v3.26.1
Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2026
Text Block [Abstract]  
Changes in the Allowance for Loan Losses

The following tables present, by portfolio segment, the changes in the allowance for credit losses ("ACL") for the three and six months ended June 30, 2026.

Allowance for credit losses:

 

For the three months ended June 30, 2026

 

Beginning balance

 

 

Charge-offs

 

 

Recoveries

 

 

Provision

 

 

Ending Balance

 

Commercial & Agriculture

 

$

4,996

 

 

$

(2

)

 

$

34

 

 

$

2,296

 

 

$

7,324

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

4,280

 

 

 

—

 

 

 

2

 

 

 

79

 

 

 

4,361

 

Non-Owner Occupied

 

 

11,789

 

 

 

—

 

 

 

1

 

 

 

(1,125

)

 

 

10,665

 

Residential Real Estate

 

 

14,486

 

 

 

(27

)

 

 

21

 

 

 

(378

)

 

 

14,102

 

Real Estate Construction

 

 

3,502

 

 

 

—

 

 

 

—

 

 

 

338

 

 

 

3,840

 

Farm Real Estate

 

 

225

 

 

 

—

 

 

 

—

 

 

 

1

 

 

 

226

 

Lease Financing Receivables

 

 

1,008

 

 

 

(138

)

 

 

40

 

 

 

49

 

 

 

959

 

Consumer and Other

 

 

250

 

 

 

(7

)

 

 

2

 

 

 

(9

)

 

 

236

 

Total

 

$

40,536

 

 

$

(174

)

 

$

100

 

 

$

1,251

 

 

$

41,713

 

 

For the six months ended June 30, 2026

 

Beginning balance

 

 

Charge-offs

 

 

Recoveries

 

 

Provision

 

 

Ending Balance

 

Commercial & Agriculture

 

$

5,153

 

 

$

(98

)

 

$

96

 

 

$

2,173

 

 

$

7,324

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

4,420

 

 

 

—

 

 

 

3

 

 

 

(62

)

 

 

4,361

 

Non-Owner Occupied

 

 

12,118

 

 

 

(484

)

 

 

2

 

 

 

(971

)

 

 

10,665

 

Residential Real Estate

 

 

14,718

 

 

 

(30

)

 

 

34

 

 

 

(620

)

 

 

14,102

 

Real Estate Construction

 

 

3,842

 

 

 

—

 

 

 

—

 

 

 

(2

)

 

 

3,840

 

Farm Real Estate

 

 

279

 

 

 

—

 

 

 

—

 

 

 

(53

)

 

 

226

 

Lease Financing Receivables

 

 

1,169

 

 

 

(348

)

 

 

44

 

 

 

94

 

 

 

959

 

Consumer and Other

 

 

321

 

 

 

(20

)

 

 

11

 

 

 

(76

)

 

 

236

 

Total

 

$

42,020

 

 

$

(980

)

 

$

190

 

 

$

483

 

 

$

41,713

 

The following tables present, by portfolio segment, the changes in the allowance for credit losses for the three and six months ended June 30, 2025.

Allowance for credit losses:

 

For the three months ended June 30, 2025

 

Beginning balance

 

 

Charge-offs

 

 

Recoveries

 

 

Provision

 

 

Ending Balance

 

Commercial & Agriculture

 

$

6,194

 

 

$

(363

)

 

$

44

 

 

$

182

 

 

$

6,057

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

4,466

 

 

 

—

 

 

 

—

 

 

 

146

 

 

 

4,612

 

Non-Owner Occupied

 

 

11,412

 

 

 

(550

)

 

 

3

 

 

 

456

 

 

 

11,321

 

Residential Real Estate

 

 

12,455

 

 

 

(115

)

 

 

23

 

 

 

712

 

 

 

13,075

 

Real Estate Construction

 

 

4,017

 

 

 

—

 

 

 

—

 

 

 

(322

)

 

 

3,695

 

Farm Real Estate

 

 

264

 

 

 

—

 

 

 

—

 

 

 

41

 

 

 

305

 

Lease Financing Receivables

 

 

1,277

 

 

 

(62

)

 

 

17

 

 

 

(18

)

 

 

1,214

 

Consumer and Other

 

 

199

 

 

 

(2

)

 

 

5

 

 

 

(26

)

 

 

176

 

Total

 

$

40,284

 

 

$

(1,092

)

 

$

92

 

 

$

1,171

 

 

$

40,455

 

 

For the six months ended June 30, 2025

 

Beginning balance

 

 

Charge-offs

 

 

Recoveries

 

