v3.26.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
 6 Months Ended
Jun. 30, 2026
Receivables [Abstract]  
Summary of Loan Portfolio, Excluding Residential Loans Held for Sale, Broken Out by Classes
The following table presents the loan portfolio by segment and class, excluding residential LHFS, at June 30, 2026 and December 31, 2025:
June 30, 2026December 31, 2025
Commercial real estate:
Owner occupied$679,295 $644,713 
Non-owner occupied1,305,379 1,260,198 
Multi-family229,425 236,703 
Non-owner occupied residential150,917 155,749 
Acquisition and development:
1-4 family residential construction39,344 41,489 
Commercial and land development198,399 198,234 
Agricultural97,729 121,417 
Commercial and industrial489,247 489,371 
Municipal33,950 25,302 
Residential mortgage:
First lien501,306 478,870 
Home equity - term5,401 5,972 
Home equity - lines of credit344,495 321,438 
Other - term(1)
20,929 22,906 
Installment and other loans17,215 18,331 
Total loans $4,113,031 $4,020,693 
(1) Other - term includes PACE loans with unearned income of $375 thousand and $505 thousand at June 30, 2026 and December 31, 2025, respectively.
Summary of Amortized Cost of the Loan Portfolio, by Year of Origination, Loan Class, and Credit Quality
The following table presents the amortized cost basis of the loan portfolio, by year of origination, loan class, and credit quality, as of June 30, 2026 and December 31, 2025. For residential and consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan and payment activity. Residential mortgage, installment and other consumer loans are presented below based on payment performance: performing or nonperforming. Nonperforming includes substandard - individually evaluated loans.
Term Loans Amortized Cost Basis by Origination Year
As of June 30, 2026
20262025202420232022PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Commercial Real Estate:
Owner-occupied:
Risk rating
Pass$38,700 $97,504 $43,378 $79,624 $112,671 $242,647 $13,676 $3,572 $631,772 
Special mention— 952 10,199 6,245 — 13,953 1,928 — 33,277 
Substandard - Non-IEL— — 2,142 3,027 4,314 2,008 34 70 11,595 
Substandard - IEL— — — 643 776 1,232 — — 2,651 
Total owner-occupied loans$38,700 $98,456 $55,719 $89,539 $117,761 $259,840 $15,638 $3,642 $679,295 
Current period gross charge offs - owner-occupied$— $— $— $— $— $— $— $— $— 
Non-owner occupied:
Risk rating
Pass$117,483 $163,566 $88,633 $124,729 $183,365 $581,551 $9,815 $407 $1,269,549 
Special mention— — — 10,035 3,011 21,513 — — 34,559 
Substandard - Non-IEL— — — — 877 — — — 877 
Substandard - IEL— — — 131 134 129 — — 394 
Total non-owner occupied loans$117,483 $163,566 $88,633 $134,895 $187,387 $603,193 $9,815 $407 $1,305,379 
Current period gross charge offs - non-owner occupied$— $— $— $— $— $— $— $— $— 
Multi-family:
Risk rating
Pass$19,458 $13,778 $9,133 $6,309 $76,457 $91,034 $955 $47 $217,171 
Special mention— — — — 8,820 3,307 — — 12,127 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — 127 — — — 127 
Total multi-family loans$19,458 $13,778 $9,133 $6,309 $85,404 $94,341 $955 $47 $229,425 
Current period gross charge offs - multi-family$— $— $— $— $— $— $— $— $— 
Non-owner occupied residential:
Risk rating
Pass$6,942 $11,370 $8,834 $16,488 $24,859 $75,975 $220 $73 $144,761 
Special mention— — — 274 — 1,905 — 37 2,216 
