March 31,

December 31,

(Dollars in thousands)

2026

2025

Residential real estate 1-4 family

Consumer first liens

$

225,743

$

213,440

Commercial first lien

62,678

63,457

Total first liens

288,421

276,897

Consumer junior liens and lines of credit

86,183

84,650

Commercial junior liens and lines of credit

7,207

6,839

Total junior liens and lines of credit

93,390

91,489

Total residential real estate 1-4 family

381,811

368,386

Residential real estate - construction

Consumer

32,428

29,609

Commercial

24,385

24,516

Total residential real estate construction

56,813

54,125

Commercial real estate

909,067

903,571

Commercial

214,007

225,499

Total commercial

1,123,074

1,129,070

Consumer

10,728

9,657

1,572,426

1,561,238

Less: Allowance for credit losses

(20,729)

(20,655)

Net Loans

$

1,551,697

$

1,540,583

Included in the loan balances are the following:

Net unamortized deferred loan costs

$

1,984

$

1,766

Loans pledged as collateral for borrowings and commitments from:

FHLB

$

875,311

$

863,693

Federal Reserve Bank

189,997

193,640

$

1,065,308

$

1,057,333