Notes Tables

Schedule of aging of the loan/lease portfolio by classes of loans/leases


		As of June 30, 2026
											Accruing Past
					30-59 Days			60-89 Days			Due 90 Days or			Nonaccrual
Classes of Loans/Leases		Current			Past Due			Past Due			More			Loans/Leases			Total

		(dollars in thousands)
C&I:
C&I - revolving		$	406,582		$	—		$	15		$	—		$	822	$		407,419
C&I - other			1,182,150			3,096			1,055			1			23,611			1,209,913
CRE - owner occupied			587,351			380			—			—			2,197			589,928
CRE - non-owner occupied			963,856			—			—			—			3,017			966,873
Construction and land development			1,200,631			804			—			—			4,118			1,205,553
Multi-family			1,868,907			—			—			—			2,333			1,871,240
Direct financing leases			6,323			—			20			—			39			6,382
1-4 family real estate			608,946			—			1,997			—			2,721			613,664
Consumer			161,443			234			—			—			281			161,958
		$	6,986,189		$	4,514		$	3,087		$	1		$	39,139		$	7,032,930

As a percentage of total loan/lease portfolio			99.34	%		0.06	%		0.04	%		0.00	%		0.56	%		100.00	%


		As of December 31, 2025
											Accruing Past
					30-59 Days			60-89 Days			Due 90 Days or			Nonaccrual
Classes of Loans/Leases		Current			Past Due			Past Due			More			Loans/Leases			Total

		(dollars in thousands)
C&I
C&I - revolving		$	363,820		$	19,972		$	—		$	—		$	864	$		384,656
C&I - other			1,284,558			3,755			1,915			3			28,635			1,318,866
CRE - owner occupied			575,669			1,277			—			—			406			577,352
CRE - non-owner occupied			1,033,991			—			—			—			2,664			1,036,655
Construction and land development			1,304,238			—			66			—			4,118			1,308,422
Multi-family			1,735,026			31,972			—			—			2,333			1,769,331
Direct financing leases			8,346			1,133			—			—			54			9,533
1-4 family real estate			597,924			2,760			192			82			2,725			603,683
Consumer			157,962			24			58			—			413			158,457
		$	7,061,534		$	60,893		$	2,231		$	85		$	42,212		$	7,166,955

As a percentage of total loan/lease portfolio			98.53	%		0.85	%		0.03	%		0.00	%		0.59	%		100.00	%

Schedule of allowance for credit losses on financing receivables


		Three Months Ended June 30, 2026
						CRE		CRE		Construction				1-4
		C&I -		C&I -		Owner		Non-Owner		and Land		Multi-		Family
		Revolving		Other*		Occupied		Occupied		Development		Family		Real Estate			Consumer			Total

		(dollars in thousands)

Balance, beginning		$	3,726	$	23,007	$	6,519	$	11,725	$	15,415	$	17,908	$	5,415		$	1,744		$	85,459
Change in ACL for writedown of LHFS to fair value			—				—		—		—		374		—						374
Provision			204		1,661		5,856		(1,180)		(2,030)		549		(358)			(50)			4,652
Charge-offs			—		(3,563)		—		—		—		—		—			(10)			(3,573)
Recoveries			37		229		—		—		—		—		—			7			273
Balance, ending		$	3,967	$	21,334	$	12,375	$	10,545	$	13,385	$	18,831	$	5,057		$	1,691		$	87,185


		Six Months Ended June 30, 2026
						CRE		CRE		Construction				1-4
		C&I -		C&I -		Owner		Non-Owner		and Land		Multi-		Family
		Revolving		Other**		Occupied		Occupied		Development		Family		Real Estate			Consumer			Total

		(dollars in thousands)

Balance, beginning		$	3,747	$	27,684	$	6,324	$	11,457	$	15,397	$	18,860	$	4,986		$	1,672		$	90,127
Change in ACL for the transfer of loans to LHFS			—		—		—		—		—		(3,076)		—			—			(3,076)
Provision			147		980		5,964		(912)		(2,012)		3,047		80			46			7,340
Charge-offs			(3)		(7,964)		—		—		—		—		(9)			(44)			(8,020)
Recoveries			76		634		87		—		—		—		—			17			814
Balance, ending		$	3,967	$	21,334	$	12,375	$	10,545	$	13,385	$	18,831	$	5,057		$	1,691		$	87,185

* Included within the C&I – Other column are ACL on leases with a beginning balance of $263 thousand, negative provision of $46 thousand, charge-offs of $5 thousand and no recoveries. The ACL on leases was $212 thousand as of June 30, 2026.

