| Schedule of activity in the allowance for credit losses by portfolio segment |
| | | | | | | | | | | | | | | | | | Residential | | | | | | | | | Commercial | | Real Estate | | Consumer | | Total | For the three months ended June 30, 2026 | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | Balances at March 31, 2026 | | $ | 130,195 | | $ | 1,033,149 | | $ | 5,523 | | $ | 1,168,867 | Recovery of credit losses on loans | | | (7,064) | | | (43,010) | | | (3,344) | | | (53,418) | Loans charged off | | | — | | | — | | | — | | | — | Recoveries of loans previously charged off | | | — | | | — | | | 3,402 | | | 3,402 | Balances at June 30, 2026 | | | 123,131 | | | 990,139 | | | 5,581 | | | 1,118,851 | | | | | | | | | | | | | | Reserve for unfunded loan commitments | | | | | | | | | | | | | Balance at March 31, 2026 | | | | | | | | | | | $ | 66,280 | Recovery of credit losses on unfunded loan commitments | | | | | | | | | | | | (266) | Balance at June 30, 2026 | | | | | | | | | | | $ | 66,014 | | | | | | | | | | | | | | For the six months ended June 30, 2026 | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | Balances at December 31, 2025 | | | 137,257 | | | 995,084 | | | 6,259 | | | 1,138,600 | Recovery of credit losses on loans | | | (14,126) | | | (4,945) | | | (4,117) | | | (23,188) | Loans charged off | | | — | | | — | | | (891) | | | (891) | Recoveries of loans previously charged off | | | — | | | — | | | 4,330 | | | 4,330 | Balances at June 30, 2026 | | $ | 123,131 | | $ | 990,139 | | $ | 5,581 | | $ | 1,118,851 | | | | | | | | | | | | | | Reserve for unfunded loan commitments | | | | | | | | | | | | | Balance at December 31, 2025 | | | | | | | | | | | $ | 47,183 | Provision for credit losses on unfunded loan commitments | | | | | | | | | | | | 18,831 | Balance at June 30, 2026 | | | | | | | | | | | $ | 66,014 | | | | | | | | | | | | | | For the three months ended June 30, 2025 | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | Balances at March 31, 2025 | | $ | 56,652 | | $ | 1,046,443 | | $ | 8,513 | | $ | 1,111,608 | Provision for (recovery of) credit losses on loans | | | 520 | | | (8,084) | | | (3,679) | | | (11,243) | Loans charged off | | | — | | | — | | | (1,504) | | | (1,504) | Recoveries of loans previously charged off | | | — | | | — | | | — | | | — | Balances at June 30, 2025 | | | 57,172 | | | 1,038,359 | | | 3,330 | | | 1,098,861 | | | | | | | | | | | | | | Reserve for unfunded loan commitments | | | | | | | | | | | | | Balance at March 31, 2025 | | | | | | | | | | | $ | 35,041 | Provision for credit losses on unfunded loan commitments | | | | | | | | | | | | — | Balance at June 30, 2025 | | | | | | | | | | | $ | 35,041 | | | | | | | | | | | | | | For the six months ended June 30, 2025 | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | Balance at December 31, 2024 | | $ | 63,531 | | $ | 1,138,183 | | $ | 6,435 | | $ | 1,208,149 | Provision for (recovery of) credit losses on loans | | | (6,359) | | | (99,824) | | | 1,805 | | | (104,378) | Loans charged off | | | — | | | — | | | (4,910) | | | (4,910) | Recoveries of loans previously charged off | | | — | | | — | | | — | | | — | Balance at June 30, 2025 | | | 57,172 | | | 1,038,359 | | | 3,330 | | | 1,098,861 | | | | | | | | | | | | | | Reserve for unfunded loan commitments | | | | | | | | | | | | | Balance at December 31, 2024 | | | | | | | | | | | $ | 35,041 | Provision for credit losses on unfunded loan commitments | | | | | | | | | | | | — | Balance at June 30, 2025 | | | | | | | | | | | $ | 35,041 |
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| Schedule of loan portfolio by risk classification and origination year |
Information regarding the loan portfolio by risk classification and origination year as of June 30, 2026, follows: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | | | | | | | | | | | | | | | | | | | | | | | | | Loans | | | | | | | | | | | | | | | | | | | | | | | | | | | Converted to | | | | | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Revolving | | Term Loans | | Total | Other construction and land/land development | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 181,236 | | $ | 259,462 | | $ | 545,630 | | $ | 32,077 | | $ | 55,970 | | $ | 54,817 | | $ | — | | $ | — | | $ | 1,129,192 | Special Mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | 181,236 | | | 259,462 | | | 545,630 | | | 32,077 | | | 55,970 | | | 54,817 | | | — | | | — | | | 1,129,192 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Commercial real estate | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 1,575,432 | | | 2,234,902 | | | 1,262,634 | | | — | | | 827,298 | | | 1,081,553 | | | 59,860 | | | — | | | 7,041,679 | Special Mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | 1,575,432 | | | 2,234,902 | | | 1,262,634 | | | — | | | 827,298 | | | 1,081,553 | | | 59,860 | | | — | | | 7,041,679 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Commercial and industrial | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 158,098 | | | 1,642,544 | | | 15,831 | | | — | | | — | | | — | | | 867,743 | | | — | | | 2,684,216 | Special Mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | 158,098 | | | 1,642,544 | | | 15,831 | | | — | | | — | | | — | | | 867,743 | | | — | | | 2,684,216 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Municipal | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | — | | | — | | | — | | | — | | | — | | | 43,576 | | | — | | | — | | | 43,576 | Special Mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 