 

Provision

 

 

Ending Balance

 

Commercial & Agriculture

 

$

6,586

 

 

$

(435

)

 

$

335

 

 

$

(429

)

 

$

6,057

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

4,327

 

 

 

—

 

 

 

—

 

 

 

285

 

 

 

4,612

 

Non-Owner Occupied

 

 

11,404

 

 

 

(1,350

)

 

 

3

 

 

 

1,264

 

 

 

11,321

 

Residential Real Estate

 

 

11,866

 

 

 

(115

)

 

 

42

 

 

 

1,282

 

 

 

13,075

 

Real Estate Construction

 

 

3,708

 

 

 

—

 

 

 

—

 

 

 

(13

)

 

 

3,695

 

Farm Real Estate

 

 

226

 

 

 

—

 

 

 

—

 

 

 

79

 

 

 

305

 

Lease Financing Receivables

 

 

1,361

 

 

 

(152

)

 

 

42

 

 

 

(37

)

 

 

1,214

 

Consumer and Other

 

 

191

 

 

 

(16

)

 

 

13

 

 

 

(12

)

 

 

176

 

Total

 

$

39,669

 

 

$

(2,068

)

 

$

435

 

 

$

2,419

 

 

$

40,455

 
Credit Exposures by Internally Assigned Grades

Based on the most recent analysis performed, the risk category of loans at June 30, 2026, and year-to-date gross charge-offs as of June 30, 2026, by type and year of originations, was as follows:

 

 

 

Term Loans Amortized Cost Basis by Origination Year

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Revolving

 

 

 

 

 

 

2026

 

 

2025

 

 

2024

 

 

2023

 

 

2022

 

 

Prior

 

 

Loans

 

 

Total

 

Commercial & Agriculture

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

39,432

 

 

$

43,532

 

 

$

41,263

 

 

$

30,800

 

 

$

17,255

 

 

$

16,930

 

 

$

100,567

 

 

$

289,779

 

Special Mention

 

 

—

 

 

 

1,161

 

 

 

252

 

 

 

177

 

 

 

965

 

 

 

1,978

 

 

 

6,941

 

 

 

11,476

 

Substandard

 

 

56

 

 

 

517

 

 

 

4,705

 

 

 

1,021

 

 

 

520

 

 

 

67

 

 

 

5,999

 

 

 

12,886

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

1,338

 

 

 

1,338

 

Total Commercial & Agriculture

 

$

39,488

 

 

$

45,210

 

 

$

46,220

 

 

$

31,999

 

 

$

18,740

 

 

$

18,976

 

 

$

114,846

 

 

$

315,479

 

Commercial & Agriculture:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period gross charge-offs

 

$

—

 

 

$

—

 

 

$

76

 

 

$

22

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

98

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial Real Estate - Owner Occupied

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

19,790

 

 

$

52,767

 

 

$

31,012

 

 

$

34,756

 

 

$

52,135

 

 

$

157,934

 

 

$

10,985

 

 

$

359,379

 

Special Mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

9,045

 

 

 

4,216

 

 

 

—

 

 

 

13,261

 

Substandard

 

 

—

 

 

 

543

 

 

 

942

 

 

 

1,156

 

 

 

6,442

 

 

 

6,260

 

 

 

1,451

 

 

 

16,793

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Commercial Real Estate - Owner Occupied

 

$

19,790

 

 

$

53,310

 

 

$

31,954

 

 

$

35,912

 

 

$

67,622

 

 

$

168,409

 

 

$

12,436

 

 

$

389,434

 

Commercial Real Estate - Owner Occupied:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period gross charge-offs

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial Real Estate - Non-Owner Occupied

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

65,234

 

 

$

78,375

 

 

$

76,166

 

 

$

254,114

 

 

$

257,392

 

 

$

422,980

 

 

$

30,847

 

 

$

1,185,108

 

Special Mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

3,057

 

 

 

12,752

 

 

 

—

 

 

 

15,808

 

Substandard

 

 

—

 

 

 

—

 

 

 

1,434

 

 

 

—

 

 

 

377

 

 

 

27,004

 

 

 

—

 

 

 

28,815

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Commercial Real Estate - Non-Owner Occupied

 

$

65,234

 

 

$

78,375

 

 

$

77,600

 

 

$

254,114

 

 

$

260,826

 

 

$

462,736

 

 

$

30,847

 

 

$

1,229,731

 

Commercial Real Estate - Non-Owner Occupied:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period gross charge-offs

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

484

 

 

$

—

 

 

$

484

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential Real Estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

