Credit Quality (Tables)

6 Months Ended

Jun. 30, 2026

Schedule of Age Analysis of its Past Due Loans, Segregated by Class of Loans and Leases

The following table sets forth United’s age analysis of its past due loans and leases, segregated by class of loans and leases:


Age Analysis of Past Due Loans and Leases
As of June 30, 2026
	30-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current & Other		Total Financing Receivables		90 Days or More Past Due & Accruing
Commercial real estate:
Owner-occupied	$	12,248	$	2,173	$	14,421	$	2,156,479	$	2,170,900	$	957
Nonowner-occupied		10,091		71,212		81,303		8,640,324		8,721,627		0
Other commercial		11,092		7,134		18,226		3,788,761		3,806,987		246
Residential real estate		22,004		26,503		48,507		6,131,503		6,180,010		9,845
Construction & land development		4,483		2,728		7,211		3,328,332		3,335,543		41
Consumer:
Bankcard		27		44		71		9,292		9,363		44
Other consumer		9,393		853		10,246		771,562		781,808		213

Total	$	69,338	$	110,647	$	179,985	$	24,826,253	$	25,006,238	$	11,346


Age Analysis of Past Due Loans and Leases
As of December 31, 2025
	30-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current & Other		Total Financing Receivables		90 Days or More Past Due & Accruing
Commercial real estate:
Owner-occupied	$	4,754	$	1,830	$	6,584	$	2,139,337	$	2,145,921	$	81
Nonowner-occupied		7,598		71,038		78,636		8,264,884		8,343,520		0
Other commercial		2,490		6,569		9,059		3,775,774		3,784,833		591
Residential real estate		25,026		19,124		44,150		6,054,112		6,098,262		3,701
Construction & land development		1,508		1,301		2,809		3,568,093		3,570,902		0
Consumer:
Bankcard		28		54		82		9,604		9,686		54
Other consumer		13,661		1,550		15,211		752,285		767,496		547

Total	$	55,065	$	101,466	$	156,531	$	24,564,089	$	24,720,620	$	4,974

Schedule of Nonaccrual Loans, Segregated by Class of Loans and Leases

The following table sets forth United’s nonaccrual loans and leases, segregated by class of loans and leases:


	At June 30, 2026				At December 31, 2025
	Nonaccruals		With No Related Allowance for Credit Losses		Nonaccruals		With No Related Allowance for Credit Losses
Commercial Real Estate:
Owner-occupied	$	1,216	$	1,216	$	1,749	$	1,749
Nonowner-occupied		71,212		71,212		71,038		71,038
Other Commercial		6,888		4,424		5,978		3,515
Residential Real Estate		16,658		14,371		15,423		15,423
Construction		2,687		2,149		1,301		1,301
Consumer:
Bankcard		0		0		0		0
Other consumer		640		640		1,003		1,003

Total	$	99,301	$	94,012	$	96,492	$	94,029

Schedule of Amortized Cost Basis of Loan Modifications Made to Borrowers


	Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	For the Three Months ended June 30, 2026
	Term Extension		Other-Than- Insignificant Payment Delay		Term Extension & Interest Rate Reduction		Term Extension & Payment Delay		% of Total Class of Financing Receivable
Commercial real estate:
Owner-occupied	$	0	$	0	$	0	$	0		0.00	%
Nonowner-occupied		0		0		0		0		0.00	%
Other commercial		0		0		0		0		0.00	%
Residential real estate		0		180		0		0		0.00	%
Construction & land development		0		0		0		0		0.00	%
Consumer:
Bankcard		0		0		0		0		0.00	%
Other consumer		0		0		0		0		0.00	%

