| Schedule of ACL - OBS by Segment |
The following table presents the activity in the ACL - OBS by segment for the three and six months ended June 30, 2026 and 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | (In thousands) | | Balance as of
March 31, 2026 | | Initial ACL Recorded On Acquired Commitments | | (Benefit)/Provision for Credit Loss | | Balance as of
June 30, 2026 | | 1-4 Family Rental | | $ | 11 | | | $ | — | | | $ | — | | | $ | 11 | | | C&I | | 1,538 | | | — | | | (43) | | | 1,496 | | | CRE NonOwner Occupied | | 124 | | | — | | | (10) | | | 114 | | | CRE Owner Occupied | | 113 | | | — | | | (19) | | | 94 | | | Consumer | | 3 | | | — | | | 1 | | | 4 | | | Farmland | | 96 | | | — | | | 2 | | | 98 | | | HELOC & Junior Liens | | 199 | | | — | | | 99 | | | 298 | | | Multifamily | | 12 | | | — | | | 1 | | | 13 | | | Other Construction & Land | | 760 | | | — | | | (24) | | | 737 | | | Residential Construction | | 219 | | | — | | | (38) | | | 181 | | | Residential First Liens | | 4 | | | — | | | 2 | | | 6 | | | | $ | 3,079 | | | $ | — | | | $ | (29) | | | $ | 3,051 | | | | | | | | | | | | (In thousands) | | Balance as of
December 31, 2025 | | Initial ACL Recorded On Acquired Commitments (1) | | (Benefit)/Provision for Credit Loss | | Balance as of
June 30, 2026 | | 1-4 Family Rental | | $ | 12 | | | $ | — | | | $ | (1) | | | $ | 11 | | | C&I | | 1,457 | | | 83 | | | (45) | | | 1,496 | | | CRE NonOwner Occupied | | 134 | | | — | | | (20) | | | 114 | | | CRE Owner Occupied | | 93 | | | — | | | 1 | | | 94 | | | Consumer | | 3 | | | — | | | 1 | | | 4 | | | Farmland | | 97 | | | — | | | 1 | | | 98 | | | HELOC & Junior Liens | | 130 | | | 64 | | | 104 | | | 298 | | | Multifamily | | 12 | | | — | | | 1 | | | 13 | | | Other Construction & Land | | 742 | | | 33 | | | (39) | | | 737 | | | Residential Construction | | 229 | | | 40 | | | (88) | | | 181 | | | Residential First Liens | | 4 | | | — | | | 2 | | | 6 | | | | $ | 2,913 | | | $ | 220 | | | $ | (83) | | | $ | 3,051 | |
(1) Includes a $220 thousand initial allowance on unfunded commitments acquired in the 1st Colonial acquisition. | | | | | | | | | | | | | | | | | | | | | | (In thousands) | | Balance as of
March 31, 2025 | | (Benefit)/Provision for Credit Loss (1) | | Balance as of
June 30, 2025 | | 1-4 Family Rental | | $ | 13 | | | $ | 3 | | | $ | 16 | | | C&I | | 1,322 | | | (120) | | | 1,202 | | | CRE NonOwner Occupied | | 109 | | | 4 | | | 113 | | | CRE Owner Occupied | | 105 | | | 13 | | | 118 | | | Consumer | | 3 | | | — | | | 3 | | | Farmland | | 112 | | | (13) | | | 99 | | | HELOC & Junior Liens | | 95 | | | 30 | | | 125 | | | Multifamily | | 22 | | | 1 | | | 23 | | | Other Construction & Land | | 660 | | | 382 | | | 1,042 | | | Residential Construction | | 471 | | | (2) | | | 469 | | | Residential First Liens | | 7 | | | — | | | 7 | | | | $ | 2,919 | | | $ | 298 | | | $ | 3,217 | | | | | | | | | | (In thousands) | | Balance as of
December 31, 2024 | | (Benefit)/Provision for Credit Loss (1) | | Balance as of
June 30, 2025 | | 1-4 Family Rental | | $ | 16 | | | $ | — | | | $ | 16 | | | C&I | | 1,165 | | | 37 | | | 1,202 | | | CRE NonOwner Occupied | | 132 | | | (19) | | | 113 | | | CRE Owner Occupied | | 98 | | | 20 | | | 118 | | | Consumer | | 3 | | | — | | | 3 | | | Farmland | | 92 | | | 7 | | | 99 | | | HELOC & Junior Liens | | 92 | | | 33 | | | 125 | | | Multifamily | | 27 | | | (4) | | | 23 | | | Other Construction & Land | | 792 | | | 250 | | | 1,042 | | | Residential Construction | | 516 | | | (47) | | | 469 | | | Residential First Liens | | 6 | | | 1 | | | 7 | | | | $ | 2,939 | | | $ | 278 | | | $ | 3,217 | |
(1) Includes a $274 thousand initial allowance on unfunded commitments acquired in the William Penn acquisition.
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