A summary of borrowings from the FHLB is as follows:

Included in the above borrowings from the FHLB at June 30, 2026 and December 31, 2025 is a $25.0 million long-term advance, with an interest rate of 4.38%, which is callable by the FHLB on September 8, 2026 and quarterly thereafter. As of June 30, 2026 and December 31, 2025 borrowings from the FHLB also include $2.8 million and $2.3 million, respectively, of advances through the FHLB’s Jobs for New England program where certain qualifying small business loans that create or preserve jobs, expand woman-, minority- or veteran-owned businesses, or otherwise stimulate the economy in New England communities are offered at an interest rate of 0%. At June 30, 2026 and December 31, 2025, the Bank had an overnight line of credit with the FHLB that may be drawn up to $3.0 million. The entire balance of this credit facility was available at June 30, 2026 and December 31, 2025.