** included within the C&I – Other column are ACL on leases with a beginning balance of $311 thousand, negative provision of $320 thousand, charge -offs of $5 thousand and recoveries of $226 thousand. The ACL on leases was $212 thousand as of June 30, 2026.


		Three Months Ended June 30, 2025
						CRE		CRE		Construction				1-4
		C&I -		C&I -		Owner		Non-Owner		and Land		Multi-		Family
		Revolving		Other*		Occupied		Occupied		Development		Family		Real Estate		Consumer			Total

		(dollars in thousands)

Balance, beginning		$	3,952	$	31,845	$	7,141	$	11,061	$	16,760	$	12,968	$	5,095	$	1,532		$	90,354
Provision			(155)		3,972		(400)		(445)		1,161		574		(115)		75			4,667
Charge-offs			—		(6,470)		—		10		—		—		—		(30)			(6,490)
Recoveries			—		175		—		—		24		—		—		2			201
Balance, ending		$	3,797	$	29,522	$	6,741	$	10,626	$	17,945	$	13,542	$	4,980	$	1,579		$	88,732


		Six Months Ended June 30, 2025
						CRE		CRE		Construction				1-4
		C&I -		C&I -		Owner		Non-Owner		and Land		Multi-		Family
		Revolving		Other**		Occupied		Occupied		Development		Family		Real Estate		Consumer		Total

		(dollars in thousands)

Balance, beginning		$	3,856	$	34,002	$	7,147	$	11,137	$	15,099	$	12,173	$	4,934	$	1,493	$	89,841
Provisions			(59)		6,071		(406)		(521)		2,763		1,369		72		121		9,410
Charge-offs			—		(11,348)		—		10		—		—		(26)		(70)		(11,434)
Recoveries			—		797		—		—		83		—		—		35		915
Balance, ending		$	3,797	$	29,522	$	6,741	$	10,626	$	17,945	$	13,542	$	4,980	$	1,579	$	88,732

* Included within the C&I – Other column are ACL on leases with a beginning balance of $485 thousand, negative provision of $33 thousand, charge-offs of $30 thousand and recoveries of $1 thousand. The ACL on leases was $423 thousand as of June 30, 2025.

** Included within the C&I – Other column are ACL on leases with a beginning balance of $580 thousand, provision of $54 thousand, charge-offs of $221 thousand and recoveries of $10 thousand. The ACL on leases was $423 thousand as of June 30, 2025.

The composition of the ACL on loans/leases held for investment by portfolio segment based on evaluation method as of June 30, 2026 and December 31, 2025 are as follows:


		As of June 30, 2026
		Amortized Cost of Loans Receivable							Allowance for Credit Losses
		Individually			Collectively				Individually			Collectively
		Evaluated for			Evaluated for				Evaluated for			Evaluated for
		Credit Losses			Credit Losses		Total		Credit Losses			Credit Losses		Total

		(dollars in thousands)
C&I :
C&I - revolving		$	6,334		$	401,085	$	407,419	$	247		$	3,720	$	3,967
C&I - other*			27,805			1,188,490		1,216,295		5,774			15,560		21,334
			34,139			1,589,575		1,623,714		6,021			19,280		25,301
CRE - owner occupied			25,780			564,148		589,928		7,601			4,774		12,375
CRE - non-owner occupied			3,406			963,467		966,873		1,711			8,834		10,545
Construction and land development			4,483			1,201,070		1,205,553		1,663			11,722		13,385
Multi-family			4,584			1,866,656		1,871,240		886			17,945		18,831
1-4 family real estate			3,225			606,708		609,933		296			4,761		5,057
Consumer			319			161,639		161,958		38			1,653		1,691
		$	75,936		$	6,953,263	$	7,029,199	$	18,216		$	68,969	$	87,185

* Included within the C&I – other category are leases individually evaluated of $39 thousand with a related allowance for credit losses of $12 thousand and leases collectively evaluated of $6.3 million with a related allowance for credit losses of $202 thousand as of June 30, 2026.


