
51 |
|
|
Total consumer direct loans
|
|
|
54,691 |
|
|
|
28,377 |
|
|
|
21,733 |
|
|
|
12,833 |
|
|
|
11,667 |
|
|
|
16,290 |
|
|
|
0 |
|
|
|
145,591 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer direct loans year-to-date gross charge-offs
|
|
|
(69 |
)
|
|
|
(291 |
)
|
|
|
(292 |
)
|
|
|
(202 |
)
|
|
|
(55 |
)
|
|
|
(60 |
)
|
|
|
0 |
|
|
|
(969 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer indirect loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
|
356,525 |
|
|
|
219,121 |
|
|
|
151,128 |
|
|
|
90,077 |
|
|
|
30,999 |
|
|
|
13,931 |
|
|
|
0 |
|
|
|
861,781 |
|
|
Nonperforming
|
|
|
83 |
|
|
|
104 |
|
|
|
233 |
|
|
|
122 |
|
|
|
107 |
|
|
|
28 |
|
|
|
0 |
|
|
|
677 |
|
|
Total consumer indirect loans
|
|
|
356,608 |
|
|
|
219,225 |
|
|
|
151,361 |
|
|
|
90,199 |
|
|
|
31,106 |
|
|
|
13,959 |
|
|
|
0 |
|
|
|
862,458 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer indirect loans year-to-date gross charge-offs
|
|
|
(245 |
)
|
|
|
(1,563 |
)
|
|
|
(3,283 |
)
|
|
|
(1,849 |
)
|
|
|
(503 |
)
|
|
|
(260 |
)
|
|
|
0 |
|
|
|
(7,703 |
)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
|
411,194 |
|
|
|
247,498 |
|
|
|
172,832 |
|
|
|
102,910 |
|
|
|
42,666 |
|
|
|
30,221 |
|
|
|
0 |
|
|
|
1,007,321 |
|
|
Nonperforming
|
|
|
105 |
|
|
|
104 |
|
|
|
262 |
|
|
|
122 |
|
|
|
107 |
|
|
|
28 |
|
|
|
0 |
|
|
|
728 |
|
|
Total consumer loans
|
|
$
|
411,299 |
|
|
$
|
247,602 |
|
|
$
|
173,094 |
|
|
$
|
103,032 |
|
|
$
|
42,773 |
|
|
$
|
30,249 |
|
|
$
|
0 |
|
|
$
|
1,008,049 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total consumer loans year-to-date gross charge-offs
|
|
$
|
(314 |
)
|
|
$
|
(1,854 |
)
|
|
$
|
(3,575 |
)
|
|
$
|
(2,051 |
)
|
|
$
|
(558 |
)
|
|
$
|
(320 |
)
|
|
$
|
0 |
|
|
$
|
(8,672 |
)
|
|
| Collateral Dependent Loans Evaluated Individually by Segment |
If a loan does not share risk characteristics with other pooled loans in determining the ACL, the loan is evaluated for expected credit losses on an individual basis. Of the loans that CTBI has individually evaluated, the loans listed below by segment are those that are collateral dependent:
| |
|
March 31, 2026
|
|
|
(in thousands)
|
|
Number of
Loans
|
|
|
Recorded
Investment
|
|
|
Specific
Reserve
|
|
|
Hotel/motel
|
|
|
2 |
|
|
$
|
9,826 |
|
|
$
|
0 |
|
|
Commercial real estate residential
|
|
|
1 |
|
|
|
1,521 |
|
|
|
0 |
|
|
Commercial real estate nonresidential
|
|
|
7 |
|
|
|
18,422 |
|
|
|
725 |
|
|
Commercial other
|
|
|
6 |
|
|
|
27,854 |
|
|
|
0 |
|
|
Total collateral dependent loans
|
|
|
16 |
|
|
$
|
57,623 |
|
|
$
|
725 |
|
| |
|
December 31, 2025
|
|
|
(in thousands)
|
|
Number of
Loans
|
|
|
Recorded
Investment
|
|
|
Specific
Reserve
|
|
|
Hotel/motel
|
|
|
2 |
|
|
$
|
9,861 |
|
|
$
|
0 |
|
|
Commercial real estate residential
|
|
|
1 |
|
|
|
1,521 |
|
|
|
0 |
|
|
Commercial real estate nonresidential
|
|
|
6 |
|
|
|
17,094 |
|
|
|
725 |
|
|
Commercial other
|
|
|
4 |
|
|
|
19,191 |
|
|
|
0 |
|
|
Total collateral dependent loans
|
|
|
13 |
|
|
$
|
47,667 |
|
|
$
|
725 |
|
|
| Modified Loans Segregated by Loan Segment and Concession Granted |
