| Schedule of Originated and Acquired Credit Losses by Portfolio Segment |
The following tables detail activity in the allowance for credit losses on loans and leases for the three and six months ended June 30, 2026 and 2025. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. | | | | | | | | | | | | | | | | | | | | | | (In thousands) | Commercial
& Industrial | Commercial
Real Estate | Residential
Real Estate | Consumer
and Other | Finance
Leases | Total | | Three Months Ended June 30, 2026 | | | | | | Allowance for credit losses: | | Beginning balance | $ | 10,723 | $ | 35,568 | $ | 10,566 | $ | 1,191 | $ | 60 | $ | 58,108 | | Charge-offs | (790) | 0 | (682) | (424) | 0 | (1,896) | | Recoveries | 102 | 0 | 76 | 127 | 0 | 305 | | Provision (credit) for credit loss expense | 1,397 | 267 | 90 | 211 | (3) | 1,962 | | Ending Balance | $ | 11,432 | $ | 35,835 | $ | 10,050 | $ | 1,105 | $ | 57 | $ | 58,479 | | Three Months Ended June 30, 2025 | | | | | | Allowance for credit losses: | | | | | | | Beginning balance | $ | 8,618 | $ | 39,308 | | $ | 11,542 | | $ | 1,497 | | $ | 58 | | $ | 61,023 | | | Charge-offs | (13) | (4,882) | | 0 | | (518) | | 0 | | (5,413) | | | Recoveries | 9 | 2 | | 8 | | 140 | | 0 | | 159 | | | Provision (credit) for credit loss expense | 546 | 1,337 | | 515 | | 390 | | (2) | | 2,786 | | | Ending Balance | $ | 9,160 | $ | 35,765 | | $ | 12,065 | | $ | 1,509 | | $ | 56 | | $ | 58,555 | |
| | | | | | | | | | | | | | | | | | | | | | (In thousands) | Commercial
& Industrial | Commercial
Real Estate | Residential
Real Estate | Consumer
and Other | Finance
Leases | Total | | Six Months Ended June 30, 2026 | | | | | | Allowance for credit losses: | | | | | | | Beginning balance | $ | 10,234 | $ | 35,255 | | $ | 10,893 | | $ | 1,230 | | $ | 59 | | $ | 57,671 | | | | | | | | | | Charge-offs | (1,126) | 0 | | (932) | | (840) | | 0 | | (2,898) | | | Recoveries | 119 | 6 | | 139 | | 268 | | 0 | | 532 | | | Provision (credit) for credit loss expense | 2,205 | 574 | | (50) | | 447 | | (2) | | 3,174 | | | Ending Balance | $ | 11,432 | $ | 35,835 | | $ | 10,050 | | $ | 1,105 | | $ | 57 | | $ | 58,479 | | | Six Months Ended June 30, 2025 | | | | | | Allowance for credit losses: | | | | | | | Beginning balance | $ | 7,684 | $ | 35,837 | | $ | 11,345 | | $ | 1,568 | | $ | 62 | | $ | 56,496 | | | | | | | | | | Charge-offs | (198) | (4,882) | | 0 | | (1,297) | | 0 | | (6,377) | | | Recoveries | 51 | 4 | | 35 | | 300 | | 0 | | 390 | | | Provision (credit) for credit loss expense | 1,623 | 4,806 | | 685 | | 938 | | (6) | | 8,046 | | | Ending Balance | $ | 9,160 | $ | 35,765 | | $ | 12,065 | | $ | 1,509 | | $ | 56 | | $ | 58,555 | |
