Loans and Allowance for Credit Losses on Loans

Schedule of changes in the allowance for loan losses by segment of loans based on method of impairment



				Provision for
	Beginning			(Release of)									Ending
Allowance for credit losses	Balance			Credit Losses ¹			Charge-offs			Recoveries			Balance
Three months ended June 30, 2026
Commercial	$	12,639		$	4,681		$	3,002		$	19		$	14,337
Leases		2,327			329			346			2			2,312
Commercial real estate – investor		20,873			1,420			2,819			15			19,489
Commercial real estate – owner occupied		4,932			(298)			-			1			4,635
Construction		1,202			(64)			-			-			1,138
Residential real estate – investor		754			(189)			-			1			566
Residential real estate – owner occupied		1,953			(484)			-			21			1,490
Multifamily		1,608			(105)			-			-			1,503
HELOC		3,617			(273)			-			14			3,358
Powersport		16,917			2,725			3,592			766			16,816
Other		5,304			(240)			412			84			4,736
Total	$	72,126		$	7,502		$	10,171		$	923		$	70,380

¹ Amount does not include the provision for unfunded commitment liability.



				Provision for
	Beginning			(Release of)									Ending
Allowance for credit losses	Balance			Credit Losses ¹			Charge-offs			Recoveries			Balance
Six months ended June 30, 2026
Commercial	$	11,183		$	7,435		$	4,330		$	49		$	14,337
Leases		2,370			483			658			117			2,312
Commercial real estate – investor		21,672			4,540			6,752			29			19,489
Commercial real estate – owner occupied		4,583			46			-			6			4,635
Construction		1,527			(389)			-			-			1,138
Residential real estate – investor		759			(196)			-			3			566
Residential real estate – owner occupied		1,879			(417)			-			28			1,490
Multifamily		1,493			10			-			-			1,503
HELOC		3,628			(290)			2			22			3,358
Powersport		17,449			6,087			8,253			1,533			16,816
Other		5,758			(206)			969			153			4,736
Total	$	72,301		$	17,103		$	20,964		$	1,940		$	70,380

¹ Amount does not include the provision for unfunded commitment liability.


				Provision for
	Beginning			(Release of)									Ending
Allowance for credit losses	Balance			Credit Losses ¹			Charge-offs			Recoveries			Balance
Three months ended June 30, 2025
Commercial	$	7,847		$	431		$	1,125		$	32		$	7,185
Leases		2,191			86			-			3			2,280
Commercial real estate – investor		15,636			1,272			-			14			16,922
Commercial real estate – owner occupied		7,267			480			-			1			7,748
Construction		2,669			(127)			13			350			2,879
Residential real estate – investor		562			1			-			2			565
Residential real estate – owner occupied		1,840			78			-			8			1,926
Multifamily		1,853			(146)			-			-			1,707
HELOC		1,678			82			-			10			1,770
Powersport		-			-			-			-			-
Other		8			67			94			27			8
Total	$	41,551		$	2,224		$	1,232		$	447		$	42,990

¹ Amount does not include the provision for unfunded commitment liability.



				Provision for
	Beginning			(Release of)									Ending
Allowance for credit losses	Balance			Credit Losses ¹			Charge-offs			Recoveries			Balance
Six months ended June 30, 2025
Commercial	$	7,813		$	3,879		$	4,571		$	64		$	7,185
Leases		2,136			234			107			17			2,280
Commercial real estate – investor		14,528			2,366			-			28			16,922
Commercial real estate – owner occupied		10,036			(2,250)			47			9			7,748
Construction		3,581			(218)			834			350			2,879
Residential real estate – investor		553			8			-			4			565
Residential real estate – owner occupied		1,509			379			-			38			1,926
Multifamily		1,876			(169)			-			-			1,707
HELOC		1,578			170			-			22			1,770
Powersport		-			-			-			-			-
Other		9			110			202			91			8
Total	$	43,619		$	4,509		$	5,761		$	623		$	42,990

¹ Amount does not include the provision for unfunded commitment liability.

