June 30,

December 31,

(Dollars in thousands)

2026

2025

Residential real estate 1-4 family

Consumer first liens

$

233,681

$

213,440

Commercial first lien

62,714

63,457

Total first liens

296,395

276,897

Consumer junior liens and lines of credit

89,192

84,650

Commercial junior liens and lines of credit

7,475

6,839

Total junior liens and lines of credit

96,667

91,489

Total residential real estate 1-4 family

393,062

368,386

Residential real estate - construction

Consumer

38,422

29,609

Commercial

15,656

24,516

Total residential real estate construction

54,078

54,125

Commercial real estate

949,366

903,571

Commercial

205,879

225,499

Total commercial

1,155,245

1,129,070

Consumer

8,234

9,657

1,610,619

1,561,238

Less: Allowance for credit losses

(21,864)

(20,655)

Net Loans

$

1,588,755

$

1,540,583

Included in the loan balances are the following:

Net unamortized deferred loan costs

$

2,013

$

1,766

Loans pledged as collateral for borrowings and commitments from:

FHLB

$

886,497

$

863,693

Federal Reserve Bank

100,627

193,640

$

987,124

$

1,057,333