LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
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6 Months Ended |
Jun. 30, 2026 |
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| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
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| Summary of outstanding loan balances by loan class prior to allocation of net deferred fees and costs |
| | | | | | | (Dollars in thousands) | | June 30, | | December 31, | | | 2026 | | 2025 | Real Estate | | $ | 845,218 | | $ | 853,668 | Agricultural | | | 1,241 | | | 984 | Commercial and Industrial | | | 68,025 | | | 66,924 | Consumer | | | 4,619 | | | 4,953 | State and Political Subdivisions | | | 29,320 | | | 20,132 | Subtotal: Total Loans | | | 948,423 | | | 946,661 | Net Deferred Fees and Costs | | | 425 | | | 624 | Subtotal: Total Loans Held for Investment | | | 948,848 | | | 947,285 | Loans Held for Sale | | | 1,483 | | | 1,140 | Allowance for Credit Losses | | | (8,779) | | | (9,412) | Net Loans | | $ | 941,552 | | $ | 939,013 |
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| Schedule of classes of the loan portfolio summarized by risk rating |
| | | | | | | | | | | | | | | June 30, 2026: | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate: | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Total | 1-6 Pass | $ | 67,619 | | 101,222 | | 93,065 | | 95,093 | | 129,940 | | 326,094 | $ | 813,033 | 7 Special Mention | | — | | 213 | | 92 | | 1,976 | | 279 | | 4,051 | | 6,611 | 8 Substandard | | 1,991 | | 571 | | — | | — | | 3,742 | | 19,270 | | 25,574 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Real Estate Loans | $ | 69,610 | $ | 102,006 | $ | 93,157 | $ | 97,069 | $ | 133,961 | $ | 349,415 | $ | 845,218 | | | | | | | | | | | | | | | | Agricultural: | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Total | 1-6 Pass | $ | — | | 114 | | 155 | | 212 | | 22 | | 738 | $ | 1,241 | 7 Special Mention | | — | | — | | — | | — | | — | | — | | — | 8 Substandard | | — | | — | | — | | — | | — | | — | | — | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Agricultural Loans | $ | — | $ | 114 | $ | 155 | $ | 212 | $ | 22 | $ | 738 | $ | 1,241 | | | | | | | | | | | | | | | | Commercial and Industrial: | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Total | 1-6 Pass | $ | 5,720 | | 13,983 | | 5,287 | | 5,483 | | 3,920 | | 23,504 | $ | 57,897 | 7 Special Mention | | — | | 716 | | 299 | | 9,040 | | — | | — | | 10,055 | 8 Substandard | | 10 | | — | | — | | — | | 63 | | — | | 73 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Commercial and
Industrial Loans | $ | 5,730 | $ | 14,699 | $ | 5,586 | $ | 14,523 | $ | 3,983 | $ | 23,504 | $ | 68,025 | | | | | | | | | | | | | | | | Consumer: | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Total | 1-6 Pass | $ | 1,205 | | 992 | | 891 | | 460 | | 230 | | 817 | $ | 4,595 | 7 Special Mention | | — | | — | | — | | — | | — | | — | | — | 8 Substandard | | 14 | | — | | — | | — | | — | | 10 | | 24 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Consumer Loans | $ | 1,219 | $ | 992 | $ | 891 | $ | 460 | $ | 230 | $ | 827 | $ | 4,619 | | | | | | | | | | | | | | | |
State and Political Subdivisions: | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Total | 1-6 Pass | $ | 8,894 | | 1,324 | | — | | 1,127 | | 1,374 | | 16,601 | $ | 29,320 | 7 Special Mention | | — | | — | | — | | — | | — | | — | | — | 8 Substandard | | — | | — | | — | | — | | — | | — | | — | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total State and Political Subdivision Loans | $ | 8,894 | $ | 1,324 | $ | — | $ | 1,127 | $ | 1,374 | $ | 16,601 | $ | 29,320 | | | | | | | | | | | | | | | | Total Loans: | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Total | 1-6 