v3.26.1
Loans and Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2026
Loans and Leases Receivable Disclosure [Abstract]  
Outstanding Balances of Loan The following table provides outstanding balances related to each of our loan types:
 
June 30, 2026December 31, 2025
(dollars in thousands)
Commercial, financial, agricultural and other$2,071,387 $2,044,989 
Time and demand1,151,708 1,226,054 
Commercial credit cards12,135 11,408 
Equipment finance784,754 693,265 
Time and demand other122,790 114,262 
Real estate construction486,666 462,786 
Construction other456,253 415,536 
Construction residential30,413 47,250 
Residential real estate2,368,166 2,360,285 
Residential first lien1,605,497 1,631,019 
Residential junior lien/home equity762,669 729,266 
Commercial real estate3,083,774 3,182,109 
Multifamily636,826 594,790 
Non-owner occupied1,690,230 1,834,016 
Owner occupied756,718 753,303 
Loans to individuals1,457,236 1,457,870 
Automobile and recreational vehicles1,390,894 1,387,195 
Consumer credit cards8,819 9,496 
Consumer other57,523 61,179 
Total loans and leases$9,467,229 $9,508,039 
Credit Risk Profile by Creditworthiness
June 30, 2026
Non-Pass
PassOAEMSubstandardDoubtfulLossTotal Non-PassTotal
(dollars in thousands)
Commercial, financial, agricultural and other$1,941,594 $65,883 $63,910 $— $— $129,793 $2,071,387 
Time and demand1,034,354 61,798 55,556 — — 117,354 1,151,708 
Commercial credit cards12,135 — — — — — 12,135 
Equipment finance772,315 4,085 8,354 — — 12,439 784,754 
Time and demand other122,790 — — — — — 122,790 
Real estate construction486,119 427 120 — — 547 486,666 
Construction other455,706 427 120 — — 547 456,253 
Construction residential30,413 — — — — — 30,413 
Residential real estate2,350,590 2,098 15,478 — — 17,576 2,368,166 
Residential first lien1,592,791 2,098 10,608 — — 12,706 1,605,497 
Residential junior lien/home equity757,799 — 4,870 — — 4,870 762,669 
Commercial real estate2,945,202 69,682 68,890 — — 138,572 3,083,774 
Multifamily613,807 11,800 11,219 — — 23,019 636,826 
Non-owner occupied1,623,800 34,844 31,586 — — 66,430 1,690,230 
Owner occupied707,595 23,038 26,085 — — 49,123 756,718 
Loans to individuals1,457,227 — 9 — — 9 1,457,236 
Automobile and recreational vehicles1,390,887 — 7 — — 7 1,390,894 
Consumer credit cards8,819 — — — — — 8,819 
Consumer other57,521 — 2 — — 2 57,523 
Total loans and leases$9,180,732 $138,090 $148,407 $— $— $286,497 $9,467,229 
 
December 31, 2025
Non-Pass
PassOAEMSubstandardDoubtfulLossTotal Non-PassTotal
(dollars in thousands)
Commercial, financial, agricultural and other$1,924,977 $53,739 $65,381 $892 $— $120,012 $2,044,989 
Time and demand1,112,673 49,765 62,724 892 — 113,381 1,226,054 
Commercial credit cards11,408 — — — — — 11,408 
Equipment finance686,636 3,972 2,657 — — 6,629 693,265 
Time and demand other114,260 2 — — — 2 114,262 
Real estate construction460,716 463 1,607 — — 2,070 462,786 
Construction other413,466 463 1,607 — — 2,070 415,536 
Construction residential47,250 — — — — — 47,250 
Residential real estate2,342,701 4,402 13,182 — — 17,584 2,360,285 
Residential first lien1,618,090 4,402 8,527 — — 12,929 1,631,019 
Residential junior lien/home equity724,611 — 4,655 — — 4,655 729,266 
Commercial real estate3,054,645 69,182 58,282 — — 127,464 3,182,109 
Multifamily575,330 7,718 11,742 — — 19,460 594,790 
Non-owner occupied1,777,941 40,928 15,147 — — 56,075 1,834,016 
Owner occupied701,374 20,536 31,393 — — 51,929 753,303 
Loans to individuals1,457,836 — 34 — — 34 1,457,870 
Automobile and recreational vehicles1,387,163 — 32 — — 32 1,387,195 