Total	$	0	$	180	$	0	$	0		0.00	%


	Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	For the Three Months ended June 30, 2025
	Term Extension		Other-Than- Insignificant Payment Delay		Term Extension & Interest Rate Reduction		Term Extension & Payment Delay		% of Total Class of Financing Receivable
Commercial real estate:
Owner-occupied	$	422	$	0	$	0	$	3,466		0.19	%
Nonowner-occupied		5,698		4,616		5,162		0		0.19	%
Other commercial		1,962		0		0		0		0.05	%
Residential real estate		0		0		0		0		0.00	%
Construction & land development		0		0		0		0		0.00	%
Consumer:
Bankcard		0		0		0		0		0.00	%
Other consumer		0		0		0		0		0.00	%

Total	$	8,082	$	4,616	$	5,162	$	3,466		0.09	%


	Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	For the Six Months ended June 30, 2026
	Term Extension		Other-Than- Insignificant Payment Delay		Term Extension & Interest Rate Reduction		Term Extension & Payment Delay		% of Total Class of Financing Receivable
Commercial real estate:
Owner-occupied	$	1,209	$	37	$	0	$	0		0.06	%
Nonowner-occupied		0		0		0		0		0.00	%
Other commercial		0		0		0		0		0.00	%
Residential real estate		0		180		0		0		0.00	%
Construction & land development		0		0		0		0		0.00	%
Consumer:
Bankcard		0		0		0		0		0.00	%
Other consumer		0		0		0		0		0.00	%

Total	$	1,209	$	217	$	0	$	0		0.01	%


	Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	For the Six Months ended June 30, 2025
	Term Extension		Other-Than- Insignificant Payment Delay		Term Extension & Interest Rate Reduction		Term Extension & Payment Delay		% of Total Class of Financing Receivable
Commercial real estate:
Owner-occupied	$	422	$	0	$	0	$	3,466		0.19	%
Nonowner-occupied		5,698		4,616		5,341		0		0.20	%
Other commercial		9,232		0		0		0		0.25	%
Residential real estate		0		0		0		0		0.00	%
Construction & land development		0		0		0		0		0.00	%
Consumer:
Bankcard		0		0		0		0		0.00	%
Other consumer		0		0		0		0		0.00	%

Total	$	15,352	$	4,616	$	5,341	$	3,466		0.12	%

Schedule of Amortized Cost Basis Payment Status


	Payment Status (Amortized Cost Basis)
	As of June 30, 2026						As of June 30, 2025
	Current		30-89 Days Past Due		90+ Days Past Due		Current		30-89 Days Past Due		90+ Days Past Due
Commercial real estate:
Owner-occupied	$	1,246	$	0	$	0	$	3,888	$	0	$	0
Nonowner-occupied		3,568		0		0		11,307		4,399		0
Other commercial		651		0		0		9,232		0		0
Residential real estate		180		0		0		172		0		0
Construction & land development		0		0		0		47		0		0
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0

Total	$	5,645	$	0	$	0	$	24,646	$	4,399	$	0

Schedule of Financial Effect of Loan and Lease Modifications

The following table presents the financial effect of loan and lease modifications to borrowers experiencing financial difficulty for the three and six months ended June 30, 2026 and 2025.


	For the Three Months Ended							For the Three Months Ended
	June 30, 2026							June 30, 2025
	Weighted- Average Interest Rate Reduction			Weighted Average Payment Delay (in years)		Weighted Average Term Extension (in years)		Weighted- Average Interest Rate Reduction			Weighted Average Payment Delay (in years)		Weighted Average Term Extension (in years)
Commercial Real Estate:
Owner-occupied		0.00	%		0		0		0.50	%		2.4		0
Nonowner-occupied		0.00	%		0		0		0.50	%		2.0		0.4
Other Commercial		0.00	%		0		0		0.00	%		0		0.3
Residential Real Estate		0.00	%		0.3		0		0.00	%		0		0
Construction & land development		0.00	%		0		0		0.00	%		0		0
Consumer:
Bankcard		0.00	%		0		0		0.00	%		0		0
Other consumer		0.00	%		0		0		0.00	%		0		0