Pass | $ | 83,438 | | 117,635 | | 99,398 | | 102,375 | | 135,486 | | 367,754 | $ | 906,086 | 7 Special Mention | | — | | 929 | | 391 | | 11,016 | | 279 | | 4,051 | | 16,666 | 8 Substandard | | 2,015 | | 571 | | — | | — | | 3,805 | | 19,280 | | 25,671 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Loans | $ | 85,453 | $ | 119,135 | $ | 99,789 | $ | 113,391 | $ | 139,570 | $ | 391,085 | $ | 948,423 | | | | | | | | | | | | | | | | | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Total | Gross Charge Offs: | | | | | | | | | | | | | | | Real Estate | $ | — | | — | | — | | — | | — | | — | $ | — | Agricultural | | — | | — | | — | | — | | — | | — | | — | Commercial and Industrial | | 7 | | — | | — | | — | | — | | — | | 7 | Consumer | | — | | — | | 17 | | 11 | | — | | 16 | | 44 | State and Political Subdivisions | | — | | — | | — | | — | | — | | — | | — | Total Gross Charge Offs | $ | 7 | $ | — | $ | 17 | $ | 11 | $ | — | $ | 16 | $ | 51 | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | As of December 31, 2025: | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 105,385 | | 98,017 | | 100,585 | | 143,520 | | 105,700 | | 272,003 | $ | 825,210 | 7 Special Mention | | 863 | | 93 | | 1,995 | | 282 | | 804 | | — | | 4,037 | 8 Substandard | | 80 | | — | | — | | 3,389 | | 1,260 | | 19,692 | | 24,421 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Real Estate Loans | $ | 106,328 | $ | 98,110 | $ | 102,580 | $ | 147,191 | $ | 107,764 | $ | 291,695 | $ | 853,668 | | | | | | | | | | | | | | | | Agricultural: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 24 | | 168 | | 151 | | 24 | | — | | 617 | $ | 984 | 7 Special Mention | | — | | — | | — | | — | | — | | — | | — | 8 Substandard | | — | | — | | — | | — | | — | | — | | — | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Agricultural Loans | $ | 24 | $ | 168 | $ | 151 | $ | 24 | $ | — | $ | 617 | $ | 984 | | | | | | | | | | | | | | | | Commercial and Industrial: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 14,374 | | 6,297 | | 15,040 | | 4,414 | | 3,303 | | 23,186 | $ | 66,614 | 7 Special Mention | | — | | 300 | | — | | — | | — | | — | | 300 | 8 Substandard | | — | | — | | 10 | | — | | — | | — | | 10 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Commercial and
Industrial Loans | $ | 14,374 | $ | 6,597 | $ | 15,050 | $ | 4,414 | $ | 3,303 | $ | 23,186 | $ | 66,924 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Consumer: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 1,593 | | 1,310 | | 657 | | 337 | | 340 | | 693 | $ | 4,930 | 7 Special Mention | | — | | — | | — | | — | | — | | 13 | | 13 | 8 Substandard | | — | | — | | — | | — | | — | | 10 | | 10 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Consumer Loans | $ | 1,593 | $ | 1,310 | $ | 657 | $ | 337 | $ | 340 | $ | 716 | $ | 4,953 | | | | | | | | | | | | | | | | State and Political Subdivisions: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 861 | | — | | 1,139 | | 1,374 | | 12,528 | | 4,230 | $ | 20,132 | 7 Special Mention | | — | | — | | — | | — | | — | | — | | — | 8 Substandard | | — | | — | | — | | — | | — | | — | | — | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total State and Political Subdivision Loans | $ | 861 | $ | — | $ | 1,139 | $ | 1,374 | $ | 12,528 | $ | 4,230 | $ | 20,132 | | | | | | | | | | | | | | | | Total Loans: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 122,237 | $ | 105,792 | $ | 117,572 | $ | 149,669 | $ | 121,871 | $ | 300,729 | $ | 917,870 | 7 Special Mention | | 863 | | 393 | | 1,995 | | 282 | | 804 | | 13 | | 4,350 | 8 Substandard | | 80 | | — | | 10 | | 3,389 | | 1,260 | | 19,702 | | 24,441 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Loans | $ | 123,180 | $ | 106,185 | $ | 119,577 | $ | 153,340 | $ | 123,935 | $ | 320,444 | $ | 946,661 | | | | | | | | | | | | | | | | | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | Gross Charge Offs: | | | | | | | | | | | | | | | Real Estate | $ | — | | — | | 10 | | 2,000 | | — | | 7 | $ | 2,017 | Agricultural | | — | | — | | — | | — | | — | | — | | — | Commercial and Industrial | | — | | — | | 442 | | 500 | | — | | — | | 942 | Consumer | | 1 | | 8 | | 7 | | 3 | | 2 | | 14 | | 35 | State and Political Subdivisions | | — | | — | | — | | — | | — | | — | | — | Total Gross Charge Offs | $ | 1 | $ | 8 | $ | 459 | $ | 2,503 | $ | 2 | $ | 21 | $ | 2,994 | | | | | | | | | | | | | | | |
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| Schedule of loans individually or collectively evaluated for their impairment and related allowance, by loan class |
| | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | State and | | | | | Real | | | | Commercial | | | | Political | | | | | Estate | | Agricultural | | and Industrial | | Consumer | | Subdivisions | | Total | As of and for the three months ended June 30, 2026: | | | | | | | | | | | | | | | | | Allowance for Credit Losses: | | | | | | | | | | | | | | | | | | Beginning balance | $ | 8,462 | | $ | 5 | | $ | 441 | | $ | 82 | | $ | 48 | | $ | 9,038 | Charge-offs | | — | | | — | | | (7) | | | (10) | | | — | | | (17) | Recoveries | | 32 | | | — | | | 25 | | | — | | | — | | | 57 | (Release of) Provision for Credit Losses | | (289) | | | (2) | | | (36) | | | 5 | | | 23 | | | (299) | Ending Balance | $ | 8,205 | | $ | 3 | | $ | 423 | | $ | 77 | | $ | 71 | | $ | 8,779 |
| | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | State and | | | | | Real | | | | Commercial | | | | Political | | | | | Estate | | Agricultural | | and Industrial | | Consumer | | Subdivisions | | Total | As of and for the six months ended June 30, 2026: | | | | | | | | | | | | | | | | | Allowance for Credit Losses: | | | | | | | | | | | | | | | | | | Beginning balance January 1, 2026 | $ | 8,836 | | $ | 2 | | $ | 452 | | $ | 74 | | $ | 48 | | $ | 9,412 | Charge-offs | | — | | | — | | | (7) | | | (44) | | | — | | | (51) | Recoveries | | 74 | | | — | | | 33 | | | — | | | — | | | 107 | Provision for Credit Losses | | (705) | | | 1 | | | (55) | | | 47 | | | 23 | | | (689) | Ending Balance | $ | 8,205 | | $ | 3 | | $ | 423 | | $ | 77 | | $ | 71 | | $ | 8,779 | Ending balance: individually | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 707 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 707 | Ending balance: collectively | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 7,498 | | $ | 3 | | $ | 423 | | $ | 77 | | $ | 71 | | $ | 8,072 | | | | | | | | | | | | | | | | | | | Reserve for Unfunded Lending Commitments | $ | 55 | | $ | — | | $ | 18 | | $ | — | | $ | 12 | | $ | 85 | | | | | | | | | | | | | | | | | | | Loans Held for Investment: | | | | | | | | | | | | | | | | | | Ending Balance | $ | 845,218 | | $ | 1,241 | | $ | 68,025 | | $ | 4,619 | | $ | 29,320 | | $ | 948,423 | Ending balance: individually | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 19,362 | | $ | 279 | | $ | — | | $ | — | | $ | — | | $ | 19,641 | Ending balance: collectively | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 825,856 | | $ | 962 | | $ | 68,025 | | $ | 4,619 | | $ | 29,320 | | $ | 928,782 |
| | | | | | | | | | | | | | | | | | (Dollars in thousands) | Real | | | | Commercial | | | | | | Political | | | | | Estate | | Agricultural | | and Industrial | | Consumer | | Subdivisions | | Total | As of and for the three months ended June 30, 2025: | | | | | | | | | | | | | | | | | | Allowance for Loan Losses: | | | | | | | | | | | | | | | | | | Beginning balance | $ | 7,572 | | $ | 2 | | $ | 341 | | $ | 94 | | $ | 59 | | $ | 8,068 | Charge-offs | | (17) | | | — | | | (45) | | | (8) | | | — | | | (70) | Recoveries | | — | | | — | | | 1 | | | — | | | — | | | 1 | Provision for Credit Losses | | (262) | | | 1 | | | 32 | | | (2) | | | (6) | | | (237) | Ending Balance | $ | 7,293 | | $ | 3 | | $ | 329 | | $ | 84 | | $ | 53 | | $ | 7,762 |