Substandard - Non-IEL— — — 126 556 2,815 — 98 3,595 
Substandard - IEL— — — — 150 195 — — 345 
Total non-owner occupied residential loans$6,942 $11,370 $8,834 $16,888 $25,565 $80,890 $220 $208 $150,917 
Current period gross charge offs - non-owner occupied residential$— $— $— $— $37 $— $— $— $37 
continued
Term Loans Amortized Cost Basis by Origination Year
As of June 30, 2026
20262025202420232022PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Acquisition and development:
1-4 family residential construction:
Risk rating
Pass$14,396 $16,206 $1,403 $6,826 $— $513 $— $— $39,344 
Special mention— — — — — — — — — 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — — — — — — 
Total 1-4 family residential construction loans$14,396 $16,206 $1,403 $6,826 $— $513 $— $— $39,344 
Current period gross charge offs - 1-4 family residential construction$— $— $— $— $— $— $— $— $— 
Commercial and land development:
Risk rating
Pass$30,615 $35,435 $56,450 $19,694 $33,425 $7,658 $7,665 $— $190,942 
Special mention— — — — — — — — — 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — 88 650 6,713 6 — — 7,457 
Total commercial and land development loans$30,615 $35,435 $56,538 $20,344 $40,138 $7,664 $7,665 $— $198,399 
Current period gross charge offs - commercial and land development$— $— $— $— $753 $— $— $— $753 
Agricultural
Risk rating
Pass$8,232 $11,645 $7,157 $8,988 $17,480 $32,105 $9,659 $929 $96,195 
Special mention— — — — — 58 24 — 82 
Substandard - Non-IEL— — 814 17 13 379 223 — 1,446 
Substandard - IEL— — — — 6 — — — 6 
Total agricultural loans$8,232 $11,645 $7,971 $9,005 $17,499 $32,542 $9,906 $929 $97,729 
Current period gross charge offs - agricultural$— $— $— $— $— $— $— $— $— 
Commercial and Industrial:
Risk rating
Pass$60,013 $62,232 $83,891 $28,537 $33,921 $46,803 $128,992 $5,070 $449,459 
Special mention— 7,565 1,387 5,668 171 748 13,191 52 28,782 
Substandard - Non-IEL— — 8 846 79 41 6,456 296 7,726 
Substandard - IEL— — 245 276 177 223 103 2,256 3,280 
Total commercial and industrial loans$60,013 $69,797 $85,531 $35,327 $34,348 $47,815 $148,742 $7,674 $489,247 
Current period gross charge offs - commercial and industrial$— $— $— $— $— $1,097 $122 $— $1,219 
Municipal:
Risk rating
Pass$9,681 $— $48 $— $8,594 $15,627 $— $— $33,950 
Special mention— — — — — — — — — 
Total municipal loans$9,681 $— $48 $— $8,594 $15,627 $— $— $33,950 
Current period gross charge offs - municipal$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of June 30, 2026
20262025202420232022PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Residential mortgage:
First lien:
Payment performance
Performing$46,690 $68,624 $51,687 $85,199 $88,897 $153,800 $— $— $494,897 
Nonperforming— — 624 1,234 551 4,000 — — 6,409 
Total first lien loans$46,690 $68,624 $52,311 $86,433 $89,448 $157,800 $— $— $501,306 
Current period gross charge offs - first lien$— $— $— $9 $— $— $— $— $9 
Home equity - term:
Payment performance
Performing$404 $676 $259 $464 $836 $2,630 $— $— $5,269 
Nonperforming— 77 — — — 55 — — 132 
Total home equity - term loans$404 $753 $259 $464 $836 $2,685 $— $— $5,401 
Current period gross charge offs - home equity - term$— $— $— $12 $— $— $— $— $12 
Home equity - lines of credit:
Payment performance
Performing$— $— $— $— $— $— $256,842 $84,552 $341,394 
Nonperforming— — — — — — 1,506 1,595 3,101 