Certain loans have been modified where the customer is facing financial difficulty and economic concessions were granted to borrowers, consisting of reductions in the interest rates, payment extensions, forgiveness of principal, and forbearances. These loans, segregated by loan segment and concession granted, are presented below for the quarter ended March 31, 2026:
| |
|
Amortized Cost at March 31, 2026
|
|
|
(in thousands)
|
|
Interest Rate
Reduction
|
|
|
% of total
|
|
|
Term Extension
|
|
|
% of total
|
|
|
Commercial real estate residential
|
|
$
|
0 |
|
|
|
0.00 |
%
|
|
$
|
29 |
|
|
|
0.00 |
%
|
|
Commercial real estate nonresidential
|
|
|
7,254 |
|
|
|
0.73 |
|
|
|
0 |
|
|
|
0.00 |
|
|
Commercial other
|
|
|
0 |
|
|
|
0.00 |
|
|
|
215 |
|
|
|
0.06 |
|
|
Commercial loans
|
|
|
7,254 |
|
|
|
0.29 |
|
|
|
244 |
|
|
|
0.01 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
1,121 |
|
|
|
0.09 |
|
|
|
2,137 |
|
|
|
0.17 |
|
|
Residential loans
|
|
|
1,121 |
|
|
|
0.08 |
|
|
|
2,137 |
|
|
|
0.15 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer indirect
|
|
|
0 |
|
|
|
0.00 |
|
|
|
83 |
|
|
|
0.01 |
|
|
Consumer loans
|
|
|
0 |
|
|
|
|
|
|
|
83 |
|
|
|
0.01 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and lease financing
|
|
$
|
8,375 |
|
|
|
0.17 |
%
|
|
$
|
2,464 |
|
|
|
0.05 |
%
|
| |
|
Amortized Cost at March 31, 2026
|
|
|
(in thousands)
|
|
Combination –
Term Extension
and Interest Rate
Reduction
|
|
|
% of total
|
|
|
Payment Change
|
|
|
% of total
|
|
|
Commercial real estate residential
|
|
$
|
0 |
|
|
|
0.00 |
%
|
|
$
|
208 |
|
|
|
0.03 |
%
|
|
Commercial real estate nonresidential
|
|
|
0 |
|
|
|
0.00 |
|
|
|
2,373 |
|
|
|
0.24 |
|
|
Commercial other
|
|
|
27 |
|
|
|
0.01 |
|
|
|
124 |
|
|
|
0.03 |
|
|
Commercial loans
|
|
|
27 |
|
|
|
0.00 |
|
|
|
2,705 |
|
|
|
0.11 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
98 |
|
|
|
0.01 |
|
|
|
0 |
|
|
|
0.00 |
|
|
Home equity lines
|
|
|
15 |
|
|
|
0.01 |
|
|
|
0 |
|
|
|
0.00 |
|
|
Residential loans
|
|
|
113 |
|
|
|
0.01 |
|
|
|
0 |
|
|
|
0.00 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and lease financing
|
|
$
|
140 |
|
|
|
0.00 |
%
|
|
$
|
2,705 |
|
|
|
0.05 |
%
|
| |
|
Amortized Cost at March 31,
2026
|
|
|
(in thousands)
|
|
Combination –
Term Extension
and Payment
Change
|
|
|
% of total
|
|
|
Commercial real estate nonresidential
|
|
$
|
60 |
|
|
|
0.01 |
%
|
|
Commercial loans
|
|
|
60 |
|
|
|
0.00 |
|
| |
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
21 |
|
|
|
0.00 |
|
|
Residential loans
|
|
|
21 |
|
|
|
0.00 |
|
| |
|
|
|
|
|
|
|
|
|
Consumer indirect
|
|
|
33 |
|
|
|
0.00 |
|
|
Consumer loans
|
|
|
33 |
|
|
|
0.00 |
|
| |
|
|
|
|
|
|
|
|
|
Loans and lease financing
|
|
$
|
114 |
|
|
|
0.00 |
%
|
These loans, segregated by loan segment and concession granted, are presented below for the three months ended March 31, 2025:
| |
|
Amortized Cost at March 31, 2025
|
|
|
(in thousands)
|
|
Interest Rate
Reduction
|
|
|
% of total
|
|
|
Term Extension
|
|
|
% of total
|
|
|
Commercial real estate nonresidential
|
|
$
|
129 |
|
|
|
0.01 |
%
|
|
$
|
2,558 |
|
|
|
0.28 |
%
|
|
Commercial other
|
|
|