57,172

 

 

$

99,933

 

 

$

121,131

 

 

$

115,759

 

 

$

110,629

 

 

$

240,308

 

 

$

204,493

 

 

$

949,425

 

Special Mention

 

 

—

 

 

 

—

 

 

 

6

 

 

 

—

 

 

 

124

 

 

 

195

 

 

 

—

 

 

 

325

 

Substandard

 

 

—

 

 

 

—

 

 

 

—

 

 

 

1,631

 

 

 

1,626

 

 

 

3,923

 

 

 

1,030

 

 

 

8,210

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Residential Real Estate

 

$

57,172

 

 

$

99,933

 

 

$

121,137

 

 

$

117,390

 

 

$

112,379

 

 

$

244,425

 

 

$

205,523

 

 

$

957,960

 

Residential Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period gross charge-offs

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

21

 

 

$

9

 

 

$

—

 

 

$

30

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Revolving

 

 

 

 

 

 

2026

 

 

2025

 

 

2024

 

 

2023

 

 

2022

 

 

Prior

 

 

Loans

 

 

Total

 

Real Estate Construction

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

65,300

 

 

$

104,044

 

 

$

12,304

 

 

$

34,400

 

 

$

16,804

 

 

$

9,240

 

 

$

15,184

 

 

$

257,275

 

Special Mention

 

 

—

 

 

 

—

 

 

 

7,528

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

7,528

 

Substandard

 

 

—

 

 

 

—

 

 

 

—

 

 

 

684

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

684

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Real Estate Construction

 

$

65,300

 

 

$

104,044

 

 

$

19,832

 

 

$

35,084

 

 

$

16,804

 

 

$

9,240

 

 

$

15,184

 

 

$

265,488

 

Real Estate Construction:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period gross charge-offs

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Farm Real Estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

2,364

 

 

$

1,050

 

 

$

856

 

 

$

2,329

 

 

$

482

 

 

$

18,783

 

 

$

3,127

 

 

$

28,992

 

Special Mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

439

 

 

 

808

 

 

 

1,695

 

 

 

2,942

 

Substandard

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

507

 

 

 

—

 

 

 

507

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Farm Real Estate

 

$

2,364

 

 

$

1,050

 

 

$

856

 

 

$

2,329

 

 

$

920

 

 

$

20,098

 

 

$

4,822

 

 

$

32,440

 

Farm Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period charge-offs

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Lease Financing Receivables

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

6,176

 

 

$

4,414

 

 

$

6,410

 

 

$

5,362

 

 

$

1,608

 

 

$

194

 

 

$

—

 

 

$

24,165

 

Special Mention

 

 

—

 

 

 

1,690

 

 

 

2,578

 

 

 

1,067

 

 

 

349

 

 

 

—

 

 

 

—

 

 

 

5,684

 

Substandard

 

 

—

 

 

 

—

 

 

 

1,296

 

 

 

1,257

 

 

 

264

 

 

 

—

 

 

 

—

 

 

 

2,816

 

Doubtful

 

 

—

 

 

 

—

 

 

 

-

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Lease Financing Receivables

 

$

6,176

 

 

$

6,104

 

 

$

10,283

 

 

$

7,687

 

 

$

2,221

 

 

$

194

 

 

$

—

 

 

$

32,665

 

Lease Financing Receivables:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period charge-offs

 

$

—

 

 

$

—

 

 

$

115

 

 

$

164

 

 

$

69

 

 

$

—

 

 

$

—

 

 

$

348

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer and Other

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

880

 

 

$

23,172

 

 

$

1,098

 

 

$

1,837

 

 

$

1,014

 

 

$

651

 

 

$

3,007

 

 

$

31,657

 

Special Mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

10

 

 

 

1

 

 

 

10

 

 

 

16

 

 

 

13

 

 

 

—

 

 

 

51

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Consumer and Other

 

$

880

 

 

$

23,182

 

 

$

1,099

 

 

$

1,847

 

 

$

1,030

 

 

$

663

 

 

$

3,007

 

 

$

31,707

 

Consumer and Other:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period charge-offs

 

$

—

 

 

$

—

 

 

$

6

 

 

$

5

 

 

$

—

 

 

$

9

 

 

$

—

 

 

$

20

 

Total Loans

 

$

256,404

 

 

$

411,208

 

 

$

308,982

 

 

$

486,362

 

 

$

480,542

 

 

$

924,741

 

 

$

386,666

 

 

$

3,254,904

 

Total Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period charge-offs

 

$

—

 

 

$

—

 

 

$

197

 

 