Schedule of aged analysis of past due loans by class of loans


																			90 days or
							90 Days or												Greater Past
	30-59 Days			60-89 Days			Greater Past			Total Past									Due and
June 30, 2026	Past Due			Past Due			Due			Due			Current			Total Loans			Accruing
Commercial	$	50			-			15,020			15,070			898,457		$	913,527		$	-
Leases		1,462			556			1,740			3,758			533,439			537,197			-
Commercial real estate – investor		194			-			8,712			8,906			1,150,262			1,159,168			-
Commercial real estate – owner occupied		-			84			8,609			8,693			658,952			667,645			312
Construction		-			-			1,687			1,687			151,866			153,553			-
Residential real estate – investor		1,043			80			507			1,630			63,503			65,133			-
Residential real estate – owner occupied		254			104			1,028			1,386			241,382			242,768			274
Multifamily		578			-			1,094			1,672			361,680			363,352			-
HELOC		3,018			449			592			4,059			235,248			239,307			-
Powersport		11,183			3,705			2,211			17,099			666,840			683,939			2,051
Other		179			70			322			571			219,710			220,281			99
Total	$	17,961		$	5,048		$	41,522		$	64,531		$	5,181,339		$	5,245,870		$	2,736


																			90 days or
							90 Days or												Greater Past
	30-59 Days			60-89 Days			Greater Past			Total Past									Due and
December 31, 2025	Past Due			Past Due			Due			Due			Current			Total Loans			Accruing
Commercial	$	565			-			4,746			5,311			836,819		$	842,130		$	1,241
Leases		2,116			595			1,677			4,388			543,868			548,256			471
Commercial real estate – investor		10,604			89			-			10,693			1,201,691			1,212,384			-
Commercial real estate – owner occupied		7,176			819			11,389			19,384			687,183			706,567			250
Construction		1,546			1,349			635			3,530			170,100			173,630			-
Residential real estate – investor		120			699			152			971			69,254			70,225			-
Residential real estate – owner occupied		7,983			562			757			9,302			221,130			230,432			141
Multifamily		404			313			1,070			1,787			337,344			339,131			-
HELOC		5,219			441			451			6,111			229,182			235,293			-
Powersport		13,796			4,860			2,778			21,434			675,525			696,959			2,710
Other		1,873			702			217			2,792			194,332			197,124			66
Total	$	51,402		$	10,429		$	23,872		$	85,703		$	5,166,428		$	5,252,131		$	4,879

Schedule of credit quality indicators by class of loans

For residential owner-occupied, HELOC, powersport, and the other loan portfolios, the Company evaluates credit quality based on the

aging status of the loan and by payment activity. Nonperforming loans are those that are either 90 days or more past due and accruing or

are on nonaccrual, and all other loans not meeting these criteria are considered performing as presented on page 24.

Credit quality indicators by loan classification and contractual loan origination date at June 30, 2026, were as follows:


	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted To Term Loans		Total
Commercial
Pass	$	189,762	$	225,994	$	120,164	$	88,728	$	17,128	$	15,785	$	204,510	$	-	$	862,071
Special Mention		-		-		960		-		-		-		10,850		-		11,810
Substandard		-		374		679		8,403		1,348		77		22,765		-		33,646
Doubtful		-		-		-		6,000		-		-		-		-		6,000
Total commercial		189,762		226,368		121,803		103,131		18,476		15,862		238,125		-		913,527

Leases
Pass		107,664		207,519	$	135,481		59,437		17,540		6,381		-		-		534,022
Special Mention		-		-		-		-		202		43		-		-		245
Substandard		-		357		687		1,107		779		-		-		-		2,930
Total leases		107,664		207,876		136,168		60,544		18,521		6,424		-		-		537,197

Commercial real estate – investor
Pass		103,461		280,870		175,348		105,888		249,248		216,023		6,174		-		1,137,012
Special Mention		-		432		7,149		-		1,130		2,183		-		-		10,894
Substandard		-		-		8,390		114		1,665		1,093		-		-		11,262
Total commercial real estate – investor		103,461		281,302		190,887		106,002		252,043		219,299		6,174		-		1,159,168

Commercial real estate – owner occupied
Pass		90,486		190,041		55,957		57,289		49,420		151,773		9,215		-		604,181
Special Mention		-		-		-		1,701		3,181		-		-		-		4,882
Substandard		-		2,107		5,400		20,371		5,200		24,755		-		749		58,582
Total commercial real estate – owner occupied		90,486		192,148		61,357		79,361		57,801		176,528		9,215		749		667,645

