| Activity In The Allowance For Loan Losses |
The activity in the ACL for the three-month periods ended June 30, 2026 and June 30, 2025 is summarized in the following tables:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended
June 30, 2026 | | (In thousands) | Commercial,
financial and
agricultural | | Commercial
real estate | | Construction
real estate | | Residential
real estate | | Consumer | | Leases | | Total | | ACL: | | | | | | | | | | | | | | | Beginning balance | $ | 17,586 | | | $ | 25,872 | | | $ | 8,435 | | | $ | 30,688 | | | $ | 25,743 | | | $ | 266 | | | $ | 108,590 | | | Charge-offs | 1,442 | | | 17 | | | — | | | 80 | | | 2,931 | | | — | | | 4,470 | | | Recoveries | 240 | | | 17 | | | 1 | | | 134 | | | 1,599 | | | — | | | 1,991 | | | Net charge-offs/(recoveries) | $ | 1,202 | | | $ | — | | | $ | (1) | | | $ | (54) | | | $ | 1,332 | | | $ | — | | | $ | 2,479 | | | Provision for (recovery of) credit losses | 3,596 | | | 333 | | | (543) | | | (400) | | | 1,588 | | | 1 | | | 4,575 | | | Ending balance | $ | 19,980 | | | $ | 26,205 | | | $ | 7,893 | | | $ | 30,342 | | | $ | 25,999 | | | $ | 267 | | | $ | 110,686 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended
June 30, 2025 | | (In thousands) | Commercial,
financial and
agricultural | | Commercial
real estate | | Construction
real estate | | Residential
real estate | | Consumer | | Leases | | Total | | ACL: | | | | | | | | | | | | | | | Beginning balance | $ | 11,408 | | | $ | 19,838 | | | $ | 8,139 | | | $ | 22,749 | | | $ | 25,815 | | | $ | 181 | | | $ | 88,130 | | | Charge-offs | 272 | | | 68 | | | — | | | 100 | | | 3,519 | | | — | | | 3,959 | | | Recoveries | 187 | | | 784 | | | 7 | | | 55 | | | 1,728 | | | — | | | 2,761 | | | Net charge-offs/(recoveries) | $ | 85 | | | $ | (716) | | | $ | (7) | | | $ | 45 | | | $ | 1,791 | | | $ | — | | | $ | 1,198 | | | (Recovery of) provision for credit losses | (220) | | | (55) | | | (381) | | | 1,806 | | | 1,692 | | | 11 | | | 2,853 | | | Ending balance | $ | 11,103 | | | $ | 20,499 | | | $ | 7,765 | | | $ | 24,510 | | | $ | 25,716 | | | $ | 192 | | | $ | 89,785 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended
June 30, 2026 | | (In thousands) | Commercial,
financial and
agricultural | | Commercial
real estate | | Construction
real estate | | Residential
real estate | | Consumer | | Leases | | Total | | ACL: | | | | | | | | | | | | | | | Beginning balance | $ | 14,142 | | | $ | 18,177 | | | $ | 7,709 | | | $ | 27,344 | | | $ | 25,393 | | | $ | 208 | | | $ | 92,973 | | | Initial allowance-PCD loans | 411 | | | 630 | | | 580 | | | 180 | | | 2 | | | — | | | 1,803 | | | Initial allowance-PSL | 1,278 | | | 6,841 | | | 1,722 | | | 3,752 | | | 177 | | | — | | | 13,770 | | | Charge-offs | 2,041 | | | 37 | | | — | | | 199 | | | 6,633 | | | — | | | 8,910 | | | Recoveries | 586 | | | 23 | | | 8 | | | 173 | | | 3,013 | | | — | | | 3,803 | | | Net charge-offs/(recoveries) | $ | 1,455 | | | $ | 14 | | | $ | (8) | | | $ | 26 | | | $ | 3,620 | | | $ | — | | | $ | 5,107 | | | Provision for (recovery of) credit losses | 5,604 | | | 571 | | | (2,126) | | | (908) | | | 4,047 | | | 59 | | | 7,247 | | | Ending balance | $ | 19,980 | | | $ | 26,205 | | | $ | 7,893 | | | $ | 30,342 | | | $ | 25,999 | | | $ | 267 | | | $ | 110,686 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended
June 30, 2025 | | (In thousands) | Commercial,
financial and
agricultural | | Commercial
real estate | | Construction
real estate | | Residential
real estate | | Consumer | | Leases | | Total | | ACL: | | | | | | | | | | | | | | | Beginning balance | $ | 12,683 | | | $ | 19,571 | | | $ | 7,125 | | | $ | 22,355 | | | $ | 26,081 | | | $ | 151 | | | $ | 87,966 | | | Charge-offs | 573 | | | 68 | | | — | | | 125 | | | 6,798 | | | — | | | 7,564 | | | Recoveries | 524 | | | 798 | | | 1,111 | | | 100 | | | 3,241 | | | — | | | 5,774 | | | Net charge-offs/(recoveries) | $ | 49 | | | $ | (730) | | | $ | (1,111) | | | $ | 25 | | | $ | 3,557 | | | $ | — | | | $ | 1,790 | | | (Recovery of) provision for credit losses | (1,531) | | | 198 | | | (471) | | | 2,180 | | | 3,192 | | | 41 | | | 3,609 | | | Ending balance | $ | 11,103 | | | $ | 20,499 | | | $ | 7,765 | | | $ | 24,510 | | | $ | 25,716 | | | $ | 192 | | | $ | 89,785 | |
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