v3.26.1
Note 9 - Loans & Allowance for Credit Losses on Loans (Tables)
 6 Months Ended
Jun. 30, 2026
Payment Modification to Interest

The following table shows the amortized cost basis during the periods ended June 30, 2026 and December 31, 2025 of the loans modified to borrowers experiencing financial difficulty, disaggregated by loan class, type of concession granted and the financial effect of the modification:

During the period ended:

 

June 30, 2026

 

December 31, 2025

 

 

Amortized Cost Basis

 

 

% of Total Loan Class

 

 

Financial Effect

 

Amortized Cost Basis

 

 

% of Total Loan Class

 

 

Financial Effect

 

 

Payment Modification to Interest Only for Three Months and Deferal of Payment for One Month

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

C&I Other

 

$

764

 

 

 

0.45

%

 

Temporary reduction of three principal payments and one principal and interest payment with no extension of term

 

 

 

 

 

 

 

 

Total

 

$

764

 

 

 

 

 

 

 

$

—

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment Modification to Interest Only for 12 Months

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

C&I Other

 

 

 

 

 

 

 

 

 

$

518

 

 

 

0.37

%

 

Temporary reduction of principal payments with no extension of term

Construction Other and Land Development

 

 

 

 

 

 

 

 

 

 

6,296

 

 

 

6.71

%

 

Temporary reduction of principal payments with no extension of term

Total

 

$

—

 

 

 

 

 

 

 

$

6,814

 

 

 

 

 

 
Retail and Commercial Loans [Member]  
Major Classes of Loans

Major classes of loans are as follows and are inclusive of net unaccreted purchase discounts of $1,476,000 at June 30, 2026; there were no purchase discounts at December 31, 2025:

 

 

June 30,

 

 

December 31,

 

 

 

2026

 

 

2025

 

Commercial:

 

 

 

 

 

 

Commercial and industrial

 

$

168,849

 

 

$

139,452

 

Construction and land development

 

 

139,253

 

 

 

93,862

 

Real estate secured by multi-family properties

 

 

211,485

 

 

 

153,319

 

Real estate secured by owner-occupied properties

 

 

258,205

 

 

 

161,130

 

Real estate secured by other commercial properties

 

 

476,718

 

 

 

364,486

 

Revolving real estate secured by 1-4 family properties-business

 

 

11,475

 

 

 

8,065

 

Real estate secured by 1st lien on 1-4 family properties-business

 

 

190,410

 

 

 

115,114

 

Real estate secured by junior lien on 1-4 family properties-business

 

 

7,279

 

 

 

5,248

 

State and political subdivisions

 

 

21,128

 

 

 

20,646

 

Retail:

 

 

 

 

 

 

1-4 family residential mortgages

 

 

120,878

 

 

 

119,759

 

Construction-individual

 

 

2,343

 

 

 

2,307

 

Revolving home equity secured by 1-4 family properties-personal

 

 

85,526

 

 

 

56,073

 

Real estate secured by 1st lien on 1-4 family properties-personal

 

 

6,468

 

 

 

7,178

 

Real estate secured by junior lien on 1-4 family properties-personal

 

 

12,178

 

 

 

12,937

 

Student loans

 

 

1,713

 

 

 

1,228

 

Overdrafts

 

 

582

 

 

 

252

 

Other consumer

 

 

2,576

 

 

 

1,455

 

Total loans

 

 

1,717,066

 

 

 

1,262,511

 

Net unearned (fees) costs

 

 

(467

)

 

 

(437

)

Allowance for credit losses on loans

 

 

(12,770

)

 

 

(9,215

)

Loans receivable, net

 

$

1,703,829

 

 

$

1,252,859

 
Internal Risk Ratings and Payment Activity

 

 

Term Loans by Origination Year

 

 

 

 

 

 

 

June 30, 2026

 

 

2026

 

 

 

2025

 

 

2024

 

 

2023

 

 

2022

 

 

Prior

 

 

Revolving

 

 

Total

 

Commercial Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

9,330

 

 

$

21,664

 

 

$

13,846

 

 

$

8,845

 

 

$

9,213

 

 

$

18,351

 

 

$

77,394

 

 

$

158,643

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

338

 

 

 

1,277

 

 

 

—

 

 

 

2,720

 

 

 

4,335

 

Substandard

 

 

201

 

 

 

1,833

 

 

 

537

 

 

 

1,598

 

 

 

67

 

 

 

1,011

 

 

 

624

 

 

 

5,871

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total commercial and industrial

 

$

9,531

 

 

$

23,497

 

 

$

14,383

 

 

$

10,781

 

 

$

10,557

 

 

$

19,362

 

 

$

80,738

 

 

$

168,849

 

Construction and land development:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

23,565

 

 

$

49,099

 

 

$

39,777

 

 

$

13,667

 

 

$

2,260

 

 

$

4,445

 

 

$

—

 

 

$

132,813

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

—

 

 

 

—

 

 

 

6,421

 

 

 

—

 

 

 

19

 

 

 

—

 

 

 

6,440

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total construction and land development

 

$

23,565

 

 

$

49,099

 

 

$

39,777

 

 

$

20,088

 

 

$

2,260

 

 

$

4,464

 

 

$

—

 

 

$

139,253

 

Real estate secured by multi-family properties:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

23,092

 

 

$

36,968

 

 

$

20,021

 

 

$

17,567

 

 

$

34,375

 

 

$

70,561

 

 

$

—

 

 

$

202,584

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

—

 

 

 

6,200

 

 

 

452

 

 

 

—

 

 

 

2,249

 

 

 

—

 

 

 

8,901

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total real estate secured by multi-family properties

 

$

23,092

 

 

$

36,968

 

 

$

26,221

 

 

$

18,019

 

 

$

34,375

 

 

$

72,810

 

 

$

—

 

 

$

211,485

 

Real estate secured by owner-occupied properties:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

13,694

 

 

$

42,027

 

 

$

31,225

 

 

$

26,429

 

 

$

41,056

 

 

$

83,134

 

 

$

—

 

 

$

237,565

 

Special mention

 

 

59

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

628

 