The following tables detail activity in the liabilities for off-balance sheet credit exposures for the three and six months ended June 30, 2026 and 2025: | | | | | | | | | | (In thousands) | 2026 | 2025 | | Three Months Ended June 30, | | Liabilities for off-balance sheet credit exposures at beginning of period | $ | 1,723 | | $ | 1,490 | | | Provision (Credit) for credit loss expense related to off-balance sheet credit exposures | (460) | | (6) | | | Liabilities for off-balance sheet credit exposures at end of period | $ | 1,263 | | $ | 1,484 | | | Six Months Ended June 30, | | | | Liabilities for off-balance sheet credit exposures at beginning of period | $ | 1,433 | | $ | 1,463 | | | | | | Provision (Credit) for credit loss expense related to off-balance sheet credit exposures | (170) | | 21 | | | Liabilities for off-balance sheet credit exposures at end of period | $ | 1,263 | | $ | 1,484 | |
The following tables present the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans, as of June 30, 2026 and December 31, 2025: | | | | | | | | | | | | | | | | | | | (In thousands) | Real Estate | Business Assets | Other | Total | ACL Allocation | | June 30, 2026 | | | | | | | Commercial and Industrial | $ | 3,236 | | $ | 4,989 | | $ | 0 | | $ | 8,225 | | $ | 1,055 | | | Commercial Real Estate | 22,121 | | 0 | | 0 | | 22,121 | | 880 | | | | | | | | | | | | | | | Total Loans and Leases | $ | 25,357 | | $ | 4,989 | | $ | 0 | | $ | 30,346 | | $ | 1,935 | | | December 31, 2025 | | | | | | | Commercial and Industrial | $ | 482 | | $ | 4,565 | | $ | 0 | | $ | 5,047 | | $ | 250 | | | Commercial Real Estate | 21,052 | | 0 | | 0 | | 21,052 | | 1,178 | | | | | | | | | | | | | | | Total Loans and Leases | $ | 21,534 | | $ | 4,565 | | $ | 0 | | $ | 26,099 | | $ | 1,428 | |
|
| Schedule of Credit Quality Indicators on Loans by Class of Commercial and Industrial Loans and Commercial Real Estate Loans |
The following tables present credit quality indicators by total loans on an amortized cost basis by origination year as of June 30, 2026 and December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | | | | | | | | | (In thousands) | 2026 | 2025 | 2024 | 2023 | 2022 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans | | Commercial and Industrial - Other: | | | | | | | | Pass | $ | 119,163 | | $ | 160,508 | | $ | 102,034 | | $ | 66,515 | | $ | 45,778 | | $ | 140,814 | | $ | 377,022 | | $ | 21,708 | | $ | 1,033,542 | | | Special Mention | 0 | | 285 | | 1,190 | | 62 | | 12 | | 1,315 | | 24,823 | | 627 | | 28,314 | | | Substandard | 0 | | 55 | | 941 | | 1,301 | | 1,058 | | 1,043 | | 6,925 | | 0 | | 11,323 | | | Total Commercial and Industrial - Other | $ | 119,163 | | $ | 160,848 | | $ | 104,165 | | $ | 67,878 | | $ | 46,848 | | $ | 143,172 | | $ | 408,770 | | $ | 22,335 | | $ | 1,073,179 | | | Current-period gross writeoffs | $ | 0 | | $ | 223 | | $ | 496 | | $ | 250 | | $ | 451 | | $ | 96 | | $ | 0 | | $ | 0 | | $ | 1,516 | | | Commercial and Industrial - Agriculture: | | | | | | | | Pass | $ | 13,343 | | $ | 9,327 | | $ | 7,834 | | $ | 22,134 | | $ | 6,381 | | $ | 4,202 | | $ | 54,349 | | $ | 314 | | $ | 117,884 | | | Special Mention | 0 | | 0 | | 0 | | 0 | | 0 | | 14 | | 0 | | 0 | | 14 | | | Substandard | 0 | | 22 | | 0 | | 0 | | 3 | | 17 | | 16 | | 0 | | 58 | | | Total Commercial and Industrial - Agriculture | $ | 13,343 | | $ | 9,349 | | $ | 7,834 | | $ | 22,134 | | $ | 6,384 | | $ | 4,233 | | $ | 54,365 | | $ | 314 | | $ | 117,956 | | | Current-period