| Schedule of Roll Forward of The Allowance for Loan Losses |
The following tables provide a roll-forward of the allowance for credit losses by loan category and nonaccrual loans with no allowance for credit losses for the periods presented: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and industrial | | Construction and land development | | Real Estate -
1-4 Family
Mortgage | | Commercial real estate - owner occupied | | Commercial real estate - non owner occupied | | Consumer | | Total | | Three Months Ended June 30, 2026 | | | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | | | Beginning balance | $ | 65,814 | | | $ | 36,969 | | | $ | 66,653 | | | $ | 37,441 | | | $ | 84,380 | | | $ | 4,605 | | | $ | 295,862 | | Initial allowance for credit losses on loans acquired during the period | 1,750 | | | — | | | — | | | — | | | — | | | — | | | 1,750 | | | Charge-offs | (2,223) | | | — | | | (402) | | | (227) | | | (176) | | | (319) | | | (3,347) | | | Recoveries | 382 | | | 2 | | | 133 | | | 7 | | | 18 | | | 35 | | | 577 | | | Net (charge-offs) recoveries | (1,841) | | | 2 | | | (269) | | | (220) | | | (158) | | | (284) | | | (2,770) | | | Provision for (recovery of) credit losses on loans | 1,634 | | | 2,914 | | | 453 | | | (1,274) | | | (2,463) | | | (98) | | | 1,166 | | | Ending balance | $ | 67,357 | | | $ | 39,885 | | | $ | 66,837 | | | $ | 35,947 | | | $ | 81,759 | | | $ | 4,223 | | | $ | 296,008 | | | Six Months Ended June 30, 2026 | | | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | | | Beginning balance | $ | 57,831 | | | $ | 31,359 | | | $ | 61,249 | | | $ | 38,961 | | | $ | 99,605 | | | $ | 4,950 | | | $ | 293,955 | | Initial allowance for credit losses on loans acquired during the period | 1,750 | | | — | | | — | | | — | | | — | | | — | | | 1,750 | | | Charge-offs | (3,293) | | | (1) | | | (927) | | | (1,363) | | | (374) | | | (649) | | | (6,607) | | | Recoveries | 532 | | | 2 | | | 159 | | | 683 | | | 81 | | | 63 | | | 1,520 | | | Net (charge-offs) recoveries | (2,761) | | | 1 | | | (768) | | | (680) | | | (293) | | | (586) | | | (5,087) | | | Provision for (recovery of) credit losses on loans | 10,537 | | | 8,525 | | | 6,356 | | | (2,334) | | | (17,553) | | | (141) | | | 5,390 | | | Ending balance | $ | 67,357 | | | $ | 39,885 | | | $ | 66,837 | | | $ | 35,947 | | | $ | 81,759 | | | $ | 4,223 | | | $ | 296,008 | | | | | | | | | | | | | | | | | Nonaccruing loans with no allowance for credit losses | $ | 22,859 | | | $ | 4,032 | | | $ | 2,312 | | | $ | 4,446 | | | $ | 28,062 | | | $ | — | | | $ | 61,711 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and industrial | | Construction and land development | | Real Estate -
1-4 Family
Mortgage | | Commercial real estate - owner occupied | | Commercial real estate - non owner occupied | | Consumer | | Total | | Three Months Ended June 30, 2025 | | | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | | | Beginning balance | $ | 41,884 | | | $ | 20,845 | | | $ | 48,101 | | | $ | 17,826 | | | $ | 68,781 | | | $ | 6,494 | | | $ | 203,931 | | | Initial impact of purchased credit deteriorated loans acquired during the period | 7,140 | | | 2,185 | | | 203 | | | 4,059 | | | 9,904 | | | 2 | | | 23,493 | | | Charge-offs | (8,217) | | | (105) | | | (319) | | | — | | | (3,944) | | | (394) | | | (12,979) | | | Recoveries | 631 | | | — | | | 37 | | | 56 | | | 60 | | | 141 | | | 925 | | | Net (charge-offs) recoveries | (7,586) | | | (105) | | | (282) | | | 56 | | | (3,884) | | | (253) | | | (12,054) | | | Provision for (recovery of) credit losses on loans | 19,972 | | | 7,369 | | | 13,150 | | | 9,186 | | | 25,866 | | | (143) | | | 75,400 | | | Ending balance | $ | 61,410 | | | $ | 30,294 | | | $ | 61,172 | | | $ | 31,127 | | | $ | 100,667 | | | $ | 6,100 | | | $ | 290,770 | | | Six Months Ended June 30, 2025 | | | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | | | Beginning balance | $ | 41,864 | | | $ | 19,200 | | | $ | 45,498 | | | $ | 16,993 | | | $ | 71,664 | | | $ | 6,537 | | | $ | 201,756 | | | Initial impact of purchased credit deteriorated loans acquired during the period | 7,140 | | | 2,185 | | | 203 | | | 4,059 | | | 9,904 | | | 2 | | | 23,493 | | | Charge-offs | (8,310) | | | (106) | | | (628) | | | — | | | (4,405) | | | (659) | | | (14,108) | | | Recoveries | 1,597 | | | 1 | | | 70 | | | 58 | | | 64 | | | 389 | | | 2,179 | | | Net (charge-offs) recoveries | (6,713) | | | (105) | | | (558) | | | 58 | | | (4,341) | | | (270) | | | (11,929) | | | Provision for (recovery of) credit losses on loans | 19,119 | | | 9,014 | | | 16,029 | | | 10,017 | | | 23,440 | | | (169) | | | 77,450 | | | Ending balance | $ | 61,410 | | | $ | 30,294 | | | $ | 61,172 | | | $ | 31,127 | | | $ | 100,667 | | | $ | 6,100 | | | $ | 290,770 | | | | | | | | | | | | | | | | | Nonaccruing loans with no allowance for credit losses | $ | 899 | | | $ | 2,331 | | | $ | 4,275 | | | $ | 4,700 | | | $ | 9,663 | | | $ | — | | | $ | 21,868 | |
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| Scheduled Of Collateral Dependent Loans Type of Collateral and Allowance For Credit Losses |
The following tables present collateral dependent loans by loan portfolio segment and by type of collateral along with the related allowance for credit losses: | | | | | | | | | | | | | | | | | | | Collateral Type | | | | | June 30, 2026 | Real Estate | Other | Total | | Allowance for Credit Losses | | Commercial and industrial | $ | — | | $ | 46,939 | | $ | 46,939 | | | $ | 9,302 | | | Construction and land development | | | | | | | Residential | 1,937 | | — | | 1,937 | | | — | | | Other | 2,095 | | — | | 2,095 | | | — | | | Total construction and land development | 4,032 | | — | | 4,032 | | | — | | | Real estate - 1-4 family mortgage | | | | | | | First lien | 2,312 | | — | | 2,312 | | | — | | | Junior lien | — | | — | | — | | | — | | | Home equity | 500 | | — | | 500 | | | — | | | Total real estate – 1-4 family mortgage | 2,812 | | — | | 2,812 | | | — | | | Commercial real estate - owner occupied | 12,665 | | — | | 12,665 | | | 3,116 | | | Commercial real estate - non-owner occupied | | | | | | | Multi family | — | | — | | — | | | — | | | Other | 42,411 | | — | | 42,411 | | | 5,745 | | | Total commercial real estate - non-owner occupied | 42,411 | | — | | 42,411 | | | 5,745 | | | Consumer | — | | — | | — | | | — | | | Loans, net of unearned income | $ | 61,920 | | $ | 46,939 | | $ | 108,859 | | | $ | 18,163 | |
| | | | | | | | | | | | | | | | | | | Collateral Type | | | | | December 31, 2025 | Real Estate | Other | Total | | Allowance for Credit Losses | | Commercial and industrial | $ | — | | $ | 46,860 | | $ | 46,860 | | | $ | 4,502 | | | Construction and land development | | | | | | | Residential | 2,033 | | — | | 2,033 | | | — | | | Other | 10,575 | | — | | 10,575 | | | 1,887 | | | Total construction and land development | 12,608 | | — | | 12,608 | | | 1,887 | | | Real estate - 1-4 family mortgage | | | | | | | First lien | 3,263 | | — | | 3,263 | | | 116 | | | Junior lien | — | | — | | — | | | — | | | Home equity | 500 | | — | | 500 | | | — | | | Total real estate – 1-4 family mortgage | 3,763 | | — | | 3,763 | | | 116 | | | Commercial real estate - owner occupied | 21,165 | | — | | 21,165 | | | 3,661 | | | Commercial real estate - non-owner occupied | | | | | | | Multi family | — | | — | | — | | | — | | | Other | 48,049 | | — | | 48,049 | | | 10,999 | | | Total commercial real estate - non-owner occupied | 48,049 | | — | | 48,049 | | | 10,999 | | | Consumer | — | | 270 | | 270 | | | 270 | | | Loans, net of unearned income | $ | 85,585 | | $ | 47,130 | | $ | 132,715 | | | $ | 21,435 | |
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