Schedule of 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

Schedule of performance of loans and leases that have been modified to borrowers experiencing financial difficulty

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.



											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 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

Schedule of amortized cost basis of collateral dependent 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

Schedule of commercial loan portfolio by risk category


		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


		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