For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:


	Allowance for credit losses – Three months ended June 30, 2026
(in thousands)	Beginning Balance		Charge-offs		Recoveries		Provision (benefit)		Ending Balance
Commercial real estate:
CRE non-owner occupied	$	41,647	$	—	$	—	$	536	$	42,183
CRE owner occupied	16,286		—		1		(239)		16,048
Multifamily	16,384		—		—		304		16,688
Farmland	5,593		—		—		(852)		4,741
Total commercial real estate loans	79,910		—		1		(251)		79,660
Consumer:
SFR 1-4 1st DT liens	9,929		—		—		522		10,451
SFR HELOCs and junior liens	12,297		(75)		42		608		12,872
Other	1,560		(233)		49		270		1,646
Total consumer loans	23,786		(308)		91		1,400		24,969
Commercial and industrial	12,435		(147)		26		1,173		13,487
Construction	8,239		—		—		212		8,451
Agriculture production	3,548		—		—		54		3,602
Leases	21		—		—		(3)		18
Allowance for credit losses on loans	127,939		(455)		118		2,585		130,187
Reserve for unfunded commitments	8,100		—		—		70		8,170
Total	$	136,039	$	(455)	$	118	$	2,655	$	138,357


	Allowance for credit losses – Six months ended June 30, 2026
(in thousands)	Beginning Balance		Charge-offs		Recoveries		Provision (benefit)		Ending Balance
Commercial real estate:
CRE non-owner occupied	$	40,300	$	—	$	1	$	1,882	$	42,183
CRE owner occupied	12,712		—		1		3,335		16,048
Multifamily	17,327		—		—		(639)		16,688
Farmland	5,193		—		—		(452)		4,741
Total commercial real estate loans	75,532		—		2		4,126		79,660
Consumer:
SFR 1-4 1st DT liens	11,045		—		—		(594)		10,451
SFR HELOCs and junior liens	13,264		(75)		49		(366)		12,872
Other	1,974		(454)		101		25		1,646
Total consumer loans	26,283		(529)		150		(935)		24,969
Commercial and industrial	11,430		(768)		74		2,751		13,487
Construction	8,231		(70)		—		290		8,451
Agriculture production	4,265		—		11		(674)		3,602
Leases	21		—		—		(3)		18
Allowance for credit losses on loans	125,762		(1,367)		237		5,555		130,187
Reserve for unfunded commitments	7,745		—		—		425		8,170
Total	$	133,507	$	(1,367)	$	237	$	5,980	$	138,357

The Company consistently seeks to refine its estimation methodology for determining the allowance for credit losses, the effects of which were insignificant during the current period, and are expected to be insignificant in future periods. Management continues to estimate the appropriate level of reserves using all relevant information, from both internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Management believes the primary risks inherent in the portfolio are a general decline in the economy or GDP, a decline in real estate market values, rising unemployment, increasing vacancy rates, and increases inflation or interest rates in the absence of economic improvement or any other such factors. Any one or a combination of these events may adversely affect a borrower's ability to repay its loan, resulting in increased delinquencies and loan losses. Although Management believes the Company has established and maintained the ACL on loans at appropriate levels, changes in reserves may be necessary if actual economic and other conditions differ substantially from the forecast used in estimating the ACL.


	Allowance for credit losses – Year ended December 31, 2025
(in thousands)	Beginning Balance		Charge-offs		Recoveries		Provision (benefit)		Ending Balance
Commercial real estate:
CRE non-owner occupied	$	37,229	$	—	$	2	$	3,069	$	40,300
CRE owner occupied	15,747		—		1		(3,036)		12,712
Multifamily	15,913		—		—		1,414		17,327
Farmland	3,960		(1,053)		—		2,286		5,193
Total commercial real estate loans	72,849		(1,053)		3		3,733		75,532
Consumer:
SFR 1-4 1st DT liens	14,227		—		6		(3,188)		11,045
SFR HELOCs and junior liens	10,411		—		26		2,827		13,264
Other	2,825		(649)		138		(340)		1,974
Total consumer loans	27,463		(649)		170		(701)		26,283
Commercial and industrial	14,397		(9,338)		291		6,080		11,430
Construction	7,224		—		—		1,007		8,231
Agriculture production	3,403		(11)		665		208		4,265
Leases	30		—		—		(9)		21
Allowance for credit losses on loans	125,366		(11,051)		1,129		10,318		125,762
Reserve for unfunded commitments	6,000		—		—		1,745		7,745
Total	$	131,366	$	(11,051)	$	1,129	$	12,063	$	133,507


