Allowance for Credit and Loan Losses (Tables)

6 Months Ended

Jun. 30, 2026

The following tables represent, by loan portfolio segment, a summary of changes in the ACL on loans for the three and six months ended June 30, 2026 and 2025:


	Three Months Ended June 30, 2026
	Commercial		Real Estate		Consumer		Total
Balance, beginning of period	$	34,997	$	3,183	$	13,117	$	51,297
Credit loss expense (recovery)	1,420		(180)		(11)		1,229
Charge-offs	(658)		(594)		(686)		(1,938)
Recoveries	363		549		421		1,333
Balance, end of period	$	36,122	$	2,958	$	12,841	$	51,921

	Six Months Ended June 30, 2026
	Commercial		Real Estate		Consumer		Total
Balance, beginning of period	$	35,473	$	3,183	$	12,643	$	51,299
Credit loss expense (reversal)	1,283		(178)		748		1,853
Charge–offs	(1,359)		(1,121)		(1,608)		(4,088)
Recoveries	725		1,074		1,058		2,857
Balance, end of period	$	36,122	$	2,958	$	12,841	$	51,921


	Three Months Ended June 30, 2025
	Commercial		Real Estate		Consumer		Total
Balance, beginning of period	$	32,640	$	3,167	$	16,847	$	52,654
Credit loss expense (recovery)	1,857		114		28		1,999
Charge-offs	(144)		(425)		(879)		(1,448)
Recoveries	60		373		761		1,194
Balance, end of period	$	34,413	$	3,229	$	16,757	$	54,399

	Six Months Ended June 30, 2025
	Commercial		Real Estate		Consumer		Total
Balance, beginning of period	$	30,953	$	2,715	$	18,312	$	51,980
Credit loss expense (reversal)	3,497		519		(474)		3,542
Charge–offs	(152)		(427)		(2,332)		(2,911)
Recoveries	115		422		1,251		1,788
Balance, end of period	$	34,413	$	3,229	$	16,757	$	54,399

Financial Instruments with Off-Balance Sheet Risk

The following tables represent, by loan portfolio segment, a summary of changes in the activity in the liability for commitments to extend credit and standby letters of credit (please see note 14):


	Three Months Ended
	June 30, 2026							June 30, 2025
		Balance, beginning of period		Credit loss expense (reversal)		Ending balance		Balance, beginning of period		Credit loss expense (reversal)		Ending balance
Commercial		$	915	$	(175)	$	740	$	1,132	$	411	$	1,543
Real Estate		78		(8)		70		72		27		99

Consumer		614		(130)		484		796		(127)		669
Total		$	1,607	$	(313)	$	1,294	$	2,000	$	311	$	2,311


		Six Months Ended
		June 30, 2026						June 30, 2025
		Balance, beginning of period		Credit loss expense (reversal)		Ending balance		Balance, beginning of period		Credit loss expense (reversal)		Ending balance
Commercial		$	1,068	$	(328)	$	740	$	1,385	$	158	$	1,543
Real Estate		92		(22)		70		61		38		99

Consumer		680		(196)		484		703		(34)		669
Total		$	1,840	$	(546)	$	1,294	$	2,149	$	162	$	2,311

The following table represents the commitments to extend credit and standby letters of credit as of June 30, 2026 and December 31, 2025, respectively:


	June 30, 2026		December 31, 2025
Commitments to extend credit	$	1,058,286	$	1,124,850
Standby letters of credit	18,762		22,274
Total	$	1,077,048	$	1,147,124