
(In thousands)	06/30/2026		12/31/2025
Commercial and industrial
Agriculture	$	117,956	$	114,475
Commercial and industrial other	1,073,179		986,173
Subtotal commercial and industrial	1,191,135		1,100,648
Commercial real estate
Construction	465,776		448,901
Agriculture	240,974		234,292
Commercial real estate other	3,002,459		2,978,842
Subtotal commercial real estate	3,709,209		3,662,035
Residential real estate
Home equity	243,648		227,654
Mortgages	1,363,611		1,363,532
Subtotal residential real estate	1,607,259		1,591,186
Consumer and other
Indirect	42		68
Consumer and other	84,316		86,399
Subtotal consumer and other	84,358		86,467
Leases	8,903		10,413
Total loans and leases	6,600,864		6,450,749
Less: unearned income and deferred costs and fees	(3,686)		(4,504)
Total loans and leases, net of unearned income and deferred costs and fees	$	6,597,178	$	6,446,245

The Company has adopted comprehensive lending policies, underwriting standards and loan review procedures. Management reviews these policies and procedures on a regular basis. The Company discussed its lending policies and underwriting guidelines for its various lending portfolios in Note 4 – "Loans and Leases" in the Notes to Consolidated Financial Statements contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025. There have been no significant changes in these policies and guidelines since the date of that report. The Company’s Board of Directors approves the lending policies at least annually. The Company recognizes that exceptions to policy guidelines may occasionally occur and has established procedures for approving exceptions to these policy guidelines. Management has also implemented reporting systems to monitor loan origination, loan quality, concentrations of credit, loan delinquencies and nonperforming loans and potential problem loans.

Loans are considered past due if the required principal and interest payments have not been received as of the date such payments are due. Generally loans are placed on nonaccrual status if principal or interest payments become 90 days or more contractually past due and/or management deems the collectability of the principal and/or interest to be in question as well as when required by regulatory agencies. When interest accrual is discontinued, all unpaid accrued interest is reversed. Payments received on loans on nonaccrual are generally applied to reduce the principal balance of the loan. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current, the borrower has established a payment history, and future payments are reasonably assured. When management determines that the collection of principal in full is not probable, management will charge-off a partial amount or full amount of the loan balance. Management considers specific facts and circumstances relative to each individual credit in making such a determination. For residential and consumer loans, management uses specific regulatory guidance and thresholds for determining charge-offs.


(In thousands)	30-59 Days		60-89 Days		90 Days or More		Total Past Due		Current Loans		Total Loans
June 30, 2026

Commercial and industrial
Agriculture	$	0	$	30	$	163	$	193	$	117,763	$	117,956
Commercial and industrial other	581		976		7,520		9,077		1,064,102		1,073,179
Subtotal commercial and industrial	581		1,006		7,683		9,270		1,181,865		1,191,135
Commercial real estate
Construction	0		0		0		0		465,776		465,776
Agriculture	62		606		0		668		240,306		240,974
Commercial real estate other	0		73		21,241		21,314		2,981,145		3,002,459
Subtotal commercial real estate	62		679		21,241		21,982		3,687,227		3,709,209
Residential real estate
Home equity	650		141		2,672		3,463		240,185		243,648
Mortgages	0		1,283		9,941		11,224		1,352,387		1,363,611
Subtotal residential real estate	650		1,424		12,613		14,687		1,592,572		1,607,259
Consumer and other
Indirect	0		0		0		0		42		42
Consumer and other	198		66		138		402		83,914		84,316
Subtotal consumer and other	198		66		138		402		83,956		84,358
Leases	0		0		0		0		8,903		8,903
Total loans and leases	1,491		3,175		41,675		46,341		6,554,523		6,600,864
Less: unearned income and deferred costs and fees	0		0		0		0		(3,686)		(3,686)
Total loans and leases, net of unearned income and deferred costs and fees	$	1,491	$	3,175	$	41,675	$	46,341	$	6,550,837	$	6,597,178


(In thousands)	30-59 Days		60-89 Days		90 Days or More		Total Past Due		Current Loans		Total Loans
December 31, 2025

Commercial and industrial
Agriculture	$	4	$	0	$	0	$	4	$	114,471	$	114,475
Commercial and industrial other	1,818		1,543		5,136		8,497		977,676		986,173
Subtotal commercial and industrial	1,822		1,543		5,136		8,501		1,092,147		1,100,648
Commercial real estate
Construction	0		0		17,302		17,302		431,599		448,901
Agriculture	69		0		0		69		234,223		234,292
Commercial real estate other	474		775		4,507		5,756		2,973,086		2,978,842
Subtotal commercial real estate	543		775		21,809		23,127		3,638,908		3,662,035
Residential real estate
Home equity	1,286		107		2,040		3,433		224,221		227,654
Mortgages	0		2,331		8,225		10,556		1,352,976		1,363,532
Subtotal residential real estate	1,286		2,438		10,265		13,989		1,577,197		1,591,186
Consumer and other
Indirect	0		0		0		0		68		68
Consumer and other	295		104		191		590		85,809		86,399
Subtotal consumer and other	295		104		191		590		85,877		86,467
Leases	0		0		0		0		10,413		10,413
Total loans and leases	3,946		4,860		37,401		46,207		6,404,542		6,450,749
Less: unearned income and deferred costs and fees	0		0		0		0		(4,504)		(4,504)
Total loans and leases, net of unearned income and deferred costs and fees	$	3,946	$	4,860	$	37,401	$	46,207	$	6,400,038	$	6,446,245

The following tables present the amortized cost basis of loans and leases on nonaccrual status and the amortized cost basis of loans on nonaccrual status for which there was no related allowance for credit losses. The below tables are an age analysis of nonaccrual loans segregated by class of loans and leases, as of June 30, 2026 and December 31, 2025:


(In thousands)	Nonaccrual Loans and Leases with no ACL		Nonaccrual Loans and Leases		Loans and Leases Past Due Over 89 Days and Accruing		Nonaccrual Loans and Leases with no ACL		Nonaccrual Loans and Leases		Loans and Leases Past Due Over 89 Days and Accruing
	June 30, 2026						December 31, 2025

Commercial and industrial
Agriculture	$	0	$	163	$	0	$	0	$	0	$	0
Commercial and industrial other	6,175		10,253		0		4,565		8,305		0
Subtotal commercial and industrial	6,175		10,416		0		4,565		8,305		0
Commercial real estate
Construction	1,325		1,325		0		0		17,303		0
Agriculture	0		63		0		0		92		0
Commercial real estate other	1,766		22,560		0		1,463		5,469		0
Subtotal commercial real estate	3,091		23,948		0		1,463		22,864		0
Residential real estate
Home equity	42		3,171		0		232		2,624		0
Mortgages	1,428		14,836		1		1,570		13,931		1
Subtotal residential real estate	1,470		18,007		1		1,802		16,555		1
Consumer and other

Consumer and other	0		55		121		0		70		145
Subtotal consumer and other	0		55		121		0		70		145

Total loans and leases	$	10,736	$	52,426	$	122	$	7,830	$	47,794	$	146