Total residential real estate - home equity - lines of credit loans$— $— $— $— $— $— $258,348 $86,147 $344,495 
Current period gross charge offs - home equity - lines of credit$— $— $— $— $— $— $— $— $— 
Other - term:
Payment performance
Performing$— $— $20,929 $— $— $— $— $— $20,929 
Nonperforming— — — — — — — — — 
Total other - term loans$— $— $20,929 $— $— $— $— $— $20,929 
Current period gross charge offs - other - term$— $— $— $— $— $— $— $— $— 
Installment and other loans:
Payment performance
Performing$845 $426 $821 $994 $743 $322 $13,058 $2 $17,211 
Nonperforming— — — 4 — — — — 4 
Total Installment and other loans$845 $426 $821 $998 $743 $322 $13,058 $2 $17,215 
Current period gross charge offs - installment and other$— $181 $2 $— $— $— $59 $— $242 
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Commercial Real Estate:
Owner-occupied:
Risk rating
Pass$96,640 $46,784 $88,930 $103,934 $90,037 $152,232 $13,102 $3,642 $595,301 
Special mention— 10,810 1,713 — 6,721 8,927 93 — 28,264 
Substandard - Non-IEL— 723 1,499 4,411 3,837 3,822 1,658 70 16,020 
Substandard - IEL— — 643 821 974 2,690 — — 5,128 
Total owner-occupied loans$96,640 $58,317 $92,785 $109,166 $101,569 $167,671 $14,853 $3,712 $644,713 
Current period gross charge offs - owner-occupied$— $— $— $337 $— $3 $— $— $340 
Non-owner occupied:
Risk rating
Pass$174,958 $92,343 $126,924 $188,935 $305,539 $338,309 $9,044 $— $1,236,052 
Special mention— — 10,053 3,002 — 9,763 — — 22,818 
Substandard - Non-IEL— — — 883 — — — — 883 
Substandard - IEL— — 139 143 163 — — — 445 
Total non-owner occupied loans$174,958 $92,343 $137,116 $192,963 $305,702 $348,072 $9,044 $— $1,260,198 
Current period gross charge offs - non-owner occupied$— $— $— $— $— $— $— $— $— 
Multi-family:
Risk rating
Pass$15,347 $9,283 $6,800 $77,290 $45,263 $71,549 $860 $672 $227,064 
Special mention— — — 8,751 755 — — — 9,506 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — 133 — — — — 133 
Total multi-family loans$15,347 $9,283 $6,800 $86,174 $46,018 $71,549 $860 $672 $236,703 
Current period gross charge offs - multi-family$— $— $— $— $— $— $— $— $— 
Non-owner occupied residential:
Risk rating
Pass$9,829 $9,460 $17,833 $26,227 $24,378 $59,928 $479 $146 $148,280 
Special mention— 487 — 39 763 1,243 — 38 2,570 
Substandard - Non-IEL— — 128 561 2,445 1,210 — 100 4,444 
Substandard - IEL— — — 236 121 98 — — 455 
Total non-owner occupied residential loans$9,829 $9,947 $17,961 $27,063 $27,707 $62,479 $479 $284 $155,749 
Current period gross charge offs - non-owner occupied residential$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Acquisition and development:
1-4 family residential construction:
Risk rating
Pass$32,602 $5,145 $2,408 $411 $923 $— $— $— $41,489 
Special mention— — — — — — — — — 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — — — — — — 
Total 1-4 family residential construction loans$32,602 $5,145 $2,408 $411 $923 $— $— $— $41,489 
Current period gross charge offs - 1-4 family residential construction$— $— $— $— $— $— $— $— $— 
Commercial and land development:
Risk rating
Pass$29,243 $53,272 $27,951 $57,777 $5,319 $3,213 $9,049 $— $185,824 
Special mention— — 4,166 — — — — — 4,166 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — 275 7,639 330 — — — 8,244 
Total commercial and land development loans$29,243 $53,272 $32,392 $65,416 $5,649 $3,213 $9,049 $— $198,234 
