| Schedule of Financial Instruments Contract Amount Represents Credit Risk |
The following table presents commitments associated with outstanding commitments to extend credit for on-balance sheet loans, CCBX sold credit card receivable commitments, standby and commercial letters of credit and equity investment commitments as of the periods indicated: | | | | | | | | | | | | | | | | (dollars in thousands; unaudited) | | As of June 30, 2026 | | As of December 31, 2025 | | Commitments to extend credit: | | | | | | Commercial and industrial loans | | $ | 122,821 | | | $ | 90,281 | | | Commercial and industrial loans – capital call lines | | 590,962 | | | 519,135 | | | Construction – commercial real estate loans | | 31,946 | | | 58,562 | | | Construction – residential real estate loans | | 43,339 | | | 39,676 | | | Residential real estate loans | | 785,719 | | | 684,485 | | | Commercial real estate loans | | 38,576 | | | 28,108 | | | Credit cards | | 1,039,541 | | | 819,495 | | | Consumer and other loans | | 162,950 | | | 68,302 | | | Commitments to extend credit | | $ | 2,815,854 | | | $ | 2,308,044 | | | CCBX sold receivable commitment | | $ | 6,153,420 | | | $ | 4,170,246 | | | Standby letters of credit | | $ | 2,224 | | | $ | 1,042 | | | Equity investment commitment | | $ | 917 | | | $ | 1,125 | |
Commitments to extend credit on CCBX loans are included in the table above and are summarized below: | | | | | | | | | | | | | (dollars in thousands) | As of June 30, 2026 | | As of December 31, 2025 | | Commitments to extend credit: | | | | | Commercial and industrial loans | $ | 18,364 | | | $ | 23,859 | | | Commercial and industrial loans - capital call lines | 590,962 | | | 519,135 | | | Residential real estate loans | 737,158 | | | 631,973 | | | Credit cards, consumer and other loans | 1,192,148 | | | 874,245 | | | Commitments to extend credit | $ | 2,538,632 | | | $ | 2,049,212 | | | CCBX sold receivable commitment | $ | 6,153,420 | | | $ | 4,170,246 | |
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| Schedule of CCBX Partners Maximum Aggregate Customer Loan Balances |
We also limit CCBX partners to a maximum aggregate customer loan balance originated and held on our balance sheet, as shown in the table below. | | | | | | | | | | | | | (dollars in thousands) | Type of Lending | | Maximum Portfolio Size | | Commercial and industrial loans: | | | | | Capital call lines | Business - Venture Capital | | $ | 350,000 | | All other commercial & industrial loans | Business - Small Business | | 509,897 | | | Real estate loans: | | | | | Home equity lines of credit | Home Equity - Secured Credit Cards | | 356,250 | | | Consumer and other loans: | | | | | Credit cards | Credit Cards - Primarily Consumer | | 1,208,750 | | | Installment loans | Consumer | | 1,660,103 | | | Other consumer and other loans | Consumer - Secured
Credit Builder &
Unsecured consumer | | 775,000 | | | | | 4,860,000 | |
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