$

191

 

 

$

90

 

 

$

502

 

 

$

—

 

 

$

980

 

 

The risk category of loans at December 31, 2025, and year-to-date gross charge-offs as of June 30, 2025, by type and year of originations, was as follows:

 

 

 

Term Loans Amortized Cost Basis by Origination Year

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Revolving

 

 

 

 

 

 

2025

 

 

2024

 

 

2023

 

 

2022

 

 

2021

 

 

Prior

 

 

Loans

 

 

Total

 

Commercial & Agriculture

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

55,108

 

 

$

49,767

 

 

$

32,413

 

 

$

21,623

 

 

$

15,222

 

 

$

8,323

 

 

$

100,299

 

 

$

282,755

 

Special Mention

 

 

686

 

 

 

—

 

 

 

331

 

 

 

1,142

 

 

 

2,426

 

 

 

61

 

 

 

7,381

 

 

 

12,027

 

Substandard

 

 

506

 

 

 

4,677

 

 

 

1,267

 

 

 

619

 

 

 

8

 

 

 

—

 

 

 

5,325

 

 

 

12,402

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

1,508

 

 

 

1,508

 

Total Commercial & Agriculture

 

$

56,300

 

 

$

54,444

 

 

$

34,011

 

 

$

23,384

 

 

$

17,656

 

 

$

8,384

 

 

$

114,513

 

 

$

308,692

 

Commercial & Agriculture:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period gross charge-offs

 

$

—

 

 

$

—

 

 

$

383

 

 

$

42

 

 

$

10

 

 

$

—

 

 

$

—

 

 

$

435

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial Real Estate - Owner Occupied

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

41,259

 

 

$

32,982

 

 

$

41,997

 

 

$

55,380

 

 

$

54,209

 

 

$

120,299

 

 

$

6,347

 

 

$

352,473

 

Special Mention

 

 

330

 

 

 

—

 

 

 

1,010

 

 

 

14,290

 

 

 

5,275

 

 

 

1,539

 

 

 

75

 

 

 

22,519

 

Substandard

 

 

—

 

 

 

—

 

 

 

1,514

 

 

 

2,930

 

 

 

—

 

 

 

4,617

 

 

 

1,494

 

 

 

10,555

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Commercial Real Estate - Owner Occupied

 

$

41,589

 

 

$

32,982

 

 

$

44,521

 

 

$

72,600

 

 

$

59,484

 

 

$

126,455

 

 

$

7,916

 

 

$

385,547

 

Commercial Real Estate - Owner Occupied:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period gross charge-offs

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial Real Estate - Non-Owner Occupied

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

64,507

 

 

$

77,375

 

 

$

259,428

 

 

$

295,520

 

 

$

143,207

 

 

$

329,652

 

 

$

31,946

 

 

$

1,201,635

 

Special Mention

 

 

—

 

 

 

950

 

 

 

—

 

 

 

1,520

 

 

 

—

 

 

 

7,036

 

 

 

—

 

 

 

9,506

 

Substandard

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

14,593

 

 

 

12,799

 

 

 

—

 

 

 

27,392

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

484

 

 

 

—

 

 

 

484

 

Total Commercial Real Estate - Non-Owner Occupied

 

$

64,507

 

 

$

78,325

 

 

$

259,428

 

 

$

297,040

 

 

$

157,800

 

 

$

349,971

 

 

$

31,946

 

 

$

1,239,017

 

Commercial Real Estate - Non-Owner Occupied:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period gross charge-offs

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

800

 

 

$

550

 

 

$

—

 

 

$

1,350

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential Real Estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

98,026

 

 

$

145,132

 

 

$

126,021

 

 

$

114,905

 

 

$

91,029

 

 

$

160,969

 

 

$

198,707

 

 

$

934,789

 

Special Mention

 

 

139

 

 

 

55

 

 

 

—

 

 

 

—

 

 

 

551

 

 

 

270

 

 

 

350

 

 

 

1,365

 

Substandard

 

 

—

 

 

 

—

 

 

 

433

 

 

 

1,513

 

 

 

534

 

 

 

3,024

 

 

 

1,134

 

 

 

6,638

 

Doubtful

 

 

—

 

 

 

1,020

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

516

 

 

 

1,536

 

Total Residential Real Estate

 

$

98,165

 

 

$

146,207

 

 

$

126,454

 

 

$

116,418

 

 

$

92,114

 

 

$

164,263

 

 

$

200,707

 

 

$

944,328

 

Residential Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period gross charge-offs

 

$

—

 

 

$

—

 

 

