v3.26.1
Loans
 3 Months Ended
Mar. 31, 2026
Receivables [Abstract]  
Loans Loans
Loans held-for-investment by portfolio type consist of the following as of:
March 31,
2026		December 31,
2025
Commercial and industrial$3,160,777 $2,937,867 
Commercial real estate:
Non-owner occupied778,778 742,002 
Owner occupied694,190 700,774 
Construction and land280,781 268,652 
Multifamily227,980 210,368 
Total commercial real estate1,981,729 1,921,796 
Residential real estate1,216,810 1,221,086 
Public finance494,539 501,582 
Consumer31,875 32,651 
Other54,242 58,198 
Total loans$6,939,972 $6,673,180 
Allowance for credit losses(82,955)(85,016)
Loans, net of allowance for credit losses$6,857,017 $6,588,164 
As of March 31, 2026 and December 31, 2025, we had net deferred fees, costs, premiums and discounts of $17,543 and $13,538, respectively, on our loan portfolio.
Accrued interest receivable on loans totaled $30,909 and $30,031 at March 31, 2026 and December 31, 2025, respectively, and is included in accrued interest receivable in the accompanying consolidated balance sheets.
The following table presents the activity in the allowance for credit losses by portfolio type for the three months ended March 31,:
Commercial
and
Industrial		Commercial
Real
Estate		Residential
Real
Estate		Public
Finance		ConsumerOtherTotal
2026
Allowance for credit losses:
Balance, beginning of period$42,902 $24,408 $13,323 $2,942 $721 $720 $85,016 
Provision (benefit) for credit losses8,423 198 180 (254)(2)(45)8,500 
Loans charged off(10,584)— — — (64)— (10,648)
Recoveries68 — — — 19 — 87 
Balance, end of period$40,809 $24,606 $13,503 $2,688 $674 $675 $82,955 
2025
Allowance for credit losses:
Balance, beginning of period$38,489 $28,323 $15,450 $4,750 $750 $459 $88,221 
Provision (benefit) for credit losses5,434 (1,639)(262)493 98 76 4,200 
Loans charged off(643)— — — (169)— (812)
Recoveries119 — 23 — 39 — 181 
Balance, end of period$43,399 $26,684 $15,211 $5,243 $718 $535 $91,790 
We determine the allowance for credit losses estimate on at least a quarterly basis.
As of March 31, 2026 and December 31, 2025, we had an allowance for credit losses on unfunded commitments of $959 and $1,209, respectively, included in accrued expenses and other liabilities within the consolidated balance sheets. For the three months ended March 31, 2026 and 2025 we recorded a benefit for credit losses on unfunded commitments of $250 and $400, respectively.
The following table presents our loan portfolio aging analysis as of:
Loans
Not
Past Due		Loans
30-59 Days
Past Due		Loans
60-89 Days
Past Due		Loans Greater
than 90 Days
Past Due,
Still Accruing		NonaccrualTotal
March 31, 2026
Commercial and industrial$3,117,069 $11,069 $4,100 $295 $28,244 $3,160,777 
Commercial real estate:
Non-owner occupied774,333 300 — — 4,145 778,778 
Owner occupied690,136 908 1,661 — 1,485 694,190 
Construction and land272,934 7,207 — — 640 280,781 
Multifamily227,980 — — — — 227,980 
Total commercial real estate1,965,383 8,415 1,661 — 6,270 1,981,729 
Residential real estate1,179,257 12,749 — — 24,804 1,216,810 
Public Finance494,539 — — — — 494,539 
Consumer31,773 59 — — 43 31,875 
Other54,242 — — — — 54,242 
Total loans$6,842,263 $32,292 $5,761 $295 $59,361 $6,939,972 
December 31, 2025
Commercial and industrial$2,890,507 $8,149 $5,501 $— $33,710 $2,937,867 
Commercial real estate:
Non-owner occupied723,930 13,891 — — 4,181 742,002 
Owner occupied699,342 414 — — 1,018 700,774 
Construction and land264,238 — 4,414 — — 268,652 
Multifamily210,368 — — — — 210,368 
Total commercial real estate1,897,878 14,305 4,414 — 5,199 1,921,796 
Residential real estate1,177,999 16,657 4,614 690 21,126 1,221,086 
Public Finance501,582 — — — — 501,582 
Consumer32,528 70 7 — 46 32,651 
Other50,244 7,954 — — — 58,198 
Total loans$6,550,738 $47,135 $14,536 $690 $60,081 $6,673,180 
Interest income recorded on nonperforming loans was not material for the three months ended March 31, 2026 and 2025.