0 |
|
|
|
0.00 |
|
|
|
985 |
|
|
|
0.27 |
|
|
Commercial loans
|
|
|
129 |
|
|
|
0.01 |
|
|
|
3,543 |
|
|
|
0.15 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
321 |
|
|
|
0.03 |
|
|
|
2,908 |
|
|
|
0.27 |
|
|
Home equity lines
|
|
|
0 |
|
|
|
0.00 |
|
|
|
216 |
|
|
|
0.13 |
|
|
Residential loans
|
|
|
321 |
|
|
|
0.03 |
|
|
|
3,124 |
|
|
|
0.25 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer direct
|
|
|
0 |
|
|
|
0.00 |
|
|
|
48 |
|
|
|
0.03 |
|
|
Consumer indirect
|
|
|
0 |
|
|
|
0.00 |
|
|
|
203 |
|
|
|
0.02 |
|
|
Consumer loans
|
|
|
0 |
|
|
|
0.00 |
|
|
|
251 |
|
|
|
0.02 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and lease financing
|
|
$
|
450 |
|
|
|
0.01 |
%
|
|
$
|
6,918 |
|
|
|
0.15 |
%
|
| |
|
Amortized Cost at March 31, 2025
|
|
|
(in thousands)
|
|
Combination –
Term Extension
and Interest Rate
Reduction
|
|
|
% of total
|
|
|
Payment Change
|
|
|
% of total
|
|
|
Commercial real estate residential
|
|
$
|
460 |
|
|
|
0.09 |
%
|
|
$
|
250 |
|
|
|
0.05 |
%
|
|
Commercial real estate nonresidential
|
|
|
0 |
|
|
|
0.00 |
|
|
|
261 |
|
|
|
0.03 |
|
|
Commercial other
|
|
|
401 |
|
|
|
0.11 |
|
|
|
496 |
|
|
|
0.14 |
|
|
Commercial loans
|
|
|
861 |
|
|
|
0.04 |
|
|
|
1,007 |
|
|
|
0.04 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
54 |
|
|
|
0.01 |
|
|
|
0 |
|
|
|
0.00 |
|
|
Residential loans
|
|
|
54 |
|
|
|
0.00 |
|
|
|
0 |
|
|
|
0.00 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer indirect
|
|
|
0 |
|
|
|
0.00 |
|
|
|
106 |
|
|
|
0.01 |
|
|
Consumer loans
|
|
|
0 |
|
|
|
0.00 |
|
|
|
106 |
|
|
|
0.01 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and lease financing
|
|
$
|
915 |
|
|
|
0.02 |
%
|
|
$
|
1,113 |
|
|
|
0.02 |
%
|
|
| Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty |
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the quarter ended March 31, 2026:
|
Loan Type
|
Interest Rate Reduction
Financial Impact
|
Term Extension
Financial Impact
|
|
Commercial real estate residential
|
|
Added a weighted-average 1.0 years to life of the loans |
| |
|
|
|
Commercial real estate nonresidential
|
Increased weighted-average contractual interest rate from 2.0% to 2.5% |
|
| |
|
|
|
Commercial other
|
|
Added a weighted-average 0.9 years to life of the loans |
| |
|
|
|
Real estate mortgage
|
Reduced weighted-average contractual interest rate from 5.4% to 3.1% |
Added a weighted-average 0.4 years to life of the loans |
| |
|
|
|
Consumer indirect
|
|
Added a weighted-average 0.7 years to life of the loans |
|
Loan Type
|
Combination – Term Extension and
Interest Rate Reduction
Financial Impact
|
|
Payment Changes
Financial Impact
|
|
Commercial real estate residential
|
|
|
Provided payment changes that will be added to the end of the original loan term.
|
| |
|
|
|
|
Commercial real estate nonresidential
|
|
|
Provided payment changes that will be added to the end of the original loan term.
|
| |
|
|
|
|
Commercial other
|
Reduced weighted-average contractual interest rate from 11.3% to 9.5% and increased the weighted-average life by 2.4 years |
|
Provided payment changes that will be added to the end of the original loan term.