Credit quality indicators by loan classification and contractual loan origination date at June 30, 2026, continued:
	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted To Term Loans		Total
Construction
Pass		4,627		73,174		35,590		486		25,601		1,099		-		-		140,577
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		102		1,936		885		9,938		115		-		-		12,976
Total construction		4,627		73,276		37,526		1,371		35,539		1,214		-		-		153,553

Residential real estate – investor
Pass		3,436		10,595		5,377		2,866		14,556		25,188		2,453		-		64,471
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		662		-		-		662
Total residential real estate – investor		3,436		10,595		5,377		2,866		14,556		25,850		2,453		-		65,133

Residential real estate – owner occupied
Pass		27,764		41,497		10,350		23,335		34,652		101,878		1,216		-		240,692
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		145		337		1,594		-		-		2,076
Total residential real estate – owner occupied		27,764		41,497		10,350		23,480		34,989		103,472		1,216		-		242,768

Multifamily
Pass		31,598		55,306		19,629		78,149		92,669		84,733		71		-		362,155
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		886		311		-		-		1,197
Total multifamily		31,598		55,306		19,629		78,149		93,555		85,044		71		-		363,352

HELOC
Pass		2,907		2,525		1,882		1,453		1,466		4,445		222,379		-		237,057
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		60		-		-		274		1,916		-		2,250
Total HELOC		2,907		2,525		1,942		1,453		1,466		4,719		224,295		-		239,307

Powersport
Pass		172,661		252,905		130,763		79,802		36,565		11,045		-		-		683,741
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		3		86		45		38		26		-		-		198
Total Powersport		172,661		252,908		130,849		79,847		36,603		11,071		-		-		683,939

Other
Pass		53,642		67,367		24,816		16,246		44,802		6,757		6,333		-		219,963
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		93		198		27		-		-		318
Total other		53,642		67,367		24,816		16,339		45,000		6,784		6,333		-		220,281

Total loans
Pass		788,008		1,407,793		715,357		513,679		583,647		625,107		452,351		-		5,085,942
Special Mention		-		432		8,109		1,701		4,513		2,226		10,850		-		27,831
Substandard		-		2,943		17,238		31,163		20,389		28,934		24,681		749		126,097
Doubtful		-		-		-		6,000		-		-		-		-		6,000
Total loans	$	788,008	$	1,411,168	$	740,704	$	552,543	$	608,549	$	656,267	$	487,882	$	749	$	5,245,870

Credit quality indicators by loan classification and loan origination date at December 31, 2025, were as follows:


	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted To Term Loans		Total
Commercial
Pass	$	275,155	$	161,529	$	94,487	$	22,843	$	8,699	$	9,730	$	214,846	$	125	$	787,414
Special Mention		-		-		-		212		-		-		2,917		-		3,129
Substandard		231		926		19,241		3,611		291		-		27,287		-		51,587
Total commercial		275,386		162,455		113,728		26,666		8,990		9,730		245,050		125		842,130

Leases
Pass		247,515		172,825	$	84,533		27,993		10,164		2,038		-		-		545,068
Special Mention		-		-		374		263		123		-		-		-		760
Substandard		-		214		469		1,745		-		-		-		-		2,428
Total leases		247,515		173,039		85,376		30,001		10,287		2,038		-		-		548,256

Commercial real estate – investor
Pass		296,219		217,761		120,630		255,701		199,993		99,144		6,371		-		1,195,819
Special Mention		82		-		-		-		41		2,197		-		-		2,320
Substandard		-		9,703		1,677		1,690		-		1,175		-		-		14,245
Total commercial real estate – investor		296,301		227,464		122,307		257,391		200,034		102,516		6,371		-		1,212,384

Commercial real estate – owner occupied
Pass		193,988		76,480		67,749		76,670		106,107		103,545		10,309		-		634,848
Special Mention		-		-		161		3,542		2,153		1,782		-		-		7,638
Substandard		58		-		20,929		8,996		20,252		13,846		-		-		64,081
Total commercial real estate – owner occupied		194,046		76,480		88,839		89,208		128,512		119,173		10,309		-		706,567

Construction
Pass		53,522		48,906		31,121		27,500		332		828		-		-		162,209
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		102		-		1,454		9,526		-		339		-		-		11,421
Total construction		53,624		48,906		32,575		37,026		332		1,167		-		-		173,630