Current period gross charge offs - commercial and land development$— $— $— $— $— $— $— $— $— 
Agricultural
Risk rating
Pass$12,698 $8,621 $12,006 $19,421 $17,013 $25,466 $15,533 $723 $111,481 
Special mention— 1,491 1,670 1,240 1,120 3,878 98 — 9,497 
Substandard - Non-IEL— 74 — 9 199 — 148 — 430 
Substandard - IEL— — — 9 — — — — 9 
Total agricultural loans$12,698 $10,186 $13,676 $20,679 $18,332 $29,344 $15,779 $723 $121,417 
Current period gross charge offs - agricultural$— $— $— $— $25 $6 $— $— $31 
Commercial and Industrial:
Risk rating
Pass$76,830 $80,815 $36,440 $45,357 $40,702 $20,836 $137,914 $8,209 $447,103 
Special mention87 6,999 8,285 263 792 344 12,466 834 30,070 
Substandard - Non-IEL— 12 1,152 99 906 18 5,975 176 8,338 
Substandard - IEL— 321 227 233 179 912 — 1,988 3,860 
Total commercial and industrial loans$76,917 $88,147 $46,104 $45,952 $42,579 $22,110 $156,355 $11,207 $489,371 
Current period gross charge offs - commercial and industrial$— $— $406 $175 $56 $100 $499 $— $1,236 
Municipal:
Risk rating
Pass$— $55 $— $9,012 $2,841 $11,991 $— $— $23,899 
Special mention— — — — — 1,403 — — 1,403 
Total municipal loans$— $55 $— $9,012 $2,841 $13,394 $— $— $25,302 
Current period gross charge offs - municipal$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Residential mortgage:
First lien:
Payment performance
Performing$74,268 $54,459 $89,440 $92,611 $46,907 $114,926 $— $— $472,611 
Nonperforming— 626 1,060 176 134 4,263 — — 6,259 
Total first lien loans$74,268 $55,085 $90,500 $92,787 $47,041 $119,189 $— $— $478,870 
Current period gross charge offs - first lien$— $51 $— $— $27 $10 $— $— $88 
Home equity - term:
Payment performance
Performing$1,015 $319 $576 $894 $172 $2,814 $— $— $5,790 
Nonperforming87 — — — — 95 — — 182 
Total home equity - term loans$1,102 $319 $576 $894 $172 $2,909 $— $— $5,972 
Current period gross charge offs - home equity - term$— $— $— $36 $— $— $— $— $36 
Home equity - lines of credit:
Payment performance
Performing$— $— $— $— $— $— $223,787 $94,178 $317,965 
Nonperforming— — — — — — 25 3,448 3,473 
Total residential real estate - home equity - lines of credit loans$— $— $— $— $— $— $223,812 $97,626 $321,438 
Current period gross charge offs - home equity - lines of credit$— $— $— $— $— $23 $— $— $23 
Other - term:
Payment performance
Performing$— $22,906 $— $— $— $— $— $— $22,906 
Nonperforming— — — — — — — — — 
Total other - term loans$— $22,906 $— $— $— $— $— $— $22,906 
Current period gross charge offs - other - term$— $— $— $— $— $— $— $— $— 
Installment and other loans:
Payment performance
Performing$1,186 $1,052 $1,425 $1,153 $345 $213 $12,930 $25 $18,329 
Nonperforming— — 2 — — — — — 2 
Total Installment and other loans$1,186 $1,052 $1,427 $1,153 $345 $213 $12,930 $25 $18,331 
Current period gross charge offs - installment and other$453 $234 $6 $8 $4 $15 $74 $— $794 
Summary of Amortized Cost of Nonaccrual Loans by Class, With and Without Loan Reserves
The following table presents the amortized cost basis of nonaccrual loans, according to loan class, with and without reserves on individually evaluated loans as of June 30, 2026 and December 31, 2025. The Company did not recognize interest income on nonaccrual loans during the three and six months ended June 30, 2026 and 2025.
