| Schedule of changes in the allowance for credit losses for loans held for investment, distributed by portfolio segment |
Changes in the allowance for credit losses for loans held for investment, distributed by portfolio segment, are shown below (in thousands). | | | | | | | | | | | | | | | | | | Balance, | | Provision for | | | | Recoveries on | | Balance, | | | Beginning of | | (Reversal of) | | Loans | | Charged Off | | End of | Three Months Ended June 30, 2026 | | Period | | Credit Losses | | Charged Off | | Loans | | Period | Commercial real estate: | | | | | | | | | | | | | | | | Non-owner occupied | | $ | 22,303 | | $ | 2,143 | | $ | — | | $ | — | | $ | 24,446 | Owner occupied | | | 33,880 | | | (2,855) | | | — | | | — | | | 31,025 | Commercial and industrial | | | 21,934 | | | (422) | | | (3,362) | | | 251 | | | 18,401 | Construction and land development | | | 6,342 | | | (357) | | | — | | | — | | | 5,985 | 1-4 family residential | | | 4,156 | | | 330 | | | (26) | | | 4 | | | 4,464 | Consumer | | | 350 | | | 134 | | | (52) | | | 18 | | | 450 | Broker-dealer | | | 32 | | | 53 | | | — | | | — | | | 85 | Total | | $ | 88,997 | | $ | (974) | | $ | (3,440) | | $ | 273 | | $ | 84,856 |
| | | | | | | | | | | | | | | | | | Balance, | | Provision for | | | | Recoveries on | | Balance, | | | Beginning of | | (Reversal of) | | Loans | | Charged Off | | End of | Six Months Ended June 30, 2026 | | Period | | Credit Losses | | Charged Off | | Loans | | Period | Commercial real estate: | | | | | | | | | | | | | | | | Non-owner occupied | | $ | 24,265 | | $ | 181 | | $ | — | | $ | — | | $ | 24,446 | Owner occupied | | | 34,035 | | | (3,010) | | | — | | | — | | | 31,025 | Commercial and industrial | | | 21,280 | | | 4,188 | | | (7,662) | | | 595 | | | 18,401 | Construction and land development | | | 7,398 | | | (1,276) | | | (137) | | | — | | | 5,985 | 1-4 family residential | | | 4,136 | | | 505 | | | (237) | | | 60 | | | 4,464 | Consumer | | | 397 | | | 144 | | | (144) | | | 53 | | | 450 | Broker-dealer | | | 26 | | | 59 | | | — | | | — | | | 85 | Total | | $ | 91,537 | | $ | 791 | | $ | (8,180) | | $ | 708 | | $ | 84,856 |
| | | | | | | | | | | | | | | | | | Balance, | | Provision for | | | | Recoveries on | | Balance, | | | Beginning of | | (Reversal of) | | Loans | | Charged Off | | End of | Three Months Ended June 30, 2025 | | Period | | Credit Losses | | Charged Off | | Loans | | Period | Commercial real estate: | | | | | | | | | | | | | | | | Non-owner occupied | | $ | 34,703 | | $ | (6,866) | | $ | — | | $ | — | | $ | 27,837 | Owner occupied | | | 35,370 | | | (1,226) | | | — | | | 10 | | | 34,154 | Commercial and industrial | | | 23,350 | | | 258 | | | (743) | | | 150 | | | 23,015 | Construction and land development | | | 7,291 | | | 319 | | | (269) | | | — | | | 7,341 | 1-4 family residential | | | 4,988 | | | 57 | | | — | | | 12 | | | 5,057 | Consumer | | | 479 | | | 115 | | | (95) | | | 39 | | | 538 | Broker-dealer | | | 16 | | | 3 | | | — | | | — | | | 19 | Total | | $ | 106,197 | | $ | (7,340) | | $ | (1,107) | | $ | 211 | | $ | 97,961 |
| | | | | | | | | | | | | | | | | | Balance, | | Provision for | | | | Recoveries on | | Balance, | | | Beginning of | | (Reversal of) | | Loans | | Charged Off | | End of | Six Months Ended June 30, 2025 | | Period | | Credit Losses | | Charged Off | | Loans | | Period | Commercial real estate: | | | | | | | | | | | | | | | | Non-owner occupied | | $ | 29,310 | | $ | (555) | | $ | (918) | | $ | — | | $ | 27,837 | Owner occupied | | | 33,112 | | | 1,024 | | | — | | | 18 | | | 34,154 | Commercial and industrial | | | 25,609 | | | 1,310 | | | (4,175) | | | 271 | | | 23,015 | Construction and land development | | | 7,161 | | | 449 | | | (269) | | | — | | | 7,341 | 1-4 family residential | | | 5,327 | | | (290) | | | — | | | 20 | | | 5,057 | Consumer | | | 547 | | | 91 | | | (162) | | | 62 | | | 538 | Broker-dealer | | | 50 | | | (31) | | | — | | | — | | | 19 | Total | | $ | 101,116 | | $ | 1,998 | | $ | (5,524) | | $ | 371 | | $ | 97,961 |
|
| Schedule of changes in the allowance for credit losses for loans with off-balance sheet credit exposures |
Changes in the allowance for credit losses for loans with off-balance sheet credit exposures are shown below (in thousands). | | | | | | | | | | | | | | | Three Months Ended June 30, | | Six Months Ended June 30, | | | 2026 | | 2025 | | 2026 | | 2025 | Balance, beginning of period | | $ | 8,238 | | $ | 7,953 | | $ | 9,402 | | $ | 7,918 | Other noninterest expense | | | (949) | | | 1,161 | | | (2,113) | | | 1,196 | Balance, end of period | | $ | 7,289 | | $ | 9,114 | | $ | 7,289 | | $ | 9,114 |
|