Loans (Tables)

3 Months Ended

Mar. 31, 2026

Loans

Summary of classes of loans


		March 31,			December 31,
(Dollars in thousands)		2026			2025
Commercial real estate		$	870,643		$	835,432
Commercial business			118,627			115,710
Construction - commercial real estate			75,262			99,604
Land acquisition and development			82,475			66,248
Builder lines			31,058			37,938
Construction - consumer real estate			32,540			29,288
Residential mortgage			316,677			319,536
Equity lines			76,920			76,460
Other consumer			10,204			10,085
Consumer finance - automobiles			405,473			406,312
Consumer finance - marine and recreational vehicles			55,173			57,963
Subtotal			2,075,052			2,054,576
Less allowance for credit losses			(39,665)			(39,677)
Loans, net		$	2,035,387		$	2,014,899

Schedule of past due status of loans


		30-59			60-89			90+												90+ Days
		Days			Days			Days			Total									Past Due and
(Dollars in thousands)		Past Due			Past Due			Past Due			Past Due			Current¹			Total Loans			Accruing
Commercial real estate		$	—		$	—		$	—		$	—		$	870,643		$	870,643		$	—
Commercial business			162			109			—			271			118,356			118,627			—
Construction - commercial real estate			—			—			—			—			75,262			75,262			—
Land acquisition and development			—			—			—			—			82,475			82,475			—
Builder lines			—			—			—			—			31,058			31,058			—
Construction - consumer real estate			—			—			—			—			32,540			32,540			—
Residential mortgage			1,435			123			905			2,463			314,214			316,677			88
Equity lines			125			—			17			142			76,778			76,920			17
Other consumer			35			—			—			35			10,169			10,204			—
Consumer finance - automobiles			12,655			1,477			890			15,022			390,451			405,473			—
Consumer finance - marine and recreational vehicles			393			—			23			416			54,757			55,173			—
Total		$	14,805		$	1,709		$	1,835		$	18,349		$	2,056,703		$	2,075,052		$	105

1

For the purposes of the table above, “Current” includes loans that are 1-29 days past due.


		30-59			60-89			90+												90+ Days
		Days			Days			Days			Total									Past Due and
(Dollars in thousands)		Past Due			Past Due			Past Due			Past Due			Current¹			Total Loans			Accruing
Commercial real estate		$	—		$	262		$	—		$	262		$	835,170		$	835,432		$	—
Commercial business			8			—			—			8			115,702			115,710			—
Construction - commercial real estate			—			—			—			—			99,604			99,604			—
Land acquisition and development			—			—			—			—			66,248			66,248			—
Builder lines			—			—			—			—			37,938			37,938			—
Construction - consumer real estate			—			—			—			—			29,288			29,288			—
Residential mortgage			1,019			111			813			1,943			317,593			319,536			—
Equity lines			155			65			23			243			76,217			76,460			23
Other consumer			17			—			—			17			10,068			10,085			—
Consumer finance - automobiles			16,741			2,129			1,022			19,892			386,420			406,312			—
Consumer finance - marine and recreational vehicles			429			37			—			466			57,497			57,963			—
Total		$	18,369		$	2,604		$	1,858		$	22,831		$	2,031,745		$	2,054,576		$	23

1For the purposes of the table above, “Current” includes loans that are 1-29 days past due.

Schedule of loans on nonaccrual status


		March 31,			December 31,
(Dollars in thousands)		2026			2025
Commercial business		$	2		$	—
Residential mortgage			1,097			1,135
Consumer finance - automobiles			890			1,022
Consumer finance - marine and recreational vehicles			23			—
Total		$	2,012		$	2,157