Credit risk monitoring and management is a continuous process to manage the quality of the loan portfolio. We segment loans into risk categories based on relevant borrower risk profile information, including the ability of borrowers to service their debt based on current financial information, historical payment experience, credit documentation, public information and current economic trends among other factors. The risk rating system is used as a tool to analyze and monitor movements in loan portfolio quality.
Risk ratings meeting an internally specified exposure threshold are updated annually, or more frequently upon the occurrence of a circumstance that affects the credit risk of the loan. We use the following definitions for risk ratings:
Pass – Loans classified as Pass have a well-defined primary source of repayment, an acceptable financial position profile (including capitalization), profitability and minimal operating risk.
Pass/Watch – Pass/Watch loans require close attention by bank management and enhanced monitoring due to quantitative or qualitative concerns linked to adverse trends or near-term uncertainty. A covenant default or other type of requirement shortfall may have arisen subsequent to a loan's booking or borrower now shows signs of weakness in the overall base of confirmable financial resources available to repay the loan. However, overall financial capacity & performance are considered sufficient to support an expectation of continued payment performance and / or mitigating factors exist that are expected to limit the risk of near term default and loss.
Special Mention – Special Mention loans have identified potential weaknesses that are of sufficient materiality to require management’s (persistent) close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the bank's credit position under normal business operations. Special Mention loans contain greater than acceptable risk to warrant increases in credit exposure and are thus considered “criticized”, non-pass rated credits. They may contain weaknesses (that have arisen due to deteriorating conditions since origination) and / or underwriting exceptions that are not currently offset by mitigating factors. However, these weaknesses, while sufficient to constitute significantly elevated credit risk, are not sufficient to support a conclusion that the liquidation of the debt is in significant jeopardy.
Substandard - Accruing – Substandard - Accruing loans are inadequately protected by the current sound net worth and paying capacity of the obligor(s). Loans classified as Substandard - Accruing possess one or more well-defined weaknesses that are expected to jeopardize their liquidation but the weaknesses have not progressed to a point where recent late payments on the loan have become more than 90 days past due. These loans are characterized by the distinct possibility that the bank may sustain up to a moderate but not significant level of loss if such weaknesses are not corrected. Losses for Substandard - Accruing loans are moderated by the lower likelihood of ultimate default and the existence of relatively favorable secondary repayment protection. These loans are considered “nonperforming”.
Substandard - Nonaccrual – Substandard - Nonaccrual loans are inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged, if any. Loans classified as Substandard - Nonaccrual possess material, well-defined weaknesses that are expected to jeopardize their liquidation and have progressed to a point where consistently late payments on the loan have become more than 90 or more days past due. These loans are characterized by the distinct possibility that the bank may sustain a material level of loss if such weaknesses are not corrected. Losses for Substandard - Nonaccrual loans are prone to being elevated based on the strong likelihood of the loan remaining in payment default and an undesirable level of secondary repayment protection. These loans are considered “nonperforming”.
Doubtful – Loans classified as Doubtful possess all of the weaknesses inherent in loans classified as Substandard - Nonaccrual with the added characteristic that the weaknesses make collection or liquidation in full highly questionable or improbable based on currently existing facts, conditions and values. A high probability of substantial loss or possible total loss exists. Loans rated as doubtful are not rated as loss because certain events may occur that could salvage at least a portion of the debt. These events include injections of capital, additions of pledged collateral or possible mezzanine debt refinancing options. However, without the occurrence of such events, total loss may be possible. No definite repayment schedule exists for these loans. The Doubtful grade is a temporary grade. If a near term recovery of a portion of the loan balance is indeterminable or unlikely to occur, the remaining balance of the loan should be written off and possible future recoveries may partially offset the full write-off of the loan. These loans are considered “nonperforming”.
Loss – Loans classified as Loss are defaulted loans with limited or immaterial recovery prospects. No loan that has not yet defaulted should be classified at this grade level. This rating level tends to be very short lived as the full balance of the loan tends to be fully written off nearly immediately after a change to this rating level. These loans are considered “nonperforming”.
