Allowance for Credit Losses

6 Months Ended

Jun. 30, 2026

3. Allowance for Credit Losses

The following table presents the activity of the allowance for credit losses by portfolio segment for the three months ended June 30.


Allowance for Credit Losses:				June 30, 2026
(Dollar amounts in thousands)		Commercial		Residential		Consumer		Unallocated		Total
Beginning balance		$	19,750	$	19,538	$	12,921	$	129	$	52,338
Provision for credit losses			(277)		(284)		1,428		433		1,300
Loans charged-off			(1,720)		(116)		(2,248)		—		(4,084)
Recoveries			166		123		1,095		—		1,384
Ending Balance		$	17,919	$	19,261	$	13,196	$	562	$	50,938


Allowance for Credit Losses:					June 30, 2025
(Dollar amounts in thousands)		Commercial			Residential		Consumer		Unallocated			Total
Beginning balance		$	17,525		$	16,965	$	12,336	$	9		$	46,835
Provision for credit losses			(1,020)			820		1,834		316			1,950
Loans charged-off			(209)			(9)		(2,710)		—			(2,928)
Recoveries			112			19		1,099		—			1,230
Ending Balance		$	16,408		$	17,795	$	12,559	$	325		$	47,087

The following table presents the activity of the allowance for credit losses by portfolio segment for the six months ended June 30.


Allowance for Credit Losses:				June 30, 2026
(Dollar amounts in thousands)		Commercial		Residential		Consumer		Unallocated		Total
Beginning balance		$	18,805	$	16,620	$	12,348	$	222	$	47,995
Initial allowance on acquired loans			502		2,722		96		—		3,320
Provision for credit losses			200		(110)		3,420		340		3,850
Loans charged-off			(1,894)		(181)		(4,954)		—		(7,029)
Recoveries			306		210		2,286		—		2,802
Ending Balance		$	17,919	$	19,261	$	13,196	$	562	$	50,938


Allowance for Credit Losses:					June 30, 2025
(Dollar amounts in thousands)		Commercial			Residential		Consumer		Unallocated			Total
Beginning balance		$	16,963		$	17,470	$	12,046	$	253		$	46,732
Provision for credit losses			(245)			280		3,793		72			3,900
Loans charged-off			(699)			(117)		(5,353)		—			(6,169)
Recoveries			389			162		2,073		—			2,624
Ending Balance		$	16,408		$	17,795	$	12,559	$	325		$	47,087

The tables below present the recorded investment in non-performing loans by class of loans.


		June 30, 2026
		Loans Past				Nonaccrual
		Due Over				With No
		90 Days				Allowance
		and Greater
(Dollar amounts in thousands)		Still Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial		$	868	$	1,759	$	597
Farmland			—		191		—
Non Farm, Non Residential			432		14,645		14,202
Agriculture			—		886		279
All Other Commercial			—		187		143
Residential
First Liens			1,063		2,956		943
Home Equity			424		206		—
Junior Liens			310		311		—
Multifamily			1		59		—
All Other Residential			—		494		493
Consumer
Motor Vehicle			29		2,202		—
All Other Consumer			—		139		—
TOTAL		$	3,127	$	24,035	$	16,657


		December 31, 2025
		Loans Past				Nonaccrual
		Due Over				With No
		90 Days				Allowance
		and Greater
(Dollar amounts in thousands)		Still Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial		$	51	$	6,058	$	394
Farmland			—		—		—
Non Farm, Non Residential			—		15,365		13,126
Agriculture			—		1,218		—
All Other Commercial			—		195		143
Residential
First Liens			606		918		82
Home Equity			178		442		—
Junior Liens			232		81		—
Multifamily			47		517		205
All Other Residential			—		39		20
Consumer
Motor Vehicle			—		2,449		—
All Other Consumer			—		213		—
TOTAL		$	1,114	$	27,495	$	13,970

The following tables present the amortized cost basis of collateral dependent loans by class of loans:


		June 30, 2026
		Collateral Type
(Dollar amounts in thousands)		Real Estate		Other
Commercial
Commercial & Industrial		$	—	$	5,254
Farmland			—		—
Non Farm, Non Residential			16,937		—
Agriculture			—		710
All Other Commercial			143		—
Residential
First Liens			3,703		—
Home Equity			—		—
Junior Liens			612		—
Multifamily			—		—
All Other Residential			493		—
Consumer
Motor Vehicle			—		—
All Other Consumer			—		—
Total		$	21,888	$	5,964


	December 31, 2025
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	3,644	$	5,666
Farmland		48		—
Non Farm, Non Residential		17,572		—
Agriculture		—		829
All Other Commercial		143		—
Residential
First Liens		82		—
Home Equity		—		—
Junior Liens		—		—
Multifamily		205		—
All Other Residential		20		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	21,714	$	6,495

The following tables present the aging of the recorded investment in loans by past due category and class of loans.