Residential real estate – investor
Pass		13,993		5,729		3,677		15,256		15,288		10,743		4,397		-		69,083
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		461		681		-		-		1,142
Total residential real estate – investor		13,993		5,729		3,677		15,256		15,749		11,424		4,397		-		70,225

Residential real estate – owner occupied
Pass		42,941		11,580		25,594		35,826		30,264		81,123		1,207		-		228,535
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		151		202		142		1,402		-		-		1,897
Total residential real estate – owner occupied		42,941		11,580		25,745		36,028		30,406		82,525		1,207		-		230,432

Multifamily
Pass		56,753		20,133		50,464		96,747		70,496		40,926		2,118		-		337,637
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		124		892		313		165		-		-		1,494
Total multifamily		56,753		20,133		50,588		97,639		70,809		41,091		2,118		-		339,131

HELOC
Pass		2,888		2,192		1,700		1,646		278		4,480		220,643		-		233,827
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		240		1,226		-		1,466
Total HELOC		2,888		2,192		1,700		1,646		278		4,720		221,869		-		235,293

Powersport
Pass		323,072		180,099		114,212		57,740		17,237		4,531		-		-		696,891
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		22		44		-		-		2		-		-		68
Total Powersport		323,072		180,121		114,256		57,740		17,237		4,533		-		-		696,959

Other
Pass		81,405		31,889		19,599		48,615		1,729		7,282		6,335		-		196,854
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		163		74		27		6		-		-		270
Total other		81,405		31,889		19,762		48,689		1,756		7,288		6,335		-		197,124

Total loans
Pass		1,587,451		929,123		613,766		666,537		460,587		364,370		466,226		125		5,088,185
Special Mention		82		-		535		4,017		2,317		3,979		2,917		-		13,847
Substandard		391		10,865		44,252		26,736		21,486		17,856		28,513		-		150,099
Total loans	$	1,587,924	$	939,988	$	658,553	$	697,290	$	484,390	$	386,205	$	497,656	$	125	$	5,252,131

The following vintage tables present the amortized cost basis of non-risk rated loans by class and year of origination, based on the Company’s credit quality indicator for such loans as of June 30, 2026 and December 31, 2025. For these loan classes, the Company monitors credit quality based on performing and nonperforming status rather than internal risk ratings.


June 30, 2026	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted To Term Loans		Total
Residential real estate – owner occupied
Performing	$	27,763		41,497		10,350		23,336		34,652		101,661		1,216	$	-	$	240,475
Nonperforming		-		-		-		145		337		1,811		-		-		2,293
Total Residential real estate – owner occupied		27,763		41,497		10,350		23,481		34,989		103,472		1,216		-		242,768

HELOC
Performing		2,907		2,525		1,882		1,453		1,466		4,465		222,555		-		237,253
Nonperforming		-		-		60		-		-		254		1,740		-		2,054
Total HELOC		2,907		2,525		1,942		1,453		1,466		4,719		224,295		-		239,307

Powersport
Performing		172,592		252,291		130,319		79,377		36,221		10,890		-		-		681,690
Nonperforming		69		617		530		470		382		181		-		-		2,249
Total Powersport		172,661		252,908		130,849		79,847		36,603		11,071		-		-		683,939

Other
Performing		53,642		67,307		24,816		16,246		44,803		6,754		6,333		-		219,901
Nonperforming		-		60		-		93		197		30		-		-		380
Total Other		53,642		67,367		24,816		16,339		45,000		6,784		6,333		-		220,281

Total non-risk rated loans
Performing		256,904		363,620		167,367		120,412		117,142		123,770		230,104		-		1,379,319
Nonperforming		69		677		590		708		916		2,276		1,740		-		6,976
Total non-risk rated loans	$	256,973		364,297		167,957		121,120		118,058		126,046		231,844		-		1,386,295


December 31, 2025	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted To Term Loans		Total
Residential real estate – owner occupied
Performing	$	42,941	$	11,580	$	25,594	$	35,826	$	30,264	$	81,168	$	1,207	$	-	$	228,580
Nonperforming		-		-		151		202		142		1,357		-		-		1,852
Total Residential real estate – owner occupied		42,941		11,580		25,745		36,028		30,406		82,525		1,207		-		230,432

HELOC
Performing		2,888		2,192		1,700		1,646		278		4,499		220,868		-		234,071
Nonperforming		-		-		-						221		1,001		-		1,222
Total HELOC		2,888		2,192		1,700		1,646		278		4,720		221,869		-		235,293