	For the Six Months Ended							For the Six Months Ended
	June 30, 2026							June 30, 2025
	Weighted- Average Interest Rate Reduction			Weighted Average Payment Delay (in years)		Weighted Average Term Extension (in years)		Weighted- Average Interest Rate Reduction			Weighted Average Payment Delay (in years)		Weighted Average Term Extension (in years)
Commercial Real Estate:
Owner-occupied		0.00	%		1.0		3.3		0.50	%		2.4		1.0
Nonowner-occupied		0.00	%		0		0		0.50	%		2.0		0.4
Other Commercial		0.00	%		0		0		0.00	%		0		0.5
Residential Real Estate		0.00	%		0.3		0		0.00	%		0		0
Construction & land development		0.00	%		0		0		0.00	%		0		0
Consumer:
Bankcard		0.00	%		0		0		0.00	%		0		0
Other consumer		0.00	%		0		0		0.00	%		0		0

Schedule of Amortized Cost Loans and Leases Pledged As Collateral

The following table presents the amortized cost basis of collateral-dependent loans and leases in which repayment is expected to be derived substantially through the operation or sale of the collateral and where the borrower is experiencing financial difficulty, by class of loans and leases as of June 30, 2026 and December 31, 2025:


	Collateral Dependent Loans and Leases
	At June 30, 2026
	Residential Property		Business Assets		Land		Commercial Property		Other		Total
Commercial real estate:
Owner-occupied	$	0	$	0	$	0	$	3,680	$	22,929	$	26,609
Nonowner-occupied		4,218		0		16		73,414		22,781		100,429
Other commercial		21		7,020		0		4,823		2,876		14,740
Residential real estate		6,398		0		202		0		3		6,603


	Collateral Dependent Loans and Leases
	At June 30, 2026
	Residential Property		Business Assets		Land		Commercial Property		Other		Total
Construction & land development		1,421		0		2,341		0		0		3,762
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0

Total	$	12,058	$	7,020	$	2,559	$	81,917	$	48,589	$	152,143


	Collateral Dependent Loans and Leases
	At December 31, 2025
	Residential Property		Business Assets		Land		Commercial Property		Other		Total
Commercial real estate:
Owner-occupied	$	0	$	0	$	0	$	3,094	$	19,366	$	22,460
Nonowner-occupied		6,830		0		0		84,786		38,761		130,377
Other commercial		0		4,005		0		4,893		3,174		12,072
Residential real estate		6,049		0		0		0		5		6,054
Construction & land development		250		0		849		0		1,170		2,269
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0

Total	$	13,129	$	4,005	$	849	$	92,773	$	62,476	$	173,232

Schedule of Risk Category of Loans by Class of Loans and Leases

Based on the most recent analysis performed, the risk category of loans and leases as well as charge-offs and recoveries by class of loans is as follows. Loans originated in any year may be renewals of existing loans and not necessarily new loans.

Commercial Real Estate – Owner-occupied


	Term Loans Origination Year												Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of June 30, 2026	2026		2025		2024		2023		2022		Prior		Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	166,142	$	370,636	$	344,710	$	190,172	$	275,178	$	732,303	$	52,892	$	0	$	2,132,033
Special Mention		0		51		0		271		144		3,204		0		0		3,670
Substandard		0		715		0		242		3,661		19,378		11,007		0		35,003
Doubtful		0		0		0		0		0		194		0		0		194

Total	$	166,142	$	371,402	$	344,710	$	190,685	$	278,983	$	755,079	$	63,899	$	0	$	2,170,900

Current-period charge-offs		0		0		0		0		0		0		0		0		0
Current-period recoveries		0		0		0		0		7		228		0		0		235

Current-period net recoveries	$	0	$	0	$	0	$	0	$	7	$	228	$	0	$	0	$	235


	Term Loans Origination Year													Revolving loans amortized cost basis		Revolving loans and leases converted to term loans		Total
As of December 31, 2025	2025		2024		2023		2022		2021		Prior			Revolving loans amortized cost basis		Revolving loans and leases converted to term loans		Total
Internal Risk Grade:
Pass	$	353,313	$	362,198	$	196,733	$	301,328	$	278,290	$	555,204		$	51,711	$	0	$	2,098,777
Special Mention		0		0		4,842		0		0		3,727			2,695		0		11,264
Substandard		0		246		4,027		3,402		0		19,671			8,220		116		35,682
Doubtful		0		0		0		0		0		198			0		0		198

