	*June 30, 2026*						*December 31, 2025*
(Amounts in thousands)	*No Allowance*		*With an Allowance*		*Total*		*No Allowance*		*With an Allowance*		*Total*
Commercial loans
Construction, development, and other land	$	26	$	-	$	26	$	133	$	-	$	133
Commercial and industrial		2,413		-		2,413		1,318		-		1,318
Multi-family residential		627		-		627		124		-		124
Single family non-owner occupied		2,837		-		2,837		1,003		-		1,003
Non-farm, non-residential		1,604		-		1,604		1,273		-		1,273
Agricultural		78		-		78		84		-		84
Farmland		206		-		206		220		-		220
Consumer real estate loans
Home equity lines		972		-		972		901		-		901
Single family owner occupied		7,589		-		7,589		8,256		-		8,256
Owner occupied construction		-		-		-		-		-		-
Consumer and other loans
Consumer loans		464		-		464		629		-		629
Total nonaccrual loans	$	16,816	$	-	$	16,816	$	13,941	$	-	$	13,941

	*Payment Delays*
	*Amortized Cost Basis*		*% of Total Class of*
	*June 30, 2026*		*Financing Receivable*			*Financial Effect*

(Amounts in thousands)
Non-Farm, Non-Residential Property	$	736		0.08	%	Interest only payments; deferred payments to maturity.
Single Family Owner Occupied		618		0.09	%	Deferred principal to loan maturity.
Agricultural		206		1.43	%	Deferred 6 months of principal to loan maturity.
Commercial & Industrial		26		0.01	%	Deferred 6 months of principal to loan maturity.
Single Family Non-Owner Occupied		14		0.01	%	Deferred 6 months of principal to loan maturity.
Total	$	1,600

	*Term Extensions*
	*Amortized Cost Basis*		*% of Total Class of*
	*June 30, 2026*		*Financing Receivable*			*Financial Effect*

(Amounts in thousands)
Commercial & Industrial	$	287		0.10	%	Delayed repayment of P&I.
Single Family Owner Occupied		67		0.01	%	Extended term by 10.5 years.
Consumer		26		0.05	%	Extended terms and deferred payments.
Agricultural		16		0.11	%	Extended maturity by 8 months.
Total	$	396

	*Term Extension and Rate Reduction*
	*Amortized Cost Basis*		*% of Total Class of*
	*June 30, 2026*		*Financing Receivable*			*Financial Effect*

(Amounts in thousands)
Single Family Owner Occupied	$	973		0.15	%	Reduced interest income and extended time to recover principal.
Commercial & Industrial		315		0.11	%	Lowered rate by 2%; extended maturity by 26 months.
Non-Farm, Non-Residential Property		57		0.01	%	Reduced rate to 5%; extended term by approx. 5 years.
Consumer		8		0.02	%	Extended term and reduced interest rate.
Total	$	1,353

	*Interest Rate Reduction*
	*Amortized Cost Basis*		*% of Total Class of*
	*June 30, 2026*		*Financing Receivable*			*Financial Effect*

(Amounts in thousands)
Single Family Owner Occupied	$	86		0.01	%	Reduced interest rate from 3.15% to 1.95%.
Total	$	86

	*Payment Delays*
	*Amortized Cost Basis*		*% of Total Class of*
	*December 31, 2025*		*Financing Receivable*			*Financial Effect*

(Amounts in thousands)
Non-Farm, Non-Residential Property	$	594		0.07	%	Interest only payments; deferred payments to maturity.
Single Family Owner Occupied		647		0.10	%	Deferred Principal to loan maturity.
Single Family Non-Owner Occupied		20		0.01	%	Deferred 6 months of principal to loan maturity.
Commercial & Industrial		12		0.01	%	Deferred 6 months of interest to loan maturity.
Total	$	1,273

	*Term Extensions*
	*Amortized Cost Basis*		*% of Total Class of*
	*December 31, 2025*		*Financing Receivable*			*Financial Effect*

(Amounts in thousands)
Single Family Owner Occupied	$	68		0.01	%	Extended term by 10.5 years.
Commercial & Industrial		32		0.01	%	Delayed repayment of P & I for 24-46 months.
Total	$	100

	*Term Extension and Rate Reduction*
	*Amortized Cost Basis*		*% of Total Class of*
	*December 31, 2025*		*Financing Receivable*			*Financial Effect*

(Amounts in thousands)
Single Family Owner Occupied	$	976		0.15	%	Reduced interest income and extended time to recover principal.
Consumer		4		0.01	%	Reduced rate to 10.5%; extended term by ten months.
Total	$	980

	Interest Rate Reduction
	Amortized Cost Basis		% of Total Class of
	December 31, 2025		Financing Receivable			Financial Effect

(Amounts in thousands)
Single Family Owner Occupied	$	89		0.01	%	Reduced interest rate from 3.15% to 1.95%
Total	$	89

	*June 30, 2026*
	*Payment Status (Amortized Cost Basis)*
	*Current*		*30-89 Days Past Due*		*90+ Days Past Due*
(Amounts in thousands)
Non-Farm, Non-Residential Property	$	450	$	343	$	-
Single Family Owner Occupied		1,177		525		42
Single Family Non-Owner Occupied		14		-		-
Agricultural		222		-		-
Commercial & Industrial		579		49		-
Consumer		14		20		-
Total	$	2,456	$	937	$	42

	*December 31, 2025*
	*Payment Status (Amortized Cost Basis)*
	*Current*		*30-89 Days Past Due*		*90+ Days Past Due*


(Amounts in thousands)
Non-Farm, Non-Residential Property	$	594	$	-	$	-
Single Family Owner Occupied		1,358		401		21
Single Family Non-Owner Occupied		-		20		-
Commercial & Industrial		44		-		-
Consumer		4		-		-
Total	$	2,000	$	421	$	21