	Allowance for credit losses – Three months ended June 30, 2025
(in thousands)	Beginning Balance		Charge-offs		Recoveries		Provision (benefit)		Ending Balance
Commercial real estate:
CRE non-owner occupied	$	39,670	$	—	$	—	$	1,251	$	40,921
CRE owner occupied	12,169		—		1		(592)		11,578
Multifamily	15,604		—		—		(507)		15,097
Farmland	4,737		—		—		2,151		6,888
Total commercial real estate loans	72,180		—		1		2,303		74,484
Consumer:
SFR 1-4 1st DT liens	10,995		—		—		140		11,135
SFR HELOCs and junior liens	11,650		—		4		367		12,021
Other	2,895		(200)		36		(569)		2,162
Total consumer loans	25,540		(200)		40		(62)		25,318
Commercial and industrial	17,561		(8,384)		60		787		10,024
Construction	10,346		—		—		649		10,995
Agriculture production	2,768		(11)		1		851		3,609
Leases	28		—		—		(3)		25
Allowance for credit losses on loans	128,423		(8,595)		102		4,525		124,455
Reserve for unfunded commitments	7,065		—		—		140		7,205
Total	$	135,488	$	(8,595)	$	102	$	4,665	$	131,660


	Allowance for credit losses – Six months ended June 30, 2025
(in thousands)	Beginning Balance		Charge-offs		Recoveries		Provision (benefit)		Ending Balance
Commercial real estate:
CRE non-owner occupied	$	37,229	$	—	$	—	$	3,692	$	40,921
CRE owner occupied	15,747		—		1		(4,170)		11,578
Multifamily	15,913		—		—		(816)		15,097
Farmland	3,960		—		—		2,928		6,888
Total commercial real estate loans	72,849		—		1		1,634		74,484
Consumer:
SFR 1-4 1st DT liens	14,227		—		—		(3,092)		11,135
SFR HELOCs and junior liens	10,411		—		16		1,594		12,021
Other	2,825		(317)		73		(419)		2,162
Total consumer loans	27,463		(317)		89		(1,917)		25,318
Commercial and industrial	14,397		(8,641)		166		4,102		10,024
Construction	7,224		—		—		3,771		10,995
Agriculture production	3,403		(11)		614		(397)		3,609
Leases	30		—		—		(5)		25
Allowance for credit losses on loans	125,366		(8,969)		870		7,188		124,455
Reserve for unfunded commitments	6,000		—		—		1,205		7,205
Total	$	131,366	$	(8,969)	$	870	$	8,393	$	131,660

As part of the on-going monitoring of the credit quality of the Company’s loan portfolio, management tracks certain credit quality indicators including, but not limited to, trends relating to (i) the level of criticized and classified loans, (ii) net charge-offs, (iii) non-performing loans, and (iv) delinquency within the portfolio. The Company analyzes loans individually to classify the loans as to credit risk and grading. This analysis is performed annually for all outstanding balances greater than $1 million and non-homogeneous loans, such as commercial real estate loans, unless other indicators, such as delinquency, trigger more frequent evaluation. Loans below the $1 million threshold and homogenous in nature are evaluated as needed for proper grading based on delinquency and borrower credit scores.

•Pass – This grade represents loans ranging from acceptable to very little or no credit risk. These loans typically meet most if not all policy standards in regard to: loan amount as a percentage of collateral value, debt service coverage, profitability, leverage, and working capital.

•Special Mention – This grade represents “Other Assets Especially Mentioned” in accordance with regulatory guidelines and includes loans that display some potential weaknesses which, if left unaddressed, may result in deterioration of the repayment prospects for the asset or may inadequately protect the Company’s position in the future. These loans warrant more than normal supervision and attention.

