The Company reports as comprehensive income (loss) all changes in shareholders’ equity during the year from sources other than shareholders. Other comprehensive income (loss) refers to all components (revenues, expenses, gains, and losses) of comprehensive income (loss) that are excluded from net income. The Company’s only component of other comprehensive income (loss) is unrealized gains and losses, net of income tax, on investment securities available for sale.

The following table presents the changes in accumulated other comprehensive loss for the three and six months ended June 30, 2026 and 2025:


	For the Three Months Ended June 30,						For the Six Months Ended June 30,
	2026			2025			2026			2025
	(dollars in thousands)
Beginning balance	$	(18,254	)	$	(22,328	)	$	(16,555	)	$	(24,727	)
Other comprehensive income (loss) before reclassifications, net of ($323), ($245), $106, and ($947) tax effect, respectively		1,123			825			(430	)		3,224
Amounts reclassified from accumulated other comprehensive income (loss), net of $0, $0, $40, and $0 tax effect, respectively		—			—			(146	)		—
Net current-period other comprehensive income (loss)		1,123			825			(576	)		3,224
Ending balance	$	(17,131	)	$	(21,503	)	$	(17,131	)	$	(21,503	)