| | | | | | | | | | | | | | | | | | (Dollars in thousands) | Real | | | | Commercial | | | | Political | | | | | Estate | | Agricultural | | and Industrial | | Consumer | | Subdivisions | | Total | As of and for the six months ended June 30, 2025: | | | | | | | | | | | | | | | | | Allowance for Credit Losses: | | | | | | | | | | | | | | | | | | Beginning balance January 1, 2025 | $ | 7,215 | | $ | 2 | | $ | 313 | | $ | 98 | | $ | 44 | | $ | 7,672 | Charge-offs | | (17) | | | — | | | (406) | | | (18) | | | — | | | (441) | Recoveries | | — | | | — | | | 16 | | | 1 | | | — | | | 17 | Provision for Credit Losses | | 95 | | | 1 | | | 406 | | | 3 | | | 9 | | | 514 | Ending Balance | $ | 7,293 | | $ | 3 | | $ | 329 | | $ | 84 | | $ | 53 | | $ | 7,762 | Ending balance: individually | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | Ending balance: collectively | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 7,293 | | $ | 3 | | $ | 329 | | $ | 84 | | $ | 53 | | $ | 7,762 | | | | | | | | | | | | | | | | | | | Reserve for Unfunded Lending Commitments | $ | 75 | | $ | — | | $ | 20 | | $ | 2 | | $ | — | | $ | 97 | | | | | | | | | | | | | | | | | | | Loans Held for Investment: | | | | | | | | | | | | | | | | | | Ending Balance | $ | 864,608 | | $ | 1,108 | | $ | 64,908 | | $ | 6,295 | | $ | 22,016 | | $ | 958,935 | Ending balance: individually | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 4,190 | | $ | 309 | | $ | 28 | | $ | — | | $ | — | | $ | 4,527 | Ending balance: collectively | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 860,418 | | $ | 799 | | $ | 64,880 | | $ | 6,295 | | $ | 22,016 | | $ | 954,408 |
| | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | State and | | | | | Real | | | | Commercial | | | | Political | | | | | Estate | | Agricultural | | and Industrial | | Consumer | | Subdivisions | | Total | As of and for the year ended December 31, 2025: | | | | | | | | | | | | | | | | | Allowance for Credit Losses: | | | | | | | | | | | | | | | | | | Beginning balance January 1, 2025 | $ | 7,215 | | $ | 2 | | $ | 313 | | $ | 98 | | $ | 44 | | $ | 7,672 | Charge-offs | | (2,017) | | | — | | | (942) | | | (35) | | | — | | | (2,994) | Recoveries | | 1 | | | — | | | 29 | | | 3 | | | — | | | 33 | Provision for Credit Losses | | 3,637 | | | — | | | 1,052 | | | 8 | | | 4 | | | 4,701 | Ending Balance | $ | 8,836 | | $ | 2 | | $ | 452 | | $ | 74 | | $ | 48 | | $ | 9,412 | Ending balance: individually | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 973 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 973 | Ending balance: collectively | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 7,863 | | $ | 2 | | $ | 452 | | $ | 74 | | $ | 48 | | $ | 8,439 | | | | | | | | | | | | | | | | | | | Reserve for Unfunded Lending Commitments | $ | 54 | | $ | — | | $ | 24 | | $ | — | | $ | 12 | | $ | 90 | | | | | | | | | | | | | | | | | | | Loans Held for Investment: | | | | | | | | | | | | | | | | | | Ending Balance | $ | 853,668 | | $ | 984 | | $ | 66,924 | | $ | 4,953 | | $ | 20,132 | | $ | 946,661 | Ending balance: individually | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 16,763 | | $ | 279 | | $ | 10 | | $ | — | | $ | — | | $ | 17,052 | Ending balance: collectively | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 836,905 | | $ | 705 | | $ | 66,914 | | $ | 4,953 | | $ | 20,132 | | $ | 929,609 |