		As of December 31, 2025
		Amortized Cost of Loans Receivable							Allowance for Credit Losses
		Individually			Collectively				Individually			Collectively
		Evaluated for			Evaluated for				Evaluated for			Evaluated for
		Credit Losses			Credit Losses		Total		Credit Losses			Credit Losses		Total

		(dollars in thousands)
C&I :
C&I - revolving		$	5,726		$	378,930	$	384,656	$	39		$	3,708	$	3,747
C&I - other*			30,579			1,297,820		1,328,399		6,566			21,118		27,684
			36,305			1,676,750		1,713,055		6,605			24,826		31,431
CRE - owner occupied			23,711			553,641		577,352		1,464			4,860		6,324
CRE - non-owner occupied			3,419			1,033,236		1,036,655		1,642			9,815		11,457
Construction and land development			4,485			1,303,937		1,308,422		1,664			13,733		15,397
Multi-family			4,619			1,764,712		1,769,331		429			18,431		18,860
1-4 family real estate			1,966			600,288		602,254		300			4,686		4,986
Consumer			454			158,003		158,457		50			1,622		1,672
		$	74,959		$	7,090,567	$	7,165,526	$	12,154		$	77,973	$	90,127

* Included within the C&I – other category are leases individually evaluated of $54 thousand with a related allowance for credit losses of $16 thousand and leases collectively evaluated of $9.5 million with a related allowance for credit losses of $295 thousand as of December 31, 2025.

Schedule of financing receivable credit quality indicators based on internally assigned Risk rating


		As of June 30, 2026
		Term Loans
		Amortized Cost Basis by Origination Year
																		Revolving
																		Loans
Internally Assigned																		Amortized
Risk Rating		2026			2025			2024			2023			2022		Prior		Cost Basis		Total

		(dollars in thousands)
C&I - revolving
Pass		$	—		$	—		$	—		$	—		$	—	$	—	$	375,549	$	375,549
Special Mention			—			—			—			—			—		—		25,585		25,585
Substandard			—			—			—			—			—		—		6,285		6,285
Doubtful			—			—			—			—			—		—		—		—
Total C&I - revolving		$	—		$	—		$	—		$	—		$	—	$	—	$	407,419	$	407,419

C&I - other
Pass		$	245,027		$	236,278		$	99,778		$	194,471		$	114,183	$	152,573	$	—	$	1,042,310
Special Mention			10,466			3,648			1,208			122			496		2,476		—		18,416
Substandard			2,412			5,181			6,771			307			794		5,040		—		20,505
Doubtful			—			—			—			—			—		—		—		—
Total C&I - other		$	257,905		$	245,107		$	107,757		$	194,900		$	115,473	$	160,089	$	—	$	1,081,231

CRE - owner occupied
Pass		$	88,973		$	96,044		$	53,119		$	74,881		$	74,901	$	154,848	$	10,728	$	553,494
Special Mention			8,191			—			—			169			385		5,703		—		14,448
Substandard			747			1,403			—			433			2,100		17,303		—		21,986
Doubtful			—			—			—			—			—		—		—		—
Total CRE - owner occupied		$	97,911		$	97,447		$	53,119		$	75,483		$	77,386	$	177,854	$	10,728	$	589,928

CRE - non-owner occupied
Pass		$	97,633		$	228,518		$	122,641		$	105,044		$	186,141	$	168,523	$	46,070	$	954,570
Special Mention			2,357			34			993			—			5,304		209		—		8,897
Substandard			—			77			—			2,664			312		353		—		3,406
Doubtful			—			—			—			—			—		—		—		—
Total CRE - non-owner occupied		$	99,990		$	228,629		$	123,634		$	107,708		$	191,757	$	169,085	$	46,070	$	966,873

Construction and land development
Pass		$	208,094		$	415,189		$	229,278		$	268,594		$	44,896	$	4,419	$	30,787	$	1,201,257
Special Mention			67			—			20			—			—		—		—		87
Substandard			—			—			4,118			91			—		—		—		4,209
Doubtful			—			—			—			—			—		—		—		—
Total Construction and land development		$	208,161		$	415,189		$	233,416		$	268,685		$	44,896	$	4,419	$	30,787	$	1,205,553

