Loan Quality And Allowance For Credit Losses (Tables)



(Dollars in thousands)													Revolving		Revolving
	Term Loans												Loans		Loans
	Amortized Cost Basis by Origination Year												Amortized		Converted
As of March 31, 2026	2026		2025		2024		2023		2022		Prior		Cost Basis		to Term		Total
Residential real estate 1-4 family:
Commercial:
Risk rating:
Pass (1-5)	$	3,349	$	6,554	$	4,585	$	14,150	$	6,193	$	28,828	$	5,904	$	—	$	69,563
OAEM (6)		—		—		—		—		—		—		95		—		95
Substandard (7)		—		—		—		—		—		227		—		—		227
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		3,349		6,554		4,585		14,150		6,193		29,055		5,999		—		69,885
Consumer:
Performing		9,149		42,000		46,710		57,334		27,549		43,833		69,901		15,429		311,905
Nonperforming		—		—		—		—		—		1		20		—		21
Total Consumer		9,149		42,000		46,710		57,334		27,549		43,834		69,921		15,429		311,926
Total	$	12,498	$	48,554	$	51,295	$	71,484	$	33,742	$	72,889	$	75,920	$	15,429	$	381,811
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Residential real estate construction:
Commercial:
Risk rating:
Pass (1-5)	$	411	$	3,132	$	16,615	$	1,663	$	138	$	2,426	$	—	$	—	$	24,385
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		—		—		—		—
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		411		3,132		16,615		1,663		138		2,426		—		—		24,385
Consumer:
Performing		1,478		26,111		4,839		—		—		—		—		—		32,428
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer		1,478		26,111		4,839		—		—		—		—		—		32,428
Total	$	1,889	$	29,243	$	21,454	$	1,663	$	138	$	2,426	$	—	$	—	$	56,813
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate:
Risk rating:
Pass (1-5)	$	24,860	$	132,458		130,702		199,953	$	96,418	$	267,093	$	12,668	$	—	$	864,152
OAEM (6)		—		—		—		12,878		916		6,768		15		—		20,577
Substandard (7)		—		—		233		21,911		234		1,960		—		—		24,338
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	24,860	$	132,458	$	130,935	$	234,742	$	97,568	$	275,821	$	12,683	$	—	$	909,067
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial:
Risk rating:
Pass (1-5)	$	3,255	$	17,635	$	20,217	$	10,021	$	17,917	$	96,375	$	41,139	$	—	$	206,559
OAEM (6)		—		—		—		8		344		1,277		200		—		1,829
Substandard (7)		—		—		399		—		732		—		4,488		—		5,619
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	3,255	$	17,635	$	20,616	$	10,029	$	18,993	$	97,652	$	45,827	$	—	$	214,007
Current period gross charge-offs	$	(1)	$	—	$	(55)	$	—	$	(1)	$	—	$	(290)	$	—	$	(347)

Consumer:
Performing		605		1,431		1,009		594		165		1,468		5,439		—		10,711
Nonperforming		—		—		—		17		—		—		—		—		17
Total	$	605	$	1,431	$	1,009	$	611	$	165	$	1,468	$	5,439	$	—	$	10,728
Current period gross charge-offs	$	(16)	$	—	$	—	$	—	$	—	$	(3)	$	(22)	$	—	$	(41)



(Dollars in thousands)													Revolving		Revolving
	Term Loans												Loans		Loans
	Amortized Cost Basis by Origination Year												Amortized		Converted
As of December 31, 2025	2025		2024		2023		2022		2020		Prior		Cost Basis		to Term		Total
Residential real estate 1-4 family:
Commercial:
Risk rating:
Pass (1-5)	$	6,601	$	4,914	$	14,483	$	6,381	$	8,982	$	23,381	$	5,237	$	—	$	69,979
OAEM (6)		—		—		—		—		—		—		95		—		95
Substandard (7)		—		—		—		—		—		222		—		—		222
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		6,601		4,914		14,483		6,381		8,982		23,603		5,332		—		70,296
Consumer:
Performing		35,726		45,927		60,145		27,930		13,385		31,675		67,410		15,872		298,070
Nonperforming		—		—		—		—		—		—		20		—		20
Total Consumer		35,726		45,927		60,145		27,930		13,385		31,675		67,430		15,872		298,090
Total	$	42,327	$	50,841	$	74,628	$	34,311	$	22,367	$	55,278	$	72,762	$	15,872	$	368,386
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Residential real estate construction:
Commercial:
Risk rating:
Pass (1-5)	$	4,228	$	16,503	$	1,204	$	—	$	1,093	$	1,488	$	—	$	—	$	24,516
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		—		—		—		—
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		4,228		16,503		1,204		—		1,093		1,488		—		—		24,516
Consumer:
Performing		24,744		4,865		—		—		—		—		—		—		29,609
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer		24,744		4,865		—		—		—		—		—		—		29,609
Total	$	28,972	$	21,368	$	1,204	$	—	$	1,093	$	1,488	$	—	$	—	$	54,125
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate:
Risk rating:
Pass (1-5)	$	137,253	$	126,702	$	206,916	$	96,083	$	84,154	$	189,407	$	12,236	$	—	$	852,751
OAEM (6)		—		—		12,956		448		689		11,924		—		—		26,017
Substandard (7)		—		544		22,040		239		—		1,980		—		—		24,803
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	137,253	$	127,246	$	241,912	$	96,770	$	84,843	$	203,311	$	12,236	$	—	$	903,571
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial:
Risk rating:
Pass (1-5)	$	17,563	$	23,890	$	11,979	$	19,675	$	33,813	$	65,515	$	45,425	$	—	$	217,860
OAEM (6)		—		—		8		359		1,323		—		198		—		1,888
Substandard (7)		—		553		—		583		—		—		4,615		—		5,751
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	17,563	$	24,443	$	11,987	$	20,617	$	35,136	$	65,515	$	50,238	$	—	$	225,499
Current period gross charge-offs	$	(9)	$	—	$	(17)	$	—	$	(2)	$	(8)	$	—	$	—	$	(36)