June 30, 2026December 31, 2025
Nonaccrual loans with a related ACLNonaccrual loans with no related ACLTotal nonaccrual loansLoans Past Due 90+ AccruingNonaccrual loans with a related ACLNonaccrual loans with no related ACLTotal nonaccrual loansLoans Past Due 90+ Accruing
Commercial real estate:
Owner-occupied$227 $2,424 $2,651 $— $227 $4,901 $5,128 $68 
Non-owner occupied— 394 394 — — 445 445 — 
Multi-family— 127 127 — 133 — 133 — 
Non-owner occupied residential— 345 345 147 — 455 455 — 
Acquisition and development:
Commercial and land development2,253 5,204 7,457 — 3,005 5,239 8,244 — 
Agricultural— 6 6 — — 9 9 — 
Commercial and industrial105 3,175 3,280 25 1,197 2,663 3,860 — 
Residential mortgage:
First lien— 6,254 6,254 244 — 6,100 6,100 431 
Home equity – term— 132 132 — — 182 182 — 
Home equity – lines of credit— 3,101 3,101 172 — 3,473 3,473 190 
Other - term— — — 265 — — — 346 
Installment and other loans— 4 4 — 2 — 2 5 
Total$2,585 $21,166 $23,751 $853 $4,564 $23,467 $28,031 $1,040 
Summary of Amortized Cost Basis of Collateral Dependent Loans
The following table presents the amortized cost basis of collateral-dependent individually evaluated loans by class as of June 30, 2026 and December 31, 2025:
Type of Collateral
June 30, 2026Business AssetsCommercial Real EstateEquipmentLandResidential Real EstateOtherTotal
Commercial real estate:
Owner occupied$— $2,651 $— $— $— $— $2,651 
Non-owner occupied— 394 — — — — 394 
Multi-family— 127 — — — — 127 
Non-owner occupied residential— 345 — — — — 345 
Acquisition and development:
Commercial and land development— 7,347 — 110 — — 7,457 
Agricultural— — 6 — — — 6 
Commercial and industrial2,583 — 704 — — — 3,287 
Residential mortgage:
First lien— — — — 6,077 — 6,077 
Home equity - term— — — — 132 — 132 
Home equity - lines of credit— — — — 3,101 — 3,101 
Installment and other loans— — 4 — — — 4 
Total$2,583 $10,864 $714 $110 $9,310 $— $23,581 
December 31, 2025
Commercial real estate:
Owner occupied$— $5,128 $— $— $— $— $5,128 
Non-owner occupied— 445 — — — — 445 
Multi-family— 133 — — — — 133 
Non-owner occupied residential— 455 — — — — 455 
Acquisition and development:
Commercial and land development— 7,897 — 347 — — 8,244 
Agricultural— — 9 — — — 9 
Commercial and industrial2,921 — 945 — — — 3,866 
Residential mortgage:
First lien— — — — 5,914 — 5,914 
Home equity - term— — — — 182 — 182 
Home equity - lines of credit— — — — 3,473 — 3,473 
Installment and other loans— — 2 — — — 2 
Total$2,921 $14,058 $956 $347 $9,569 $— $27,851 
Summary of Loans Modified by Class and Type of Modification and Effectiveness of Modifications
The following table presents the amortized cost of loans that were both experiencing financial difficulty and modified during the three and six months ended June 30, 2026 and 2025, by loan class and by type of modification. The percentage of the amortized cost of loans that were modified to borrowers experiencing difficulty as compared to the amortized cost of loan class is also presented below.