$

—

 

 

$

40

 

 

$

39

 

 

$

36

 

 

$

—

 

 

$

115

 

 

 

 

 

Term Loans Amortized Cost Basis by Origination Year

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Revolving

 

 

 

 

 

 

2025

 

 

2024

 

 

2023

 

 

2022

 

 

2021

 

 

Prior

 

 

Loans

 

 

Total

 

Real Estate Construction

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

116,268

 

 

$

39,988

 

 

$

75,744

 

 

$

23,121

 

 

$

4,041

 

 

$

7,282

 

 

$

11,304

 

 

$

277,748

 

Special Mention

 

 

—

 

 

 

6,678

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

6,678

 

Substandard

 

 

—

 

 

 

—

 

 

 

711

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

711

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Real Estate Construction

 

$

116,268

 

 

$

46,666

 

 

$

76,455

 

 

$

23,121

 

 

$

4,041

 

 

$

7,282

 

 

$

11,304

 

 

$

285,137

 

Real Estate Construction:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period gross charge-offs

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Farm Real Estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

2,220

 

 

$

1,606

 

 

$

2,710

 

 

$

1,709

 

 

$

2,600

 

 

$

20,683

 

 

$

3,133

 

 

$

34,661

 

Special Mention

 

 

—

 

 

 

—

 

 

 

450

 

 

 

461

 

 

 

—

 

 

 

679

 

 

 

1,027

 

 

 

2,617

 

Substandard

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

22

 

 

 

475

 

 

 

—

 

 

 

497

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Farm Real Estate

 

$

2,220

 

 

$

1,606

 

 

$

3,160

 

 

$

2,170

 

 

$

2,622

 

 

$

21,837

 

 

$

4,160

 

 

$

37,775

 

Farm Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period charge-offs

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Lease Financing Receivables

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

7,631

 

 

$

7,361

 

 

$

7,292

 

 

$

3,193

 

 

$

486

 

 

$

21

 

 

$

—

 

 

$

25,984

 

Special Mention

 

 

1,799

 

 

 

3,035

 

 

 

2,340

 

 

 

39

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

7,213

 

Substandard

 

 

43

 

 

 

1,363

 

 

 

235

 

 

 

265

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

1,906

 

Doubtful

 

 

—

 

 

 

—

 

 

 

-

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

-

 

Total Lease Financing Receivables

 

$

9,473

 

 

$

11,759

 

 

$

9,867

 

 

$

3,497

 

 

$

486

 

 

$

21

 

 

$

—

 

 

$

35,103

 

Lease Financing Receivables:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period charge-offs

 

$

—

 

 

$

—

 

 

$

—

 

 

$

152

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

152

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer and Other

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

24,261

 

 

$

3,717

 

 

$

2,428

 

 

$

1,416

 

 

$

662

 

 

$

404

 

 

$

1,504

 

 

$

34,392

 

Special Mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

3

 

 

 

3

 

Substandard

 

 

—

 

 

 

9

 

 

 

13

 

 

 

16

 

 

 

14

 

 

 

—

 

 

 

—

 

 

 

52

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Consumer and Other

 

$

24,261

 

 

$

3,726

 

 

$

2,441

 

 

$

1,432

 

 

$

676

 

 

$

404

 

 

$

1,507

 

 

$

34,447

 

Consumer and Other:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period charge-offs

 

$

—

 

 

$

—

 

 

$

5

 

 

$

5

 

 

$

5

 

 

$

1

 

 

$

—

 

 

$

16

 

Total Loans

 

$

412,783

 

 

$

375,715

 

 

$

556,337

 

 

$

539,662

 

 

$

334,879

 

 

$

678,617

 

 

$

372,053

 

 

$

3,270,046

 

Total Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current-period charge-offs

 

$

—

 

 

$

—

 

 

$

388

 

 

$

239

 

 

$

854

 

 

$

587

 

 

$

—

 

 

$

2,068

 

 
Aging Analysis of Past Due Loans

The following tables include an aging analysis of the recorded investment in past due loans outstanding as of June 30, 2026 and December 31, 2025.