		June 30, 2026
						90 Days
		30-59 Days		60-89 Days		and Greater		Total
(Dollar amounts in thousands)		Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial		$	688	$	540	$	1,263	$	2,491	$	640,951	$	643,442
Farmland			431		—		—		431		124,906		125,337
Non Farm, Non Residential			966		397		840		2,203		1,128,973		1,131,176
Agriculture			30		67		441		538		121,816		122,354
All Other Commercial			587		25		150		762		414,338		415,100
Residential
First Liens			675		601		3,356		4,632		560,209		564,841
Home Equity			373		53		591		1,017		135,915		136,932
Junior Liens			426		503		584		1,513		81,874		83,387
Multifamily			86		—		18		104		500,947		501,051
All Other Residential			—		754		493		1,247		33,646		34,893
Consumer
Motor Vehicle			5,067		942		534		6,543		689,068		695,611
All Other Consumer			379		67		35		481		28,563		29,044
TOTAL		$	9,708	$	3,949	$	8,305	$	21,962	$	4,461,206	$	4,483,168


		December 31, 2025
						90 Days
		30-59 Days		60-89 Days		and Greater		Total
(Dollar amounts in thousands)		Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial		$	883	$	3,937	$	1,640	$	6,460	$	642,454	$	648,914
Farmland			320		—		—		320		128,663		128,983
Non Farm, Non Residential			1,060		1,772		85		2,917		910,280		913,197
Agriculture			63		71		343		477		141,341		141,818
All Other Commercial			17		—		175		192		556,861		557,053
Residential
First Liens			3,852		1,151		779		5,782		444,131		449,913
Home Equity			618		234		566		1,418		105,700		107,118
Junior Liens			403		126		266		795		71,989		72,784
Multifamily			187		265		68		520		331,317		331,837
All Other Residential			26		—		24		50		28,936		28,986
Consumer
Motor Vehicle			7,186		1,457		629		9,272		653,385		662,657
All Other Consumer			392		103		68		563		28,056		28,619
TOTAL		$	15,007	$	9,116	$	4,643	$	28,766	$	4,043,113	$	4,071,879

Loan Modifications Made to Borrowers Experiencing Financial Difficulty:

Modification of the terms of such loans typically include one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.

The following table presents the amortized cost of loans and leases at June 30, 2026 that were both experiencing financial difficulty and modified during the twelve months ended June 30, 2026, by class and by type of modification. The percentage of the amortized cost of loans and leases that were modified to borrowers in financial distress as compared to the amortized cost of each class of financial receivable is also presented below.



											Combination		Combination
											Term		Term		Total
											Extension and		Extension		Class of
		Principal		Payment		Term		Interest Rate			Principal		Interest Rate		Financing
(Dollar amounts in thousands)		Forgiveness		Delay		Extension		Reduction		Forgiveness		Reduction		Receivable
Residential
First Liens		$	—	$	—	$	259	$	—	$	—	$	50		0.05	%
Junior Liens			—		—		14		—		—		51		0.08	%
All Other Residential			—		—		—		—		—		74		0.21	%
Consumer
Motor Vehicle			23		—		44		—		152		32		0.04	%
TOTAL		$	23	$	—	$	317	$	—	$	152	$	207		0.02	%

The Corporation has no commitments to lend additional amounts to the borrowers included in the table above.

The Corporation closely monitors the performance of loans and leases that have been modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of such loans that have been modified in the last twelve months:


		June 30, 2026

		30 - 59		60 - 89		Greater Than
		Days		Days		89 Days		Total
(Dollar amounts in thousands)		Past Due		Past Due		Past Due		Past Due

Residential
First Liens		$	50	$	—	$	—	$	50
TOTAL		$	50	$	—	$	—	$	50

The following table presents the financial effect of loan and lease modifications presented above to borrowers experiencing financial difficulty for the twelve months ended June 30, 2026.