|
| |
|
|
|
|
Real estate mortgage
|
Reduced weighted-average contractual interest rate from 3.1% to 3.0% and increased the weighted-average life by 4.2 years |
|
|
| |
|
|
|
|
Home equity lines
|
Weighted-average contractual interest rate remained at 6.8% and increased the weighted-average life by 7.1 years |
|
|
|
Loan Type
|
Combination – Term Extension and Payment Change
Financial Impact
|
|
Commercial real estate nonresidential
|
Added a weighted-average 0.3 years to life of the loans and provided payment changes with any deferred payments added to the end of the loan term. |
| |
|
|
Real estate mortgage
|
Added a weighted-average 5.0 years to life of the loans and provided payment changes with any deferred payments added to the end of the loan term. |
| |
|
|
Consumer indirect
|
Added a weighted-average 2.1 years to life of the loans and provided payment changes with any deferred payments added to the end of the loan term. |
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended March 31, 2025:
|
Loan Type
|
Interest Rate Reduction
Financial Impact
|
|
Term Extension
Financial Impact
|
|
Commercial real estate residential
|
Weighted-average contractual interest rate remained at 9.5% |
|
|
| |
|
|
|
|
Commercial real estate nonresidential
|
|
|
Added a weighted-average 1.2 years to life of the loans |
| |
|
|
|
|
Commercial other
|
|
|
Added a weighted-average 4.8 years to life of the loans |
| |
|
|
|
|
Real estate mortgage
|
Reduced weighted-average contractual interest rate from 7.8% to 4.5% |
|
Added a weighted-average 0.4 years to life of the loans |
| |
|
|
|
|
Home equity lines
|
|
|
Added a weighted-average 2.1 years to life of the loans |
| |
|
|
|
|
Consumer direct
|
|
|
Added a weighted-average 0.1 years to life of the loans |
| |
|
|
|
|
Consumer indirect
|
|
|
Added a weighted-average 1.0 years to life of the loans |
|
Loan Type
|
Combination – Term Extension and
Interest Rate Reduction
Financial Impact
|
|
Payment Changes
Financial Impact
|
|
Commercial real estate residential
|
Reduced weighted-average contractual interest rate from 8.9% to 7.5% and increased the weighted-average life by 12.2 years |
|
Provided payment changes that will be added to the end of the original loan term
|
| |
|
|
|
|
Commercial real estate nonresidential
|
|
|
Provided payment changes that will be added to the end of the original loan term
|
| |
|
|
|
|
Commercial other
|
Increased weighted-average contractual interest rate from 5.1% to 8.0% and increased the weighted-average life by 9.6 years |
|
Provided payment changes that will be added to the end of the original loan term
|
| |
|
|
|
|
Real estate mortgage
|
Reduced weighted-average contractual interest rate from 6.0% to 3.0% and increased the weighted-average life by 1.8 years |
|
|
| |
|
|
|
|
Consumer indirect
|
|
|
Provided payment changes that will be added to the end of the original loan term
|
|
| Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty |
The table below represents the payment status of loans to borrowers experiencing financial difficulty for the past 12 months as of March 31, 2026.
