| Schedule of allowance for loan losses activity and balance |
| | | | | | | | | | | | | | | | | | | | | March 31, 2026 | | | Real Estate | | | | | | | | | | | | | | | Construction & | | | | | | | | | | | | | | | | | | Land | | | | | | | | | | | | | Dollars in thousands | | Commercial | | Development | | Residential | | Commercial | | Consumer | | Total | Beginning balance, December 31, 2025 | | $ | 11,177 | | $ | 3,014 | | $ | 5,018 | | $ | 564 | | $ | 32 | | $ | 19,805 | Charge-offs | | | — | | | — | | | — | | | — | | | — | | | — | Recoveries | | | — | | | — | | | — | | | 35 | | | — | | | 35 | Provision for (recovery of) credit losses | | | (144) | | | 59 | | | 274 | | | (18) | | | (28) | | | 143 | Ending balance, March 31, 2026 | | $ | 11,033 | | $ | 3,073 | | $ | 5,292 | | $ | 581 | | $ | 4 | | $ | 19,983 |
| | | | | | | | | | | | | | | | | | | | | March 31, 2025 | | | Real Estate | | | | | | | | | | | | | | | Construction & | | | | | | | | | | | | | | | | | | Land | | | | | | | | | | | | | Dollars in thousands | | Commercial | | Development | | Residential | | Commercial | | Consumer | | Total | Beginning balance, December 31, 2024 | | $ | 11,732 | | $ | 1,761 | | $ | 4,594 | | $ | 548 | | $ | 80 | | $ | 18,715 | Charge-offs | | | — | | | — | | | — | | | — | | | — | | | — | Recoveries | | | — | | | — | | | — | | | — | | | — | | | — | Provision for (recovery of) credit losses | | | (113) | | | 277 | | | (24) | | | 47 | | | (76) | | | 111 | Ending balance, March 31, 2025 | | $ | 11,619 | | $ | 2,038 | | $ | 4,570 | | $ | 595 | | $ | 4 | | $ | 18,826 |
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| Schedule of past due and non-accrual loans |
| | | | | | | | | | | | | | | | | | | | | | | | March 31, 2026 | | | 30-59 Days | | 60-89 Days | | 90 Days or More | | | | | Total Past | | | | | | | | | Past | | Past | | Past Due and | | Nonaccrual | | Due and | | | | | Total | (Dollars in thousands) | | Due | | Due | | Still Accruing | | Loans | | Nonaccrual Loans | | Current | | Loans | Real Estate Loans | | | | | | | | | | | | | | | | | | | | | | Commercial | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 1,176,929 | | $ | 1,176,929 | Construction and land development | | | — | | | — | | | — | | | — | | | — | | | 228,591 | | | 228,591 | Residential | | | 445 | | | — | | | — | | | — | | | 445 | | | 513,205 | | | 513,650 | Commercial | | | — | | | — | | | — | | | 984 | | | 984 | | | 47,921 | | | 48,905 | Consumer | | | — | | | — | | | — | | | — | | | — | | | 760 | | | 760 | Total Loans | | $ | 445 | | $ | — | | $ | — | | $ | 984 | | $ | 1,429 | | $ | 1,967,406 | | $ | 1,968,835 |
| | | | | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | | 30-59 Days | | 60-89 Days | | 90 Days or More | | | | | Total Past | | | | | | | | | Past | | Past | | Past Due and | | Nonaccrual | | Due and | | | | | Total | (Dollars in thousands) | | Due | | Due | | Still Accruing | | Loans | | Nonaccrual Loans | | Current | | Loans | Real Estate Loans | | | | | | | | | | | | | | | | | | | | | | Commercial | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 1,173,617 | | $ | 1,173,617 | Construction and land development | | | — | | | — | | | — | | | — | | | — | | | 222,659 | | | 222,659 | Residential | | | 370 | | | 756 | | | — | | | — | | | 1,126 | | | 521,864 | | | 522,990 | Commercial | | | — | | | — | | | 1,084 | | | — | | | 1,084 | | | 48,883 | | | 49,967 | Consumer | | | — | | | — | | | — | | | — | | | — | | | 1,043 | | | 1,043 | Total Loans | | $ | 370 | | $ | 756 | | $ | 1,084 | | $ | — | | $ | 2,210 | | $ | 1,968,066 | | $ | 1,970,276 |
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| Schedule of credit quality indicators |
The following table presents the Company’s recorded investment in loans by credit quality indicator by year of origination as of March 31, 2026. | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans by Year of Origination | | | | | | | (Dollars in thousands) | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Revolving | | Total | Real Estate Loans - Commercial | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 22,333 | | $ | 108,556 | | $ | 148,841 | | $ | 67,030 | | $ | 258,211 | | $ | 553,306 | | $ | 6,028 | | $ | 1,164,305 | Special mention | | | — | | | — | | | — | | | — | | | 12,624 | | | — | | | — | | | 12,624 | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Real Estate Loans - Commercial | | $ | 22,333 | | $ | 108,556 | | $ | 148,841 | | $ | 67,030 | | $ | 270,835 | | $ | 553,306 | | $ | 6,028 | | $ | 1,176,929 | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross write-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate Loans - Construction and land development | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 2,700 | | $ | 84,975 | | $ | 49,409 | | $ | 16,857 | | $ | 15,091 | | $ | 15,678 | | $ | 43,616 | | $ | 228,326 | Special mention | | | — | | | — | | | — | | | — | | | — | | | 265 | | | — | | | 265 | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Real Estate Loans - Construction and land development | | $ | 2,700 | | $ | 84,975 | | $ | 49,409 | | $ | 16,857 | | $ | 15,091 | | $ | 15,943 | | $ | 43,616 | | $ | 228,591 | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross write-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate Loans - Residential | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 12,390 | | $ | 88,172 | | $ | 26,433 | | $ | 50,524 | | $ | 97,199 | | $ | 212,568 | | $ | 25,919 | | $ | 513,205 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | 445 | | | — | | | 445 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Real Estate Loans - Residential | | $ | 12,390 | | $ | 88,172 | | $ | 26,433 | | $ | 50,524 | | $ | 97,199 | | $ | 213,013 | | $ | 25,919 | | $ | 513,650 | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross write-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Loans | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 3,619 | | $ | 10,184 | | $ | 4,238 | | $ | 2,766 | | $ | 2,752 | | $ | 6,273 | | $ | 18,089 | | $ | 47,921 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | 984 | | | — | | | — | | | 984 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Commercial Loans | | $ | 3,619 | | $ | 10,184 | | $ | 4,238 | | $ | 2,766 | | $ | 3,736 | | $ | 6,273 | | $ | 18,089 | | $ | 48,905 | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross write-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer Loans | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 3 | | $ | 187 | | $ | 521 | | $ | 33 | | $ | — | | $ | — | | $ | 16 | | $ | 760 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Consumer Loans | | $ | 3 | | $ | 187 | | $ | 521 | | $ | 33 | | $ | — | | $ | — | | $ | 16 | | $ | 760 | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross write-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — |
The following table presents the Company’s recorded investment in loans by credit quality indicator by year of origination as of December 31, 2025. | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans by Year of Origination | | | | | | | (Dollars in thousands) | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Revolving | | Total | Real Estate Loans - Commercial | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 108,904 | | $ | 146,921 | | $ | 67,298 | | $ | 259,998 | | $ | 152,295 | | $ | 420,305 | | $ | 5,224 | | $ | 1,160,945 | Special mention | | | — | | | — | | | — | | | 12,672 | | | — | | | — | | | — | | | 12,672 | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Real Estate Loans - Commercial | | $ | 108,904 | | $ | 146,921 | | $ | 67,298 | | $ | 272,670 | | $ | 152,295 | | $ | 420,305 | | $ | 5,224 | | $ | 1,173,617 | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross write-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate Loans - Construction and land development | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 72,568 | | $ | 66,800 | | $ | 22,339 | | $ | 14,925 | | $ | 773 | | $ | 13,355 | | $ | 30,815 | | $ | 221,575 | Special mention | | | — | | | — | | | — | | | — | | | — | | | 1,084 | | | — | | | 1,084 | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Real Estate Loans - Construction and land development | | $ | 72,568 | | $ | 66,800 | | $ | 22,339 | | $ | 14,925 | | $ | 773 | | $ | 14,439 | | $ | 30,815 | | $ | 222,659 | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross write-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate Loans - Residential | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 92,918 | | $ | 27,336 | | $ | 59,483 | | $ | 99,049 | | $ | 109,931 | | $ | 107,162 | | $ | 26,355 | | $ | 522,234 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | 756 | | | — | | | 756 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Real Estate Loans - Residential | | $ | 92,918 | | $ | 27,336 | | $ | 59,483 | | $ | 99,049 | | $ | 109,931 | | $ | 107,918 | | $ | 26,355 | | $ | 522,990 | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross write-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Loans | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 9,952 | | $ | 4,277 | | $ | 3,254 | | $ | 2,948 | | $ | 618 | | $ | 6,202 | | $ | 21,632 | | $ | 48,883 | Special mention | | | — | | | — | | | — | | | 1,084 | | | — | | | — | | | — | | | 1,084 | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Commercial Loans | | $ | 9,952 | | $ | 4,277 | | $ | 3,254 | | $ | 4,032 | | $ | 618 | | $ | 6,202 | | $ | 21,632 | | $ | 49,967 | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross write-offs | | $ | — | | $ | — | | $ | — | | $ | 361 | | $ | — | | $ | — | | $ | — | | $ | 361 | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer Loans | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 463 | | $ | 529 | | $ | 36 | | $ | — | | $ | — | | $ | — | | $ | 15 | | $ | 1,043 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Consumer Loans | | $ | 463 | | $ | 529 | | $ | 36 | | $ | — | | $ | — | | $ | — | | $ | 15 | | $ | 1,043 | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross write-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — |
|