| | | | | | | (Dollars in thousands) | | | | | | | 2026 | | 2025 | Balance at January 1 | | $ | 90 | | $ | 102 | Recovery of credit losses on unfunded commitments | | | (5) | | | (5) | Balance at June 30 | | $ | 85 | | $ | 97 |
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| Schedule of the outstanding recorded investment of TDRs |
| | | | | | | (Dollars in thousands) | | | | | | | | June 30, 2026 | Modifications of Loans to Borrowers Experiencing Financial Difficulty: | | | | | | Recorded Investment | | Number of | | Recorded | | % of Loan | | Contracts | | Investment | | Segment | Real Estate: | | | | | | | Non-Accrual | — | | $ | — | | 0.00% | Accruing | 5 | | | 5,001 | | 0.59% | Subtotal - Real Estate: | 5 | | | 5,001 | | 0.59% | | | | | | | | Commercial and Industrial: | | | | | | | Non-Accrual | — | | $ | — | | 0.00% | Accruing | 1 | | | 299 | | 0.44% | Subtotal - Commercial and Industrial: | 1 | | | 299 | | 0.44% | | | | | | | |
Total | 6 | | $ | 5,300 | | 0.56% | | | | | | | | (Dollars in thousands) | | | | | | | | December 31, 2025 | Modifications of Loans to Borrowers Experiencing Financial Difficulty: | | | | | | Recorded Investment | | Number of | | Recorded | | % of Loan | | Contracts | | Investment | | Segment | Real Estate: | | | | | | | Non-Accrual | 1 | | $ | 9,703 | | 1.14% | Accruing | 4 | | | 2,951 | | 0.35% | Subtotal - Real Estate: | 5 | | | 12,654 | | 1.48% | | | | | | | | Commercial and Industrial: | | | | | | | Non-Accrual | — | | $ | — | | 0.00% | Accruing | 1 | | | 7 | | 0.01% | Subtotal - Commercial and Industrial: | 1 | | | 7 | | 0.01% | | | | | | | | Total | 6 | | $ | 12,661 | | 1.34% |
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| Schedule of the loan modifications categorized as TDRs |
| | | | | | | | | | | | (Dollars in thousands) | | For the Three Months Ended June 30, 2026 | | | | | Pre-Modification | | Post-Modification | | | | | | | | Outstanding | | Outstanding | | | | | | Number of | | Recorded | | Recorded | | Recorded | | | Contracts | | Investment | | Investment | | Investment | Real Estate | | 3 | | $ | 3,143 | | $ | 3,143 | | $ | 4,361 | Commercial and Industrial | | 1 | | | 300 | | | 300 | | | 299 | Total | | 4 | | $ | 3,443 | | $ | 3,443 | | $ | 4,660 |
| | | | | | | | | | | | (Dollars in thousands) | | For the Six Months Ended June 30, 2026 | | | | | Pre-Modification | | Post-Modification | | | | | | | | Outstanding | | Outstanding | | | | | | Number of | | Recorded | | Recorded | | Recorded | | | Contracts | | Investment | | Investment | | Investment | Real Estate | | 5 | | $ | 3,783 | | $ | 3,783 | | $ | 5,001 |
Commercial and Industrial | | 1 | | $ | 300 | | $ | 300 | | $ | 299 | Total | | 6 | | $ | 4,083 | | $ | 4,083 | | $ | 5,300 |
| | | | | | | | | | | | (Dollars in thousands) | | For the Three Months Ended June 30, 2025 | | | | | Pre-Modification | | Post-Modification | | | | | | | | Outstanding | | Outstanding | | | | | | Number of | | Recorded | | Recorded | | Recorded | | | Contracts | | Investment | | Investment | | Investment | Real Estate | | 1 | | $ | 107 | | $ | 107 | | $ | 107 | Total | | 1 | | $ | 107 | | $ | 107 | | $ | 107 | | | | | | | | | | | | | (Dollars in thousands) | | For the Six Months Ended June 30, 2025 | | | | | Pre-Modification | | Post-Modification | | | | | | | | Outstanding | | Outstanding | | | | | | Number of | | Recorded | | Recorded | | Recorded | | | Contracts | | Investment | | Investment | | Investment | Real Estate | | 1 | | $ | 107 | | $ | 107 | | $ | 107 | Total | | 1 | | $ | 107 | | $ | 107 | | $ | 107 | | | | | | | | | | | | |
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| Schedule of loan modifications made for loans categorized as TDRs |