The following table presents the amortized cost by segment of loans by risk category and origination date as of March 31, 2026 and gross charge-offs by origination date for the three months ended March 31, 2026:
20262025202420232022PriorRevolving Loans
Converted to Term		RevolvingTotal
Commercial and industrial:
Pass$183,400 $695,020 $265,228 $160,073 $140,150 $184,667 $38,590 $1,224,930 $2,892,058 
Pass/Watch290 6,439 24,990 15,253 17,573 9,972 2,590 23,595 100,702 
Special Mention— — 14,864 11,143 3,979 5,628 15,068 18,962 69,644 
Substandard - Accruing— 1,628 46 10,520 30,102 11,061 1,027 15,745 70,129 
Substandard - Nonaccrual— — — — — 10,418 147 125 10,690 
Doubtful— — — 15,612 959 — 350 633 17,554 
Total commercial and industrial$183,690 $703,087 $305,128 $212,601 $192,763 $221,746 $57,772 $1,283,990 $3,160,777 
Gross charge-offs$— $— $— $7,072 $— $140 $3,372 $— $10,584 
Commercial real estate:
Non-owner occupied:
Pass$50,871 $161,625 $38,554 $62,889 $87,343 $273,693 $7,896 $28,751 $711,622 
Pass/Watch— 737 — — 21,551 20,510 1,757 10,109 54,664 
Special Mention— — — — — 7,891 — — 7,891 
Substandard - Accruing— — — — — 456 — — 456 
Substandard - Nonaccrual— — — — — 4,145 — — 4,145 
Total non-owner occupied$50,871 $162,362 $38,554 $62,889 $108,894 $306,695 $9,653 $38,860 $778,778 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Owner occupied:
Pass$16,450 $100,218 $87,564 $68,230 $44,031 $271,113 $34,368 $5,192 $627,166 
Pass/Watch— — 93 553 2,761 15,557 — — 18,964 
Special Mention— — 12,417 1,985 6,653 3,731 — — 24,786 
Substandard - Accruing— — — 10,755 — 11,034 — — 21,789 
Substandard - Nonaccrual— — — — — 1,485 — — 1,485 
Total owner occupied$16,450 $100,218 $100,074 $81,523 $53,445 $302,920 $34,368 $5,192 $694,190 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Construction & land:
Pass$16,254 $45,744 $48,040 $48,613 $29,145 $14,784 $20,865 $13,424 $236,869 
Pass/Watch— 1,053 905 — 7,632 — — — 9,590 
Special Mention— — 1,696 7,338 24,648 — — — 33,682 
Substandard - Nonaccrual— 429 211 — — — — — 640 
Total construction & land$16,254 $47,226 $50,852 $55,951 $61,425 $14,784 $20,865 $13,424 $280,781 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Multifamily:
Pass$15,364 $34,732 $4,315 $1,301 $114,599 $44,570 $10,436 $— $225,317 
Special Mention— — — — — 1,787 — — 1,787 
Substandard - Accruing— — — — — 876 — — 876 
Total multifamily$15,364 $34,732 $4,315 $1,301 $114,599 $47,233 $10,436 $— $227,980 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
20262025202420232022PriorRevolving Loans
Converted to Term		RevolvingTotal
Total commercial real estate:
Pass$98,939 $342,319 $178,473 $181,033 $275,118 $604,160 $73,565 $47,367 $1,800,974 
Pass/Watch— 1,790 998 553 31,944 36,067 1,757 10,109 83,218 
Special Mention— — 14,113 9,323 31,301 13,409 — — 68,146 
Substandard - Accruing— — — 10,755 — 12,366 — — 23,121 
Substandard - Nonaccrual— 429 211 — — 5,630 — — 6,270 
Total commercial real estate:$98,939 $344,538 $193,795 $201,664 $338,363 $671,632 $75,322 $57,476 $1,981,729 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Residential real estate:
Pass$36,779 $154,147 $119,579 $95,273 $491,532 $249,614 $2,195 $14,354 $1,163,473 
Pass/Watch— 2,931 501 3,189 5,578 10,417 35 — 22,651 
Special Mention— 943 432 388 2,069 2,007 — — 5,839 
Substandard - Accruing— — — — — 43 — — 43 
Substandard - Nonaccrual— — 2,703 581 14,311 7,076 109 24 24,804 
Total residential real estate$36,779 $158,021 $123,215 $99,431 $513,490 $269,157 $2,339 $14,378 $1,216,810 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Public Finance:
Pass$— $6,723 $30,460 $1,067 $— $454,102 $— $2,187 $494,539 
Total public finance$— $6,723 $30,460 $1,067 $— $454,102 $— $2,187 $494,539 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Consumer:
Pass$598 $2,130 $1,773 $571 $658 $11,401 $984 $12,773 $30,888 
Pass/Watch148 26 — 2 5 615 3 144 943 
Special Mention— — — — — — — 1 1 
Substandard - Nonaccrual— — — — — 43 — — 43 
Total consumer$746 $2,156 $1,773 $573 $663 $12,059 $987 $12,918 $31,875 
Gross charge-offs$— $— $— $— $— $58 $— $6 $64 
Other:
Pass$— $11,002 $5,138 $— $7,314 $14,084 $— $13,701 $51,239 
Pass/Watch— — — — — — — 3,003 3,003 
Total other$— $11,002 $5,138 $— $7,314 $14,084 $— $16,704 $54,242 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Total loans:
Pass$319,716 $1,211,341 $600,651 $438,017 $914,772 $1,518,028 $115,334 $1,315,312 $6,433,171 
Pass/Watch438 11,186 26,489 18,997 55,100 57,071 4,385 36,851 210,517 
Special Mention— 943 29,409 20,854 37,349 21,044 15,068 18,963 143,630 
Substandard - Accruing— 1,628 46 21,275 30,102 23,470 1,027 15,745 93,293 
Substandard - Nonaccrual— 429 2,914 581 14,311 23,167 256 149 41,807 
Doubtful— — — 15,612 959 — 350 633 17,554 
Total loans$320,154 $1,225,527 $659,509 $515,336 $1,052,593 $1,642,780 $136,420 $1,387,653 $6,939,972 
Gross charge-offs$— $— $— $7,072 $— $198 $3,372 $6 $10,648 
The following table presents the amortized cost by segment of loans by risk category and origination date as of December 31, 2025 and gross charge-offs by origination date for the year ended December 31, 2025:
20252024202320222021PriorRevolving Loans Converted to TermRevolvingTotal
Commercial and industrial:
Pass$740,012 $298,940 $169,246 $149,909 $121,886 $80,362 $57,063 $1,039,368 $2,656,786 
Pass/Watch2,217 26,707 11,607 26,316 1,005 2,868 2,195 9,782 82,697 
Special Mention— 13,948 20,570 23,243 3,338 295 17,330 14,443 93,167 
Substandard - Accruing1,522 — 24,860 9,031 13,523 4,387 5,571 12,613 71,507 
Substandard - Nonaccrual— — — 10,950 1,487 3,011 16,657 237 32,342 
Doubtful— — — 959 — — — 409 1,368 
Total commercial and industrial$743,751 $339,595 $226,283 $220,408 $141,239 $90,923 $98,816 $1,076,852 $2,937,867 
Gross charge-offs$— $983 $1,765 $16,676 $83 $1,846 $2,973 $1,474 $25,800 
Commercial real estate:
Non-owner occupied:
Pass$161,082 $38,766 $58,184 $100,232 $103,191 $190,446 $7,616 $19,647 $679,164 
Pass/Watch— — — 8,964 28,923 7,023 1,759 10,162 56,831 
Special Mention— — — — — 246 — — 246 
Substandard - Accruing— — — 1,366 — 214 — — 1,580 
Substandard - Nonaccrual— — — — — 4,181 — — 4,181 
Total non-owner occupied$161,082 $38,766 $58,184 $110,562 $132,114 $202,110 $9,375 $29,809 $742,002 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Owner occupied:
Pass$101,496 $88,319 $70,010 $37,308 $77,652 $207,336 $34,639 $5,351 $622,111 
Pass/Watch— 93 558 8,403 5,275 17,174 — — 31,503 
Special Mention— 12,465 2,010 6,676 — 5,417 — — 26,568 
Substandard - Accruing— — 9,556 — 441 9,577 — — 19,574 
Substandard - Nonaccrual— — — — — 1,018 — — 1,018 
Total owner occupied$101,496 $100,877 $82,134 $52,387 $83,368 $240,522 $34,639 $5,351 $700,774 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Construction & land:
Pass$32,191 $46,025 $59,674 $48,126 $6,319 $7,779 $19,081 $10,372 $229,567 
Pass/Watch1,050 905 — 3,246 — — — — 5,201 
Special Mention— 1,736 7,375 24,773 — — — — 33,884 
Total construction & land$33,241 $48,666 $67,049 $76,145 $6,319 $7,779 $19,081 $10,372 $268,652 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Multifamily:
Pass$35,233 $4,457 $1,309 $109,040 $29,471 $17,717 $10,460 $— $207,687 
Pass/Watch— — — — — 878 — — 878 
Special Mention— — — — 1,803 — — — 1,803 
Total multifamily$35,233 $4,457 $1,309 $109,040 $31,274 $18,595 $10,460 $— $210,368 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
20252024202320222021PriorRevolving Loans Converted to TermRevolvingTotal
Total commercial real estate:
Pass$330,002 $177,567 $189,177 $294,706 $216,633 $423,278 $71,796 $35,370 $1,738,529 
Pass/Watch1,050 998 558 20,613 34,198 25,075 1,759 10,162 94,413 
Special Mention— 14,201 9,385 31,449 1,803 5,663 — — 62,501 
Substandard - Accruing— — 9,556 1,366 441 9,791 — — 21,154 
Substandard - Nonaccrual— — — — — 5,199 — — 5,199 
Total commercial real estate:$331,052 $192,766 $208,676 $348,134 $253,075 $469,006 $73,555 $45,532 $1,921,796 
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Residential real estate:
Pass$151,678 $135,326 $100,216 $502,785 $101,673 $157,612 $2,160 $16,254 $1,167,704 
Pass/Watch4,248 2,263 2,565 6,467 5,888 7,450 54 — 28,935 
Special Mention1,644 431 388 626 — 183 — — 3,272 
Substandard - Accruing— — — — — 49 — — 49 
Substandard - Nonaccrual— 568 505 12,512 378 7,005 133 25 21,126 
Total residential real estate$157,570 $138,588 $103,674 $522,390 $107,939 $172,299 $2,347 $16,279 $1,221,086 
Gross charge-offs$— $— $— $— $— $74 $— $— $74 
Public Finance:
Pass$6,725 $30,469 $1,066 $— $41,450 $418,758 $— $3,114 $501,582 
Total public finance$6,725 $30,469 $1,066 $— $41,450 $418,758 $— $3,114 $501,582 
Gross charge-offs$— $— $— $— $— $1,922 $— $— $1,922 
Consumer:
Pass$2,469 $2,121 $767 $759 $2,930 $9,535 $150 $13,026 $31,757 
Pass/Watch27 — 3 5 100 508 61 144 848 
Substandard - Nonaccrual— — — — 2 44 — — 46 
Total consumer$2,496 $2,121 $770 $764 $3,032 $10,087 $211 $13,170 $32,651 
Gross charge-offs$— $8 $17 $58 $42 $197 $1 $124 $447 
Other:
Pass$11,659 $4,945 $— $7,321 $9,128 $6,545 $— $14,924 $54,522 
Pass/Watch— — — — 672 — — 3,004 3,676 
Total other$11,659 $4,945 $— $7,321 $9,800 $6,545 $— $17,928 $58,198 
Gross charge-offs$— $— $— $— $— $743 $— $— $743 
Total loans:
Pass$1,242,545 $649,368 $460,472 $955,480 $493,700 $1,096,090 $131,169 $1,122,056 $6,150,880 
Pass/Watch7,542 29,968 14,733 53,401 41,863 35,901 4,069 23,092 210,569 
Special Mention1,644 28,580 30,343 55,318 5,141 6,141 17,330 14,443 158,940 
Substandard - Accruing1,522 — 34,416 10,397 13,964 14,227 5,571 12,613 92,710 
Substandard - Nonaccrual— 568 505 23,462 1,867 15,259 16,790 262 58,713 
Doubtful— — — 959 — — — 409 1,368 
Total loans$1,253,253 $708,484 $540,469 $1,099,017 $556,535 $1,167,618 $174,929 $1,172,875 $6,673,180 
Gross charge-offs$— $991 $1,782 $16,734 $125 $4,782 $2,974 $1,598 $28,986 
The following table presents information about collateral dependent loans that were individually evaluated for purposes of determining the ACL as of:
Collateral Dependent Loans
With Allowance		Collateral Dependent Loans
With No Related Allowance		Total Collateral
Dependent Loans
Amortized CostRelated AllowanceAmortized CostAmortized CostRelated Allowance
March 31, 2026
Commercial & industrial$23,731 $7,303 $4,513 $28,244 $7,303 
Commercial real estate:
Non-owner occupied3,617 102 528 4,145 102 
Owner occupied— — 1,485 1,485 — 
Construction and land— — 640 640 — 
Total commercial real estate3,617 102 2,653 6,270 102 
Residential real estate3,211 182 21,593 24,804 182 
Consumer40 40 3 43 40 
Total loans$30,599 $7,627 $28,762 $59,361 $7,627 
December 31, 2025
Commercial & industrial$11,977 $5,194 $21,733 $33,710 $5,194 
Commercial real estate:
Non-owner occupied3,617 102 564 4,181 102 
Owner occupied— — 1,018 1,018 — 
Total commercial real estate3,617 102 1,582 5,199 102 
Residential real estate1,976 101 19,150 21,126 101 
Consumer43 43 3 46 43 
Total loans$17,613 $5,440 $42,468 $60,081 $5,440 
The allowance related to collateral dependent loans reported in the tables above includes qualitative adjustments applied to the loan portfolio that consider possible changes in circumstances that could ultimately impact credit losses and might not be reflected in historical data or forecasted data incorporated in the quantitative models.