•Substandard – This grade represents “Substandard” loans in accordance with regulatory guidelines. Loans within this rating typically exhibit weaknesses that are well defined to the point that repayment is jeopardized. Loss potential is, however, not necessarily evident. The underlying collateral supporting the credit appears to have sufficient value to protect the Company from loss of principal and accrued interest, or the loan has been written down to the point where this is true. There is a definite need for a well-defined workout/rehabilitation program.

•Doubtful – This grade represents “Doubtful” loans in accordance with regulatory guidelines. An asset classified as Doubtful has all the weaknesses inherent in a loan classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and financing plans.

•Loss – This grade represents “Loss” loans in accordance with regulatory guidelines. A loan classified as Loss is considered uncollectible and of such little value that its continuance as a bankable asset is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off the loan, even though some recovery may be affected in the future. The portion of the loan that is graded loss should be charged off no later than the end of the quarter in which the loss is identified.


	Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2026												Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
(in thousands)	2026		2025		2024		2023		2022		Prior
Commercial real estate:
CRE non-owner occupied risk ratings
Pass	$	220,458	$	257,387	$	164,810	$	143,291	$	407,079	$	1,205,929	$	117,356	$	—	$	2,516,310
Special Mention	—		—		810		14,351		4,393		23,253		125		—		42,932
Substandard	—		—		975		—		1,601		11,839		1,941		—		16,356
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	220,458	$	257,387	$	166,595	$	157,642	$	413,073	$	1,241,021	$	119,422	$	—	$	2,575,598
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—




Commercial real estate:
CRE owner occupied risk ratings
Pass	$	53,932	$	145,757	$	75,765	$	73,791	$	169,048	$	423,276	$	48,947	$	—	$	990,516
Special Mention	—		5,717		133		1,006		3,573		6,191		5,187		—		21,807
Substandard	—		2,850		—		—		7,000		18,920		405		—		29,175
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	53,932	$	154,324	$	75,898	$	74,797	$	179,621	$	448,387	$	54,539	$	—	$	1,041,498
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2026												Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
(in thousands)	2026		2025		2024		2023		2022		Prior
Commercial real estate:
Multifamily risk ratings
Pass	$	57,809	$	92,107	$	73,048	$	55,068	$	214,692	$	598,034	$	48,262	$	—	$	1,139,020
Special Mention	—		—		—		—		—		1,253		—		—		1,253
Substandard	—		—		—		—		3,441		13,134		—		—		16,575
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	57,809	$	92,107	$	73,048	$	55,068	$	218,133	$	612,421	$	48,262	$	—	$	1,156,848
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Commercial real estate:
Farmland risk ratings
Pass	$	9,475	$	8,794	$	22,596	$	18,120	$	33,164	$	49,859	$	35,587	$	—	$	177,595
Special Mention	—		615		—		—		1,937		3,566		494		—		6,612
Substandard	—		—		—		808		9,150		34,190		11,581		—		55,729
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	9,475	$	9,409	$	22,596	$	18,928	$	44,251	$	87,615	$	47,662	$	—	$	239,936
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass	$	57,470	$	73,580	$	40,232	$	74,518	$	147,267	$	409,170	$	—	$	7,216	$	809,453
Special Mention	—		—		1,084		—		2,317		3,988		—		180		7,569
Substandard	—		—		—		219		272		8,845		—		454		9,790
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	57,470	$	73,580	$	41,316	$	74,737	$	149,856	$	422,003	$	—	$	7,850	$	826,812
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass	$	2,401	$	1,771	$	—	$	—	$	—	$	45	$	409,157	$	7,005	$	420,379
Special Mention	—		—		—		—		—		—		3,673		74		3,747
Substandard	—		—		—		—		—		—		5,234		272		5,506
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	2,401	$	1,771	$	—	$	—	$	—	$	45	$	418,064	$	7,351	$	429,632
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	75	$	—	$	75




Consumer loans:
Other risk ratings
Pass	$	2,166	$	1,143	$	3,977	$	11,417	$	3,243	$	8,890	$	492	$	—	$	31,328
Special Mention	—		85		250		64		—		56		19		—		474
Substandard	—		—		3		247		48		427		2		—		727
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	2,166	$	1,228	$	4,230	$	11,728	$	3,291	$	9,373	$	513	$	—	$	32,529
Year-to-date gross charge-offs	$	111	$	119	$	23	$	126	$	19	$	45	$	11	$	—	$	454


	Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2026												Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
(in thousands)	2026		2025		2024		2023		2022		Prior
Commercial and industrial loans:
Commercial and industrial risk ratings
Pass	$	75,075	$	96,857	$	42,542	$	30,432	$	44,253	$	56,919	$	196,897	$	26	$	543,001
Special Mention	192		375		175		3,160		634		87		5,681		—		10,304
Substandard	—		—		369		85		756		2,820		2,483		68		6,581
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	75,267	$	97,232	$	43,086	$	33,677	$	45,643	$	59,826	$	205,061	$	94	$	559,886
Year-to-date gross charge-offs	$	99	$	161	$	—	$	19	$	—	$	34	$	431	$	24	$	768


Construction loans:
Construction risk ratings
Pass	$	48,333	$	84,554	$	104,880	$	33,454	$	7,985	$	18,340	$	—	$	—	$	297,546
Special Mention	368		368		—		—		—		—		—		—		736
Substandard	—		—		—		—		—		106		—		—		106
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	48,701	$	84,922	$	104,880	$	33,454	$	7,985	$	18,446	$	—	$	—	$	298,388
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	70	$	—	$	—	$	70


Agriculture production loans:
Agriculture production risk ratings
Pass	$	5,517	$	2,115	$	682	$	834	$	671	$	6,494	$	105,453	$	—	$	121,766
Special Mention	—		—		—		—		—		—		24,166		—		24,166
Substandard	—		—		—		—		99		159		—		—		258
Doubtful/Loss	—		—		—		—		—		—		—				—
Total	$	5,517	$	2,115	$	682	$	834	$	770	$	6,653	$	129,619	$	—	$	146,190
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Leases:
Lease risk ratings
Pass	$	3,773	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	3,773
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	3,773	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	3,773
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—




Total loans outstanding:
Risk ratings
Pass	$	536,409	$	764,065	$	528,532	$	440,925	$	1,027,402	$	2,776,956	$	962,151	$	14,247	$	7,050,687
Special Mention	560		7,160		2,452		18,581		12,854		38,394		39,345		254		119,600
Substandard	—		2,850		1,347		1,359		22,367		90,440		21,646		794		140,803
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	536,969	$	774,075	$	532,331	$	460,865	$	1,062,623	$	2,905,790	$	1,023,142	$	15,295	$	7,311,090
Year-to-date gross charge-offs	$	210	$	280	$	23	$	145	$	19	$	149	$	517	$	24	$	1,367


	Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2025												Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
(in thousands)	2025		2024		2023		2022		2021		Prior
Commercial real estate:
CRE non-owner occupied risk ratings
Pass	$	262,241	$	188,789	$	162,739	$	417,564	$	276,975	$	1,007,772	$	140,006	$	—	$	2,456,086
Special Mention	—		818		12,692		1,634		4,566		3,182		105		—		22,997
Substandard	—		—		—		1,728		—		15,038		—		—		16,766
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	262,241	$	189,607	$	175,431	$	420,926	$	281,541	$	1,025,992	$	140,111	$	—	$	2,495,849
Period end gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Commercial real estate:
CRE owner occupied risk ratings
Pass	$	147,249	$	79,772	$	76,729	$	177,644	$	168,858	$	301,503	$	33,540	$	—	$	985,295
Special Mention	8,636		135		361		1,045		237		5,148		5,184		—		20,746
Substandard	—		—		—		7,244		3,176		4,140		169		—		14,729
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	155,885	$	79,907	$	77,090	$	185,933	$	172,271	$	310,791	$	38,893	$	—	$	1,020,770
Period end gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Commercial real estate:
Multifamily risk ratings
Pass	$	92,061	$	68,472	$	27,502	$	185,703	$	288,556	$	358,396	$	48,246	$	—	$	1,068,936
Special Mention	—		—		—		3,044		443		202		—		—		3,689
Substandard	—		—		—		435		—		12,638		—		—		13,073
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	92,061	$	68,472	$	27,502	$	189,182	$	288,999	$	371,236	$	48,246	$	—	$	1,085,698
Period end gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Commercial real estate:
Farmland risk ratings
Pass	$	8,901	$	23,038	$	18,261	$	34,581	$	14,831	$	49,450	$	35,723	$	—	$	184,785
Special Mention	624		—		—		1,937		2,618		2,462		1,978		—		9,619
Substandard	—		—		816		9,414		20,263		13,252		13,296		—		57,041
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	9,525	$	23,038	$	19,077	$	45,932	$	37,712	$	65,164	$	50,997	$	—	$	251,445
Period end gross write-offs	$	—	$	—	$	—	$	—	$	509	$	—	$	544	$	—	$	1,053


Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass	$	81,083	$	45,517	$	87,492	$	159,382	$	218,999	$	225,410	$	—	$	5,688	$	823,571
Special Mention	—		1,091		—		581		4,642		1,918		—		406		8,638
Substandard	—		—		219		284		3,313		5,618		—		526		9,960
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	81,083	$	46,608	$	87,711	$	160,247	$	226,954	$	232,946	$	—	$	6,620	$	842,169
Period end gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2025												Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
(in thousands)	2025		2024		2023		2022		2021		Prior
Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass	$	2,116	$	—	$	—	$	—	$	—	$	53	$	408,407	$	5,407	$	415,983
Special Mention	—		—		—		—		—		—		9,482		377		9,859
Substandard	—		—		—		—		—		—		5,604		326		5,930
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	2,116	$	—	$	—	$	—	$	—	$	53	$	423,493	$	6,110	$	431,772
Period end gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Consumer loans:
Other risk ratings
Pass	$	4,222	$	4,795	$	13,717	$	4,010	$	4,094	$	7,489	$	540	$	—	$	38,867
Special Mention	77		12		202		1		251		153		43		—		739
Substandard	—		69		256		303		190		242		3		—		1,063
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	4,299	$	4,876	$	14,175	$	4,314	$	4,535	$	7,884	$	586	$	—	$	40,669
Period end gross write-offs	$	481	$	65	$	15	$	—	$	—	$	69	$	19	$	—	$	649


Commercial and industrial loans:
Commercial and industrial risk ratings
Pass	$	122,819	$	44,904	$	35,360	$	52,018	$	16,922	$	6,046	$	170,194	$	73	$	448,336
Special Mention	50		234		2,810		707		—		37		5,330		—		9,168
Substandard	—		310		96		618		2,816		342		2,695		47		6,924
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	122,869	$	45,448	$	38,266	$	53,343	$	19,738	$	6,425	$	178,219	$	120	$	464,428
Period end gross write-offs	$	510	$	95	$	—	$	—	$	58	$	—	$	8,675	$	—	$	9,338


Construction loans:
Construction risk ratings
Pass	$	45,182	$	84,196	$	104,482	$	44,172	$	7,021	$	13,108	$	—	$	—	$	298,161
Special Mention	372		—		1,862		—		—		—		—		—		2,234
Substandard	—		—		—		—		529		121		—		—		650
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	45,554	$	84,196	$	106,344	$	44,172	$	7,550	$	13,229	$	—	$	—	$	301,045
Period end gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Agriculture production loans:
Agriculture production risk ratings
Pass	$	1,816	$	727	$	1,029	$	1,409	$	393	$	7,282	$	137,121	$	—	$	149,777
Special Mention	—		—		—		—		—		—		22,079		—		22,079
Substandard	—		—		—		114		237		135		152		—		638
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	1,816	$	727	$	1,029	$	1,523	$	630	$	7,417	$	159,352	$	—	$	172,494
Period end gross write-offs	$	—	$	—	$	—	$	—	$	—	$	11	$	—	$	—	$	11


	Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2025												Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
(in thousands)	2025		2024		2023		2022		2021		Prior
Leases:
Lease risk ratings
Pass	$	4,748	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	4,748
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	4,748	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	4,748
Period end gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Total loans outstanding:
Risk ratings
Pass	$	772,438	$	540,210	$	527,311	$	1,076,483	$	996,649	$	1,976,509	$	973,777	$	11,168	$	6,874,545
Special Mention	9,759		2,290		17,927		8,949		12,757		13,102		44,201		783		109,768
Substandard	—		379		1,387		20,140		30,524		51,526		21,919		899		126,774
Doubtful/Loss	—		—		—		—		—		—		—		—		—
Total	$	782,197	$	542,879	$	546,625	$	1,105,572	$	1,039,930	$	2,041,137	$	1,039,897	$	12,850	$	7,111,087
Period end gross write-offs	$	991	$	160	$	15	$	—	$	567	$	80	$	9,238	$	—	$	11,051