gross writeoffs | $ | 0 | | $ | 50 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 50 | | | Commercial Real Estate | | | | | | | | Pass | $ | 111,679 | | $ | 412,690 | | $ | 324,192 | | $ | 258,522 | | $ | 289,184 | | $ | 1,483,571 | | $ | 13,735 | | $ | 14,594 | | $ | 2,908,167 | | | Special Mention | 0 | | 8,280 | | 0 | | 7,422 | | 7,356 | | 27,655 | | 0 | | 0 | | 50,713 | | | Substandard | 0 | | 0 | | 1,442 | | 926 | | 1,701 | | 21,519 | | 689 | | 17,302 | | 43,579 | | | Total Commercial Real Estate | $ | 111,679 | | $ | 420,970 | | $ | 325,634 | | $ | 266,870 | | $ | 298,241 | | $ | 1,532,745 | | $ | 14,424 | | $ | 31,896 | | $ | 3,002,459 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 98 | | $ | 0 | | $ | 394 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 492 | | | Commercial Real Estate - Agriculture: | | | | | | | | Pass | $ | 16,595 | | $ | 27,762 | | $ | 24,145 | | $ | 10,980 | | $ | 39,194 | | $ | 114,313 | | $ | 5,728 | | $ | 2,025 | | $ | 240,742 | | | Special Mention | 0 | | 0 | | 0 | | 0 | | 0 | | 137 | | 0 | | 0 | | 137 | | | Substandard | 0 | | 0 | | 0 | | 0 | | 0 | | 95 | | 0 | | 0 | | 95 | | | Total Commercial Real Estate - Agriculture | $ | 16,595 | | $ | 27,762 | | $ | 24,145 | | $ | 10,980 | | $ | 39,194 | | $ | 114,545 | | $ | 5,728 | | $ | 2,025 | | $ | 240,974 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | | Commercial Real Estate - Construction | | | | | | | | Pass | $ | 0 | | $ | 3,228 | | $ | 31,423 | | $ | 53,580 | | $ | 18,171 | | $ | 14,417 | | $ | 328,773 | | $ | 10,406 | | $ | 459,998 | | | Special Mention | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 4,453 | | 0 | | 4,453 | | | Substandard | 0 | | 0 | | 1,325 | | 0 | | 0 | | 0 | | 0 | | 0 | | 1,325 | | | Total Commercial Real Estate - Construction | $ | 0 | | $ | 3,228 | | $ | 32,748 | | $ | 53,580 | | $ | 18,171 | | $ | 14,417 | | $ | 333,226 | | $ | 10,406 | | $ | 465,776 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (In thousands) | 2026 | 2025 | 2024 | 2023 | 2022 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans | | Residential - Home Equity | | | | | | | | | Performing | $ | 947 | | $ | 1,468 | | $ | 743 | | $ | 1,229 | | $ | 1,147 | | $ | 16,658 | | $ | 216,891 | | $ | 1,394 | | $ | 240,477 | | | Nonperforming | 0 | | 0 | | 0 | | 0 | | 0 | | 1,438 | | 1,733 | | 0 | | 3,171 | | | Total Residential - Home Equity | $ | 947 | | $ | 1,468 | | $ | 743 | | $ | 1,229 | | $ | 1,147 | | $ | 18,096 | | $ | 218,624 | | $ | 1,394 | | $ | 243,648 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | | Residential - Mortgages | | | | | | | | | Performing | $ | 58,368 | | $ | 111,963 | | $ | 98,349 | | $ | 115,060 | | $ | 153,980 | | $ | 811,055 | | $ | 0 | | $ | 0 | | $ | 1,348,775 | | | Nonperforming | 0 | | 273 | | 523 | | 658 | | 815 | | 12,567 | | 0 | | 0 | | 14,836 | | | Total Residential - Mortgages | $ | 58,368 | | $ | 112,236 | | $ | 98,872 | | $ | 115,718 | | $ | 154,795 | | $ | 823,622 | | $ | 0 | | $ | 0 | | $ | 1,363,611 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | | Consumer - Direct | | | | | | | | | Performing | $ | 21,586 | | $ | 19,263 | | $ | 8,868 | | $ | 9,332 | | $ | 6,375 | | $ | 16,726 | | $ | 2,111 | | $ | 0 | | $ | 84,261 | | | Nonperforming | 0 | | 7 | | 13 | | 13 | | 6 | | 14 | | 2 | | 0 | | 55 | | | Total Consumer - Direct | $ | 21,586 | | $ | 19,270 | | $ | 8,881 | | $ | 9,345 | | $ | 6,381 | | $ | 16,740 | | $ | 2,113 | | $ | 0 | | $ | 84,316 | | | Current-period gross writeoffs | $ | 647 | | $ | 70 | | $ | 50 | | $ | 10 | | $ | 20 | | $ | 43 | | $ | 0 | | $ | 0 | | $ | 840 | | | Consumer - Indirect | | | | | | | | | Performing | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 42 | | $ | 0 | | $ | 0 | | $ | 42 | | | Nonperforming | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | | Total Consumer - Indirect | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 42 | | $ | 0 | | $ | 0 | | $ | 42 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | | | | | | | | | (In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans | | Commercial and Industrial - Other: | | | | | | | | | Pass | $ | 178,999 | | $ | 111,528 | | $ | 81,883 | | $ | 73,977 | | $ | 37,104 | | $ | 126,706 | | $ | 316,314 | | $ | 8,606 | | $ | 935,117 | | | Special Mention | 9,871 | | 9,447 | | 90 | | 1,154 | | 178 | | 1,468 | | 21,037 | | 0 | | 43,245 | | | Substandard | 0 | | 423 | | 1,433 | | 0 | | 390 | | 192 | | 5,032 | | 341 | | 7,811 | | | Total Commercial and Industrial - Other | $ | 188,870 | | $ | 121,398 | | $ | 83,406 | | $ | 75,131 | | $ | 37,672 | | $ | 128,366 | | $ | 342,383 | | $ | 8,947 | | $ | 986,173 | | | Current-period gross writeoffs | $ | 526 | | $ | 597 | | $ | 85 | | $ | 66 | | $ | 254 | | $ | 13 | | $ | 0 | | $ | 0 | | $ | 1,541 | | | Commercial and Industrial - Agriculture: | | | | | | | | Pass | $ | 11,890 | | $ | 9,337 | | $ | 24,659 | | $ | 7,539 | | $ | 1,418 | | $ | 3,852 | | $ | 55,263 | | $ | 470 | | $ | 114,428 | | | Special Mention | 0 | | 0 | | 0 | | 0 | | 22 | | 25 | | 0 | | 0 | | 47 | | | Substandard | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | | Total Commercial and Industrial - Agriculture | $ | 11,890 | | $ | 9,337 | | $ | 24,659 | | $ | 7,539 | | $ | 1,440 | | $ | 3,877 | | $ | 55,263 | | $ | 470 | | $ | 114,475 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | | Commercial Real Estate | | | | | | | | | | Pass | $ | 409,529 | | $ | 320,178 | | $ | 256,566 | | $ | 310,051 | | $ | 374,436 | | $ | 1,204,064 | | $ | 19,291 | | $ | 19,216 | | $ | 2,913,331 | | | Special Mention | 6,500 | | 305 | | 927 | | 1,961 | | 1,362 | | 45,932 | | 0 | | 0 | | 56,987 | | | Substandard | 0 | | 399 | | 927 | | 1,149 | | 1,461 | | 3,804 | | 784 | | 0 | | 8,524 | | | Total Commercial Real Estate | $ | 416,029 | | $ | 320,882 | | $ | 258,420 | | $ | 313,161 | | $ | 377,259 | | $ | 1,253,800 | | $ | 20,075 | | $ | 19,216 | | $ | 2,978,842 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 2,000 | | $ | 5,310 | | $ | 0 | | $ | 0 | | $ | 7,310 | | | Commercial Real Estate - Agriculture: | | | | | | | | | Pass | $ | 26,485 | | $ | 23,114 | | $ | 11,133 | | $ | 41,082 | | $ | 20,087 | | $ | 103,609 | | $ | 4,488 | | $ | 4,026 | | $ | 234,024 | | | Special Mention | 0 | | 0 | | 0 | | 0 | | 0 | | 141 | | 0 | | 0 | | 141 | | | Substandard | 0 | | 0 | | 0 | | 0 | | 0 | | 127 | | 0 | | 0 | | 127 | | | Total Commercial Real Estate - Agriculture | $ | 26,485 | | $ | 23,114 | | $ | 11,133 | | $ | 41,082 | | $ | 20,087 | | $ | 103,877 | | $ | 4,488 | | $ | 4,026 | | $ | 234,292 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | | Commercial Real Estate - Construction | | | | | | | | Pass | $ | 0 | | $ | 13,222 | | $ | 30,274 | | $ | 1,542 | | $ | 15,688 | | $ | 349 | | $ | 344,568 | | $ | 25,659 | | $ | 431,302 | | | Special Mention | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 297 | | 0 | | 297 | | | Substandard | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 17,302 | | 0 | | 17,302 | | | Total Commercial Real Estate - Construction | $ | 0 | | $ | 13,222 | | $ | 30,274 | | $ | 1,542 | | $ | 15,688 | | $ | 349 | | $ | 362,167 | | $ | 25,659 | | $ | 448,901 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans | | Residential - Home Equity | | | | | | | | Performing | $ | 1,613 | | $ | 767 | | $ | 1,448 | | $ | 1,309 | | $ | 795 | | $ | 17,309 | | $ | 200,118 | | $ | 1,671 | | $ | 225,030 | | | Nonperforming | 0 | | 0 | | 0 | | 0 | | 0 | | 1,382 | | 1,242 | | 0 | | 2,624 | | | Total Residential - Home Equity | $ | 1,613 | | $ | 767 | | $ | 1,448 | | $ | 1,309 | | $ | 795 | | $ | 18,691 | | $ | 201,360 | | $ | 1,671 | | $ | 227,654 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | | Residential - Mortgages | | | | | | | | | Performing | $ | 113,023 | | $ | 104,677 | | $ | 120,785 | | $ | 160,682 | | $ | 220,793 | | $ | 629,641 | | $ | 0 | | $ | 0 | | $ | 1,349,601 | | | Nonperforming | 103 | | 294 | | 878 | | 982 | | 1,037 | | 10,637 | | 0 | | 0 | | 13,931 | | | Total Residential - Mortgages | $ | 113,126 | | $ | 104,971 | | $ | 121,663 | | $ | 161,664 | | $ | 221,830 | | $ | 640,278 | | $ | 0 | | $ | 0 | | $ | 1,363,532 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | | Consumer - Direct | | | | | | | | | | Performing | $ | 34,987 | | $ | 11,109 | | $ | 11,207 | | $ | 7,430 | | $ | 6,887 | | $ | 12,427 | | $ | 2,282 | | $ | 0 | | $ | 86,329 | | | Nonperforming | 0 | | 0 | | 2 | | 21 | | 0 | | 40 | | 7 | | 0 | | 70 | | | Total Consumer - Direct | $ | 34,987 | | $ | 11,109 | | $ | 11,209 | | $ | 7,451 | | $ | 6,887 | | $ | 12,467 | | $ | 2,289 | | $ | 0 | | $ | 86,399 | | | Current-period gross writeoffs | $ | 2,220 | | $ | 15 | | $ | 17 | | $ | 17 | | $ | 20 | | $ | 55 | | $ | 0 | | $ | 0 | | $ | 2,344 | | | Consumer - Indirect | | | | | | | | | Performing | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 17 | | $ | 51 | | $ | 0 | | $ | 0 | | $ | 68 | | | Nonperforming | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | 0 | | | Total Consumer - Indirect | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 17 | | $ | 51 | | $ | 0 | | $ | 0 | | $ | 68 | | | Current-period gross writeoffs | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 15 | | $ | 0 | | $ | 0 | | $ | 15 | |
|