				Weighted-			Weighted-
				Average			Average
		Principal		Interest Rate			Term
(Dollar amounts in thousands)		Forgiveness		Reduction			Extension
								(months)
Residential
First Liens		$	—		2.12	%		71
Junior Liens			—		1.25	%		99
All Other Residential			—		0.63	%		180
Consumer
Motor Vehicle			81		1.06	%		24
TOTAL		$	81		1.25	%		72

The following table presents the amortized cost basis of loans that had a payment default during the twelve months ended June 30, 2026 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty. A loan is considered to be in payment default once it is 30 days contractually past due under the modified terms.



		Principal		Payment		Term		Interest Rate
(Dollar amounts in thousands)		Forgiveness		Delay		Extension		Reduction

Residential
First Liens		$	—	$	—	$	50	$	50
TOTAL		$	—	$	—	$	50	$	50

Upon the Corporation’s determination that a modified loan has subsequently been deemed uncollectible, the loan is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.

Credit Quality Indicators:

The Corporation categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Corporation analyzes loans individually by classifying the loans as to credit risk. This analysis includes non-homogeneous loans, such as commercial loans, with an outstanding balance greater than $250 thousand. Any consumer loans outstanding to a borrower who had commercial loans analyzed will be similarly risk rated. This analysis is performed on a quarterly basis. The Corporation uses the following definitions for risk ratings:

Special Mention: Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.

Substandard: Loans classified as substandard are inadequately protected by the current net worth and debt service capacity of the borrower or of any pledged collateral. These loans have a well-defined weakness or weaknesses which have clearly jeopardized repayment of principal and interest as originally intended. They are characterized by the distinct possibility that the institution will sustain some future loss if the deficiencies are not corrected.

Doubtful: Loans classified as doubtful have all the weaknesses inherent in those graded substandard, with the added characteristic that the severity of the weaknesses makes collection or liquidation in full highly questionable or improbable based upon currently existing facts, conditions, and values.

Furthermore, non-homogeneous loans which were not individually analyzed, but are 90+ days past due or on non-accrual are classified as substandard. Loans included in homogeneous pools, such as residential or consumer may be classified as substandard due to 90+ days delinquency, non-accrual status, bankruptcy, or loan restructuring.

The following tables present the commercial loan portfolio by risk category. These balances do not include accrued interest:


		June 30, 2026
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2026		2025		2024		2023		2022		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	66,945	$	63,406	$	64,023	$	25,051	$	85,299	$	151,192	$	153,520	$	609,436
	Special Mention		4,839		561		1,513		2,292		400		4,468		5,451	$	19,524
	Substandard		407		62		8		62		511		4,184		3,809	$	9,043
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		466		1,245		877		381		162		106		—	$	3,237
	Subtotal	$	72,657	$	65,274	$	66,421	$	27,786	$	86,372	$	159,950	$	162,780	$	641,240

	Current period gross charge-offs	$	-	$	100	$	46	$	-	$	10	$	1	$	-	$	157

Farmland	Pass	$	6,951	$	13,783	$	8,291	$	17,201	$	13,020	$	54,918	$	435	$	114,599
	Special Mention		880		749		1,357		478		81		2,378		—	$	5,923
	Substandard		—		895		—		—		—		1,487		—	$	2,382
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		5		—	$	5
	Subtotal	$	7,831	$	15,427	$	9,648	$	17,679	$	13,101	$	58,788	$	435	$	122,909

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Non Farm, Non Residential	Pass	$	49,339	$	178,219	$	193,631	$	124,011	$	172,063	$	359,457	$	21,069	$	1,097,789
	Special Mention		—		—		8,300		—		8		2,079		—	$	10,387
	Substandard		—		—		—		—		142		18,734		—	$	18,876
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		676		—	$	676
	Subtotal	$	49,339	$	178,219	$	201,931	$	124,011	$	172,213	$	380,946	$	21,069	$	1,127,728