Loan Modifications Made to Borrowers Experiencing Financial Difficulty:
The allowance for credit losses incorporates an estimate of lifetime expected credit losses and is recorded on each asset upon origination. The starting point for the estimate of the allowance for credit losses is historical loss information, which includes losses from modifications of receivables to borrowers experiencing financial difficulty. We use a PD/LGD model to determine the allowance for credit losses. An assessment of whether a borrower is experiencing financial difficulty is made at the time of a modification. The loan modifications in the table below did not significantly impact our determination of the allowance for credit losses on loans during the three months ended March 31, 2026.
Because the effect of most modifications made to borrowers experiencing financial difficulty is already included in the allowance for credit losses, a change to the allowance for credit losses is generally not recorded upon modification. Occasionally, we modify loans by providing principal forgiveness that is deemed to be uncollectible; therefore, that portion of the loan is written-off, resulting in a reduction of the amortized cost basis and a corresponding adjustment to the allowance for credit losses. Additionally, we may allow a loan to go interest only for a specified period of time.
The following tables present loan modifications for borrowers experiencing financial difficulty, segregated by modification type, regardless of whether such modifications resulted in a new loan.
For the three months ended March 31,:
Payment
Delay		Term
Extension		Interest Rate
Reduction		Combination Term Extension and Interest Rate Reduction% of
Total Class
of Loans
2026
Commercial and industrial$32,198 $751 $— $6,028 1.2 %
Commercial real estate:
Non-owner occupied246 — — — — %
Residential real estate— 845 — — 0.1 %
Total loans$32,444 $1,596 $— $6,028 0.6 %
2025
Commercial and industrial$1,321 $— $— $— 0.1 %
Commercial real estate:
Owner occupied— — 1,198 — 0.2 %
Residential real estate— 771 — — 0.1 %
Total loans$1,321 $771 $1,198 $— 0.1 %
There were commitments to lend additional funds to these borrowers of $3,416 at March 31, 2026.
We closely monitor the performance of loan modifications made to borrowers experiencing financial difficulty to understand the effectiveness of the modification efforts. The following table depicts the performance of loan modifications made to borrowers experiencing financial difficulty that have been modified in the preceding 12 months:
Loans
Not
Past Due		Loans
30-59 Days
Past Due		Loans
60-89 Days
Past Due		Loans Greater
than 90 Days
Past Due,
Still Accruing		NonaccrualTotal
March 31, 2026
Commercial and industrial$41,879 $1,102 $— $— $14,102 $57,083 
Commercial real estate:
Non-owner occupied246 — — — — 246 
Owner occupied37 — — — 988 1,025 
Total commercial real estate283 — — — 988 1,271 
Residential real estate1,455 751 — — 431 2,637 
Total loans$43,617 $1,853 $— $— $15,521 $60,991 
March 31, 2025
Commercial and industrial$1,511 $— $— $— $16,406 $17,917 
Commercial real estate:
Non-owner occupied— 1,920 — — — 1,920 
Owner occupied7,000 — — — — 7,000 
Total commercial real estate7,000 1,920 — — — 8,920 
Residential real estate771 — — — 927 1,698 
Total loans$9,282 $1,920 $— $— $17,333 $28,535