| Schedule of Changes in Allowance For Credit Losses on Loans Receivable and Unfunded Commitments |
The following tables detail the activity in the ACL on loans by segment and class for the periods indicated: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2026 | | Beginning Balance | | Charge-offs | | Recoveries | | Provision for (Reversal of) Credit Losses | | Ending Balance | | (Dollars in thousands) | | Commercial business: | | | | | | | | | | | Commercial and industrial | $ | 12,396 | | | $ | (180) | | | $ | 4 | | | $ | (70) | | | $ | 12,150 | | | Owner-occupied CRE | 14,197 | | | — | | | — | | | 240 | | | $ | 14,437 | | | Non-owner occupied CRE | 19,768 | | | — | | | — | | | 208 | | | $ | 19,976 | | | Total commercial business | 46,361 | | | (180) | | | 4 | | | 378 | | | 46,563 | | | Residential real estate | 3,489 | | | — | | | 2 | | | (222) | | | 3,269 | | | Real estate construction and land development: | | Residential | 1,002 | | | — | | | — | | | (144) | | | 858 | | Commercial and multifamily | 7,379 | | | — | | | — | | | (934) | | | 6,445 | | | Total real estate construction and land development | 8,381 | | | — | | | — | | | (1,078) | | | 7,303 | | | Consumer | 2,320 | | | (89) | | | 29 | | | 78 | | | 2,338 | | | Total | $ | 60,551 | | | $ | (269) | | | $ | 35 | | | $ | (844) | | | $ | 59,473 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended June 30, 2026 | | Beginning Balance | | Merger day 1 ACL on PCD loans | | Merger day 1 ACL on PSL loans | | Charge-offs | | Recoveries | | Provision for (Reversal of) Credit Losses | | Ending Balance | | (Dollars in thousands) | | Commercial business: | | | | | | | | | | | | | | | Commercial and industrial | $ | 9,302 | | | $ | 22 | | | $ | 3,760 | | | $ | (580) | | | $ | 8 | | | $ | (362) | | | $ | 12,150 | | | Owner-occupied CRE | 13,097 | | | 27 | | | 1,414 | | | — | | | — | | | (101) | | | 14,437 | | | Non-owner occupied CRE | 17,013 | | | 125 | | | 2,916 | | | — | | | — | | | (78) | | | 19,976 | | | Total commercial business | 39,412 | | | 174 | | | 8,090 | | | (580) | | | 8 | | | (541) | | | 46,563 | | Residential real estate | 3,708 | | | — | | | 97 | | | (64) | | | 2 | | | (474) | | | 3,269 | | | Real estate construction and land development: | | Residential | 1,037 | | | — | | | 108 | | | — | | | — | | | (287) | | | 858 | | Commercial and multifamily | 6,587 | | | — | | | 374 | | | — | | | — | | | (516) | | | 6,445 | | | Total real estate construction and land development | 7,624 | | | — | | | 482 | | | — | | | — | | | (803) | | | 7,303 | | | Consumer | 1,840 | | | — | | | 496 | | | (208) | | | 56 | | | 154 | | | 2,338 | | | Total | $ | 52,584 | | | $ | 174 | | | $ | 9,165 | | | $ | (852) | | | $ | 66 | | | $ | (1,664) | | | $ | 59,473 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2025 | | Beginning Balance | | Charge-offs | | Recoveries | | Provision for (Reversal of) Credit Losses | | Ending Balance | | (Dollars in thousands) | | Commercial business: | | | | | | | | | | | Commercial and industrial | $ | 9,343 | | | $ | (454) | | | $ | 18 | | | $ | 478 | | | $ | 9,385 | | | Owner-occupied CRE | 13,309 | | | — | | | — | | | 125 | | | 13,434 | | | Non-owner occupied CRE | 15,630 | | | — | | | — | | | (96) | | | 15,534 | | | Total commercial business | 38,282 | | | (454) | | | 18 | | | 507 | | | 38,353 | | | Residential real estate | 4,045 | | | — | | | — | | | (103) | | | 3,942 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2025 | | Beginning Balance | | Charge-offs | | Recoveries | | Provision for (Reversal of) Credit Losses | | Ending Balance | | (Dollars in thousands) | | Real estate construction and land development: | | Residential | 728 | | | — | | | — | | | 140 | | | 868 | | Commercial and multifamily | 7,216 | | | — | | | — | | | 232 | | | 7,448 | | | Total real estate construction and land development | 7,944 | | | — | | | — | | | 372 | | | 8,316 | | | Consumer | 1,889 | | | (104) | | | 46 | | | 87 | | | 1,918 | | | Total | $ | 52,160 | | | $ | (558) | | | $ | 64 | | | $ | 863 | | | $ | 52,529 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended June 30, 2025 | | Beginning Balance | | Charge-offs | | Recoveries | | Provision for (Reversal of) Credit Losses | | Ending Balance | | (Dollars in thousands) | | Commercial business: | | | | | | | | | | | Commercial and industrial | $ | 9,766 | | | $ | (676) | | | $ | 44 | | | $ | 251 | | | $ | 9,385 | | | Owner-occupied CRE | 12,819 | | | — | | | — | | | 615 | | | 13,434 | | | Non-owner occupied CRE | 15,708 | | | — | | | — | | | (174) | | | 15,534 | | | Total commercial business | 38,293 | | | (676) | | | 44 | | | 692 | | | 38,353 | | | Residential real estate | 3,464 | | | — | | | — | | | 478 | | | 3,942 | | | Real estate construction and land development: | Residential | 779 | | | — | | | — | | | 89 | | | 868 | | Commercial and multifamily | 7,877 | | | — | | | — | | | (429) | | | 7,448 | | | Total real estate construction and land development | 8,656 | | | — | | | — | | | (340) | | | 8,316 | | | Consumer | 2,055 | | | (258) | | | 97 | | | 24 | | | 1,918 | | | Total | $ | 52,468 | | | $ | (934) | | | $ | 141 | | | $ | 854 | | | $ | 52,529 | |
The following table details the activity in the ACL on unfunded commitments during the periods indicated: | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended
June 30, | | Six Months Ended
June 30, | | 2026 | | 2025 | | 2026 | | 2025 | | (Dollars in thousands) | | Balance, beginning of period | $ | 1,185 | | | $ | 647 | | | $ | 1,047 | | | $ | 587 | | | Acquired provision for credit losses on unfunded commitments | — | | | — | | | 348 | | | — | | | (Reversal of) provision for credit losses on unfunded commitments | (77) | | | 93 | | | (287) | | | 153 | | | Balance, end of period | $ | 1,108 | | | $ | 740 | | | $ | 1,108 | | | $ | 740 | |
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