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	772	$	-	$	772

Agriculture	Pass	$	4,306	$	7,231	$	8,750	$	4,669	$	3,468	$	17,795	$	57,431	$	103,650
	Special Mention		100		1,328		241		825		2,713		2,575		6,707	$	14,489
	Substandard		225		40		18		80		—		718		930	$	2,011
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		1		—		—		—		—	$	1
	Subtotal	$	4,631	$	8,599	$	9,010	$	5,574	$	6,181	$	21,088	$	65,068	$	120,151

	Current period gross charge-offs	$	-	$	-	$	256	$	73	$	55	$	225	$	-	$	609

Other Commercial	Pass	$	49,446	$	135,096	$	48,500	$	13,844	$	66,965	$	85,164	$	11,984	$	410,999
	Special Mention		—		300		560		—		—		—		—	$	860
	Substandard		—		—		—		—		—		206		—	$	206
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		13		—		—		—		51		168		—	$	232
	Subtotal	$	49,459	$	135,396	$	49,060	$	13,844	$	67,016	$	85,538	$	11,984	$	412,297

	Current period gross charge-offs	$	356	$	-	$	-	$	-	$	-	$	-	$	-	$	356

Residential
Multifamily >5 Residential	Pass	$	6,939	$	73,198	$	137,331	$	79,567	$	68,175	$	109,780	$	4,353	$	479,343
	Special Mention		6,121		—		—		—		11,838		211		—	$	18,170
	Substandard		—		—		—		—		—		17		—	$	17
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		1,335		—	$	1,335
	Subtotal	$	13,060	$	73,198	$	137,331	$	79,567	$	80,013	$	111,343	$	4,353	$	498,865

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Total	Pass	$	183,926	$	470,933	$	460,526	$	264,343	$	408,990	$	778,306	$	248,792	$	2,815,816
	Special Mention		11,940		2,938		11,971		3,595		15,040		11,711		12,158	$	69,353
	Substandard		632		997		26		142		653		25,346		4,739	$	32,535
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		479		1,245		878		381		213		2,290		—	$	5,486
		$	196,977	$	476,113	$	473,401	$	268,461	$	424,896	$	817,653	$	265,689	$	2,923,190


		December 31, 2025
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2025		2024		2023		2022		2021		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	109,471	$	69,074	$	31,396	$	89,638	$	70,630	$	99,985	$	140,465	$	610,659
	Special Mention		—		6,292		302		1,145		5,347		3,769		2,603	$	19,458
	Substandard		—		11		32		504		1,511		6,737		4,203	$	12,998
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,595		1,061		514		289		115		53		—	$	3,627
	Subtotal	$	111,066	$	76,438	$	32,244	$	91,576	$	77,603	$	110,544	$	147,271	$	646,742

	Current period gross charge-offs	$	81	$	52	$	-	$	86	$	56	$	219	$	-	$	494

Farmland	Pass	$	15,852	$	9,054	$	17,769	$	14,137	$	15,774	$	49,862	$	365	$	122,813
	Special Mention		—		1,145		701		—		—		87		—	$	1,933
	Substandard		—		—		478		—		—		626		—	$	1,104
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		6		—	$	6
	Subtotal	$	15,852	$	10,199	$	18,948	$	14,137	$	15,774	$	50,581	$	365	$	125,856

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Non Farm, Non Residential	Pass	$	156,729	$	157,955	$	90,074	$	153,861	$	138,925	$	170,080	$	9,680	$	877,304
	Special Mention		—		8,350		—		946		—		2,034		—	$	11,330
	Substandard		—		—		—		1,924		15,699		3,382		—	$	21,005
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		697		—	$	697
	Subtotal	$	156,729	$	166,305	$	90,074	$	156,731	$	154,624	$	176,193	$	9,680	$	910,336

	Current period gross charge-offs	$	-	$	-	$	-	$	33	$	-	$	11	$	-	$	44

Agriculture	Pass	$	13,315	$	10,053	$	6,034	$	6,428	$	3,040	$	27,137	$	56,978	$	122,985
	Special Mention		385		84		—		914		141		999		4,298	$	6,821
	Substandard		29		287		207		142		17		4,422		3,865	$	8,969
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		1		—		1		21		—		—	$	23
	Subtotal	$	13,729	$	10,425	$	6,241	$	7,485	$	3,219	$	32,558	$	65,141	$	138,798