| | | | | | | | | | | | | For the Three Months Ended June 30, 2026 | | | Rate | | Term | | Payment | | | | Number | | | Modification | | Modification | | Modification | | Other | | Modified | Real Estate | | — | | — | | 2 | | 1 | | 3 | Commercial and Industrial | | — | | 1 | | — | | — | | 1 | Total | | — | | 1 | | 2 | | 1 | | 4 |
| | | | | | | | | | | | | | | | | | | | | | | | For the Six Months Ended June 30, 2026 | | | Rate | | Term | | Payment | | | | Number | | | Modification | | Modification | | Modification | | Other | | Modified | Real Estate | | — | | — | | 3 | | 2 | | 5 | Commercial and Industrial | | — | | 1 | | — | | — | | 1 | Total | | — | | 1 | | 3 | | 2 | | 6 |
| | | | | | | | | | | | | For the Three Months Ended June 30, 2025 | | | Rate | | Term | | Payment | | | | Number | | | Modification | | Modification | | Modification | | Other | | Modified | Real Estate | | — | | — | | 1 | | — | | 1 | Total | | — | | — | | 1 | | — | | 1 | | | | | | | | | | | | | | For the Six Months Ended June 30, 2025 | | | Rate | | Term | | Payment | | | | Number | | | Modification | | Modification | | Modification | | Other | | Modified | Real Estate | | — | | — | | 1 | | — | | 1 | Total | | — | | — | | 1 | | — | | 1 |
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| Schedule of average recorded investment, unpaid principal balance, and the related allowance of the company's non-accrual loans |
| | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | June 30, 2026 | | | Recorded | | Recorded | | | | | Unpaid | | Unpaid | | | | | | | | | Investment | | Investment | | | | | Principal | | Principal | | Total | | | | | | | With | | With No | | Total | | | Balance With | | Balance With | | Unpaid | | | | | | | Related | | Related | | Recorded | | | Related | | No Related | | Principal | | | Related | | | Allowance | | Allowance | | Investment | | | Allowance | | Allowance | | Balance | | | Allowance | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate | | $ | 9,437 | | $ | 9,925 | | $ | 19,362 | | | $ | 9,437 | | $ | 13,914 | | $ | 23,351 | | | $ | 707 | Commercial & Industrial | | | — | | | — | | | — | | | | — | | | — | | | — | | | | — | Total | | $ | 9,437 | | $ | 9,925 | | $ | 19,362 | | | $ | 9,437 | | $ | 13,914 | | $ | 23,351 | | | $ | 707 |
| | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | December 31, 2025 | | | Recorded | | Recorded | | | | | Unpaid | | Unpaid | | | | | | | | | Investment | | Investment | | | | | Principal | | Principal | | Total | | | | | | | With | | With No | | Total | | | Balance With | | Balance With | | Unpaid | | | | | | | Related | | Related | | Recorded | | | Related | | No Related | | Principal | | | Related | | | Allowance | | Allowance | | Investment | | | Allowance | | Allowance | | Balance | | | Allowance | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate | | $ | 9,703 | | $ | 7,060 | | $ | 16,763 | | | $ | 9,703 | | $ | 11,049 | | $ | 20,752 | | | $ | 973 | Commercial & Industrial | | | — | | | 10 | | | 10 | | | | — | | | 25 | | | 25 | | | | — | Total | | $ | 9,703 | | $ | 7,070 | | $ | 16,773 | | | $ | 9,703 | | $ | 11,074 | | $ | 20,777 | | | $ | 973 |
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| Schedule of financial receivables that are collateral-dependent loans |
| | | | | | | (Dollars in thousands) | | | | | | | June 30, 2026 | Loan Segment/Collateral Type | Real Estate | | Other | Real Estate: | | | | | | | 1-4 Family Real Estate | | $ | 2,044 | | $ | — | Multifamily Real Estate | | | 2,419 | | | — | Non-owner Occupied, Non-Farm, Non-Residential Real Estate | | | 3,961 | | | — | Owner Occupied, Non-Farm, Non-Residential Real Estate | | | 10,938 | | | — | Subtotal - Real Estate: | | | 19,362 | | | — | | | | | | | | Agricultural: | | | | | | | Stock | | $ | — | | $ | 279 | Subtotal - Agricultural: | | | — | | | 279 | | | | | | | | Total | | $ | 19,362 | | $ | 279 