| 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 | |
|