	Current period gross charge-offs	$	-	$	4	$	-	$	-	$	-	$	83	$	-	$	87

Other Commercial	Pass	$	95,156	$	87,870	$	62,856	$	90,093	$	70,734	$	136,922	$	7,986	$	551,617
	Special Mention		300		560		—		—		—		—		—	$	860
	Substandard		—		—		—		—		541		213		—	$	754
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		15		—		366		—	$	381
	Subtotal	$	95,456	$	88,430	$	62,856	$	90,108	$	71,275	$	137,501	$	7,986	$	553,612

	Current period gross charge-offs	$	728	$	-	$	-	$	-	$	-	$	-	$	-	$	728

Residential
Multifamily >5 Residential	Pass	$	30,157	$	96,593	$	55,938	$	54,759	$	34,709	$	37,417	$	544	$	310,117
	Special Mention		—		—		—		12,075		—		6,319		—	$	18,394
	Substandard		—		—		—		205		—		280		—	$	485
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		420		953		—	$	1,373
	Subtotal	$	30,157	$	96,593	$	55,938	$	67,039	$	35,129	$	44,969	$	544	$	330,369

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Total	Pass	$	420,680	$	430,599	$	264,067	$	408,916	$	333,812	$	521,403	$	216,018	$	2,595,495
	Special Mention		685		16,431		1,003		15,080		5,488		13,208		6,901	$	58,796
	Substandard		29		298		717		2,775		17,768		15,660		8,068	$	45,315
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,595		1,062		514		305		556		2,075		—	$	6,107
		$	422,989	$	448,390	$	266,301	$	427,076	$	357,624	$	552,346	$	230,987	$	2,705,713

The Corporation evaluates the credit quality of its other loan portfolios, which includes residential real estate, consumer and lease financing loans, based primarily on the aging status of the loan and payment activity. Accordingly, loans on non-accrual status and loans past due 90 days or more and still accruing interest are considered to be nonperforming for purposes of credit quality evaluation. The following table presents the other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming. These balances do not include accrued interest:


		June 30, 2026
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2026		2025		2024		2023		2022		Prior		Loans		Total
Residential
First Liens	Performing	$	37,513	$	71,379	$	78,667	$	50,999	$	77,353	$	234,219	$	8,726	$	558,856
	Non-performing		—		80		2,222		262		73		1,389		—	$	4,026
	Subtotal	$	37,513	$	71,459	$	80,889	$	51,261	$	77,426	$	235,608	$	8,726	$	562,882

	Current period gross charge-offs	$	-	$	9	$	-	$	-	$	10	$	74	$	-	$	93

Home Equity	Performing	$	388	$	622	$	537	$	467	$	562	$	3,212	$	130,076	$	135,864
	Non-performing		—		—		28		307		28		130		127	$	620
	Subtotal	$	388	$	622	$	565	$	774	$	590	$	3,342	$	130,203	$	136,484

	Current period gross charge-offs	$	-	$	-	$	21	$	-	$	-	$	4	$	-	$	25

Junior Liens	Performing	$	11,762	$	22,610	$	12,803	$	9,048	$	8,834	$	11,970	$	5,473	$	82,500
	Non-performing		—		16		284		154		75		87		—	$	616
	Subtotal	$	11,762	$	22,626	$	13,087	$	9,202	$	8,909	$	12,057	$	5,473	$	83,116

	Current period gross charge-offs	$	-	$	19	$	-	$	-	$	-	$	6	$	-	$	25

Other Residential	Performing	$	6,093	$	12,115	$	4,298	$	5,151	$	3,408	$	3,202	$	—	$	34,267
	Non-performing		—		—		493		—		—		1		—	$	494
	Subtotal	$	6,093	$	12,115	$	4,791	$	5,151	$	3,408	$	3,203	$	—	$	34,761

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	38	$	-	$	38

Consumer
Motor Vehicle	Performing	$	170,868	$	237,587	$	135,155	$	85,837	$	51,613	$	9,277	$	109	$	690,446
	Non-performing		43		410		579		383		623		174		—	$	2,212
	Subtotal	$	170,911	$	237,997	$	135,734	$	86,220	$	52,236	$	9,451	$	109	$	692,658

	Current period gross charge-offs	$	71	$	1,308	$	960	$	1,039	$	1,060	$	164	$	-	$	4,602

