v3.26.1
Loans and Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2026
Loans and Allowance for Credit Losses [Abstract]  
Schedule of Loans [Table Text Block]
Loans consisted of the following segments as of June 30, 2026 and December 31, 2025.
 June 30, 2026December 31, 2025
Commercial$463,248 $505,059 
Real estate:
Construction, land and land development333,753 426,833 
1-4 family residential first mortgages130,951 93,122 
Home equity25,999 26,088 
Commercial1,977,477 1,929,766 
Consumer and other21,347 23,374 
 2,952,775 3,004,242 
Net unamortized fees and costs(2,661)(2,552)
 $2,950,114 $3,001,690 
Allowance for Loan Losses [Table Text Block]
The following tables detail the changes in the allowance for credit losses (ACL) by loan segment for the three and six months ended June 30, 2026 and 2025.

Three Months Ended June 30, 2026
Real Estate
CommercialConstruction and Land1-4 Family ResidentialHome EquityCommercialConsumer and OtherTotal
Beginning balance$5,223 $3,240 $1,088 $278 $20,378 $316 $30,523 
Charge-offs— — — — — — — 
Recoveries2 4 — 1 — — 7 
Provision for credit loss expense(1)
32 (334)(59)(10)386 (15)— 
Ending balance$5,257 $2,910 $1,029 $269 $20,764 $301 $30,530 
Six Months Ended June 30, 2026
Real Estate
CommercialConstruction and Land1-4 Family ResidentialHome EquityCommercialConsumer and OtherTotal
Beginning balance$5,700 $3,744 $687 $274 $19,795 $325 $30,525 
Charge-offs(1)— — — — (18)(19)
Recoveries7 7 6 2 — 2 24 
Provision for credit loss expense(1)
(449)(841)336 (7)969 (8)— 
Ending balance$5,257 $2,910 $1,029 $269 $20,764 $301 $30,530 
Three Months Ended June 30, 2025
Real Estate
CommercialConstruction and Land1-4 Family ResidentialHome EquityCommercialConsumer and OtherTotal
Beginning balance$5,846 $3,894 $635 $220 $19,701 $230 $30,526 
Charge-offs— — — — — — — 
Recoveries7 5 — 1 — — 13 
Provision for credit loss expense(1)
(209)199 (12)20 (48)50 — 
Ending balance$5,644 $4,098 $623 $241 $19,653 $280 $30,539 
Six Months Ended June 30, 2025
Real Estate
CommercialConstruction and Land1-4 Family ResidentialHome EquityCommercialConsumer and OtherTotal
Beginning balance$5,489 $4,354 $650 $200 $19,544 $195 $30,432 
Charge-offs— — — — — — — 
Recoveries14 7 73 13 — — 107 
Provision for credit loss expense(1)
141 (263)(100)28 109 85 — 
Ending balance$5,644 $4,098 $623 $241 $19,653 $280 $30,539 
(1)The negative provisions for the various segments are related to the decline in outstanding balances in each of those portfolio segments during the time periods disclosed, improvement in qualitative risk factors related to those portfolio segments and/or changes in economic forecasts.
Allowance for Loan Loss by Impairment Method [Table Text Block]
The following tables present a breakdown of the ACL by segment, disaggregated based on the evaluation method as of June 30, 2026 and December 31, 2025.


June 30, 2026
Real Estate
CommercialConstruction and Land1-4 Family ResidentialHome EquityCommercialConsumer and OtherTotal
Ending balance:
Individually evaluated for credit losses$— $— $— $— $— $— $— 
Collectively evaluated for credit losses5,257 2,910 1,029 269 20,764 301 30,530 
Total$5,257 $2,910 $1,029 $269 $20,764 $301 $30,530 
December 31, 2025
Real Estate
CommercialConstruction and Land1-4 Family ResidentialHome EquityCommercialConsumer and OtherTotal
Ending balance:
Individually evaluated for credit losses$— $— $— $— $— $— $— 
Collectively evaluated for credit losses5,700 3,744 687 274 19,795 325 30,525 
Total$5,700 $3,744 $687 $274 $19,795 $325 $30,525 
Loans by impairment method
The following tables present the recorded investment in loans, exclusive of unamortized fees and costs, disaggregated based on the evaluation method by segment as of June 30, 2026 and December 31, 2025.