Total	$	353,313	$	362,444	$	205,602	$	304,730	$	278,290	$	578,800		$	62,626	$	116	$	2,145,921

Current-period charge-offs		0		0		0		0		0		(228	)		0		0		(228	)
Current-period recoveries		0		0		0		14		0		304			0		0		318

Current-period net recoveries	$	0	$	0	$	0	$	14	$	0	$	76		$	0	$	0	$	90

Commercial Real Estate – Nonowner-occupied


	Term Loans Origination Year													Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of June 30, 2026	2026		2025		2024		2023		2022		Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	1,142,967	$	1,706,361	$	987,376	$	667,400	$	1,572,441	$	2,084,683		$	104,910	$	0	$	8,266,138
Special Mention		0		1,967		6,748		13,508		38,250		225,904			0		0		286,377
Substandard		0		0		8		8,888		40,914		96,895			22,407		0		169,112
Doubtful		0		0		0		0		0		0			0		0		0

Total	$	1,142,967	$	1,708,328	$	994,132	$	689,796	$	1,651,605	$	2,407,482		$	127,317	$	0	$	8,721,627

Current-period charge-offs		0		0		0		0		0		(4,918	)		0		0		(4,918	)
Current-period recoveries		0		0		0		0		0		74			0		0		74

Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	(4,844	)	$	0	$	0	$	(4,844	)


	Term Loans Origination Year													Revolving loans amortized cost basis		Revolving loans and leases converted to term loans		Total
As of December 31, 2025	2025		2024		2023		2022		2021		Prior			Revolving loans amortized cost basis		Revolving loans and leases converted to term loans		Total
Internal Risk Grade:
Pass	$	1,628,785	$	856,235	$	760,043	$	1,917,759	$	1,165,300	$	1,397,941		$	143,406	$	0	$	7,869,469
Special Mention		1,983		0		7,058		51,603		113,708		120,213			0		0		294,565
Substandard		0		0		5,431		48,950		5,323		97,607			22,175		0		179,486
Doubtful		0		0		0		0		0		0			0		0		0

Total	$	1,630,768	$	856,235	$	772,532	$	2,018,312	$	1,284,331	$	1,615,761		$	165,581	$	0	$	8,343,520

Current-period charge-offs		0		0		0		0		0		(35,798	)		0		0		(35,798	)
Current-period recoveries		0		0		0		0		0		160			0		0		160

Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	(35,638	)	$	0	$	0	$	(35,638	)

Other commercial


	Term Loans and leases Origination Year																		Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans		Total
As of June 30, 2026	2026			2025			2024			2023			2022			Prior			Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans		Total
Internal Risk Grade:
Pass	$	209,541		$	592,836		$	342,487		$	423,328		$	178,891		$	813,484		$	1,194,096		$	29	$	3,754,692
Special Mention		80			0			1,571			3,232			344			408			187			0		5,822
Substandard		0			55			1,416			2,389			5,133			31,596			5,884			0		46,473
Doubtful		0			0			0			0			0			0			0			0		0

Total	$	209,621		$	592,891		$	345,474		$	428,949		$	184,368		$	845,488		$	1,200,167		$	29	$	3,806,987

Current-period charge-offs		(60	)		(13	)		(102	)		(250	)		(600	)		(3,978	)		(573	)		0		(5,576	)
Current-period recoveries		0			5			1			12			0			653			28			0		699

Current-period net charge-offs	$	(60	)	$	(8	)	$	(101	)	$	(238	)	$	(600	)	$	(3,325	)	$	(545	)	$	0	$	(4,877	)