Other Consumer	Performing	$	2,874	$	3,812	$	3,448	$	1,783	$	1,329	$	1,542	$	13,945	$	28,733
	Non-performing		—		15		40		67		2		13		23	$	160
	Subtotal	$	2,874	$	3,827	$	3,488	$	1,850	$	1,331	$	1,555	$	13,968	$	28,893

	Current period gross charge-offs	$	-	$	35	$	75	$	19	$	14	$	70	$	139	$	352

Total	Performing	$	229,498	$	348,125	$	234,908	$	153,285	$	143,099	$	263,422	$	158,329	$	1,530,666
	Non-performing		43		521		3,646		1,173		801		1,794		150	$	8,128
Total other loans		$	229,541	$	348,646	$	238,554	$	154,458	$	143,900	$	265,216	$	158,479	$	1,538,794


		December 31, 2025
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2025		2024		2023		2022		2021		Prior		Loans		Total
Residential
First Liens	Performing	$	64,142	$	61,775	$	39,526	$	74,359	$	60,920	$	144,310	$	1,786	$	446,818
	Non-performing		—		70		—		—		45		1,456		—	$	1,571
	Subtotal	$	64,142	$	61,845	$	39,526	$	74,359	$	60,965	$	145,766	$	1,786	$	448,389

	Current period gross charge-offs	$	-	$	33	$	31	$	-	$	-	$	11	$	-	$	75

Home Equity	Performing	$	338	$	938	$	793	$	650	$	259	$	1,284	$	101,907	$	106,169
	Non-performing		—		—		—		33		17		175		393	$	618
	Subtotal	$	338	$	938	$	793	$	683	$	276	$	1,459	$	102,300	$	106,787

	Current period gross charge-offs	$	-	$	-	$	-	$	22	$	-	$	19	$	10	$	51

Junior Liens	Performing	$	23,832	$	13,403	$	9,409	$	9,145	$	4,674	$	9,676	$	2,107	$	72,246
	Non-performing		—		14		152		25		17		99		—	$	307
	Subtotal	$	23,832	$	13,417	$	9,561	$	9,170	$	4,691	$	9,775	$	2,107	$	72,553

	Current period gross charge-offs	$	-	$	30	$	-	$	-	$	-	$	85	$	-	$	115

Other Residential	Performing	$	7,829	$	6,807	$	3,843	$	4,991	$	3,573	$	1,757	$	—	$	28,800
	Non-performing		—		—		—		—		49		8		—	$	57
	Subtotal	$	7,829	$	6,807	$	3,843	$	4,991	$	3,622	$	1,765	$	—	$	28,857

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Consumer
Motor Vehicle	Performing	$	279,286	$	168,244	$	113,956	$	76,182	$	14,119	$	5,441	$	9	$	657,237
	Non-performing		222		519		500		866		194		128		—	$	2,429
	Subtotal	$	279,508	$	168,763	$	114,456	$	77,048	$	14,313	$	5,569	$	9	$	659,666

	Current period gross charge-offs	$	759	$	2,380	$	2,279	$	4,075	$	713	$	249	$	-	$	10,455

Other Consumer	Performing	$	4,776	$	5,276	$	2,726	$	1,503	$	1,137	$	942	$	11,842	$	28,202
	Non-performing		2		67		67		19		35		12		65	$	267
	Subtotal	$	4,778	$	5,343	$	2,793	$	1,522	$	1,172	$	954	$	11,907	$	28,469

	Current period gross charge-offs	$	13	$	246	$	180	$	53	$	44	$	24	$	201	$	761

Total	Performing	$	380,203	$	256,443	$	170,253	$	166,830	$	84,682	$	163,410	$	117,651	$	1,339,472
	Non-performing		224		670		719		943		357		1,878		458	$	5,249
Total other loans		$	380,427	$	257,113	$	170,972	$	167,773	$	85,039	$	165,288	$	118,109	$	1,344,721

The Corporation has purchased loans, for which there was, at acquisition, evidence of more than insignificant deterioration of credit quality since origination. The carrying amount of those loans is as follows:




(Dollar amounts in thousands)	2026		2025

Purchase price of loans at acquisition	$	2,795	$	—
Allowance for credit losses at acquisition		695		—
Non-credit discount at acquisition		226		—
		—		—
Par value of loans at acquisition	$	3,716	$	—