Consumer:
Performing		1,853		1,145		709		201		1,499		—		4,245		—		9,652
Nonperforming		—		—		—		—		—		—		5		—		5
Total	$	1,853	$	1,145	$	709	$	201	$	1,499	$	—	$	4,250	$	—	$	9,657
Current period gross charge-offs	$	(71)	$	(6)	$	(18)	$	(3)	$	(1)	$	(2)	$	(30)	$	—	$	(131)



	March 31, 2026						December 31, 2025
(Dollars in thousands)	Nonaccrual and Loans past due 90 Days or more						Nonaccrual and Loans past due 90 Days or more
					Loans past due						Loans past due
	Nonaccrual		Nonaccrual		90 Days or more		Nonaccrual		Nonaccrual		90 Days or more
	Without ACL		With ACL		Still Accruing		Without ACL		With ACL		Still Accruing
March 31, 2026
Residential Real Estate 1-4 Family
First liens	$	51	$	—	$	1	$	—	$	—	$	—
Junior liens and lines of credit		20		—		—		20		—		—
Total		71		—		1		20		—		—
Residential real estate - construction		—		—		—		—		—		—
Commercial real estate		713		7,027		—		1,029		7,119		—
Commercial		49		621		—		55		290		—
Consumer		—		—		17		—		—		5
Total	$	833	$	7,648	$	18	$	1,104	$	7,409	$	5



(Dollars in thousands)	Loans Past Due						Total				Total
	30-59 Days		60-89 Days		90 Days+		Past Due		Current		Loans
March 31, 2026
Residential Real Estate 1-4 Family
First liens	$	164	$	28	$	43	$	235	$	288,186	$	288,421
Junior liens and lines of credit		216		—		20		236		93,154		93,390
Total		380		28		63		471		381,340		381,811
Residential real estate - construction		—		—		—		—		56,813		56,813
Commercial real estate		7,456		—		713		8,169		900,898		909,067
Commercial		—		621		49		670		213,337		214,007
Consumer		26		2		17		45		10,683		10,728
Total	$	7,862	$	651	$	842	$	9,355	$	1,563,071	$	1,572,426



	Loans Past Due						Total				Total
	30-59 Days		60-89 Days		90 Days+		Past Due		Current		Loans
December 31, 2025
Residential Real Estate 1-4 Family
First liens	$	145	$	855	$	—	$	1,000	$	275,897	$	276,897
Junior liens and lines of credit		333		160		20		513		90,976		91,489
Total		478		1,015		20		1,513		366,873		368,386
Residential real estate - construction		—		—		—		—		54,125		54,125
Commercial real estate		542		—		1,029		1,571		902,000		903,571
Commercial		500		1		345		846		224,653		225,499
Consumer		55		19		5		79		9,578		9,657
Total	$	1,575	$	1,035	$	1,399	$	4,009	$	1,557,229	$	1,561,238



	Residential Real Estate 1-4 Family
	First		Junior Liens &				Commercial
(Dollars in thousands)	Liens		Lines of Credit		Construction		Real Estate		Commercial		Consumer		Total

ACL at December 31, 2025	$	1,665	$	500	$	652	$	14,042	$	3,641	$	155	$	20,655
Charge-offs		—		—		—		—		(347)		(41)		(388)
Recoveries		—		—		67		—		179		14		260
Provision		68		10		(27)		538		(436)		49		202
ACL at March 31, 2026	$	1,733	$	510	$	692	$	14,580	$	3,037	$	177	$	20,729

ACL at December 31, 2024	$	1,497	$	461	$	376	$	12,004	$	3,182	$	133	$	17,653
Charge-offs		—		—		—		—		(3)		(18)		(21)
Recoveries		—		—		3		—		54		5		62
Provision		32		9		76		476		161		(4)		750
ACL at March 31, 2025	$	1,529	$	470	$	455	$	12,480	$	3,394	$	116	$	18,444