	Term Loans and leases Origination Year																	Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans		Total
As of December 31, 2025	2025		2024			2023			2022			2021			Prior			Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans		Total
Internal Risk Grade:
Pass	$	628,597	$	373,700		$	472,334		$	214,442		$	324,424		$	600,824		$	1,117,879		$	47	$	3,732,247
Special Mention		5		431			117			949			1,128			9,012			458			0		12,100
Substandard		0		1,689			2,853			6,225			6,926			17,469			5,324			0		40,486
Doubtful		0		0			0			0			0			0			0			0		0

Total	$	628,602	$	375,820		$	475,304		$	221,616		$	332,478		$	627,305		$	1,123,661		$	47	$	3,784,833

Current-period charge-offs		0		(48	)		(150	)		(229	)		(1,625	)		(2,459	)		(913	)		0		(5,424	)
Current-period recoveries		0		0			27			75			32			2,111			64			0		2,309

Current-period net charge-offs	$	0	$	(48	)	$	(123	)	$	(154	)	$	(1,593	)	$	(348	)	$	(849	)	$	0	$	(3,115	)

Residential Real Estate


	Term Loans Origination Year																	Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of June 30, 2026	2026		2025			2024			2023			2022			Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	498,655	$	798,617		$	388,548		$	659,384		$	1,484,851		$	1,799,484		$	526,415	$	145	$	6,156,099
Special Mention		10		0			162			653			0			1,675			592		0		3,092
Substandard		0		0			310			836			202			19,299			172		0		20,819
Doubtful		0		0			0			0			0			0			0		0		0

Total	$	498,665	$	798,617		$	389,020		$	660,873		$	1,485,053		$	1,820,458		$	527,179	$	145	$	6,180,010

Current-period charge-offs		0		0			0			0			0			(275	)		0		0		(275	)
Current-period recoveries		0		0			0			0			16			59			11		0		86

Current-period net recoveries (charge-offs)	$	0	$	0		$	0		$	0		$	16		$	(216	)	$	11	$	0	$	(189	)


	Term Loans Origination Year																	Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of December 31, 2025	2025		2024			2023			2022			2021			Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	746,665	$	427,238		$	784,994		$	1,608,513		$	822,932		$	1,148,481		$	533,509	$	160	$	6,072,492
Special Mention		0		476			104			0			0			4,048			637		0		5,265
Substandard		0		407			107			0			7,800			11,984			207		0		20,505
Doubtful		0		0			0			0			0			0			0		0		0

Total	$	746,665	$	428,121		$	785,205		$	1,608,513		$	830,732		$	1,164,513		$	534,353	$	160	$	6,098,262

Current-period charge-offs		0		(67	)		(205	)		(189	)		(6	)		(532	)		0		0		(999	)
Current-period recoveries		0		0			0			0			2			701			1		0		704

Current-period net (charge-offs) recoveries	$	0	$	(67	)	$	(205	)	$	(189	)	$	(4	)	$	169		$	1	$	0	$	(295	)

Construction and Land Development


	Term Loans Origination Year															Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of June 30, 2026	2026		2025		2024			2023		2022			Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	406,527	$	936,375	$	771,514		$	516,967	$	268,954		$	69,742		$	261,284	$	0	$	3,231,363
Special Mention		0		0		6,536			23,837		11,911			47,841			0		0		90,125
Substandard		0		1,399		305			4,472		299			7,480			100		0		14,055
Doubtful		0		0		0			0		0			0			0		0		0

Total	$	406,527	$	937,774	$	778,355		$	545,276	$	281,164		$	125,063		$	261,384	$	0	$	3,335,543

Current-period charge-offs		0		0		0			0		0			0			0		0		0
Current-period recoveries		0		0		0			1		0			351			0		0		352

Current-period net recoveries	$	0	$	0	$	0		$	1	$	0		$	351		$	0	$	0	$	352


	Term Loans Origination Year															Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of December 31, 2025	2025		2024		2023			2022		2021			Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	1,031,215	$	992,846	$	693,752		$	401,811	$	65,460		$	27,716		$	305,750	$	0	$	3,518,550
Special Mention		0		2,827		30,509			0		4,208			8,281			0		0		45,825
Substandard		541		0		4,468			34		0			1,484			0		0		6,527
Doubtful		0		0		0			0		0			0			0		0		0