 

 

—

 

 

 

687

 

Substandard

 

 

50

 

 

 

10,228

 

 

 

2,275

 

 

 

346

 

 

 

1,628

 

 

 

5,426

 

 

 

—

 

 

 

19,953

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total real estate secured by owner-occupied properties

 

$

13,803

 

 

$

52,255

 

 

$

33,500

 

 

$

26,775

 

 

$

42,684

 

 

$

89,188

 

 

$

—

 

 

$

258,205

 

Real estate secured by other commercial properties:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

38,025

 

 

$

70,432

 

 

$

66,389

 

 

$

59,377

 

 

$

86,331

 

 

$

151,422

 

 

$

—

 

 

$

471,976

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

500

 

 

 

—

 

 

 

822

 

 

 

636

 

 

 

—

 

 

 

2,784

 

 

 

—

 

 

 

4,742

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total real estate secured by other commercial properties

 

$

38,525

 

 

$

70,432

 

 

$

67,211

 

 

$

60,013

 

 

$

86,331

 

 

$

154,206

 

 

$

—

 

 

$

476,718

 

Revolving real estate secured by 1-4 family properties-business:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

11,425

 

 

$

11,425

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

50

 

 

 

50

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total revolving real estate secured by 1-4 family properties-business

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

11,475

 

 

$

11,475

 

Real estate secured by 1st lien on 1-4 family properties-business:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

14,085

 

 

$

34,401

 

 

$

25,845

 

 

$

25,955

 

 

$

39,550

 

 

$

47,664

 

 

$

—

 

 

$

187,500

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

150

 

 

 

—

 

 

 

1,477

 

 

 

321

 

 

 

962

 

 

 

—

 

 

 

2,910

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

Term Loans by Origination Year

 

 

 

 

 

 

 

June 30, 2026

 

 

2026

 

 

 

2025

 

 

2024

 

 

2023

 

 

2022

 

 

Prior

 

 

Revolving

 

 

Total

 

Total real estate secured by 1st lien on 1-4 family properties-business

 

$

14,085

 

 

$

34,551

 

 

$

25,845

 

 

$

27,432

 

 

$

39,871

 

 

$

48,626

 

 

$

—

 

 

$

190,410

 

Real estate secured by junior lien on 1-4 family properties-business:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

1,458

 

 

$

2,756

 

 

$

268

 

 

$

493

 

 

$

555

 

 

$

1,460

 

 

$

—

 

 

$

6,990

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

—

 

 

 

276

 

 

 

—

 

 

 

13

 

 

 

—

 

 

 

—

 

 

 

289

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total real estate secured by junior lien on 1-4 family properties-business

 

$

1,458

 

 

$

2,756

 

 

$

544

 

 

$

493

 

 

$

568

 

 

$

1,460

 

 

$

—

 

 

$

7,279

 

State and political subdivisions:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

2,599

 

 

$

2,816

 

 

$

1,960

 

 

$

2,218

 

 

$

—

 

 

$

11,535

 

 

$

—

 

 

$

21,128

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total state and political subdivision

 

$

2,599

 

 

$

2,816

 

 

$

1,960

 

 

$

2,218

 

 

$

—

 

 

$

11,535

 

 

$

—

 

 

$

21,128

 

Total Commercial Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

125,848

 

 

$

260,163

 

 

$

199,331

 

 

$

154,551

 

 

$

213,340

 

 

$

388,572

 

 

$

88,819

 

 

$

1,430,624

 

Special mention

 

 

59

 

 

 

—

 

 

 

—

 

 

 

338

 

 

 

1,277

 

 

 

628

 

 

 

2,720

 

 

 

5,022

 

Substandard

 

 

751

 

 

 

12,211

 

 

 

10,110

 

 

 

10,930

 

 

 

2,029

 

 

 

12,451

 

 

 

674

 

 

 

49,156

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Commercial loans

 

$

126,658

 

 

$

272,374

 

 

$

209,441

 

 

$

165,819

 

 

$

216,646

 

 

$

401,651

 

 

$

92,213

 

 

$

1,484,802

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current Period Gross Charge-Offs:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Term Loans by Origination Year

 

 

 

 

 

 

 

December 31, 2025

 

2025

 

 

2024

 

 

2023

 

 

2022

 

 

2021

 

 

Prior

 

 

Revolving

 

 

Total

 

Commercial Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

17,291

 

 

$

14,966

 

 

$

8,183

 

 

$

7,424

 

 

$

2,600

 

 

$

6,993

 

 

$

77,629

 

 

$

135,086

 

Special mention

 

 

—

 

 

 

—

 

 

 

357

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

1,702

 

 

 

2,059

 

Substandard

 

 

916

 

 

 

—

 

 

 

518

 

 

 

77

 

 

 

34

 

 

 

74

 

 

 

688

 

 

 

2,307

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total commercial and industrial

 

$

18,207

 

 

$

14,966

 

 

$

9,058

 

 

$

7,501

 

 

$

2,634

 

 

$

7,067

 

 

$

80,019

 

 

$

139,452

 

Construction and land development:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

21,131

 

 

$

45,435

 

 

$

16,140

 

 

$

938

 

 

$

1,405

 

 

$

2,492

 

 

$

—

 

 

$

87,541

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

—

 

 

 

6,296

 

 

 

—

 

 

 

—

 

 

 

25

 

 

 

—

 

 

 

6,321

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total construction and land development

 

$

21,131

 

 

$

45,435

 

 

$

22,436

 

 

$

938

 

 

$

1,405

 

 

$

2,517

 

 

$

—

 

 

$

93,862

 

Real estate secured by multi-family properties:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

36,520

 

 

$

11,313

 

 

$

9,415

 

 

$

26,537

 

 

$

21,516

 

 

$

39,548

 

 

$

—

 

 

$

144,849

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

5,729

 

 

 

458

 

 

 

—

 

 

 

—

 

 

 

2,283

 

 

 

—

 

 

 

8,470

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total real estate secured by multi-family properties

 

$

36,520

 

 

$

17,042

 

 

$

9,873

 

 

$

26,537

 

 

$

21,516

 

 

$

41,831

 

 

$

—

 

 

$

153,319

 

Real estate secured by owner-occupied properties:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

21,614

 

 

$

13,606

 

 

$

12,974

 

 

$

23,265

 

 

$

21,711

 

 

$

49,785

 

 

$

—

 

 

$

142,955

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

722

 

 

 

—

 

 

 

722

 

Substandard

 

 

10,001

 

 

 

—

 

 

 

—

 

 

 

1,883

 

 

 

—

 

 

 

5,569

 

 

 

—

 

 

 

17,453

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total real estate secured by owner-occupied properties

 

$

—

 

 

$

13,606

 

 

$

12,974

 

 

$

25,148

 

 

$

21,711

 

 

$

56,076

 

 

$

—

 

 

$

161,130

 

Real estate secured by other commercial properties:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

63,437

 

 

$

47,036

 

 

$

41,150

 

 

$

73,158

 

 

$

39,243

 

 

$

96,950

 

 

$

—

 

 

$

360,974

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

—

 

 

 

645

 

 

 

—

 

 

 

—

 

 

 

2,867

 

 

 

—

 

 

 

3,512

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total real estate secured by other commercial properties

 

$

63,437

 

 

$

47,036

 

 

$

41,795

 

 

$

73,158

 

 

$

39,243

 

 

$

99,817

 

 

$

—

 

 

$

364,486

 

Revolving real estate secured by 1-4 family properties-business:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

8,065

 

 

$

8,065

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total revolving real estate secured by 1-4 family properties-business

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

8,065

 

 

$

8,065

 

Real estate secured by 1st lien on 1-4 family properties-business:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

21,377

 

 

$

8,649

 

 

$

15,925

 

 

$

23,651

 

 

$

16,550

 

 

$

28,060

 

 

$

—

 

 

$

114,212

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

Term Loans by Origination Year

 

 

 

 

 

 

 

December 31, 2025

 

2025

 

 

2024

 

 

2023

 

 

2022

 

 

2021

 

 

Prior

 

 

Revolving

 

 

Total

 

Substandard

 

 

—

 

 

 

—

 

 

 

—

 

 

 

327

 

 

 

317

 

 

 

258

 

 

 

—

 

 

 

902

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total real estate secured by 1st lien on 1-4 family properties-business

 

$

21,377

 

 

$

8,649

 

 

$

15,925

 

 

$

23,978

 

 

$

16,867

 

 

$

28,318

 

 

$

—

 

 

$

115,114

 

Real estate secured by junior lien on 1-4 family properties-business:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

2,362

 

 

$

207

 

 

$

507

 

 

$

432

 

 

$

153

 

 

$

1,333

 

 

$

—

 

 

$

4,994

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

239

 

 

 

—

 

 

 

15

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

254

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total real estate secured by junior lien on 1-4 family properties-business

 

$

2,362

 

 

$

446

 

 

$

507

 

 

$

447

 

 

$

153

 

 

$

1,333

 

 

$

—

 

 

$

5,248

 

State and political subdivisions:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

1,959

 

 

$

3,511

 

 

$

2,257

 

 

$

—

 

 

$

3,248

 

 

$

9,671

 

 

$

—

 

 

$

20,646

 

Special mention

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Substandard

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total state and political subdivisions

 

$

1,959

 

 

$

3,511

 

 

$

2,257

 

 

$

—

 

 

$

3,248

 

 

$

9,671

 

 

$

—

 

 

$

20,646

 

Total Commercial Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Risk rating

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

185,691

 

 

$

144,723

 

 

$

106,551

 

 

$

155,405

 

 

$

106,426

 

 

$

234,832

 

 

$

85,694

 

 

$

1,019,322

 

Special mention

 

 

—

 

 

 

—

 

 

 

357

 

 

 

—

 

 

 

—

 

 

 

722

 

 

 

1,702

 

 

 

2,781

 

Substandard

 

 

10,917

 

 

 

5,968

 

 

 

7,917

 

 

 

2,302

 

 

 

351

 

 

 

11,076

 

 

 

688

 

 

 

39,219

 

Doubtful

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total Commercial loans

 

$

196,608

 

 

$

150,691

 

 

$

114,825

 

 

$

157,707

 

 

$

106,777

 

 

$

246,630

 

 

$

88,084

 

 

$

1,061,322

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current Period Gross Charge-Offs:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

F

 

 

Term Loans by Origination Year

 

 

 

 

 

 

 

June 30, 2026

 

 

2026

 

 

 

2025

 

 

2024

 

 

2023

 

 

2022

 

 

Prior

 

 

Revolving

 

 

Total

 

Retail Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

4,954

 

 

$

12,670

 

 

$

10,994

 

 

$

11,539

 

 

$

11,963

 

 

$

67,078

 

 

$

—

 

 

$

119,198

 

Nonperforming

 

 

—

 

 

 

2

 

 

 

4

 

 

 

2

 

 

 

902

 

 

 

770

 

 

 

—

 

 

 

1,680

 

Total 1-4 family residential mortgages

 

$

4,954

 

 

$

12,672

 

 

$

10,998

 

 

$

11,541

 

 

$

12,865

 

 

$

67,848

 

 

$

—

 

 

$

120,878

 

Construction-individual:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

429

 

 

$

1,914

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

2,343

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total construction-individual

 

$

429

 

 

$

1,914

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

2,343

 

Revolving home equity secured by 1-4 family properties-personal:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

85,230

 

 

$

85,230

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

296

 

 

 

296

 

Total revolving home equity secured by 1-4 family properties-personal

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

85,526

 

 

$

85,526

 

Real estate secured by 1st lien on 1-4 family properties-personal:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

376

 

 

$

1,685

 

 

$

400

 

 

$

509

 

 

$

796

 

 

$

2,591

 

 

$

—

 

 

$

6,357

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

90

 

 

 

21

 

 

 

—

 

 

 

111

 

Total real estate secured by 1st lien on 1-4 family properties-personal

 

$

376

 

 

$

1,685

 

 

$

400

 

 

$

509

 

 

$

886

 

 

$

2,612

 

 

$

—

 

 

$

6,468

 

Real estate secured by junior lien on 1-4 family properties-personal:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

925

 

 

$

2,270

 

 

$

3,723

 

 

$

1,839

 

 

$

534

 

 

$

2,873

 

 

$

—

 

 

$

12,164

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

14

 

 

 

—

 

 

 

—

 

 

 

14

 

Total real estate secured by junior lien on 1-4 family properties-personal

 

$

925

 

 

$

2,270

 

 

$

3,723

 

 

$

1,839

 

 

$

548

 

 

$

2,873

 

 

$

—

 

 

$

12,178

 

Student loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

1,702

 

 

$

—

 

 

$

1,702

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

11

 

 

 

—

 

 

 

11

 

Total student loans

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

1,713

 

 

$

—

 

 

$

1,713

 

Overdrafts:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

582

 

 

$

582

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total overdrafts

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

582

 

 

$

582

 

Other consumer:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

261

 

 

$

372

 

 

$

458

 

 

$

230

 

 

$

24

 

 

$

96

 

 

$

1,119

 

 

$

2,560

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

16

 

 

 

—

 

 

 

16

 

Total other consumer

 

$

261

 

 

$

372

 

 

$

458

 

 

$

230

 

 

$

24

 

 

$

112

 

 

$

1,119

 

 

$

2,576

 

Total Retail Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

6,945

 

 

$

18,911

 

 

$

15,575

 

 

$

14,117

 

 

$

13,317

 

 

$

74,340

 

 

$

86,931

 

 

$

230,136

 

Nonperforming

 

 

—

 

 

 

2

 

 

 

4

 

 

 

2

 

 

 

1,006

 

 

 

818

 

 

 

296

 

 

 

2,128

 

Total Retail Loans

 

$

6,945

 

 

$

18,913

 

 

$

15,579

 

 

$

14,119

 

 

$

14,323

 

 

$

75,158

 

 

$

87,227

 

 

$

232,264

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current Period Gross Charge-Offs:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate secured by junior lien on 1-4 family properties-personal

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

4

 

 

$

—

 

 

$

4

 

Student loans

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

2

 

 

 

—

 

 

 

2

 

Overdrafts

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

26

 

 

 

26

 

 

 

Term Loans by Origination Year

 

 

 

 

 

 

 

June 30, 2026

 

 

2026

 

 

 

2025

 

 

2024

 

 

2023

 

 

2022

 

 

Prior

 

 

Revolving

 

 

Total

 

Other consumer

 

 

—

 

 

 

9

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

3

 

 

 

12

 

 

 

 

Term Loans by Origination Year

 

 

 

 

 

 

 

December 31, 2025

 

2025

 

 

2024

 

 

2023

 

 

2022

 

 

2021

 

 

Prior

 

 

Revolving

 

 

Total

 

Retail Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

12,930

 

 

$

11,088

 

 

$

11,643

 

 

$

13,202

 

 

$

26,786

 

 

$

43,295

 

 

$

—

 

 

$

118,944

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

815

 

 

 

—

 

 

 

815

 

Total 1-4 family residential mortgages

 

$

12,930

 

 

$

11,088

 

 

$

11,643

 

 

$

13,202

 

 

$

26,786

 

 

$

44,110

 

 

$

—

 

 

$

119,759

 

Construction-individual:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

2,307

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

2,307

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total construction-individual

 

$

2,307

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

2,307

 

Revolving home equity secured by 1-4 family properties-personal:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

55,768

 

 

$

55,768

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

305

 

 

 

305

 

Total revolving home equity secured by 1-4 family properties-personal

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

56,073

 

 

$

56,073

 

Real estate secured by 1st lien on 1-4 family properties-personal:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

2,206

 

 

$

437

 

 

$

544

 

 

$

852

 

 

$

924

 

 

$

2,102

 

 

$

—

 

 

$

7,065

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

90

 

 

 

—

 

 

 

23

 

 

 

—

 

 

 

113

 

Total real estate secured by 1st lien on 1-4 family properties-personal

 

$

2,206

 

 

$

437

 

 

$

544

 

 

$

942

 

 

$

924

 

 

$

2,125

 

 

$

—

 

 

$

7,178

 

Real estate secured by junior lien on 1-4 family properties-personal:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

2,545

 

 

$

4,366

 

 

$

2,015

 

 

$

599

 

 

$

592

 

 

$

2,805

 

 

$

—

 

 

$

12,922

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

15

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

15

 

Total real estate secured by junior lien on 1-4 family properties-personal

 

$

2,545

 

 

$

4,366

 

 

$

2,015

 

 

$

614

 

 

$

592

 

 

$

2,805

 

 

$

—

 

 

$

12,937

 

Student loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

1,228

 

 

$

—

 

 

$

1,228

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total student loans

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

1,228

 

 

$

—

 

 

$

1,228

 

Overdrafts:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

252

 

 

$

252

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total overdrafts

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

252

 

 

$

252

 

Other consumer:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

369

 

 

$

528

 

 

$

269

 

 

$

41

 

 

$

29

 

 

$

18

 

 

$

181

 

 

$

1,435

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

20

 

 

 

—

 

 

 

20

 

Total other consumer

 

$

369

 

 

$

528

 

 

$

269

 

 

$

41

 

 

$

29

 

 

$

38

 

 

$

181

 

 

$

1,455

 

Total Retail Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Payment performance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

20,357

 

 

$

16,419

 

 

$

14,471

 

 

$

14,694

 

 

$

28,331

 

 

$

49,448

 

 

$

56,201

 

 

$

199,921

 

Nonperforming

 

 

—

 

 

 

—

 

 

 

—

 

 

 

105

 

 

 

—

 

 

 

858

 

 

 

305

 

 

 

1,268

 

Total Retail Loans

 

$

20,357

 

 

$

16,419

 

 

$

14,471

 

 

$

14,799

 

 

$

28,331

 

 

$

50,306

 

 

$

56,506

 

 

$

201,189

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current Period Gross Charge-Offs:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Overdrafts

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

92

 

 

$

92

 

Other consumer

 

 

—

 

 

 

—

 

 

 

7

 

 

 

—

 

 

 

3

 

 

 

—

 

 

 

8

 

 

 

18

 

 

 

Revolving home equity lines of credit secured by 1-4 family properties termed out during 2026 and 2025 were $133,330 and $1,095,000 all of which are performing.

Past Due Loans The following table presents the classes of the loan portfolio summarized by the past due status as of June 30, 2026 and December 31, 2025:

 

June 30, 2026

 

30-59 days
past due

 

 

60-89 days
past due

 

 

90 days or
more past
due

 

 

Total past
due loans

 

 

Current

 

 

Total loans
receivable

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

24

 

 

$

90

 

 

$

—

 

 

$

114

 

 

$

168,735

 

 

$

168,849

 

Construction and land development

 

 

1,676

 

 

 

—

 

 

 

—

 

 

 

1,676

 

 

 

137,577

 

 

 

139,253

 

Real estate secured by multi-family properties

 

 

1,536

 

 

 

—

 

 

 

—

 

 

 

1,536

 

 

 

209,949

 

 

 

211,485

 

Real estate secured by owner-occupied properties

 

 

1,181

 

 

 

—

 

 

 

—

 

 

 

1,181

 

 

 

257,024

 

 

 

258,205

 

Real estate secured by other commercial properties

 

 

—

 

 

 

—

 

 

 

822

 

 

 

822

 

 

 

475,896

 

 

 

476,718

 

Revolving real estate secured by 1-4 family properties-business

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

11,475

 

 

 

11,475

 

Real estate secured by 1st lien on 1-4 family properties-business

 

 

413

 

 

 

—

 

 

 

534

 

 

 

947

 

 

 

189,463

 

 

 

190,410

 

Real estate secured by junior lien on 1-4 family properties-business

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

7,279

 

 

 

7,279

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

21,128

 

 

 

21,128

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

—

 

 

 

1,103

 

 

 

1,103

 

 

 

119,775

 

 

 

120,878

 

Construction-individual

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

2,343

 

 

 

2,343

 

Revolving home equity secured by 1-4 family properties-personal

 

 

63

 

 

 

—

 

 

 

136

 

 

 

199

 

 

 

85,327

 

 

 

85,526

 

Real estate secured by 1st lien on 1-4 family properties-personal

 

 

26

 

 

 

—

 

 

 

90

 

 

 

116

 

 

 

6,352

 

 

 

6,468

 

Real estate secured by junior lien on 1-4 family properties-personal

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

12,178

 

 

 

12,178

 

Student loans

 

 

157

 

 

 

3

 

 

 

11

 

 

 

171

 

 

 

1,542

 

 

 

1,713

 

Overdrafts

 

 

24

 

 

 

39

 

 

 

—

 

 

 

63

 

 

 

519

 

 

 

582

 

Other consumer

 

 

17

 

 

 

—

 

 

 

—

 

 

 

17

 

 

 

2,559

 

 

 

2,576

 

Total

 

$

5,117

 

 

$

132

 

 

$

2,696

 

 

$

7,945

 

 

$

1,709,121

 

 

$

1,717,066

 

 

 

 

December 31, 2025

 

30-59 days
past due

 

 

60-89 days
past due

 

 

90 days or
more past
due

 

 

Total past
due loans

 

 

Current

 

 

Total loans
receivable

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

139,452

 

 

$

139,452

 

Construction and land development

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

93,862

 

 

 

93,862

 

Real estate secured by multi-family properties

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

153,319

 

 

 

153,319

 

Real estate secured by owner-occupied properties

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

161,130

 

 

 

161,130

 

Real estate secured by other commercial properties

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

364,486

 

 

 

364,486

 

Revolving real estate secured by 1-4 family properties-business

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

8,065

 

 

 

8,065

 

Real estate secured by 1st lien on 1-4 family properties-business

 

 

—

 

 

 

—

 

 

 

129

 

 

 

129

 

 

 

114,985

 

 

 

115,114

 

Real estate secured by junior lien on 1-4 family properties-business

 

 

—

 

 

 

239

 

 

 

—

 

 

 

239

 

 

 

5,009

 

 

 

5,248

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

20,646

 

 

 

20,646

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

582

 

 

 

296

 

 

 

127

 

 

 

1,005

 

 

 

118,754

 

 

 

119,759

 

Construction-individual

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

2,307

 

 

 

2,307

 

Revolving home equity secured by 1-4 family properties-personal

 

 

—

 

 

 

—

 

 

 

134

 

 

 

134

 

 

 

55,939

 

 

 

56,073

 

Real estate secured by 1st lien on 1-4 family properties-personal

 

 

26

 

 

 

—

 

 

 

90

 

 

 

116

 

 

 

7,062

 

 

 

7,178

 

Real estate secured by junior lien on 1-4 family properties-personal

 

 

101

 

 

 

—

 

 

 

—

 

 

 

101

 

 

 

12,836

 

 

 

12,937

 

Student loans

 

 

—

 

 

 

12

 

 

 

—

 

 

 

12

 

 

 

1,216

 

 

 

1,228

 

Overdrafts

 

 

18

 

 

 

—

 

 

 

—

 

 

 

18

 

 

 

234

 

 

 

252

 

Other consumer

 

 

—

 

 

 

9

 

 

 

—

 

 

 

9

 

 

 

1,446

 

 

 

1,455

 

Total

 

$

727

 

 

$

556

 

 

$

480

 

 

$

1,763

 

 

$

1,260,748

 

 

$

1,262,511

 
Non-accrual Loans The following tables discloses the recorded investment in loans receivable that are either on non-accrual status or past due 90 days or more and still accruing interest as of June 30, 2026 and December 31, 2025:

 

June 30, 2026

 

90 Days or More Past Due-Still Accruing

 

 

Nonaccrual With No Specifically-Related ACL

 

 

Nonaccrual With Related ACL

 

 

Total Nonaccrual Loans

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

496

 

 

$

19

 

 

$

515

 

Construction and land development

 

 

—

 

 

 

6,421

 

 

 

—

 

 

 

6,421

 

Real estate secured by multi-family properties

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Real estate secured by owner-occupied properties

 

 

—

 

 

 

122

 

 

 

—

 

 

 

122

 

Real estate secured by other commercial properties

 

 

—

 

 

 

822

 

 

 

—

 

 

 

822

 

Revolving real estate secured by 1-4 family properties-business

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Real estate secured by 1st lien on 1-4 family properties-business

 

 

—

 

 

 

179

 

 

 

—

 

 

 

179

 

Real estate secured by junior lien on 1-4 family properties-business

 

 

—

 

 

 

—

 

 

 

231

 

 

 

231

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

1,680

 

 

 

—

 

 

 

1,680

 

Construction-individual

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Revolving home equity secured by 1-4 family properties-personal

 

 

—

 

 

 

279

 

 

 

17

 

 

 

296

 

Real estate secured by 1st lien on 1-4 family properties-personal

 

 

—

 

 

 

111

 

 

 

—

 

 

 

111

 

Real estate secured by junior lien on 1-4 family properties-personal

 

 

—

 

 

 

14

 

 

 

—

 

 

 

14

 

Student loans

 

 

—

 

 

 

11

 

 

 

—

 

 

 

11

 

Other consumer

 

 

—

 

 

 

16

 

 

 

—

 

 

 

16

 

Total

 

$

—

 

 

$

10,151

 

 

$

267

 

 

$

10,418

 

 

December 31, 2025

 

90 Days or More Past Due-Still Accruing

 

 

Nonaccrual With No Specifically-Related ACL

 

 

Nonaccrual With Related ACL

 

 

Total Nonaccrual Loans

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

—

 

 

$

539

 

 

$

539

 

Construction and land development

 

 

—

 

 

 

—

 

 

 

6,296

 

 

 

6,296

 

Real estate secured by multi-family properties

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Real estate secured by owner-occupied properties

 

 

—

 

 

 

134

 

 

 

—

 

 

 

134

 

Real estate secured by other commercial properties

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Revolving real estate secured by 1-4 family properties-business

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Real estate secured by 1st lien on 1-4 family properties-business

 

 

—

 

 

 

317

 

 

 

—

 

 

 

317

 

Real estate secured by junior lien on 1-4 family properties-business

 

 

—

 

 

 

—

 

 

 

239

 

 

 

239

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

815

 

 

 

—

 

 

 

815

 

Construction-individual

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Revolving home equity secured by 1-4 family properties-personal

 

 

—

 

 

 

290

 

 

 

15

 

 

 

305

 

Real estate secured by 1st lien on 1-4 family properties-personal

 

 

—

 

 

 

113

 

 

 

—

 

 

 

113

 

Real estate secured by junior lien on 1-4 family properties-personal

 

 

—

 

 

 

15

 

 

 

—

 

 

 

15

 

Student loans

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Other consumer

 

 

—

 

 

 

20

 

 

 

—

 

 

 

20

 

Total

 

$

—

 

 

$

1,704

 

 

$

7,089

 

 

$

8,793

 

 
Allowance for Credit Losses on Loans

Activity in the allowance for credit losses on loans for the three and six months ended June 30, 2026 and 2025 are as follows:

 

For the Three Months Ended June 30, 2026

 

Balance, beginning of period

 

 

ACL on PSLs at acquisition

 

 

ACL on PCD loans at acquisition

 

 

Provision for (credit to) loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end
of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

775

 

 

$

83

 

 

$

39

 

 

$

144

 

 

$

—

 

 

$

8

 

 

$

1,049

 

Construction and land development

 

 

2,471

 

 

 

227

 

 

 

2

 

 

 

(1,260

)

 

 

—

 

 

 

—

 

 

 

1,440

 

Real estate secured by multi-family properties

 

 

2,269

 

 

 

638

 

 

 

8

 

 

 

(219

)

 

 

—

 

 

 

—

 

 

 

2,696

 

Real estate secured by owner-occupied properties

 

 

697

 

 

 

470

 

 

 

55

 

 

 

372

 

 

 

—

 

 

 

—

 

 

 

1,594

 

Real estate secured by other commercial properties

 

 

1,041

 

 

 

376

 

 

 

28

 

 

 

729

 

 

 

—

 

 

 

—

 

 

 

2,174

 

Revolving real estate secured by 1-4 family properties-business

 

 

30

 

 

 

10

 

 

 

—

 

 

 

19

 

 

 

—

 

 

 

—

 

 

 

59

 

Real estate secured by 1st lien on 1-4 family properties-business

 

 

1,297

 

 

 

781

 

 

 

36

 

 

 

(66

)

 

 

—

 

 

 

3

 

 

 

2,051

 

Real estate secured by junior lien on 1-4 family properties-business

 

 

150

 

 

 

5

 

 

 

—

 

 

 

7

 

 

 

—

 

 

 

—

 

 

 

162

 

State and political subdivisions

 

 

23

 

 

 

—

 

 

 

—

 

 

 

47

 

 

 

—

 

 

 

—

 

 

 

70

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

—

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

308

 

 

 

1

 

 

 

1

 

 

 

186

 

 

 

—

 

 

 

—

 

 

 

496

 

Construction-individual

 

 

2

 

 

 

—

 

 

 

—

 

 

 

6

 

 

 

—

 

 

 

—

 

 

 

8

 

Revolving home equity secured by 1-4 family properties-personal

 

 

125

 

 

 

72

 

 

 

4

 

 

 

178

 

 

 

—

 

 

 

—

 

 

 

379

 

Real estate secured by 1st lien on 1-4 family properties-personal

 

 

27

 

 

 

—

 

 

 

—

 

 

 

11

 

 

 

—

 

 

 

—

 

 

 

38

 

Real estate secured by junior lien on 1-4 family properties-personal

 

 

56

 

 

 

—

 

 

 

—

 

 

 

21

 

 

 

—

 

 

 

2

 

 

 

79

 

Student loans

 

 

205

 

 

 

85

 

 

 

—

 

 

 

(3

)

 

 

(2

)

 

 

6

 

 

 

291

 

Overdrafts

 

 

20

 

 

 

—

 

 

 

—

 

 

 

32

 

 

 

(10

)

 

 

6

 

 

 

48

 

Other consumer

 

 

35

 

 

 

94

 

 

 

5

 

 

 

14

 

 

 

(12

)

 

 

—

 

 

 

136

 

Total

 

$

9,531

 

 

$

2,842

 

 

$

178

 

 

$

218

 

 

$

(24

)

 

$

25

 

 

$

12,770

 

 

 

 

For the Three Months Ended June 30, 2025

 

Balance, beginning of period

 

 

Credit loss expense (reversal)

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end
of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

810

 

 

$

4

 

 

$

—

 

 

$

7

 

 

$

821

 

Construction and land development

 

 

1,099

 

 

 

36

 

 

 

—

 

 

 

—

 

 

 

1,135

 

Real estate secured by multi-family properties

 

 

1,977

 

 

 

(139

)

 

 

—

 

 

 

—

 

 

 

1,838

 

Real estate secured by owner-occupied properties

 

 

845

 

 

 

56

 

 

 

—

 

 

 

—

 

 

 

901

 

Real estate secured by other commercial properties

 

 

2,028

 

 

 

(67

)

 

 

—

 

 

 

30

 

 

 

1,991

 

Revolving real estate secured by 1-4 family properties-business

 

 

22

 

 

 

9

 

 

 

—

 

 

 

—

 

 

 

31

 

Real estate secured by 1st lien on 1-4 family properties-business

 

 

1,471

 

 

 

(107

)

 

 

—

 

 

 

2

 

 

 

1,366

 

Real estate secured by junior lien on 1-4 family properties-business

 

 

9

 

 

 

7

 

 

 

—

 

 

 

—

 

 

 

16

 

State and political subdivisions

 

 

36

 

 

 

6

 

 

 

—

 

 

 

—

 

 

 

42

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

320

 

 

 

36

 

 

 

—

 

 

 

—

 

 

 

356

 

Construction-individual

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Revolving home equity secured by 1-4 family properties-personal

 

 

140

 

 

 

20

 

 

 

—

 

 

 

—

 

 

 

160

 

Real estate secured by 1st lien on 1-4 family properties-personal

 

 

32

 

 

 

1

 

 

 

—

 

 

 

—

 

 

 

33

 

Real estate secured by junior lien on 1-4 family properties-personal

 

 

79

 

 

 

1

 

 

 

—

 

 

 

—

 

 

 

80

 

Student loans

 

 

278

 

 

 

(26

)

 

 

—

 

 

 

5

 

 

 

257

 

Overdrafts

 

 

30

 

 

 

18

 

 

 

(31

)

 

 

4

 

 

 

21

 

Other consumer

 

 

122

 

 

 

-

 

 

 

(1

)

 

 

—

 

 

 

121

 

Total

 

$

9,298

 

 

$

(145

)

 

$

(32

)

 

$

48

 

 

$

9,169

 

 

For the Six Months Ended June 30, 2026

 

Balance, beginning of period

 

 

ACL on PSLs at acquisition

 

 

ACL on PCD loans at acquisition

 

 

Credit loss expense (reversal)

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end
of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

744

 

 

$

83

 

 

$

39

 

 

$

167

 

 

$

—

 

 

$

16

 

 

$

1,049

 

Construction and land development

 

 

2,165

 

 

 

227

 

 

 

2

 

 

 

(954

)

 

 

—

 

 

 

—

 

 

 

1,440

 

Real estate secured by multi-family properties

 

 

2,344

 

 

 

638

 

 

 

8

 

 

 

(294

)

 

 

—

 

 

 

—

 

 

 

2,696

 

Real estate secured by owner-occupied properties

 

 

716

 

 

 

470

 

 

 

55

 

 

 

353

 

 

 

—

 

 

 

—

 

 

 

1,594

 

Real estate secured by other commercial properties

 

 

1,042

 

 

 

376

 

 

 

28

 

 

 

728

 

 

 

—

 

 

 

—

 

 

 

2,174

 

Revolving real estate secured by 1-4 family properties-business

 

 

29

 

 

 

10

 

 

 

—

 

 

 

20

 

 

 

—

 

 

 

—

 

 

 

59

 

Real estate secured by 1st lien on 1-4 family properties-business

 

 

1,252

 

 

 

781

 

 

 

36

 

 

 

(23

)

 

 

—

 

 

 

5

 

 

 

2,051

 

Real estate secured by junior lien on 1-4 family properties-business

 

 

140

 

 

 

5

 

 

 

—

 

 

 

17

 

 

 

—

 

 

 

—

 

 

 

162

 

State and political subdivisions

 

 

25

 

 

 

—

 

 

 

—

 

 

 

45

 

 

 

—

 

 

 

—

 

 

 

70

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

248

 

 

 

1

 

 

 

1

 

 

 

246

 

 

 

—

 

 

 

—

 

 

 

496

 

Construction-individual

 

 

3

 

 

 

—

 

 

 

—

 

 

 

5

 

 

 

—

 

 

 

—

 

 

 

8

 

Revolving home equity secured by 1-4 family properties-personal

 

 

138

 

 

 

72

 

 

 

4

 

 

 

165

 

 

 

—

 

 

 

—

 

 

 

379

 

Real estate secured by 1st lien on 1-4 family properties-personal

 

 

28

 

 

 

—

 

 

 

—

 

 

 

10

 

 

 

—

 

 

 

—

 

 

 

38

 

Real estate secured by junior lien on 1-4 family properties-personal

 

 

58

 

 

 

—

 

 

 

—

 

 

 

22

 

 

 

(4

)

 

 

3

 

 

 

79

 

Student loans

 

 

226

 

 

 

85

 

 

 

—

 

 

 

(39

)

 

 

(2

)

 

 

21

 

 

 

291

 

Overdrafts

 

 

21

 

 

 

—

 

 

 

—

 

 

 

40

 

 

 

(26

)

 

 

13

 

 

 

48

 

Other consumer

 

 

36

 

 

 

94

 

 

 

5

 

 

 

13

 

 

 

(12

)

 

 

—

 

 

 