	Analysis of Past Due Loans - As of June 30, 2026
(in thousands)	30-59 days		60-89 days		> 90 days		Total Past Due Loans		Current		Total
Commercial real estate:
CRE non-owner occupied	$	740	$	338	$	2,716	$	3,794	$	2,571,804	$	2,575,598
CRE owner occupied	736		593		4,949		6,278		1,035,220		1,041,498
Multifamily	396		13,068		926		14,390		1,142,458		1,156,848
Farmland	461		—		6,152		6,613		233,323		239,936
Total commercial real estate loans	2,333		13,999		14,743		31,075		4,982,805		5,013,880
Consumer:
SFR 1-4 1st DT liens	2,054		2,454		2,358		6,866		819,946		826,812
SFR HELOCs and junior liens	4,139		594		1,638		6,371		423,261		429,632
Other	433		6		206		645		31,884		32,529
Total consumer loans	6,626		3,054		4,202		13,882		1,275,091		1,288,973
Commercial and industrial	903		564		2,931		4,398		555,488		559,886
Construction	—		—		—		—		298,388		298,388
Agriculture production	—		—		—		—		146,190		146,190
Leases	—		14		242		256		3,517		3,773
Total	$	9,862	$	17,631	$	22,118	$	49,611	$	7,261,479	$	7,311,090


	Analysis of Past Due Loans - As of December 31, 2025
(in thousands)	30-59 days		60-89 days		> 90 days		Total Past Due Loans		Current		Total
Commercial real estate:
CRE non-owner occupied	$	1,599	$	1,728	$	3,692	$	7,019	$	2,488,830	$	2,495,849
CRE owner occupied	3,261		—		2,189		5,450		1,015,320		1,020,770
Multifamily	687		147		—		834		1,084,864		1,085,698
Farmland	—		—		10,937		10,937		240,508		251,445
Total commercial real estate loans	5,547		1,875		16,818		24,240		4,829,522		4,853,762
Consumer:
SFR 1-4 1st DT liens	832		1,968		1,697		4,497		837,672		842,169
SFR HELOCs and junior liens	516		1,305		1,843		3,664		428,108		431,772
Other	183		19		387		589		40,080		40,669
Total consumer loans	1,531		3,292		3,927		8,750		1,305,860		1,314,610
Commercial and industrial	1,619		522		1,629		3,770		460,658		464,428
Construction	—		—		603		603		300,442		301,045
Agriculture production	—		88		480		568		171,926		172,494
Leases	—		—		—		—		4,748		4,748
Total	$	8,697	$	5,777	$	23,457	$	37,931	$	7,073,156	$	7,111,087


	Non Accrual Loans
	As of June 30, 2026						As of December 31, 2025
(in thousands)	Non accrual with no allowance for credit losses		Total non accrual		Past due 90 days or more and still accruing		Non accrual with no allowance for credit losses		Total non accrual		Past due 90 days or more and still accruing
Commercial real estate:
CRE non-owner occupied	$	8,180	$	8,180	$	—	$	7,089	$	7,089	$	—
CRE owner occupied	10,912		18,094		—		7,733		7,733		—
Multifamily	926		926		—		435		435		—
Farmland	20,669		25,261		—		26,840		31,615		—
Total commercial real estate loans	40,687		52,461		—		42,097		46,872		—
Consumer:
SFR 1-4 1st DT liens	6,370		6,370		—		6,246		6,246		—
SFR HELOCs and junior liens	4,069		4,316		—		5,192		5,474		—
Other	268		540		—		80		459		—
Total consumer loans	10,707		11,226		—		11,518		12,179		—
Commercial and industrial	793		4,626		23		1,228		3,976		36
Construction	106		106		—		650		650		—
Agriculture production	99		159		—		435		460		45
Leases	—		242		—		—		—		—
Sub-total	52,392		68,820		23		55,928		64,137		81
Less: Guaranteed loans	(1,224)		(1,790)		—		(1,667)		(1,688)		—
Total, net	$	51,168	$	67,030	$	23	$	54,261	$	62,449	$	81

Interest income on non accrual loans that would have been recognized during the three months ended June 30, 2026 and 2025, if all such loans had been current in accordance with their original terms, totaled $1.3 million and $2.1 million, respectively. Interest income actually recognized on these originated loans during the three months ended June 30, 2026 and 2025 was $144.0 thousand and $339.0 thousand, respectively.