Powersport
Performing		322,369		179,391		113,725		57,266		17,026		4,404		-		-		694,181
Nonperforming		703		730		531		474		211		129		-		-		2,778
Total Powersport		323,072		180,121		114,256		57,740		17,237		4,533		-		-		696,959

Other
Performing		81,405		31,889		19,596		48,615		1,730		7,267		6,335		-		196,837
Nonperforming		-		-		166		74		26		21				-		287
Total Other		81,405		31,889		19,762		48,689		1,756		7,288		6,335		-		197,124

Total non-risk rated loans
Performing		449,603		225,052		160,615		143,353		49,298		97,338		228,410		-		1,353,669
Nonperforming		703		730		848		750		379		1,728		1,001		-		6,139
Total non-risk rated loans	$	450,306		225,782		161,463		144,103		49,677		99,066		229,411		-		1,359,808

Schedule of class of financing receivable


Three months ended June 30, 2026	Term Modification		Combination - Term, Interest Rate and Payment Modification ¹		Combination - Interest Rate and Payment Modification ¹		Combination - Term and Interest Rate Modification		Combination - Term and Payment Modification ¹		Total Loans Modified		% of Total Loan Classification Modified to Total Loan Classification
Commercial	$	8,279	$	-	$	-	$	-	$	2,703	$	10,982	1.2	%
Commercial real estate – investor		-		-		-		7,773		-		7,773	0.7
Commercial real estate – owner occupied		8,262		-		-		-		-		8,262	1.2
Construction		586		-		-		-		-		586	0.4
Multifamily		-		-		-		-		-		-	-
HELOC		-		-		-		-		-		-	-
Powersport		-		79		9		-		-		88	0.0
Other		-		11		-		-		-		11	0.0
Total	$	17,127	$	90	$	9	$	7,773	$	2,703	$	27,702	0.5	%

¹ Payment modifications are either contractual delays in payment or a modificationof the payment amount.


Six months ended June 30, 2026	Term Modification		Combination - Term, Interest Rate and Payment Modification ¹		Combination - Interest Rate and Payment Modification ¹		Combination - Term and Interest Rate Modification		Combination - Term and Payment Modification ¹		Total Loans Modified		% of Total Loan Classification Modified to Total Loan Classification
Commercial	$	8,522	$	-	$	-	$	-	$	2,703	$	11,225	1.2	%
Commercial real estate – investor		-		-		-		7,773		-		7,773	0.7
Commercial real estate – owner occupied		27,071		-		-		-		-		27,071	4.1
Construction		586		-		-		-		-		586	0.4
Multifamily		-		-		-		-		-		-	-
HELOC		150		-		-		-		-		150	0.1
Powersport		-		147		9		-		-		156	0.0
Other		-		11		-		-		-		11	0.0
Total	$	36,329	$	158	$	9	$	7,773	$	2,703	$	46,972	0.9	%

¹ Payment modifications are either contractual delays in payment or a modificationof the payment amount.


Three months ended June 30, 2025	Term Modification		Combination - Term, Interest Rate and Payment Modification ¹		Combination - Interest Rate and Payment Modification ¹		Combination - Term and Interest Rate Modification		Combination - Term and Payment Modification ¹		Total Loans Modified		% of Total Loan Classification Modified to Total Loan Classification
Commercial	$	5,447	$	-	$	-	$	-	$	6,357	$	11,804	1.6	%
Commercial real estate – investor		-		-		-		-		-		-	-
Commercial real estate – owner occupied		12,119		-		-		300		3,221		15,640	2.4
Construction		-		-		-		-		-		-	-
Multifamily		192		-		-		-		-		192	0.1
HELOC		-		-		-		-		-		-	-
Powersport		-		-		-		-		-		-	-
Other		-		-		-		-		-		-	-
Total	$	17,758	$	-	$	-	$	300	$	9,578	$	27,636	0.7	%

¹ Payment modifications are either contractual delays in payment or a modificationof the payment amount.