Multi-family
Pass		$	162,228		$	434,456		$	236,248		$	223,322		$	318,222	$	491,182	$	998	$	1,866,656
Special Mention			—			—			—			—			—		—		—		—
Substandard			2,244			2,333			—			—			—		7		—		4,584
Doubtful			—			—			—			—			—		—		—		—
Total Multi-family		$	164,472		$	436,789		$	236,248		$	223,322		$	318,222	$	491,189	$	998	$	1,871,240

1-4 family real estate
Pass		$	88,163		$	106,900		$	81,350		$	79,575		$	66,697	$	180,635	$	4,909	$	608,229
Special Mention			47			1,535			—			—			156		472		—		2,210
Substandard			—			—			406			683			378		1,731		27		3,225
Doubtful			—			—			—			—			—		—		—		—
Total 1-4 family real estate		$	88,210		$	108,435		$	81,756		$	80,258		$	67,231	$	182,838	$	4,936	$	613,664

Consumer
Pass		$	6,828		$	10,206		$	3,221		$	3,071		$	2,014	$	1,449	$	134,787	$	161,576
Special Mention			—			—			—			—			—		—		63		63
Substandard			—			9			20			71			166		—		53		319
Doubtful			—			—			—			—			—		—		—		—
Total Consumer		$	6,828		$	10,215		$	3,241		$	3,142		$	2,180	$	1,449	$	134,903	$	161,958

Total		$	923,477		$	1,541,811		$	839,171		$	953,498		$	817,145	$	1,186,923	$	635,841	$	6,897,866


		As of December 31, 2025
		Term Loans
		Amortized Cost Basis by Origination Year
																		Revolving
																		Loans
Internally Assigned																		Amortized
Risk Rating		2025			2024			2023			2022			2021		Prior		Cost Basis		Total

		(dollars in thousands)
C&I - revolving
Pass		$	—		$	—		$	—		$	—		$	—	$	—	$	352,945	$	352,945
Special Mention			—			—			—			—			—		—		25,985		25,985
Substandard			—			—			—			—			—		—		5,726		5,726
Doubtful			—			—			—			—			—		—		—		—
Total C&I - revolving		$	—		$	—		$	—		$	—		$	—	$	—	$	384,656	$	384,656

C&I - other
Pass		$	300,721		$	171,903		$	288,321		$	144,943		$	61,157	$	137,083	$	—	$	1,104,128
Special Mention			6,659			1,881			351			1,552			2,285		1,385		—		14,113
Substandard			5,520			11,195			126			755			84		4,838		—		22,518
Doubtful			—			—			—			—			—		—		—		—
Total C&I - other		$	312,900		$	184,979		$	288,798		$	147,250		$	63,526	$	143,306	$	—	$	1,140,759

CRE - owner occupied
Pass		$	109,608		$	55,117		$	80,181		$	81,512		$	91,330	$	110,939	$	11,091	$	539,778
Special Mention			—			—			22			7,523			8,280		1,864		—		17,689
Substandard			1,222			—			111			825			696		17,031		—		19,885
Doubtful			—			—			—			—			—		—		—		—
Total CRE - owner occupied		$	110,830		$	55,117		$	80,314		$	89,860		$	100,306	$	129,834	$	11,091	$	577,352

CRE - non-owner occupied
Pass		$	281,076		$	126,112		$	152,953		$	210,062		$	129,932	$	75,744	$	42,996	$	1,018,875
Special Mention			5,173			1,006			201			5,380			2,387		214		—		14,361
Substandard			78			—			2,664			319			—		358		—		3,419
Doubtful			—			—			—			—			—		—		—		—
Total CRE - non-owner occupied		$	286,327		$	127,118		$	155,818		$	215,761		$	132,319	$	76,316	$	42,996	$	1,036,655

Construction and land development
Pass		$	365,346		$	409,811		$	350,290		$	95,684		$	44,865	$	255	$	37,801	$	1,304,052
Special Mention			—			90			—			—			70		—		—		160
Substandard			—			4,118			92			—			—		—		—		4,210
Doubtful			—			—			—			—			—		—		—		—
Total Construction and land development		$	365,346		$	414,019		$	350,382		$	95,684		$	44,935	$	255	$	37,801	$	1,308,422

Multi-family
Pass		$	500,378		$	145,022		$	225,730		$	350,851		$	187,331	$	355,047	$	354	$	1,764,713
Special Mention			—			—			—			—			—		—		—		—
Substandard			2,333			—			—			—			12		2,273		—		4,618
Doubtful			—			—			—			—			—		—		—		—
Total Multi-family		$	502,711		$	145,022		$	225,730		$	350,851		$	187,343	$	357,320	$	354	$	1,769,331

