The following table shows the aging of the Corporation’s loan portfolio, by class, at June 30, 2026.


		30-59		60-89		90+								90+ Days
		Days		Days		Days		Total						Past Due and
(Dollars in thousands)		Past Due		Past Due		Past Due		Past Due		Current¹		Total Loans		Accruing
Commercial real estate		$	—	$	—	$	—	$	—	$	919,472	$	919,472	$	—
Commercial business			57		—		—		57		125,174		125,231		—
Construction - commercial real estate			—		—		—		—		40,851		40,851		—
Land acquisition and development			—		—		—		—		87,096		87,096		—
Builder lines			—		—		—		—		32,576		32,576		—
Construction - consumer real estate			—		—		—		—		32,015		32,015		—
Residential mortgage			677		101		1,102		1,880		323,919		325,799		142
Equity lines			125		41		75		241		82,254		82,495		75
Other consumer			78		41		12		131		10,526		10,657		—
Consumer finance - automobiles			13,263		1,983		645		15,891		389,027		404,918		—
Consumer finance - marine and recreational vehicles			343		—		—		343		51,336		51,679		—
Total		$	14,543	$	2,166	$	1,834	$	18,543	$	2,094,246	$	2,112,789	$	217

1

For the purposes of the table above, “Current” includes loans that are 1-29 days past due.

The following table shows the aging of the Corporation’s loan portfolio, by class, at December 31, 2025.


		30-59		60-89		90+								90+ Days
		Days		Days		Days		Total						Past Due and
(Dollars in thousands)		Past Due		Past Due		Past Due		Past Due		Current¹		Total Loans		Accruing
Commercial real estate		$	—	$	262	$	—	$	262	$	835,170	$	835,432	$	—
Commercial business			8		—		—		8		115,702		115,710		—
Construction - commercial real estate			—		—		—		—		99,604		99,604		—
Land acquisition and development			—		—		—		—		66,248		66,248		—
Builder lines			—		—		—		—		37,938		37,938		—
Construction - consumer real estate			—		—		—		—		29,288		29,288		—
Residential mortgage			1,019		111		813		1,943		317,593		319,536		—
Equity lines			155		65		23		243		76,217		76,460		23
Other consumer			17		—		—		17		10,068		10,085		—
Consumer finance - automobiles			16,741		2,129		1,022		19,892		386,420		406,312		—
Consumer finance - marine and recreational vehicles			429		37		—		466		57,497		57,963		—
Total		$	18,369	$	2,604	$	1,858	$	22,831	$	2,031,745	$	2,054,576	$	23

1For the purposes of the table above, “Current” includes loans that are 1-29 days past due.

Summary of amortized cost basis of loans that were both experiencing financial difficulty and modified

Three Months Ended June 30, 2026

Six Months Ended June 30, 2026

% of Total

Amortized

Class of

Amortized

Class of

(Dollars in thousands)

 

Cost

Loans

Cost

Loans

Term Extension

Builder lines

$

69

0.2

%

$

69

0.2

%

Total Term Extension

$

69

0.2

%

$

69

0.2

%

Combination Term Extension and Interest Rate Reduction

Residential mortgage

$

114

0.0

%

$

114

0.0

%

Total Combination Term Extension and Interest Rate Reduction

$

114

0.0

%

$

114

0.0

%

Total

$

183

0.0

%

$

183

0.0

%


		Three Months Ended June 30, 2025					Six Months Ended June 30, 2025
				% of Total					% of Total
		Amortized		Class of			Amortized		Class of
(Dollars in thousands)		Cost		Loans			Cost		Loans
Term Extension
Commercial real estate		$	3,554		0.5	%	$	3,554		0.5	%
Total Term Extension		$	3,554				$	3,554

Total		$	3,554		0.2	%	$	3,554		0.2	%

Three Months Ended June 30, 2026

Six Months Ended June 30, 2026

Weighted-

Average

Interest

Term

Interest

Term

Rate

Extension

Rate

Extension

Reduction

(in years)

Reduction

(in years)

Builder lines

—

%

0.3

—

%

0.3

Residential mortgage

1.13

2.0

1.13

2.0

Total

1.13

%

1.3

1.13

%

1.3

Three Months Ended June 30, 2025

Six Months Ended June 30, 2025

Weighted-

Average

Interest

Term

Interest

Term

Rate

Extension

Rate

Extension

Reduction

(in years)

Reduction

(in years)

Commercial real estate

—

%

1.1

—

%

1.1

Total

—

%

1.1

—

%

1.1