	As of June 30, 2026
(in thousands)	Retail		Office		Warehouse		Other		Multifamily		Farmland		SFR-1st Deed		SFR-2nd Deed		Automobile/Truck		A/R and Inventory		Equipment		Total
Commercial real estate:
CRE non-owner occupied	$	2,667	$	3,139	$	—	$	2,374	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	8,180
CRE owner occupied	15,015		1,368		—		1,711		—		—		—		—		—		—		—		18,094
Multifamily	—		—		—		—		926		—		—		—		—		—		—		926
Farmland	—		—		—		—		—		25,261		—		—		—		—		—		25,261
Total commercial real estate loans	17,682		4,507		—		4,085		926		25,261		—		—		—		—		—		52,461
Consumer:
SFR 1-4 1st DT liens	—		—		—		—		—		—		6,370		—		—		—		—		6,370
SFR HELOCs and junior liens	—		—		—		—		—		—		973		3,164		—		—		—		4,137
Other	—		—		—		—		—		—		—		—		544		—		—		544
Total consumer loans	—		—		—		—		—		—		7,343		3,164		544		—		—		11,051
Commercial and industrial	—		—		—		—		—		—		—		—		—		2,383		2,243		4,626
Construction	—		—		—		—		—		—		106		—		—		—		—		106
Agriculture production	—		—		—		51		—		—		—		—		—		20		88		159
Leases	—		—		—		—		—		—		—		—		—		—		—		—
Total	$	17,682	$	4,507	$	—	$	4,136	$	926	$	25,261	$	7,449	$	3,164	$	544	$	2,403	$	2,331	$	68,403


	As of December 31, 2025
(in thousands)	Retail		Office		Warehouse		Other		Multifamily		Farmland		SFR -1st Deed		SFR -2nd Deed		Automobile/Truck		A/R and Inventory		Equipment		Total
Commercial real estate:
CRE non-owner occupied	$	2,892	$	3,195	$	—	$	1,002	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	7,089
CRE owner occupied	4,564		1,432		—		1,737		—		—		—		—		—		—		—		7,733
Multifamily	—		—		—		—		435		—		—		—		—		—		—		435
Farmland	—		—		—		—		—		31,615		—		—		—		—		—		31,615
Total commercial real estate loans	7,456		4,627		—		2,739		435		31,615		—		—		—		—		—		46,872
Consumer:
SFR 1-4 1st DT liens	—		—		—		—		—		—		6,246		—		—		—		—		6,246
SFR HELOCs and junior liens	—		—		—		—		—		—		1,579		3,687		—		—		—		5,266
Other	—		—		—		—		—		—		—		—		456		—		—		456
Total consumer loans	—		—		—		—		—		—		7,825		3,687		456		—		—		11,968
Commercial and industrial	—		—		—		—		—		—		—		—		—		1,477		2,499		3,976
Construction	—		—		—		529		—		—		121		—		—		—		—		650
Agriculture production	—		—		—		153		—		—		—		—		—		25		282		460
Leases	—		—		—		—		—		—		—		—		—		—		—		—
Total	$	7,456	$	4,627	$	—	$	3,421	$	435	$	31,615	$	7,946	$	3,687	$	456	$	1,502	$	2,781	$	63,926

Modifications to borrowers experiencing financial difficulty may include interest rate reductions, principal or interest forgiveness, forbearance, term extensions, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral.

During the three and six months ended June 30, 2026 and June 30, 2025, respectively, there were no significant loan modifications made to borrowers experiencing financial difficulty. During the three and six months ended June 30, 2026 and June 30, 2025, respectively, there were no loans with payment defaults by borrowers experiencing financial difficulty which had material modifications in rate, term or principal forgiveness during the twelve months prior to default.