1-4 family real estate
Pass		$	135,947		$	90,638		$	88,216		$	70,462		$	96,075	$	110,623	$	6,017	$	597,978
Special Mention			1,507			—			354			—			526		6		—		2,393
Substandard			—			286			281			617			636		1,492		—		3,312
Doubtful			—			—			—			—			—		—		—		—
Total 1-4 family real estate		$	137,454		$	90,924		$	88,851		$	71,079		$	97,237	$	112,121	$	6,017	$	603,683

Consumer
Pass		$	15,483		$	4,161		$	3,964		$	2,870		$	698	$	1,426	$	129,337	$	157,939
Special Mention			—			—			—			—			—		—		64		64
Substandard			—			—			220			174			—		—		60		454
Doubtful			—			—			—			—			—		—		—		—
Total Consumer		$	15,483		$	4,161		$	4,184		$	3,044		$	698	$	1,426	$	129,461	$	158,457

Total		$	1,731,051		$	1,021,340		$	1,194,077		$	973,529		$	626,364	$	820,578	$	612,376	$	6,979,315

Schedule of gross charge offs of loans and leases by class of receivable and year of origination


		Three Months Ended June 30, 2026																		Six Months Ended June 30, 2026
		Gross Charge-off by Origination Year																		Gross Charge-off by Origination Year
Classes of Loans/Leases		2026			2025			2024			2023			2022		Prior		Total		2025			2024			2023			2022			2021		Prior		Total

		(dollars in thousands)																		(dollars in thousands)
C&I:
C&I - revolving		$	—		$	—		$	—		$	—		$	—	$	—	$	—	$	3		$	—		$	—		$	—		$	—	$	—	$	3
C&I - other			4			—			2,762			563			215		14		3,558		27			—			5,216			1,775			817		124		7,959
CRE - owner occupied			—			—			—			—			—		—		—		—			—			—			—			—		—		—
CRE - non-owner occupied			—			—			—			—			—		—		—		—			—			—			—			—		—		—
Construction and land development			—			—			—			—			—		—		—		—			—			—			—			—		—		—
Multi-family			—			—			—			—			—		—		—		—			—			—			—			—		—		—
Direct financing leases			—			—			—			—			—		5		5		—			—			—			—			—		5		5
1-4 family real estate			—			—			—			—			—		—		—		—			—			—			—			—		9		9
Consumer			—			—			1			—			9		—		10		—			—			17			18			9		—		44
		$	4		$	—		$	2,763		$	563		$	224	$	19	$	3,573	$	30		$	—		$	5,233		$	1,793		$	826	$	138	$	8,020


		Three Months Ended June 30, 2025																		Six Months Ended June 30, 2025
		Gross Charge-off by Origination Year																		Gross Charge-off by Origination Year
Classes of Loans/Leases		2025			2024			2023			2022			2021		Prior		Total		2023			2022			2021			2020			2019		Prior		Total

		(dollars in thousands)																		(dollars in thousands)
C&I:
C&I - revolving		$	—		$	—		$	—		$	—		$	—	$	—	$	—	$	—		$	—		$	—		$	—		$	—	$	—	$	—
C&I - other			500			2,010			1,431			2,064			435		—		6,440		500			3,367			2,671			3,728			751		110		11,127
CRE - owner occupied			—			—			—			—			—		—		—		—			—			—			—			—		—		—
CRE - non-owner occupied			—			—			—			—			—		(10)		(10)		—			—			—			—			—		(10)		(10)
Construction and land development			—			—			—			—			—		—		—		—			—			—			—			—		—		—
Multi-family			—			—			—			—			—		—		—		—			—			—			—			—		—		—
Direct financing leases			—			—			—			30			—		—		30		—			136			39			40			—		6		221
1-4 family real estate			—			—			—			—			—		—		—		—			3			—			23			—		—		26
Consumer			—			13			17			—			—		—		30		—			13			57			—			—		—		70
		$	500		$	2,023		$	1,448		$	2,094		$	435	$	(10)	$	6,490	$	500		$	3,519		$	2,767		$	3,791		$	751	$	106	$	11,434

Notes Tables