| Summary of Company's Allowance for Loan Losses ("ALL") and Recorded Investment in Loans |
The tables below detail the Company’s allowance for credit losses as of the dates shown: | | | | | | | | | | | | | | | | | | Three months ended June 30, 2026 | | | | | | Non-owner | | | | | | | | | | | | | | | occupied | | | | | | | | | | | | | | | commercial | | Residential | | | | | | | | | Commercial | | real estate | | real estate | | Consumer | | Total | Beginning balance | | $ | 55,369 | | $ | 38,030 | | $ | 19,792 | | $ | 286 | | $ | 113,477 | Allowance for credit loss at acquisition | | | 2,920 | | | (447) | | | — | | | — | | | 2,473 | Charge-offs | | | (6,311) | | | (1) | | | (25) | | | (171) | | | (6,508) | Recoveries | | | 1 | | | — | | | 40 | | | 38 | | | 79 | Provision expense (release) for credit losses on loans | | | 2,482 | | | (2,281) | | | 412 | | | 137 | | ` | 750 | Ending balance | | $ | 54,461 | | $ | 35,301 | | $ | 20,219 | | $ | 290 | | $ | 110,271 |
| | Six months ended June 30, 2026 | | | | | | Non-owner | | | | | | | | | | | | | | | occupied | | | | | | | | | | | | | | | commercial | | Residential | | | | | | | | | Commercial | | real estate | | real estate | | Consumer | | Total | Beginning balance | | $ | 47,482 | | $ | 23,076 | | $ | 16,597 | | $ | 260 | | $ | 87,415 | Allowance for credit loss at acquisition | | | 13,092 | | | 14,618 | | | 4,208 | | | 17 | | | 31,935 | Charge-offs | | | (13,762) | | | (1) | | | (76) | | | (426) | | | (14,265) | Recoveries | | | 14 | | | — | | | 42 | | | 80 | | | 136 | Provision expense (release) for credit losses on loans | | | 7,635 | | | (2,392) | | | (552) | | | 359 | | | 5,050 | Ending balance | | $ | 54,461 | | $ | 35,301 | | $ | 20,219 | | $ | 290 | | $ | 110,271 |
| | | | | | | | | | | | | | | | | | Three months ended June 30, 2025 | | | | | | Non-owner | | | | | | | | | | | | | | | occupied | | | | | | | | | | | | | | | commercial | | Residential | | | | | | | | | Commercial | | real estate | | real estate | | Consumer | | Total | Beginning balance | | $ | 48,058 | | $ | 23,494 | | $ | 18,307 | | $ | 333 | | $ | 90,192 | Charge-offs | | | (977) | | | — | | | (1) | | | (180) | | | (1,158) | Recoveries | | | 105 | | | — | | | 31 | | | 34 | | | 170 | Provision expense (release) for credit losses on loans | | | 748 | | | (1,275) | | | 92 | | | 124 | | | (311) | Ending balance | | $ | 47,934 | | $ | 22,219 | | $ | 18,429 | | $ | 311 | | $ | 88,893 |
| | | | | | | | | | | | | | | | | | Six months ended June 30, 2025 | | | | | | Non-owner | | | | | | | | | | | | | | | occupied | | | | | | | | | | | | | | | commercial | | Residential | | | | | | | | | Commercial | | real estate | | real estate | | Consumer | | Total | Beginning balance | | $ | 48,552 | | $ | 26,136 | | $ | 19,426 | | $ | 341 | | $ | 94,455 | Charge-offs | | | (14,546) | | | (1,467) | | | (1) | | | (395) | | | (16,409) | Recoveries | | | 161 | | | 17 | | | 59 | | | 71 | | | 308 | Provision expense (release) for credit losses on loans | | | 13,767 | | | (2,467) | | | (1,055) | | | 294 | | | 10,539 | Ending balance | | $ | 47,934 | | $ | 22,219 | | $ | 18,429 | | $ | 311 | | $ | 88,893 |
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