 

June 30, 2026

 

30-59
Days
Past Due

 

 

60-89
Days
Past Due

 

 

90 Days
or Greater
Past Due

 

 

Total Past
Due

 

 

Current

 

 

Total Loans

 

 

Past Due
90 Days
and
Accruing

 

Commercial & Agriculture

 

$

151

 

 

$

75

 

 

$

477

 

 

$

703

 

 

$

314,776

 

 

$

315,479

 

 

$

—

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

—

 

 

 

—

 

 

 

7

 

 

 

7

 

 

 

389,427

 

 

 

389,434

 

 

 

—

 

Non-Owner Occupied

 

 

472

 

 

 

—

 

 

 

9,900

 

 

 

10,372

 

 

 

1,219,359

 

 

 

1,229,731

 

 

 

—

 

Residential Real Estate

 

 

1,149

 

 

 

1,741

 

 

 

3,339

 

 

 

6,229

 

 

 

951,731

 

 

 

957,960

 

 

 

—

 

Real Estate Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

265,488

 

 

 

265,488

 

 

 

—

 

Farm Real Estate

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

32,440

 

 

 

32,440

 

 

 

—

 

Lease Financing Receivables

 

 

211

 

 

 

464

 

 

 

103

 

 

 

778

 

 

 

31,887

 

 

 

32,665

 

 

 

103

 

Consumer and Other

 

 

57

 

 

 

5

 

 

 

27

 

 

 

89

 

 

 

31,618

 

 

 

31,707

 

 

 

—

 

Total

 

$

2,040

 

 

$

2,285

 

 

$

13,853

 

 

$

18,178

 

 

$

3,236,726

 

 

$

3,254,904

 

 

$

103

 

 

December 31, 2025

 

30-59
Days
Past Due

 

 

60-89
Days
Past Due

 

 

90 Days
or Greater
Past Due

 

 

Total Past
Due

 

 

Current

 

 

Total Loans

 

 

Past Due
90 Days
and
Accruing

 

Commercial & Agriculture

 

$

382

 

 

$

239

 

 

$

141

 

 

$

762

 

 

$

307,930

 

 

$

308,692

 

 

$

—

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

179

 

 

 

—

 

 

 

6

 

 

 

185

 

 

 

385,362

 

 

 

385,547

 

 

 

23

 

Non-Owner Occupied

 

 

8,332

 

 

 

—

 

 

 

1,130

 

 

 

9,462

 

 

 

1,229,555

 

 

 

1,239,017

 

 

 

—

 

Residential Real Estate

 

 

5,954

 

 

 

1,629

 

 

 

2,331

 

 

 

9,914

 

 

 

934,414

 

 

 

944,328

 

 

 

104

 

Real Estate Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

285,137

 

 

 

285,137

 

 

 

—

 

Farm Real Estate

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

37,775

 

 

 

37,775

 

 

 

—

 

Lease Financing Receivables

 

 

1,301

 

 

 

1,240

 

 

 

454

 

 

 

2,995

 

 

 

32,108

 

 

 

35,103

 

 

 

335

 

Consumer and Other

 

 

115

 

 

 

37

 

 

 

47

 

 

 

199

 

 

 

34,248

 

 

 

34,447

 

 

 

—

 

Total

 

$

16,263

 

 

$

3,145

 

 

$

4,109

 

 

$

23,517

 

 

$

3,246,529

 

 

$

3,270,046

 

 

$

462

 
Summary of Nonaccrual Loans Excluding PCI Loans

The following table presents loans on nonaccrual status as of June 30, 2026.

 

June 30, 2026

 

Nonaccrual loans with a related ACL

 

 

Nonaccrual loans without a related ACL

 

 

Total Nonaccrual loans

 

Commercial & Agriculture

 

$

6,363

 

 

$

3,943

 

 

$

10,306

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

140

 

 

 

1,377

 

 

 

1,517

 

Non-Owner Occupied

 

 

9,713

 

 

 

564

 

 

 

10,277

 

Residential Real Estate

 

 

6,871

 

 

 

471

 

 

 

7,342

 

Real Estate Construction

 

 

—

 

 

 

—

 

 

 

—

 

Farm Real Estate

 

 

—

 

 

 

343

 

 

 

343

 

Lease Financing Receivables

 

 

28

 

 

 

—

 

 

 

28

 

Consumer and Other

 

 

52

 

 

 

—

 

 

 

52

 

Total

 

$

23,167

 

 

$

6,698

 

 

$

29,865

 

 

The following table presents loans on nonaccrual status as of December 31, 2025.