Consumer credit cards9,496 — — — — — 9,496 
Consumer other61,177 — 2 — — 2 61,179 
Total loans and leases$9,240,875 $127,786 $138,486 $892 $— $267,164 $9,508,039 
Credit Risk Profile Vintage by Creditworthiness
The following table summarizes the loan risk rating category by loan type including term loans on an amortized cost basis by origination year:
June 30, 2026
Term LoansRevolving Loans
20262025202420232022PriorTotal
(dollars in thousands)
Time and demand$63,223 $120,098 $127,317 $82,220 $70,492 $102,248 $586,110 $1,151,708 
Pass63,223 111,528 108,090 77,991 63,702 83,349 526,471 1,034,354 
OAEM— 4,036 14,769 691 3,643 9,639 29,020 61,798 
Substandard— 4,534 4,458 3,538 3,147 9,260 30,619 55,556 
Gross charge-offs— (357)(883)(132)(662)(542)(5,484)(8,060)
Gross recoveries— — 13 — 82 153 171 419 
Commercial credit cards— — — — — — 12,135 12,135 
Pass— — — — — — 12,135 12,135 
Gross charge-offs— — — — — — (277)(277)
Gross recoveries— — — — — — 3 3 
Equipment finance197,710 337,961 162,411 69,917 16,755 — — 784,754 
Pass197,710 332,847 158,136 67,995 15,627 — — 772,315 
OAEM— 1,890 1,191 648 356 — — 4,085 
Substandard— 3,224 3,084 1,274 772 — — 8,354 
Gross charge-offs— (917)(1,277)(502)(196)— — (2,892)
Gross recoveries— 15 128 38 121 — — 302 
June 30, 2026
Term LoansRevolving Loans
20262025202420232022PriorTotal
(dollars in thousands)
Time and demand other15,076 8,329 10,321 14,644 5,625 59,419 9,376 122,790 
Pass15,076 8,329 10,321 14,644 5,625 59,419 9,376 122,790 
Gross charge-offs— — — — — — (1,049)(1,049)
Gross recoveries— — — — — — 108 108 
Construction other40,320 212,399 85,262 100,532 565 13,617 3,558 456,253 
Pass40,320 212,399 85,262 100,276 394 13,497 3,558 455,706 
OAEM— — — 256 171 — — 427 
Substandard— — — — — 120 — 120 
Gross charge-offs— — — — — (326)— (326)
Gross recoveries— — — — — — — — 
Construction residential6,311 16,484 2,574 1,729 2,499 813 3 30,413 
Pass6,311 16,484 2,574 1,729 2,499 813 3 30,413 
Gross charge-offs— — — — — — — — 
Gross recoveries— — — — — — — — 
Residential first lien49,415 84,414 52,110 143,465 324,993 948,640 2,460 1,605,497 
Pass49,390 84,405 51,291 140,664 321,932 942,709 2,400 1,592,791 
OAEM— — 586 — — 1,452 60 2,098 
Substandard25 9 233 2,801 3,061 4,479 — 10,608 
Gross charge-offs— — — (17)(311)(86)— (414)
Gross recoveries— — — — — 39 — 39 
Residential junior lien/home equity25,137 47,876 15,813 40,030 42,671 32,931 558,211 762,669 
Pass25,137 47,876 15,813 40,030 42,561 32,740 553,642 757,799 
Substandard— — — — 110 191 4,569 4,870 
Gross charge-offs— — — — — — (45)(45)
Gross recoveries— — — — — 9 25 34 
Multifamily33,703 32,778 56,186 121,450 166,172 224,897 1,640 636,826 
Pass33,703 32,778 52,887 120,185 153,426 219,188 1,640 613,807 
OAEM— — 3,299 1,265 1,537 5,699 — 11,800 
Substandard— — — — 11,209 10 — 11,219 
Gross charge-offs— — — — — — — — 
Gross recoveries— — — — — — — — 
Non-owner occupied91,658 187,836 91,723 191,022 367,243 748,653 12,095 1,690,230 
Pass91,658 187,836 91,525 190,015 352,557 698,179 12,030 1,623,800 
OAEM— — 198 — 12,109 22,537 — 34,844 
Substandard— — — 1,007 2,577 27,937 65 31,586 
Gross charge-offs— — — — — (3,568)— (3,568)
Gross recoveries— — — — — 9 — 9 
Owner occupied44,840 122,390 74,948 99,271 121,256 279,672 14,341 756,718 
Pass44,840 121,528 63,808 94,578 113,612 257,506 11,723 707,595 
OAEM— 573 6,467 2,159 3,065 9,555 1,219 23,038 
Substandard— 289 4,673 2,534 4,579 12,611 1,399 26,085 
Gross charge-offs— — (658)— (36)— (258)(952)
Gross recoveries— — — 28 172 44 — 244 
Automobile and recreational vehicles266,028 462,338 234,895 173,865 154,807 98,961 — 1,390,894 
Pass266,028 462,338 234,895 173,865 154,807 98,954 — 1,390,887 
Substandard— — — — — 7 — 7 
Gross charge-offs(22)(831)(1,014)(890)(757)(406)— (3,920)
Gross recoveries— 122 406 353 341 267 — 1,489 
June 30, 2026
Term LoansRevolving Loans
20262025202420232022PriorTotal
(dollars in thousands)
Consumer credit cards— — — — — — 8,819 8,819 
Pass— — — — — — 8,819 8,819 
Gross charge-offs— — — — — — (202)(202)
Gross recoveries— — — — — — 31 31 
Consumer other3,677 5,256 3,606 1,588 661 8,993 33,742 57,523 
Pass3,677 5,256 3,606 1,588 661 8,993 33,740 57,521 
Substandard— — — — — — 2 2 
Gross charge-offs— (81)(64)(38)(12)(63)(434)(692)
Gross recoveries— — 3 13 7 37 57 117 
Total loans and leases$837,098 $1,638,159 $917,166 $1,039,733 $1,273,739 $2,518,844 $1,242,490 $9,467,229 
Total charge-offs$(22)$(2,186)$(3,896)$(1,579)$(1,974)$(4,991)$(7,749)$(22,397)
Total recoveries$— $137 $550 $432 $723 $558 $395 $2,795 
Age Analysis of Past Due Loans by Segment
The following tables delineate the aging analysis of the recorded investments in past due loans as of June 30, 2026 and December 31, 2025. Also included in these tables are loans that are 90 days or more past due and still accruing because they are well-secured and in the process of collection.

June 30, 2026
30 - 59 days past due60 - 89 days past due90 days or greater and still accruingNonaccrualTotal past due and nonaccrualCurrentTotal
(dollars in thousands)
Commercial, financial, agricultural and other$4,085 $10,375 $1,675 $40,682 $56,817 $2,014,570 $2,071,387 
Time and demand1,425 9,164 1,675 38,004 50,268 1,101,440 1,151,708 
Commercial credit cards45 31 — — 76 12,059 12,135 
Equipment finance2,614 1,180 — 2,678 6,472 778,282 784,754 
Time and demand other1 — — — 1 122,789 122,790 
Real estate construction1,703 — — — 1,703 484,963 486,666 
Construction other918 — — — 918 455,335 456,253 
Construction residential785 — — — 785 29,628 30,413 
Residential real estate7,061 3,192 1,149 15,329 26,731 2,341,435 2,368,166 
Residential first lien3,786 2,017 982 10,459 17,244 1,588,253 1,605,497 
Residential junior lien/home equity3,275 1,175 167 4,870 9,487 753,182 762,669 
Commercial real estate7,849 1,389 — 25,622 34,860 3,048,914 3,083,774 
Multifamily— — — 10,846 10,846 625,980 636,826 
Non-owner occupied1,163 — — 6,389 7,552 1,682,678 1,690,230 
Owner occupied6,686 1,389 — 8,387 16,462 740,256 756,718 
Loans to individuals6,276 1,302 394 7 7,979 1,449,257 1,457,236 
Automobile and recreational vehicles5,906 1,082 213 5 7,206 1,383,688 1,390,894 
Consumer credit cards42 43 — — 85 8,734 8,819 
Consumer other328 177 181 2 688 56,835 57,523 
Total loans and leases$26,974 $16,258 $3,218 $81,640 $128,090 $9,339,139 $9,467,229 
 
December 31, 2025
30 - 59 days past due60 - 89 days past due90 days or greater and still accruingNonaccrualTotal past due and nonaccrual CurrentTotal
(dollars in thousands)
Commercial, financial, agricultural and other$5,127 $595 $217 $46,618 $52,557 $1,992,432 $2,044,989 
Time and demand2,666 125 107 45,288 48,186 1,177,868 1,226,054 
Commercial credit cards75 32 — — 107 11,301 11,408 
Equipment finance2,382 438 110 1,330 4,260 689,005 693,265 
Time and demand other4 — — — 4 114,258 114,262 
Real estate construction— — — 1,475 1,475 461,311 462,786 
Construction other— — — 1,475 1,475 414,061 415,536 
Construction residential— — — — — 47,250 47,250 
Residential real estate8,197 1,870 581 13,019 23,667 2,336,618 2,360,285 
Residential first lien5,054 1,456 317 8,364 15,191 1,615,828 1,631,019 
Residential junior lien/home equity3,143 414 264 4,655 8,476 720,790 729,266 
Commercial real estate1,975 10,070 — 30,612 42,657 3,139,452 3,182,109 
Multifamily417 — — 10 427 594,363 594,790 
Non-owner occupied534 10,070 — 14,156 24,760 1,809,256 1,834,016 
Owner occupied1,024 — — 16,446 17,470 735,833 753,303 
Loans to individuals6,733 1,225 490 32 8,480 1,449,390 1,457,870 
Automobile and recreational vehicles6,262 1,022 168 30 7,482 1,379,713 1,387,195 
Consumer credit cards50 35 — — 85 9,411 9,496 
Consumer other421 168 322 2 913 60,266 61,179 
Total loans and leases$22,032 $13,760 $1,288 $91,756 $128,836 $9,379,203 $9,508,039 
Recorded Investment and Unpaid Principal Balance for Impaired Loans with Associated Allowance
The following tables include the recorded investment and unpaid principal balance for nonperforming loans with the associated allowance amount, if applicable, as of June 30, 2026 and December 31, 2025. Also presented are the average recorded investment in nonperforming loans and the related amount of interest recognized while the loan was considered nonperforming. Average balances are calculated using month-end balances of the loans for the period reported and are included in the table below based on their period-end allowance position.
June 30, 2026December 31, 2025
Recorded
investment		Unpaid
principal
balance		Related specific
allowance		Recorded
investment		Unpaid
principal
balance		Related specific
allowance
(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other$23,411 $33,450 $22,422 $31,583 
Time and demand21,534 31,573 21,092 30,253 
Equipment finance1,877 1,877 1,330 1,330 
Time and demand other— — — — 
Real estate construction— — 1,475 1,475 
Construction other— — 1,475 1,475 
Construction residential— — — — 
Residential real estate13,357 14,934 11,874 13,678 
Residential first lien9,608 10,577 7,219 8,148 
Residential junior lien/home equity3,749 4,357 4,655 5,530 
Commercial real estate14,786 22,426 17,853 23,807 
Multifamily10 12 10 12 
Non-owner occupied6,389 11,993 8,799 12,879 
Owner occupied8,387 10,421 9,044 10,916 
Loans to individuals7 16 32 78 
Automobile and recreational vehicles5 14 30 62 
Consumer other2 2 2 16 
Subtotal51,561 70,826 53,656 70,621 
With a specific allowance recorded:
Commercial, financial, agricultural and other17,271 18,077 $8,122 24,196 34,249 $6,959 
Time and demand16,470 17,276 7,716 24,196 34,249 6,959 
Equipment finance801 801 406 — — — 
Time and demand other— — — — — — 
Real estate construction— — — — — — 
Construction other— — — — — — 
Construction residential— — — — — — 
Residential real estate1,972 2,308 107 1,145 1,160 162 
Residential first lien851 884 92 1,145 1,160 162 
Residential junior lien/home equity1,121 1,424 15 — — — 
Commercial real estate10,836 10,838 2,085 12,759 12,871 2,715 
Multifamily10,836 10,838 2,085 — — — 
Non-owner occupied— — — 5,357 5,357 2,280 
Owner occupied— — — 7,402 7,514 435 
Loans to individuals— — — — — — 
Automobile and recreational vehicles— — — — — — 
Consumer other— — — — — — 
Subtotal30,079 31,223 10,314 38,100 48,280 9,836 
Total$81,640 $102,049 $10,314 $91,756 $118,901 $9,836 
For the Six Months Ended June 30,
20262025
Average
recorded
investment		Interest
income
recognized		Average
recorded
investment		Interest
income
recognized
(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other$29,524 $12 $8,647 $78 
Time and demand27,628 12 7,851 78 
Equipment finance1,896 — 796 — 
Time and demand other— — — — 
Real estate construction492 — 1,681 106 
Construction other492 — 1,681 106 
Construction residential— — — — 
Residential real estate12,134 66 9,599 42 
Residential first lien8,480 64 6,759 29 
Residential junior lien/home equity3,654 2 2,840 13 
Commercial real estate22,404 444 21,013 228 
Multifamily10 — 177 — 
Non-owner occupied9,737 391 14,096 184 
Owner occupied12,657 53 6,740 44 
Loans to individuals17 1 262 1 
Automobile and recreational vehicles11 1 223 1 
Consumer other6 — 39 — 
Subtotal64,571 523 41,202 455 
With a specific allowance recorded:
Commercial, financial, agricultural and other13,743 — 18,899 — 
Time and demand13,474 — 18,848 — 
Equipment finance269 — 51 — 
Time and demand other— — — — 
Real estate construction— — 267 — 
Construction other— — 90 — 
Construction residential— — 177 — 
Residential real estate2,006 — 2,789 — 
Residential first lien868 — 1,191 — 
Residential junior lien/home equity1,138 — 1,598 — 
Commercial real estate7,393 — 6,600 — 
Multifamily7,393 — — — 
Non-owner occupied— — 2,920 — 
Owner occupied— — 3,680 — 
Loans to individuals— — — — 
Automobile and recreational vehicles— — — — 
Consumer other— — — — 
Subtotal23,142 — 28,555 — 
Total$87,713 $523 $69,757 $455 
For the Three Months Ended June 30,
20262025
Average
recorded
investment		Interest
income
recognized		Average
recorded
investment		Interest
Income
Recognized
(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other$25,396 $— $6,906 $— 
Time and demand23,492 — 6,153 — 
Equipment finance1,904 — 753 — 
Time and demand other— — — — 
Real estate construction— — 1,511 — 
Construction other— — 1,511 — 
Construction residential— — — — 
Residential real estate12,933 39 9,359 23 
Residential first lien9,146 37 6,556 10 
Residential junior lien/home equity3,787 2 2,803 13 
Commercial real estate17,857 436 13,021 44 
Multifamily10 — — — 
Non-owner occupied7,208 390 334 — 
Owner occupied10,639 46 12,687 44 
Loans to individuals8 1 254 1 
Automobile and recreational vehicles6 1 246 1 
Consumer other2 — 8 — 
Subtotal56,194 476 31,051 68 
With a specific allowance recorded:
Commercial, financial, agricultural and other15,812 — 32,311 — 
Time and demand15,273 — 32,210 — 
Equipment finance539 — 101 — 
Time and demand other— — — — 
Real estate construction— — 535 — 
Construction other— — 180 — 
Construction residential— — 355 — 
Residential real estate1,988 — 2,941 — 
Residential first lien859 — 1,343 — 
Residential junior lien/home equity1,129 — 1,598 — 
Commercial real estate10,886 — 9,084 — 
Multifamily10,886 — — — 
Non-owner occupied— — 3,184 — 
Owner occupied— — 5,900 — 
Loans to individuals— — — — 
Automobile and recreational vehicles— — — — 
Consumer other— — — — 
Subtotal28,686 — 44,871 — 
Total$84,880 $476 $75,922 $68 
Financing Receivable, Modified [Table Text Block]
The following tables present the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty:
For the Six Months Ended June 30, 2026
Rate ReductionTerm ExtensionPayment DeferralTerm Extension and Payment DeferralRate Reduction, Term Extension and Payment DeferralRate Reduction and Payment DeferralTotalPercentage of Total Loans and Leases
(dollars in thousands)
Commercial, financial, agricultural and other$— $— $— $988 $— $— $988 0.05 %
Time and demand— — — 988 — — 988 0.09 
Residential real estate— — — 83 — — 83 — 
Residential first lien— — — 83 — — 83 0.01 
Commercial real estate— 18,523 — — 12,840 — 31,363 1.02 
Multifamily— 10,836 — — — — 10,836 1.70 
Non-owner occupied— 7,687 — — 12,840 — 20,527 1.21 
Total$— $18,523 $— $1,071 $12,840 $— $32,434 0.34 %
For the Six Months Ended June 30, 2025
Rate ReductionTerm ExtensionPayment DeferralTerm Extension and Payment DeferralRate Reduction, Term Extension and Payment DeferralRate Reduction and Payment DeferralTotalPercentage of Total Loans and Leases
(dollars in thousands)
Commercial, financial, agricultural and other$— $— $31,880 $312 $— $— $32,192 1.65 %
Time and demand— — 31,880 — — — 31,880 2.54 
Equipment finance— — — 312 — — 312 0.05 
Residential real estate— — 25 720 — — 745 0.03 
Residential first lien— — — 698 — — 698 0.04 
Residential junior lien/home equity— — 25 22 — — 47 0.01 
Commercial real estate— — — — 3,201 — 3,201 0.10 
Non-owner occupied— — — — 3,201 — 3,201 0.16 
Total$— $— $31,905 $1,032 $3,201 $— $36,138 0.38 %
For the Three Months Ended June 30, 2026
Rate ReductionTerm ExtensionPayment DeferralTerm Extension and Payment DeferralTotalPercentage of Total Loans and Leases
(dollars in thousands)
Commercial, financial, agricultural and other$— $— $— $988 $988 0.05 %
Time and demand— — — 988 988 0.09 
Residential real estate— — — 83 83 — 
Residential first lien— — — 83 83 0.01 
Commercial real estate— 18,523 — — 18,523 0.60 
Multifamily— 10,836 — — 10,836 1.70 
Non-owner occupied— 7,687 — — 7,687 0.45 
Total$— $18,523 $— $1,071 $19,594 0.21 %
For the Three Months Ended June 30, 2025
Rate ReductionTerm ExtensionPayment DeferralTerm Extension and Payment DeferralTotalPercentage of Total Loans and Leases
(dollars in thousands)
Commercial, financial, agricultural and other$— $— $31,880 $312 $32,192 1.65 %
Time and demand— — 31,880 — 31,880 2.54 
Equipment finance— — — 312 312 0.05 
Residential real estate— — 25 140 165 0.01 
Residential first lien— — — 140 140 0.01 
Residential junior lien/home equity— — 25 — 25 — %
Total loans and leases$— $— $31,905 $452 $32,357 0.34 %
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty:
For the Six Months Ended June 30, 2026
Rate ReductionTerm Extension (Years)Principal ForgivenessPayment Deferral (Years)
(dollars in thousands)
Commercial, financial, agricultural and other2.50 %0.3$— 0.3
Time and demand2.50 0.3— 0.3
Residential real estate— 2.0— 1.6
Residential first lien— 2.0— 1.6
Commercial real estate— 0.7— 0.3
Multifamily— 0.4— 0.0
Non-owner occupied— 0.8— 0.3
Total2.50 %0.7$— 0.3
For the Six Months Ended June 30, 2025
Rate ReductionTerm Extension (Years)Principal ForgivenessPayment Deferral (Years)
(dollars in thousands)
Commercial, financial, agricultural and other— %1.7$— 0.5
Time and demand— 0.0— 0.5
Equipment finance— 1.7— 1.0
Residential real estate— 3.0— 1.2
Residential first lien— 3.0— 1.3
Residential junior lien/home equity— 2.1— 0.5
Commercial real estate4.00 0.4— 0.1
Non-owner occupied4.00 0.4— 0.1
Total4.00 %1.0$— 0.5
For the Three Months Ended June 30, 2026
Rate ReductionTerm Extension (Years)Principal ForgivenessPayment Deferral (Years)
(dollars in thousands)
Commercial, financial, agricultural and other— %0.3$— 0.3
Time and demand— 0.3— 0.3
Residential real estate— %2.0— 1.6
Residential first lien— 2.0— 1.6
Commercial real estate— 0.7— 0.0
Multifamily— 0.4— 0.0
Non-owner occupied— 0.8— 0.0
Total— %0.7$— 0.4
For the Three Months Ended June 30, 2025
Rate ReductionTerm Extension (Years)Principal ForgivenessPayment Deferral (Years)
(dollars in thousands)
Commercial, financial, agricultural and other— %1.7$— 0.5
Time and demand— 0.0— 0.5
Equipment finance— 1.7— 1.0
Residential real estate— 1.9— 0.6
Residential first lien— 1.9— 0.7
Residential junior lien/home equity— 0.0— 0.4
Total— %1.8$— 0.5
Financing Receivable, Modified, Past Due
The following table shows the payment status of loans that have been modified in the last twelve months prior to the date presented:
June 30, 2026
Current30 - 59 days past due60 - 89 days past due90 days or greaterTotal
(dollars in thousands)
Commercial, financial, agricultural and other$1,852 $— $— $— $1,852 