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | December 31, 2025 | Loan Segment/Collateral Type | Real Estate | | Other | Real Estate: | | | | | | | 1-4 Family Real Estate | | $ | 328 | | $ | — | Multifamily Real Estate | | | 1,603 | | | — | Non-owner Occupied, Non-Farm, Non-Residential Real Estate | | | 3,884 | | | — | Owner Occupied, Non-Farm, Non-Residential Real Estate | | | 10,948 | | | — | Subtotal - Real Estate: | | | 16,763 | | | — | | | | | | | | Commercial and Industrial: | | | | | | | Commercial Motor Vehicle | | $ | — | | $ | 10 | Subtotal - Commercial and Industrial: | | | — | | | 10 | | | | | | | | Agricultural: | | | | | | | Stock | | $ | — | | $ | 279 | Subtotal - Agricultural: | | | — | | | 279 | | | | | | | | Total | | $ | 16,763 | | $ | 289 |
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| Schedule of total non-performing assets |
| | | | | | | (Dollars in thousands) | | June 30, | | December 31, | | | 2026 | | 2025 | Real Estate | | $ | 19,362 | | $ | 16,763 | Agricultural | | | — | | | — | Commercial and Industrial | | | — | | | 10 | Consumer | | | — | | | — | State and Political Subdivisions | | | — | | | — | Total non-accrual loans | | | 19,362 | | | 16,773 | Foreclosed assets held for resale | | | — | | | — | Loans past-due 90 days or more and still accruing interest | | | 761 | | | 146 | Total non-performing assets | | $ | 20,123 | | $ | 16,919 |
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| Schedule of the classes of the loan portfolio, including non-accrual loans and TDRs, summarized by past-due status |
| | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | | | | | | | | | | | 90 Days | | | | | | | | | | | | | | | | | | | | | Or Greater | | | | | | | | | | | | | | | | | | | | | Past Due | | | | | | | | | 90 Days | | | | | | Current- | | | | | and Still | | | 30-59 Days | | 60-89 Days | | or Greater | | Total | | | 29 Days | | Total | | Accruing | | | Past Due | | Past Due | | Past Due | | Past Due | | Past Due | | Loans | | Interest | June 30, 2026: | | | | | | | | | | | | | | | | | | | | | | Real Estate | | $ | 1,562 | | $ | 10,742 | | $ | 9,358 | | $ | 21,662 | | $ | 823,556 | | $ | 845,218 | | $ | 725 | Agricultural | | | — | | | — | | | — | | | — | | | 1,241 | | | 1,241 | | | — | Commercial and Industrial | | | 67 | | | 298 | | | 36 | | | 401 | | | 67,624 | | | 68,025 | | | 36 | Consumer | | | 9 | | | 3 | | | — | | | 12 | | | 4,607 | | | 4,619 | | | — | State and Political Subdivisions | | | — | | | — | | | — | | | — | | | 29,320 | | | 29,320 | | | — | Total | | $ | 1,638 | | $ | 11,043 | | $ | 9,394 | | $ | 22,075 | | $ | 926,348 | | $ | 948,423 | | $ | 761 |
| | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | | | | | | | | | | | 90 Days | | | | | | | | | | | | | | | | | | | | | Or Greater | | | | | | | | | | | | | | | | | | | | | Past Due | | | | | | | | | 90 Days | | | | | | Current- | | | | | and Still | | | 30-59 Days | | 60-89 Days | | or Greater | | Total | | | 29 Days | | Total | | Accruing | | | Past Due | | Past Due | | Past Due | | Past Due | | Past Due | | Loans | | Interest | December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | Real Estate | | $ | 3,193 | | $ | 2,246 | | $ | 6,684 | | $ | 12,123 | | $ | 841,545 | | $ | 853,668 | | $ | 146 | Agricultural | | | — | | | — | | | — | | | — | | | 984 | | | 984 | | | — | Commercial and Industrial | | | 333 | | | 24 | | | 10 | | | 367 | | | 66,557 | | | 66,924 | | | — | Consumer | | | 126 | | | — | | | — | | | 126 | | | 4,827 | | | 4,953 | | | — | State and Political Subdivisions | | | — | | | — | | | — | | | — | | | 20,132 | | | 20,132 | | | — | Total | | $ | 3,652 | | $ | 2,270 | | $ | 6,694 | | $ | 12,616 | | $ | 934,045 | | $ | 946,661 | | $ | 146 |
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