June 30, 2026
Real Estate
CommercialConstruction and Land1-4 Family ResidentialHome EquityCommercialConsumer and OtherTotal
Ending balance:
Individually evaluated for credit losses$749 $— $— $— $624 $— $1,373 
Collectively evaluated for credit losses462,499 333,753 130,951 25,999 1,976,853 21,347 2,951,402 
Total$463,248 $333,753 $130,951 $25,999 $1,977,477 $21,347 $2,952,775 

December 31, 2025
Real Estate
CommercialConstruction and Land1-4 Family ResidentialHome EquityCommercialConsumer and OtherTotal
Ending balance:
Individually evaluated for credit losses$— $— $— $— $— $— $— 
Collectively evaluated for credit losses505,059 426,833 93,122 26,088 1,929,766 23,374 3,004,242 
Total$505,059 $426,833 $93,122 $26,088 $1,929,766 $23,374 $3,004,242 
Financing Receivable, Nonaccrual
The following table presents the amortized cost basis of loans on nonaccrual status, loans on nonaccrual status with no ACL recorded, and loans past due 90 days or more and still accruing by loan segment as of the dates indicated.

Total NonaccrualNonaccrual with no Allowance for Credit Losses90 Days or More Past Due and Accruing
June 30, 2026December 31, 2025June 30, 2026December 31, 2025June 30, 2026December 31, 2025
Commercial$— $— $— $— $— $— 
Real estate:
Construction, land and land
development— — — — — — 
1-4 family residential first
mortgages— — — — — — 
Home equity— — — — — — 
Commercial— — — — — — 
Consumer and other— — — — — — 
Total$— $— $— $— $— $— 
Past Due Loans [Table Text Block]
The following tables provide an analysis of the delinquency status of the amortized cost of loans as of June 30, 2026 and December 31, 2025.

June 30, 2026
30-59
Days Past
Due		60-89
Days Past
Due		90 Days
or More
Past Due		Total
Past Due		CurrentTotal Loans
Commercial$— $— $— $— $463,248 $463,248 
Real estate:
Construction, land and
land development— — — — 333,753 333,753 
1-4 family residential
first mortgages— — — — 130,951 130,951 
Home equity— — — — 25,999 25,999 
Commercial— — — — 1,977,477 1,977,477 
Consumer and other— — — — 21,347 21,347 
Total$— $— $— $— $2,952,775 $2,952,775 

December 31, 2025
30-59
Days Past
Due		60-89
Days Past
Due		90 Days
or More
Past Due		Total
Past Due		CurrentTotal
Loans
Commercial$— $— $— $— $505,059 $505,059 
Real estate:
Construction, land and
land development— — — — 426,833 426,833 
1-4 family residential
first mortgages— — — — 93,122 93,122 
Home equity— — — — 26,088 26,088 
Commercial— — — — 1,929,766 1,929,766 
Consumer and other— — — — 23,374 23,374 
Total$— $— $— $— $3,004,242 $3,004,242 
Loan Credit Quality Indicators [Table Text Block]
The following tables present the amortized cost basis of loans by loan segment, credit quality indicator and origination year, and the current period gross write-off by loan segment and origination year, based on the analysis performed as of June 30, 2026 and December 31, 2025.


