Three Months Ended

March 31, 2026

Community Banking

Marine Lending

Wealth Management

All Other

Eliminations

Consolidated

(in thousands)

Interest Income

$

21,594

$

2,232

$

—

$

—

$

—

$

23,826

Interest Expense

6,755

814

—

354

—

7,923

Net Interest Income (Expense)

14,839

1,418

—

(354

)

—

15,903

Gain on sales of loans

1,012

—

—

—

—

1,012

Other noninterest income

2,091

—

1,825

—

—

3,916

Net Revenue (Expense)

17,942

1,418

1,825

(354

)

—

20,831

Provision for credit losses

1,942

19

—

—

—

1,961

Salaries and employee benefits

7,777

—

414

38

—

8,229

Occupancy expenses

643

—

23

—

—

666

Professional fees

522

2

1

79

—

604

Data processing fees

486

—

—

—

—

486

Other noninterest expense

3,899

91

237

—

—

4,227

Total Noninterest Expenses

13,327

93

675

117

—

14,212

Income (loss) before taxes

2,673

1,306

1,150

(471

)

—

4,658

Income tax expense (benefit)

525

274

242

(123

)

—

918

Net Income (Loss)

$

2,148

$

1,032

$

908

$

(348

)

$

—

$

3,740

Other data:

Capital expenditures

$

200

$

—

$

9

$

—

$

—

$

209

Depreciation and amortization

421

—

34

17

—

472

Three Months Ended

March 31, 2025

Community Banking

Marine Lending

Wealth Management

All Other

Eliminations

Consolidated

(in thousands)

Interest Income

$

20,796

$

2,706

$

—

$

—

$

—

$

23,502

Interest Expense

8,616

1,196

—

354

—

10,166

Net Interest Income (Expense)

12,180

1,510

—

(354

)

—

13,336

Gain on sales of loans

429

—

—

—

—

429

(Loss) on the sale of securities

(12,425

)

—

—

—

—

(12,425

)

Other noninterest income

1,718

—

1,724

—

—

3,442

Net Revenue (Expense)

1,902

—

1,510

1,724

(354

)

—

4,782

Provision for (recovery of) credit losses

1,377

(144

)

—

—

—

1,233

Salaries and employee benefits

6,695

—

458

26

—

7,179

Occupancy expenses

642

—

20

—

—

662

Professional fees

499

—

—

64

—

563

Data processing fees

530

—

20

—

—

550

Other noninterest expense

3,346

104

185

—

—

3,635

Total Noninterest Expenses

11,712

104

683

90

—

12,589

(Loss) income before taxes

(11,187

)

1,550

1,041

(444

)

—

(9,040

)

Income tax (benefit) expense

(2,506

)

326

219

(105

)

—

(2,066

)

Net (Loss) Income

$

(8,681

)

$

1,224

$

822

$

(339

)

$

—

$

(6,974

)

Other data: