Business Segments for the Three Months Ended

June 30, 2025

Dollars in Thousands

Community Banking

Mortgage Banking

Investment Advisory

Holding Company

Eliminations (1)

Consolidated

Interest income

$        11,638 

$              - 

$                - 

$              - 

$                   - 

$         11,638 

Interest expense

3,186 

-

-

168 

34 

3,388 

Net interest income

8,452 

-

-

(168)

(34)

8,250 

Gains on sales of loans

-

1,589 

-

-

-

1,589 

Other noninterest income

1,217 

-

1,300 

2,845 

(2,876)

2,486 

Net revenue

9,669 

1,589 

1,300 

2,677 

(2,910)

12,325 

Less:

Provision for credit losses

(528)

-

-

-

-

(528)

Noninterest expense:

Salaries and employee benefits

4,013 

903 

442 

-

(1)

5,357 

Occupancy

502 

27 

32 

-

(64)

497 

Equipment

631 

14 

10 

(1)

-

654 

Supplies

153 

5 

10 

-

-

168 

Professional and other outside expenses

715 

-

24 

16 

-

755 

Data processing

782 

-

-

-

-

782 

Marketing

222 

-

7 

8 

-

237 

Credit expense

43 

220 

-

-

-

263 

FDIC insurance expense

120 

-

-

-

-

120 

Amortization of intangibles

-

-

140 

-

-

140 

Other

409 

51 

21 

1 

-

482 

Total noninterest expense

7,590 

1,220 

686 

24 

(65)

9,455 

Segment income before income taxes

2,607 

369 

614 

2,653 

(2,845)

3,398 

Allocated income tax expense

502 

78 

166 

(52)

-

694 

Segment net income

$          2,105 

$         291 

$           448 

$      2,705 

$          (2,845)

$           2,704 

Segment assets at June 30, 2025

$      996,032 

$      3,992 

$      11,517 

$  104,891 

$      (112,190)

$    1,004,242 

Supplemental Data at June 30, 2025:

Total loans held for investment, net

$      649,089 

$              - 

$                - 

$              - 

$                   - 

$       649,089 

Total deposits

$      915,417 

$              - 

$                - 

$              - 

$          (4,890)

$       910,527 

Assets under management

$                 - 

$              - 

$    929,957 

$              - 

$                   - 

$       929,957 

Business Segments for the Six Months Ended

June 30, 2026

Dollars in Thousands

Community Banking

Mortgage Banking

Investment Advisory

Holding Company

Eliminations (1)

Consolidated

Interest income

$         24,136 

$                - 

$                - 

$             - 

$                  - 

$           24,136 

Interest expense

5,902 

-

-

246 

-

6,148 

Net interest income

18,234 

-

-

(246)

17,988 

Gains on sales of loans

-

2,725 

-

-

-

2,725 

Other noninterest income

2,899 

-

2,879 

6,245 

(6,308)

5,715 

Net revenue

21,133 

2,725 

2,879 

5,999 

(6,308)

26,428 

Less:

Provision credit losses

204 

-

-

-

-

204 

Noninterest expense:

Salaries and employee benefits

8,300 

1,747 

963 

-

-

11,010 

Occupancy

1,065 

61 

68 

-

(63)

1,131 

Equipment

1,370 

31 

52 

-

-

1,453 

Supplies

264 

11 

17 

-

-

292 

Professional and other outside expenses

1,442 

-

41 

43 

-

1,526 

Data processing

994 

-

-

-

-

994 

Marketing

410 

3 

8 

26 

-

447 

Credit expense

98 

351 

-

-

-

449 

FDIC insurance expense

254 

-

-

-

-

254 

Amortization of intangibles

-

-

280 

-

-

280 

Other

710 

73 

56 

1 

-

840 

Total noninterest expense

14,907 

2,277 

1,485 

70 

(63)

18,676 

Segment income before income taxes

6,022 

448 

1,394 

5,929 

(6,245)

7,548 

Allocated income tax expense

1,149 

94 

376 

(85)

-

1,534 

Segment net income

$           4,873 

$           354 

$        1,018 

$     6,014 

$        (6,245)

$             6,014 

Segment assets at June 30, 2026

$    1,027,806 

$        5,751 

$        9,893 

$ 109,215 

$    (111,358)

$      1,041,307 

Supplemental Data at June 30, 2026:

Total loans held for investment, net

$       686,084 

$                - 

$                - 

$             - 

$                  - 

$         686,084 

Total deposits

$       942,124 

$                - 

$                - 

$             - 

$        (6,940)

$         935,184 

Assets under management

$                   - 

$                - 

$ 1,091,367 

$             - 

$                  - 

$      1,091,367