| |
|
Past Due Status (Amortized Cost Basis)
|
|
|
(in thousands)
|
|
Current
|
|
|
30-89 Days
|
|
|
90+ Days
|
|
|
Nonaccrual
|
|
|
Commercial real estate residential
|
|
$
|
1,231 |
|
|
$
|
0 |
|
|
$
|
50 |
|
|
$
|
0 |
|
|
Commercial real estate nonresidential
|
|
|
10,603 |
|
|
|
118 |
|
|
|
0 |
|
|
|
0 |
|
|
Commercial other
|
|
|
1,044 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
Real estate mortgage
|
|
|
12,014 |
|
|
|
834 |
|
|
|
465 |
|
|
|
82 |
|
|
Home equity lines
|
|
|
504 |
|
|
|
13 |
|
|
|
0 |
|
|
|
159 |
|
|
Consumer direct
|
|
|
18 |
|
|
|
5 |
|
|
|
0 |
|
|
|
0 |
|
|
Consumer indirect
|
|
|
497 |
|
|
|
28 |
|
|
|
0 |
|
|
|
0 |
|
|
Loans to borrowers experiencing financial difficulty
|
|
$
|
25,911 |
|
|
$
|
998 |
|
|
$
|
515 |
|
|
$
|
241 |
|
|
| Loans to Borrowers Experiencing Financial Difficulty That Subsequently Defaulted |
The allowance for credit losses may be increased, adjustments may be made in the allocation of the allowance, or partial charge-offs may be taken to further write-down the carrying value of the loan. During the quarter ended March 31, 2026, there were three loans to borrowers experiencing financial difficulty that subsequently defaulted. CTBI considers a loan in default when it is 90 days or more past due or transferred to nonaccrual. Presented below, segregated by segment, are loans to borrowers experiencing financial difficulty for which there was a payment default during the periods indicated and such default was within 12 months of the loan modification.
| |
|
Three Months Ended
March 31, 2026
|
|
|
(in thousands)
|
|
Number of Loans
|
|
|
Recorded Balance
|
|
|
Commercial:
|
|
|
|
|
|
|
|
Commercial real estate residential
|
|
|
1 |
|
|
$
|
50 |
|
|
Residential:
|
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
2 |
|
|
|
124 |
|
|
Loans to borrowers experiencing financial difficulty
|
|
|
3 |
|
|
$
|
174 |
|
| |
|
Three Months Ended
March 31, 2025
|
|
|
(in thousands)
|
|
Number of Loans
|
|
|
Recorded Balance
|
|
|
Commercial:
|
|
|
|
|
|
|
|
Commercial real estate residential
|
|
|
1 |
|
|
$
|
18 |
|
|
Commercial real estate nonresidential
|
|
|
1 |
|
|
|
45 |
|
|
Commercial other
|
|
|
1 |
|
|
|
243 |
|
|
Residential:
|
|
|
|
|
|
|
|
|
|
Real estate mortgage
|
|
|
5 |
|
|
|
362 |
|
|
Loans to borrowers experiencing financial difficulty
|
|
|
8 |
|
|
$
|
668 |
|
|