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate ReductionCombination Term Extension and Principal ForgivenessCombination Term Extension and Interest Rate ReductionsTotal Class of Financing Receivable
Three Months Ended
June 30, 2026
Acquisition and development:
Commercial and land development$— $— $4,847 $— $— $— 2.44 %
Agricultural— — 194 — — — 0.20 %
Commercial and industrial— — 659 — — — 0.13 %
Total:$— $— $5,700 $— $— $— 
June 30, 2025
Commercial real estate:
Owner-occupied$— $— $726 $— $— $— 0.12 %
Total:$— $— $726 $— $— $— 
Six Months Ended
June 30, 2026
Acquisition and development:
Commercial and land development$— $— $4,847 $— $— $— 2.44 %
Agricultural— — 194 — — — 0.20 %
Commercial and industrial— — 659 — — — 0.13 %
Total:$— $— $5,700 $— $— $— 
June 30, 2025
Commercial real estate:
Owner-occupied$— $— $726 $— $— $— 0.12 %
Acquisition and development:
Commercial and land development— — 5,016 — — — 2.52 %
Total:$— $— $5,742 $— $— $— 
The Company monitors the performance of the modified loans to borrowers experiencing financial difficulty to determine the effectiveness of its modification efforts. At June 30, 2026, modified loans to borrowers experiencing financial difficulty that had a payment default in the twelve months following the modification totaled $4.5 million, which included commercial and land development loans with modified term extensions with an amortized cost of $4.5 million and an owner-occupied commercial real estate loan with a combination of a modified term extension and interest rate reduction with an amortized cost of $77 thousand. At June 30, 2025, modified loans to borrowers experiencing financial difficulty that had a payment default in the twelve months following the modification included a commercial and industrial loan with an extension modification with an amortized cost of $44 thousand.
The following table presents the performance of the loans modified during the three and six months ended June 30, 2026 and 2025, which includes loans that remain on nonaccrual status:
Current30-59 Days Past Due60-89 Days Past Due90 Days or More Past DueTotalNon-Accrual
June 30, 2026
Acquisition and development:
Commercial and land development$— $— $— $— $— $4,847 
Agricultural194 — — — 194 — 
Commercial and industrial659 — — — 659 — 
Total:$853 $— $— $— $853 $4,847 
June 30, 2025
Commercial real estate:
Owner-occupied$726 $— $— $— $726 $— 
Acquisition and development:
Commercial and land development4,747 — — — 4,747 269 
Total:$5,473 $— $— $— $5,473 $269 
The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the six months ended June 30, 2026 and 2025:
Principal ForgivenessWeighted Average Interest Rate ReductionWeighted Average Term Extension (in years)
June 30, 2026
Acquisition and development:
Commercial and land development$— — %0.4
Agricultural— — %1.0
Commercial and industrial— — %4.0
June 30, 2025
Commercial real estate:
Owner-occupied$— — %1.0
Acquisition and development:
Commercial and land development— — %0.3
Summary of Loan Portfolio Summarized by Aging Categories of Performing Loans and Nonaccrual Loans The following table presents the classes of the loan portfolio summarized by aging categories at June 30, 2026 and December 31, 2025:
30-59 Days Past Due60-89 Days Past Due90+ Days Past DueTotal
Past Due		Loans Not Past DueTotal
Loans
June 30, 2026
Commercial real estate:
Owner occupied$831 $90 $1,015 $1,936 $677,359 $679,295 
Non-owner occupied338 260 — 598 1,304,781 1,305,379 