Term Loans by Origination Year
As of June 30, 202620262025202420232022PriorRevolving LoansTotal
Commercial
    Pass$54,944 $95,002 $41,168 $37,708 $47,904 $49,535 $129,240 $455,501 
    Watch50 1,723 305 245 178 5 600 3,106 
    Substandard— 749 — 137 — — 3,755 4,641 
  Doubtful— — — — — — — — 
     Total$54,994 $97,474 $41,473 $38,090 $48,082 $49,540 $133,595 $463,248 
Current period gross writeoffs$— $— $— $— $— $1 $— $1 
Real estate:
  Construction, land and land development
Pass$126,384 $60,250 $8,271 $46,581 $5,047 $598 $86,622 $333,753 
Watch— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total$126,384 $60,250 $8,271 $46,581 $5,047 $598 $86,622 $333,753 
Current period gross writeoffs$— $— $— $— $— $— $— $— 
  1-4 family residential first mortgages
Pass$21,573 $70,369 $5,170 $9,028 $15,475 $6,078 $1,118 $128,811 
Watch— — — 2,140 — — — 2,140 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total$21,573 $70,369 $5,170 $11,168 $15,475 $6,078 $1,118 $130,951 
Current period gross writeoffs$— $— $— $— $— $— $— $— 
  Home equity
Pass$1,178 $2,356 $287 $2,590 $125 $271 $19,192 $25,999 
Watch— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total$1,178 $2,356 $287 $2,590 $125 $271 $19,192 $25,999 
Current period gross writeoffs$— $— $— $— $— $— $— $— 
  Commercial
Pass$448,202 $270,556 $160,691 $111,160 $373,758 $557,848 $43,674 $1,965,889 
Watch— 475 1,391 — — — — 1,866 
Substandard3,016 1,209 624 — — 4,873 — 9,722 
Doubtful— — — — — — — — 
Total$451,218 $272,240 $162,706 $111,160 $373,758 $562,721 $43,674 $1,977,477 
Current period gross writeoffs$— $— $— $— $— $— $— $— 
Consumer and other
    Pass$88 $13,251 $58 $365 $24 $148 $7,413 $21,347 
    Watch— — — — — — — — 
    Substandard— — — — — — — — 
    Doubtful— — — — — — — — 
          Total$88 $13,251 $58 $365 $24 $148 $7,413 $21,347 
Current period gross writeoffs$18 $— $— $— $— $— $— $18 
Term Loans by Origination Year
As of December 31, 202520252024202320222021PriorRevolving LoansTotal
Commercial
    Pass$138,785 $50,820 $45,188 $60,692 $26,356 $43,088 $130,280 $495,209 
    Watch3,131 768 1,027 568 31 — 4,325 9,850 
    Substandard— — — — — — — — 
  Doubtful— — — — — — — — 
     Total$141,916 $51,588 $46,215 $61,260 $26,387 $43,088 $134,605 $505,059 
Current period gross writeoffs$— $— $— $— $— $— $— $— 
Real estate:
  Construction, land and land development
Pass$125,890 $15,669 $119,117 $73,287 $3,107 $125 $89,338 $426,533 
Watch300 — — — — — — 300 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total$126,190 $15,669 $119,117 $73,287 $3,107 $125 $89,338 $426,833 
Current period gross writeoffs$— $— $— $— $— $— $— $— 
  1-4 family residential first mortgages
Pass$36,210 $5,387 $10,563 $16,055 $11,858 $3,269 $1,143 $84,485 
Watch6,458 — 2,179 — — — — 8,637 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total$42,668 $5,387 $12,742 $16,055 $11,858 $3,269 $1,143 $93,122 
Current period gross writeoffs$— $— $— $— $— $27 $— $27 
  Home equity
Pass$2,581 $283 $2,618 $151 $368 $— $20,087 $26,088 
Watch— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total$2,581 $283 $2,618 $151 $368 $— $20,087 $26,088 
Current period gross writeoffs$— $— $— $— $8 $— $— $8 
  Commercial
Pass$322,398 $224,664 $132,918 $409,576 $400,372 $344,525 $61,988 $1,896,441 
Watch29,835 2,050 1,440 — — — — 33,325 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total$352,233 $226,714 $134,358 $409,576 $400,372 $344,525 $61,988 $1,929,766 
Current period gross writeoffs$— $— $— $— $— $— $— $— 
Consumer and other
    Pass$13,966 $100 $444 $36 $34 $130 $8,549 $23,259 
    Watch— — — — — — 115 115 
    Substandard— — — — — — — — 
    Doubtful— — — — — — — — 
          Total$13,966 $100 $444 $36 $34 $130 $8,664 $23,374 
Current period gross writeoffs$— $— $— $— $— $— $— $— 
Collateral dependent loans
The following table presents the amortized cost basis of collateral dependent loans, by primary collateral type, which are individually evaluated to determine expected credit losses, and the related ACL allocated to these loans as of June 30, 2026. There were none as of December 31, 2025.

As of June 30, 2026
Primary Type of Collateral
Real EstateBusiness AssetsOther TotalACL Allocation
Commercial$— $749 $— $749 $— 
Real estate:
Commercial624 — — 624 — 
Total$624 $749 $— $1,373 $—