136

 

Total

 

$

9,215

 

 

$

2,842

 

 

$

178

 

 

$

521

 

 

$

(44

)

 

$

58

 

 

$

12,770

 

 

For the Six Months Ended June 30, 2025

 

Balance, beginning of period

 

 

Credit loss expense (reversal)

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end
of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

829

 

 

$

(25

)

 

$

—

 

 

$

17

 

 

$

821

 

Construction and land development

 

 

1,336

 

 

 

(201

)

 

 

—

 

 

 

—

 

 

 

1,135

 

Real estate secured by multi-family properties

 

 

2,012

 

 

 

(174

)

 

 

—

 

 

 

—

 

 

 

1,838

 

Real estate secured by owner-occupied properties

 

 

853

 

 

 

48

 

 

 

—

 

 

 

—

 

 

 

901

 

Real estate secured by other commercial properties

 

 

1,142

 

 

 

819

 

 

 

—

 

 

 

30

 

 

 

1,991

 

Revolving real estate secured by 1-4 family properties-business

 

 

24

 

 

 

7

 

 

 

—

 

 

 

—

 

 

 

31

 

Real estate secured by 1st lien on 1-4 family properties-business

 

 

1,238

 

 

 

123

 

 

 

—

 

 

 

5

 

 

 

1,366

 

Real estate secured by junior lien on 1-4 family properties-business

 

 

339

 

 

 

(323

)

 

 

—

 

 

 

—

 

 

 

16

 

State and political subdivisions

 

 

34

 

 

 

8

 

 

 

—

 

 

 

—

 

 

 

42

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

323

 

 

 

33

 

 

 

—

 

 

 

—

 

 

 

356

 

Construction-individual

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Revolving home equity secured by 1-4 family properties-personal

 

 

143

 

 

 

17

 

 

 

—

 

 

 

—

 

 

 

160

 

Real estate secured by 1st lien on 1-4 family properties-personal

 

 

31

 

 

 

2

 

 

 

—

 

 

 

—

 

 

 

33

 

Real estate secured by junior lien on 1-4 family properties-personal

 

 

77

 

 

 

3

 

 

 

—

 

 

 

—

 

 

 

80

 

Student loans

 

 

310

 

 

 

(66

)

 

 

—

 

 

 

13

 

 

 

257

 

Overdrafts

 

 

18

 

 

 

37

 

 

 

(44

)

 

 

10

 

 

 

21

 

Other consumer

 

 

35

 

 

 

98

 

 

 

(12

)

 

 

—

 

 

 

121

 

Total

 

$

8,744

 

 

$

406

 

 

$

(56

)

 

$

75

 

 

$

9,169

 

 
Collateral-dependent Loans By Loan Category

The following tables present the collateral-dependent loans by loan category at June 30, 2026 and December 31, 2025:

 

June 30, 2026

 

Real Estate Secured

 

 

Other (1)

 

 

Deficiency in Collateral

 

 

Total Collateral Dependent Nonaccrual Loans

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

496

 

 

$

19

 

 

$

515

 

Construction and land development

 

 

6,421

 

 

 

—

 

 

 

—

 

 

 

6,421

 

Real estate secured by multi-family properties

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Real estate secured by owner-occupied properties

 

 

122

 

 

 

—

 

 

 

—

 

 

 

122

 

Real estate secured by other commercial properties

 

 

822

 

 

 

—

 

 

 

—

 

 

 

822

 

Revolving real estate secured by 1-4 family properties-business

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Real estate secured by 1st lien on 1-4 family properties-business

 

 

179

 

 

 

—

 

 

 

—

 

 

 

179

 

Real estate secured by junior lien on 1-4 family properties-business

 

 

98

 

 

 

—

 

 

 

133

 

 

 

231

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

1,680

 

 

 

—

 

 

 

—

 

 

 

1,680

 

Construction-individual

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Revolving home equity secured by 1-4 family properties-personal

 

 

281

 

 

 

—

 

 

 

15

 

 

 

296

 

Real estate secured by 1st lien on 1-4 family properties-personal

 

 

111

 

 

 

—

 

 

 

—

 

 

 

111

 

Real estate secured by junior lien on 1-4 family properties-personal

 

 

14

 

 

 

—

 

 

 

—

 

 

 

14

 

Other consumer

 

 

—

 

 

 

16

 

 

 

—

 

 

 

16

 

Total

 

$

9,728

 

 

$

512

 

 

$

167

 

 

$

10,407

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(1) Secured by business assets, personal property and equipment or guarantees

 

 

 

 

December 31, 2025

 

Real Estate Secured

 

 

Other (1)

 

 

Deficiency in Collateral

 

 

Total Collateral Dependent Nonaccrual Loans

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

405

 

 

$

—

 

 

$

134

 

 

$

539

 

Construction and land development

 

 

4,925

 

 

 

—

 

 

 

1,371

 

 

 

6,296

 

Real estate secured by multi-family properties

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Real estate secured by owner-occupied properties

 

 

134

 

 

 

—

 

 

 

—

 

 

 

134

 

Real estate secured by other commercial properties

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Revolving real estate secured by 1-4 family properties-business

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Real estate secured by 1st lien on 1-4 family properties-business

 

 

317

 

 

 

—

 

 

 

—

 

 

 

317

 

Real estate secured by junior lien on 1-4 family properties-business

 

 

110

 

 

 

—

 

 

 

129

 

 

 

239

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

815

 

 

 

—

 

 

 

—

 

 

 

815

 

Construction-individual

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Revolving home equity secured by 1-4 family properties-personal

 

 

290

 

 

 

—

 

 

 

15

 

 

 

305

 

Real estate secured by 1st lien on 1-4 family properties-personal

 

 

113

 

 

 

—

 

 

 

—

 

 

 

113

 

Real estate secured by junior lien on 1-4 family properties-personal

 

 

15

 

 

 

—

 

 

 

—

 

 

 

15

 

Other consumer

 

 

—

 

 

 

20

 

 

 

—

 

 

 

20

 

Total

 

$

7,124

 

 

$

20

 

 

$

1,649

 

 

$

8,793