 

December 31, 2025

 

Nonaccrual loans with a related ACL

 

 

Nonaccrual loans without a related ACL

 

 

Total Nonaccrual loans

 

Commercial & Agriculture

 

$

6,312

 

 

$

4,042

 

 

$

10,354

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

53

 

 

 

2,778

 

 

 

2,831

 

Non-Owner Occupied

 

 

8,469

 

 

 

624

 

 

 

9,093

 

Residential Real Estate

 

 

6,202

 

 

 

1,535

 

 

 

7,737

 

Real Estate Construction

 

 

—

 

 

 

—

 

 

 

—

 

Farm Real Estate

 

 

98

 

 

 

377

 

 

 

475

 

Lease Financing Receivables

 

 

291

 

 

 

—

 

 

 

291

 

Consumer and Other

 

 

53

 

 

 

—

 

 

 

53

 

Total

 

$

21,478

 

 

$

9,356

 

 

$

30,834

 
Schedule of Amortized Cost Basis of Collateral Dependent Loans Individually Evaluated Expected Credit Losses and Related Allowance for Credit Losses

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.

 

June 30, 2026

 

Real Estate

 

 

Other

 

 

Allowance for Credit Losses

 

Commercial & Agriculture

 

$

—

 

 

$

2,418

 

 

$

1,339

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

1,377

 

 

 

—

 

 

 

—

 

Non-Owner Occupied

 

 

8,466

 

 

 

—

 

 

 

2,000

 

Residential Real Estate

 

 

471

 

 

 

—

 

 

 

—

 

Real Estate Construction

 

 

—

 

 

 

—

 

 

 

—

 

Farm Real Estate

 

 

343

 

 

 

—

 

 

 

—

 

Lease Financing Receivables

 

 

—

 

 

 

—

 

 

 

—

 

Consumer and Other

 

 

—

 

 

 

—

 

 

 

—

 

Total

 

$

10,657

 

 

$

2,418

 

 

$

3,339

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2025

 

Real Estate

 

 

Other

 

 

Allowance for Credit Losses

 

Commercial & Agriculture

 

$

—

 

 

$

2,687

 

 

$

248

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

2,778

 

 

 

—

 

 

 

—

 

Non-Owner Occupied

 

 

9,010

 

 

 

—

 

 

 

3,000

 

Residential Real Estate

 

 

1,536

 

 

 

—

 

 

 

—

 

Real Estate Construction

 

 

—

 

 

 

—

 

 

 

—

 

Farm Real Estate

 

 

377

 

 

 

—

 

 

 

—

 

Lease Financing Receivables

 

 

—

 

 

 

119

 

 

 

119

 

Consumer and Other

 

 

—

 

 

 

—

 

 

 

—

 

Total

 

$

13,701

 

 

$

2,806

 

 

$

3,367

 

 
Schedule of Loans Modified to Borrowers Experiencing Financial Difficulty

The following table shows the amortized cost basis at the end of the reporting period of the loans modified to borrowers experiencing financial difficulty, disaggregated by loan category and type of modification granted during the six months ended June 30, 2026. There were no loans modified to a borrower experiencing financial difficulty during the three months ended June 30, 2026. The percentage of the amortized cost basis of loans that were modified to borrowers experiencing financial difficulty as compared to the amortized cost basis of each class of loan category is presented below:

 

 

 

Loans Modifications Made to Borrowers Experiencing Financial Difficulty

 

 

 

For the six months ended June 30, 2026

 

 

 

(Dollars in Thousands)

 

 

 

Term Extension

 

Loan Type

 

Amortized Cost Basis

 

 

Percent of total loans by
category

 

Commercial & Agriculture

 

$

—

 

 

 

—

 

Commercial Real Estate:

 

 

 

 

 

 

Owner Occupied

 

 

—

 

 

 

—

 

Non-Owner Occupied

 

 

—

 

 

 

—

 

Residential Real Estate

 

 

—

 

 

 

—

 

Real Estate Construction

 

 

—

 

 

 

—

 

Farm Real Estate

 

 

—

 

 

 

—

 

Lease Financing Receivables

 

 

514

 

 

 

1.61

%

Consumer and Other

 

 

—

 

 

 

—

 

Total Loan Modifications

 

$

514

 

 

 

 

The following tables show the amortized cost basis at the end of the reporting period of the loans modified to borrowers experiencing financial difficulty, disaggregated by loan category and type of modification granted during the three and six months ended June 30, 2025. The percentage of the amortized cost basis of loans that were modified to borrowers experiencing financial difficulty as compared to the amortized cost basis of each class of loan category is presented below:

 

 

 

Loans Modifications Made to Borrowers Experiencing Financial Difficulty

 

 

 

For the three months ended June 30, 2025

 

 

 

(Dollars in Thousands)

 

 

 

Term Extension

 

Loan Type

 

Amortized Cost Basis

 

 

Percent of total loans by
category

 

Commercial & Agriculture

 

$

7

 

 

 

0.00

%

Commercial Real Estate:

 

 

 

 

 

 

Owner Occupied

 

 

—

 

 

 

—

 

Non-Owner Occupied

 

 

—

 

 

 

—

 

Residential Real Estate

 

 

—

 

 

 

—

 

Real Estate Construction

 

 

—

 

 

 

—

 

Farm Real Estate

 

 

—

 

 

 

—

 

Leasing Financing Receivables

 

 

—

 

 

 

—

 

Consumer and Other

 

 

—

 

 

 

—

 

Total Loan Modifications

 

$

7

 

 

 

 

 

 

 

 

Loans Modifications Made to Borrowers Experiencing Financial Difficulty

 

 

 

For the six months ended June 30, 2025

 

 

 

(Dollars in Thousands)

 

 

 

Term Extension

 

Loan Type

 

Amortized Cost Basis

 

 

Percent of total loans by
category

 

Commercial & Agriculture

 

$

7

 

 

 

0.00

%

Commercial Real Estate:

 

 

 

 

 

 

Owner Occupied

 

 

—

 

 

 

—

 

Non-Owner Occupied

 

 

—

 

 

 

—

 

Residential Real Estate

 

 

—

 

 

 

—

 

Real Estate Construction

 

 

—

 

 

 

—

 

Farm Real Estate

 

 

—

 

 

 

—

 

Leasing Financing Receivables

 

 

—

 

 

 

—

 

Consumer and Other

 

 

—

 

 

 

—

 

Total Loan Modifications

 

$

7

 

 

 

 

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty as of June 30, 2026 and June 30, 2025.

 

June 30, 2026

Term Extension

Loan Type

Financial Effect

Commercial & Agriculture

 

Commercial Real Estate:

 

Owner Occupied

 

Non-Owner Occupied

 

Residential Real Estate

 

Real Estate Construction

 

Farm Real Estate

 

Lease Financing Receivables

 - 24 month term extension

Consumer and Other

 

 

 

 

June 30, 2025

Term Extension

Loan Type

Financial Effect

Commercial & Agriculture

 - 5 month term extension

Commercial Real Estate:

 

Owner Occupied

 

Non-Owner Occupied

 

Residential Real Estate

 

Real Estate Construction

 

Farm Real Estate

 

Consumer and Other

 

 

 

 

 

The following tables present the payment status of the loans that were modified to borrowers experiencing financial difficulties in the last twelve months ended June 30, 2026 and June 30, 2025.

 

June 30, 2026

 

30-59
Days
Past Due

 

 

60-89
Days
Past Due

 

 

90 Days
or Greater
Past Due

 

 

Total Past
Due

 

Current

 

Non-Accrual

 

Commercial & Agriculture

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

$

5,574

 

$

5,539

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Non-Owner Occupied

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Residential Real Estate

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Real Estate Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Farm Real Estate

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Lease Financing Receivables

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

514

 

 

—

 

Consumer and Other

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Total

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

$

6,088

 

$

5,539

 

 

 

June 30, 2025

 

30-59
Days
Past Due

 

 

60-89
Days
Past Due

 

 

90 Days
or Greater
Past Due

 

 

Total Past
Due

 

Current

 

Non-Accrual

 

Commercial & Agriculture

 

$

—

 

 

$

—

 

 

$

7

 

 

$

7

 

$

7,559

 

$

7,566

 

Commercial Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner Occupied

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Non-Owner Occupied

 

 

—

 

 

 

—

 

 

 

484

 

 

 

484

 

 

—

 

 

484

 

Residential Real Estate

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Real Estate Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Farm Real Estate

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Lease Financing Receivables

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Consumer and Other

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

—

 

 

—

 

Total

 

$

—

 

 

$

—

 

 

$

491

 

 

$

491

 

$

7,559

 

$

8,050

 
Schedule Of Allowance For Credit Losses On Off-balance Sheet Credit Exposures

The following tables list the allowance for credit losses on off-balance sheet credit exposures as of the three months and six months ended June 30, 2026 and June 30, 2025:

 

 

 

Three Months Ended

 

 

 

June 30,

 

 

 

2026

 

2025

 

Beginning of Period

 

$

3,375

 

 

3,699

 

Provision for (recovery of)

 

 

519

 

 

(146

)

End of Period

 

$

3,894

 

$

3,553

 

 

 

 

 

Six Months Ended

 

 

 

June 30,

 

 

 

2026

 

2025

 

Beginning of Period

 

$

3,236

 

 

3,380

 

Provision for

 

 

658

 

 

173

 

End of Period

 

$

3,894

 

$

3,553