Multi-family— — 127 127 229,298 229,425 
Non-owner occupied residential163 — 147 310 150,607 150,917 
Acquisition and development:
1-4 family residential construction— — — — 39,344 39,344 
Commercial and land development253 — 2,341 2,594 195,805 198,399 
Agricultural— 17 — 17 97,712 97,729 
Commercial and industrial751 1,183 315 2,249 486,998 489,247 
Municipal— — — — 33,950 33,950 
Residential mortgage:
First lien525 1,808 3,229 5,562 495,744 501,306 
Home equity - term77 — 7 84 5,317 5,401 
Home equity - lines of credit1,689 218 1,255 3,162 341,333 344,495 
Other - term— — 265 265 20,664 20,929 
Installment and other loans51 11 — 62 17,153 17,215 
$4,678 $3,587 $8,701 $16,966 $4,096,065 $4,113,031 
December 31, 2025
Commercial real estate:
Owner occupied$1,066 $148 $1,770 $2,984 $641,729 $644,713 
Non-owner occupied462 792 — 1,254 1,258,944 1,260,198 
Multi-family100 — 133 233 236,470 236,703 
Non-owner occupied residential98 24 115 237 155,512 155,749 
Acquisition and development:
1-4 family residential construction— — — — 41,489 41,489 
Commercial and land development— 151 7,969 8,120 190,114 198,234 
Agricultural807 — — 807 120,610 121,417 
Commercial and industrial1,614 155 1,139 2,908 486,463 489,371 
Municipal— — — — 25,302 25,302 
Residential mortgage:
First lien9,264 3,158 4,085 16,507 462,363 478,870 
Home equity - term53 55 128 236 5,736 5,972 
Home equity - lines of credit2,101 491 2,715 5,307 316,131 321,438 
Other - term— — 346 346 22,560 22,906 
Installment and other loans28 13 5 46 18,285 18,331 
$15,593 $4,987 $18,405 $38,985 $3,981,708 $4,020,693 
Summary of Activity in the ALL and Ending Loan Balances Individually Evaluated for Impairment Based on Loan Segment
The following table presents the activity in the ACL for the three and six months ended June 30, 2026 and 2025:
CommercialConsumer
Commercial
Real Estate		Acquisition
and
Development		AgriculturalCommercial
and
Industrial		MunicipalTotalResidential
Mortgage		Installment
and Other		TotalTotal
Three Months Ended
June 30, 2026
Balance, beginning of period$26,018 $5,937 $212 $6,247 $324 $38,738 $8,216 $509 $8,725 $47,463 
Provision for credit losses(743)162 (12)246 98 (249)468 119 587 338 
Charge-offs— (668)— (420)— (1,088)(21)(145)(166)(1,254)
Recoveries4 — — 32 — 36 7 42 49 85 
Balance, end of period$25,279 $5,431 $200 $6,105 $422 $37,437 $8,670 $525 $9,195 $46,632 
June 30, 2025
Balance, beginning of period$25,893 $6,150 $163 $7,362 $427 $39,995 $7,312 $497 $7,809 $47,804 
Provision for loan losses377 (566)3 29 (42)(199)223 185 408 209 
Charge-offs(111)— (6)(195)— (312)— (192)(192)(504)
Recoveries4 1 — 288 — 293 68 28 96 389 
Balance, end of period$26,163 $5,585 $160 $7,484 $385 $39,777 $7,603 $518 $8,121 $47,898 
Six Months Ended
June 30, 2026
Balance, beginning of period$25,552 $6,179 $127 $7,114 $328 $39,300 $7,708 $673 $8,381 $47,681 
Provision for credit losses(256)5 73 152 94 68 968 30 998 1,066 
Charge-offs(37)(753)— (1,219)— (2,009)(21)(242)(263)(2,272)
Recoveries20 — — 58 — 78 15 64 79 157 
Balance, end of period$25,279 $5,431 $200 $6,105 $422 $37,437 $8,670 $525 $9,195 $46,632 
June 30, 2025
Balance, beginning of period$29,551 $6,601 $110 $6,190 $320 $42,772 $5,240 $677 $5,917 $48,689 
Provision for credit losses(3,210)(1,018)81 1,265 65 (2,817)2,221 251 2,472 (345)
Charge-offs(186)— (31)(712)— (929)— (468)(468)(1,397)
Recoveries8 2 — 741 — 751 142 58 200 951 
Balance, end of period$26,163 $5,585 $160 $7,484 $385 $39,777 $7,603 $518 $8,121 $47,898