Total	$	1,031,756	$	995,673	$	728,729		$	401,845	$	69,668		$	37,481		$	305,750	$	0	$	3,570,902

Current-period charge-offs		0		0		(141	)		0		(103	)		(164	)		0		0		(408	)
Current-period recoveries		0		0		0			0		0			225			0		0		225

Current-period net (charge-offs) recoveries	$	0	$	0	$	(141	)	$	0	$	(103	)	$	61		$	0	$	0	$	(183	)

Bankcard


	Term Loans Origination Year												Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
As of June 30, 2026	2026		2025		2024		2023		2022		Prior		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	0	$	0	$	0	$	0	$	0	$	0	$	9,291		$	0	$	9,291
Special Mention		0		0		0		0		0		0		27			0		27
Substandard		0		0		0		0		0		0		45			0		45
Doubtful		0		0		0		0		0		0		0			0		0

Total	$	0	$	0	$	0	$	0	$	0	$	0	$	9,363		$	0	$	9,363

Current-period charge-offs		0		0		0		0		0		0		(115	)		0		(115	)
Current-period recoveries		0		0		0		0		0		0		20			0		20

Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	(95	)	$	0	$	(95	)


	Term Loans Origination Year												Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
As of December 31, 2025	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	0	$	0	$	0	$	0	$	0	$	0	$	9,603		$	0	$	9,603
Special Mention		0		0		0		0		0		0		28			0		28
Substandard		0		0		0		0		0		0		55			0		55
Doubtful		0		0		0		0		0		0		0			0		0

Total	$	0	$	0	$	0	$	0	$	0	$	0	$	9,686		$	0	$	9,686

Current-period charge-offs		0		0		0		0		0		0		(320	)		0		(320	)
Current-period recoveries		0		0		0		0		0		0		55			0		55

Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	(265	)	$	0	$	(265	)

Other Consumer


	Term Loans Origination Year																		Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of June 30, 2026	2026			2025			2024			2023			2022			Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	201,429		$	284,851		$	71,522		$	59,114		$	110,234		$	42,465		$	1,941	$	0	$	771,556
Special Mention		157			929			423			703			4,678			2,503			6		0		9,399
Substandard		0			220			6			21			341			260			5		0		853
Doubtful		0			0			0			0			0			0			0		0		0

Total	$	201,586		$	286,000		$	71,951		$	59,838		$	115,253		$	45,228		$	1,952	$	0	$	781,808

Current-period charge-offs		0			(200	)		(17	)		(136	)		(1,013	)		(693	)		0		0		(2,059	)
Current-period recoveries		0			5			7			13			314			385			0		0		724

Current-period net charge-offs	$	0		$	(195	)	$	(10	)	$	(123	)	$	(699	)	$	(308	)	$	0	$	0	$	(1,335	)


	Term Loans Origination Year																		Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of December 31, 2025	2025			2024			2023			2022			2021			Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	346,057		$	90,623		$	79,353		$	157,220		$	57,987		$	18,929		$	2,104	$	0	$	752,273
Special Mention		682			446			821			6,741			3,794			1,171			13		0		13,668
Substandard		221			57			88			617			464			101			7		0		1,555
Doubtful		0			0			0			0			0			0			0		0		0

Total	$	346,960		$	91,126		$	80,262		$	164,578		$	62,245		$	20,201		$	2,124	$	0	$	767,496

Current-period charge-offs		(15	)		(185	)		(507	)		(4,547	)		(1,698	)		(783	)		0		0		(7,735	)
Current-period recoveries		0			7			78			642			273			429			0		0		1,429

Current-period net charge-offs	$	(15	)	$	(178	)	$	(429	)	$	(3,905	)	$	(1,425	)	$	(354	)	$	0	$	0	$	(6,306	)