| Schedule of Loans Outstanding |
| | June 30, 2026 | | | December 31, 2025 | | 1-4 Family residential construction | | $ | 22,997 | | | $ | 31,118 | | Other construction, land development and land | | | 43,927 | | | | 39,187 | | Secured by farmland | | | 126,864 | | | | 115,000 | | Home equity – open end | | | 57,243 | | | | 51,393 | | Real estate | | | 265,141 | | | | 243,361 | | Home equity – closed end | | | 5,948 | | | | 5,980 | | Multifamily | | | 25,865 | | | | 18,854 | | Owner-occupied commercial real estate | | | 92,564 | | | | 96,651 | | Other commercial real estate | | | 119,997 | | | | 114,434 | | Agricultural loans | | | 21,777 | | | | 20,127 | | Commercial and industrial | | | 60,621 | | | | 56,885 | | Credit cards | | | 3,487 | | | | 3,387 | | Automobile loans | | | 65,982 | | | | 77,080 | | Other consumer loans | | | 9,617 | | | | 9,132 | | Municipal loans | | | 3,823 | | | | 4,219 | | Gross loans | | | 925,853 | | | | 886,808 | | Unamortized net deferred loan fees | | | (586 | ) | | | (555 | ) | Less allowance for credit losses | | | 8,085 | | | | 7,818 | | Net loans | | $ | 917,182 | | | $ | 878,435 | |
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