Time and demand1,852 — — — 1,852 
Residential real estate217 — 19 230 466 
Residential first lien217 — 19 230 466 
Commercial real estate20,528 — — 15,445 35,973 
Multifamily— — — 10,836 10,836 
Non-owner occupied20,528 — — 4,609 25,137 
Total loans and leases$22,597 $— $19 $15,675 $38,291 

December 31, 2025
Current30 - 59 days past due60 - 89 days past due90 days or greaterTotal
(dollars in thousands)
Commercial, financial, agricultural and other$989 $— $— $2,522 $3,511 
Time and demand864 — — 2,522 3,386 
Equipment finance125 — — — 125 
Residential real estate227 1,823 23 321 2,394 
Residential first lien182 1,823 23 321 2,349 
Residential junior lien/home equity45 — — — 45 
Commercial real estate9,399 — — — 9,399 
Non-owner occupied9,399 — — — 9,399 
Total loans and leases$10,615 $1,823 $23 $2,843 $15,304 
Allowance for Credit Losses
The following tables provide detail related to the allowance for credit losses:
For the Six Months Ended June 30, 2026
Beginning balanceCharge-offsRecoveries
Provision (credit)a
Ending balance
(dollars in thousands)
Commercial, financial, agricultural and other$38,149 $(12,278)$832 $13,842 $40,545 
Time and demand22,223 (8,060)419 8,084 22,666 
Commercial credit cards177 (277)3 284 187 
Equipment finance14,138 (2,892)302 3,714 15,262 
Time and demand other1,611 (1,049)108 1,760 2,430 
Real estate construction7,808 (326)— 803 8,285 
Construction other7,118 (326)— 909 7,701 
Construction residential690 — — (106)584 
Residential real estate21,629 (459)73 1,023 22,266 
Residential first lien15,056 (414)39 785 15,466 
Residential junior lien/home equity6,573 (45)34 238 6,800 
Commercial real estate40,271 (4,520)253 2,449 38,453 
Multifamily5,528 — — 1,721 7,249 
Non-owner occupied24,865 (3,568)9 (443)20,863 
Owner occupied9,878 (952)244 1,171 10,341 
Loans to individuals17,911 (4,814)1,637 3,142 17,876 
Automobile and recreational vehicles14,962 (3,920)1,489 2,547 15,078 
Consumer credit cards473 (202)31 131 433 
Consumer other2,476 (692)117 464 2,365 
Total loans and leases$125,768 $(22,397)$2,795 $21,259 $127,425 
a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
For the Six Months Ended June 30, 2025
Beginning balanceDay 1 Allowance for credit loss on PCD acquired loansCharge-offsRecoveries
Provision (credit)a
Ending balance
(dollars in thousands)
Commercial, financial, agricultural and other$29,131 $1,616 $(5,422)$4,367 $8,860 $38,552 
Time and demand19,433 1,616 (3,339)3,802 4,955 26,467 
Commercial credit cards182 — (124)22 133 213 
Equipment finance7,844 — (1,126)422 2,247 9,387 
Time and demand other1,672 — (833)121 1,525 2,485 
Real estate construction6,030 1,104 — — 402 7,536 
Construction other5,916 370 — — 232 6,518 
Construction residential114 734 — — 170 1,018 
Residential real estate22,396 307 (226)183 1,108 23,768 
Residential first lien15,758 300 (108)42 680 16,672 
Residential junior lien/home equity6,638 7 (118)141 428 7,096 
Commercial real estate40,232 1,087 (2,088)167 1,448 40,846 
Multifamily5,431 120 — — (112)5,439 
Non-owner occupied23,332 943 (875)115 (609)22,906 
Owner occupied11,469 24 (1,213)52 2,169 12,501 
Loans to individuals21,117 2 (4,700)1,863 3,982 22,264 
Automobile and recreational vehicles18,693 1 (3,550)1,628 3,411 20,183 
Consumer credit cards341 — (169)48 118 338 
Consumer other2,083 1 (981)187 453 1,743 
Total loans and leases$118,906 $4,116 $(12,436)$6,580 $15,800 $132,966 
a) The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Center and excludes the provision for off-balance sheet credit exposure included in the income statement.