Six months ended June 30, 2025	Term Modification		Combination - Term, Interest Rate and Payment Modification ¹		Combination - Interest Rate and Payment Modification ¹		Combination - Term and Interest Rate Modification		Combination - Term and Payment Modification ¹		Total Loans Modified		% of Total Loan Classification Modified to Total Loan Classification
Commercial	$	5,447	$	-	$	-	$	-	$	6,357	$	11,804	1.6	%
Commercial real estate – investor		-		-		-		12,311		13,107		25,418	2.3
Commercial real estate – owner occupied		16,050		-		-		300		3,221		19,571	3.0
Construction		-		-		-		-		-		-	-
Multifamily		192		-		-		-		-		192	0.1
HELOC		-		-		-		-		-		-	-
Powersport		-		-		-		-		-		-	-
Other		-		-		-		-		-		-	-
Total	$	21,689	$	-	$	-	$	12,611	$	22,685	$	56,985	1.4	%

¹ Payment modifications are either contractual delays in payment or a modificationof the payment amount.


June 30, 2026	30-59 days past due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Modifications
Commercial	$	-	$	-	$	-	$	-	$	16,007	$	16,007
Leases		-		-		-		-		-		-
Commercial real estate – investor		-		-		8,391		8,391		7,802		16,193
Commercial real estate – owner occupied		-		-		5,400		5,400		29,825		35,225
Construction		-		-		-		-		586		586
Residential real estate – investor		-		-		-		-		-		-
Residential real estate – owner occupied		-		-		-		-		-		-
Multifamily		-		-		-		-		-		-
HELOC		-		-		-		-		234		234
Powersport		11		4		27		42		158		200
Other		-		11		-		11		22		33
Total	$	11	$	15	$	13,818	$	13,844	$	54,634	$	68,478


June 30, 2025	30-59 days past due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Modifications
Commercial	$	1,609	$	-	$	-	$	1,609	$	10,195	$	11,804
Leases		-		-		-		-		-		-
Commercial real estate – investor		-		-		-		-		28,453		28,453
Commercial real estate – owner occupied		300		3,806		2,151		6,257		13,314		19,571
Construction		-		-		-		-		-		-
Residential real estate – investor		-		-		-		-		-		-
Residential real estate – owner occupied		-		-		-		-		-		-
Multifamily		-		-		192		192		1,184		1,376
HELOC		-		-		-		-		-		-
Powersport		-		-		-		-		-		-
Other		-		-		-		-		-		-
Total	$	1,909	$	3,806	$	2,343	$	8,058	$	53,146	$	61,204


Three months ended June 30, 2026	Weighted-Average Term Extension (In Months)		Weighted-Average Interest Rate Change			Weighted-Average Delay of Payment (In Months)
Commercial		9.27		-	%		-
Commercial real estate – investor		42.00		2.10			-
Commercial real estate – owner occupied		5.83		-			-
Construction		4.00		-			-
Multifamily		-		-			-
HELOC		-		-			-
Powersport		14.87		(1.13)			-
Other		1.00		(3.10)			-
Total		17.33		2.06	%		-


Six months ended June 30, 2026	Weighted-Average Term Modification (In Months)		Weighted-Average Interest Rate Change			Weighted-Average Delay of Payment (In Months)
Commercial		10.40		-	%		-
Commercial real estate – investor		42.00		2.10			-
Commercial real estate – owner occupied		5.95		-			-
Construction		4.00		-			-
Multifamily		-		-			-
HELOC		24.00		-			-
Powersport		7.44		(1.49)			-
Other		1.00		(3.10)			-
Total		13.02		2.02	%		-


Three months ended June 30, 2025	Weighted-Average Term Extension (In Months)		Weighted-Average Interest Rate Change			Weighted-Average Delay of Payment (In Months)
Commercial		4.84		-	%		-
Commercial real estate – investor		-		-			-
Commercial real estate – owner occupied		6.21		0.82			-
Construction		-		-			-
Multifamily		6.00		-			-
HELOC		-		-			-
Powersport		-		-			-
Other		-		-			-
Total		5.62		0.82	%		-


Six months ended June 30, 2025	Weighted-Average Term Extension (In Months)		Weighted-Average Interest Rate Change			Weighted-Average Delay of Payment (In Months)
Commercial		4.84		-	%		2.00
Commercial real estate – investor		9.00		(1.00)			-
Commercial real estate – owner occupied		5.89		0.82			2.00
Construction		-		-			-
Multifamily		6.00		-			-
HELOC		-		-			-
Powersport		-		-			-
Other		-		-			-
Total		7.06		(0.96)	%		2.00