The following table presents a summary of the Bank’s commitments and contingent liabilities:


(in thousands)	June 30, 2026		December 31, 2025
Financial instruments whose amounts represent risk:
Commitments to extend credit:
Commercial loans	$	900,124	$	814,732
Consumer loans	613,568		598,264
Real estate mortgage loans	413,215		432,608
Real estate construction loans	287,914		334,130
Standby letters of credit	36,817		38,986
Deposit account overdraft privilege	126,515		125,317

In April 2024, Visa Inc. announced the commencement of an exchange offer for Visa Class B-1 common stock and the Company subsequently tendered all of its Visa Class B-1 common stock in exchange for a combination of Visa Class B-2 common stock and Visa Class C common stock. Visa Class B-2 common stock continues to be carried at zero. The Bank owns 6,698 shares of Class B-2 common stock of Visa Inc. which may be convertible into Class A common stock at a conversion ratio of 1.5014 per Class B-2 share. As of June 30,

2026, the value of the Class A shares was $343.09 per share. Utilizing the conversion ratio, the value of unredeemed Class A equivalent shares owned by the Bank was $3.5 million as of June 30, 2026, and has not been reflected in the accompanying consolidated financial statements.