For the Three Months Ended June 30, 2026
Beginning balanceCharge-offsRecoveries
Provision (credit)a
Ending balance
(dollars in thousands)
Commercial, financial, agricultural and other$42,770 $(8,264)$426 $5,613 $40,545 
Time and demand25,867 (6,143)289 2,653 22,666 
Commercial credit cards208 (136)2 113 187 
Equipment finance14,890 (1,515)87 1,800 15,262 
Time and demand other1,805 (470)48 1,047 2,430 
Real estate construction7,101 — — 1,184 8,285 
Construction other6,561 — — 1,140 7,701 
Construction residential540 — — 44 584 
Residential real estate21,945 (314)47 588 22,266 
Residential first lien15,367 (308)23 384 15,466 
Residential junior lien/home equity6,578 (6)24 204 6,800 
Commercial real estate39,794 (2,212)213 658 38,453 
Multifamily7,522 — — (273)7,249 
Non-owner occupied21,905 (1,552)3 507 20,863 
Owner occupied10,367 (660)210 424 10,341 
Loans to individuals17,573 (2,170)833 1,640 17,876 
Automobile and recreational vehicles14,755 (1,775)776 1,322 15,078 
Consumer credit cards435 (92)10 80 433 
Consumer other2,383 (303)47 238 2,365 
Total loans and leases$129,183 $(12,960)$1,519 $9,683 $127,425 
a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
For the Three Months Ended June 30, 2025
Beginning balanceDay 1 Allowance for credit loss on PCD acquired loansCharge-offsRecoveries
Provision (credit)a
Ending balance
(dollars in thousands)
Commercial, financial, agricultural and other$31,345 $1,616 $(1,403)$677 $6,317 $38,552 
Time and demand20,400 1,616 (363)318 4,496 26,467 
Commercial credit cards210 — (26)— 29 213 
Equipment finance8,776 — (550)291 870 9,387 
Time and demand other1,959 — (464)68 922 2,485 
Real estate construction6,832 1,104 — — (400)7,536 
Construction other6,675 370 — — (527)6,518 
Construction residential157 734 — — 127 1,018 
Residential real estate22,338 307 (118)46 1,195 23,768 
Residential first lien15,603 300 (75)26 818 16,672 
Residential junior lien/home equity6,735 7 (43)20 377 7,096 
Commercial real estate38,371 1,087 (624)11 2,001 40,846 
Multifamily5,478 120 — — (159)5,439 
Non-owner occupied21,814 943 (1)5 145 22,906 
Owner occupied11,079 24 (623)6 2,015 12,501 
Loans to individuals21,045 2 (2,281)934 2,564 22,264 
Automobile and recreational vehicles19,049 1 (1,745)782 2,096 20,183 
Consumer credit cards323 — (74)30 59 338 
Consumer other1,673 1 (462)122 409 1,743 
Total loans and leases$119,931 $4,116 $(4,426)$1,668 $11,677 $132,966 
a) The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Center and excludes the provision for off-balance sheet credit exposure included in the income statement.
 [1]
Financing Receivable, Modified, Subsequent Default The following table shows modifications considered to be in default.
June 30, 2026December 31, 2025
Number of ContractsBalanceNumber of ContractsBalance
(dollars in thousands)
Commercial, financial, agricultural and other— $— 1 $2,522 
Time and demand— — 1 2,522 
Residential real estate1 231 2 321 
Residential first lien1 231 2 321 
Total loans and leases1 $231 3 $2,843 
The following table shows the payment status of loans that have been modified in the last twelve months prior to the date
[1]
a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.