43,576 | | $ | — | | $ | — | | $ | 43,576 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Residential construction | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 849,615 | | $ | 840,056 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 1,689,671 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | 849,615 | | | 840,056 | | | — | | | — | | | — | | | — | | | — | | | — | | | 1,689,671 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Revolving, open-end | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | — | | | — | | | — | | | — | | | — | | | — | | | 4,427,561 | | | — | | | 4,427,561 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | — | | | — | | | — | | | — | | | — | | | — | | | 4,427,561 | | | — | | | 4,427,561 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | First liens | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 5,215,114 | | | 6,100,229 | | | 7,203,833 | | | 7,115,759 | | | 10,905,012 | | | 37,512,937 | | | — | | | — | | | 74,052,884 | Nonperforming | | | — | | | — | | | — | | | 455,222 | | | — | | | — | | | — | | | — | | | 455,222 | Totals | | | 5,215,114 | | | 6,100,229 | | | 7,203,833 | | | 7,570,981 | | | 10,905,012 | | | 37,512,937 | | | — | | | — | | | 74,508,106 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Junior liens | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 273,982 | | | 471,799 | | | 336,679 | | | 37,341 | | | 118,998 | | | 12,113 | | | — | | | — | | | 1,250,912 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | 273,982 | | | 471,799 | | | 336,679 | | | 37,341 | | | 118,998 | | | 12,113 | | | — | | | — | | | 1,250,912 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Consumer | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 197,025 | | | 383,622 | | | 158,729 | | | 135,247 | | | 5,278 | | | 101,910 | | | — | | | — | | | 981,811 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | $ | 197,025 | | $ | 383,622 | | $ | 158,729 | | $ | 135,247 | | $ | 5,278 | | $ | 101,910 | | $ | — | | $ | — | | $ | 981,811 | Current period gross charge offs | | | — | | | 891 | | | — | | | — | | | — | | | — | | | — | | | — | | | 891 |
Information regarding the loan portfolio by risk classification and origination year as of December 31, 2025, follows: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | | | | | | | | | | | | | | | | | | | | | | | | | Loans | | | | | | | | | | | | | | | | | | | | | | | | | | | Converted to | | | | | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Revolving | | Term Loans | | Total | Other construction and land/land development | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 354,590 | | $ | 575,616 | | $ | 34,818 | | $ | 61,851 | | $ | 47,771 | | $ | 12,543 | | $ | — | | $ | — | | $ | 1,087,189 | Special Mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | 354,590 | | | 575,616 | | | 34,818 | | | 61,851 | | | 47,771 | | | 12,543 | | | — | | | — | | | 1,087,189 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Commercial real estate | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 2,855,732 | | | 1,326,304 | | | — | | | 860,452 | | | 966,081 | | | 1,115,255 | | | 24,002 | | | — | | | 7,147,826 | Special Mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | 2,855,732 | | | 1,326,304 | | | — | | | 860,452 | | | 966,081 | | | 1,115,255 | | | 24,002 | | | — | | | 7,147,826 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Commercial and industrial | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 1,470,768 | | | 21,623 | | | 2,865 | | | — | | | — | | | 65,974 | | | 657,840 | | | — | | | 2,219,070 | Special Mention | | | 98,009 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | 98,009 | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | 1,568,777 | | | 21,623 | | | 2,865 | | | — | | | — | | | 65,974 | | | 657,840 | | | — | | | 2,317,079 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Municipal | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | — | | | — | | | — | | | — | | | — | | | 46,214 | | | — | | | — | | | 46,214 | Special Mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | — | | | — | | | — | | | — | | | — | | | 46,214 | | | — | | | — | | | 46,214 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Residential construction | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 888,416 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 888,416 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | 888,416 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | 888,416 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Revolving, open-end | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | — | | | — | | | — | | | — | | | — | | | — | | | 3,464,812 | | | — | | | 3,464,812 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | — | | | — | | | — | | | — | | | — | | | — | | | 3,464,812 | | | — | | | 3,464,812 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | First liens | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 5,423,253 | | | 8,611,224 | | | 8,115,642 | | | 11,451,615 | | | 13,761,538 | | | 25,692,748 | | | — | | | — | | | 73,056,020 | Nonperforming | | | — | | | — | | | 792,885 | | | — | | | — | | | 57,825 | | | — | | | — | | | 850,710 | Totals | | | 5,423,253 | | | 8,611,224 | | | 8,908,527 | | | 11,451,615 | | | 13,761,538 | | | 25,750,573 | | | — | | | — | | | 73,906,730 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Junior liens | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 638,011 | | | 390,630 | | | 79,447 | | | 125,061 | | | — | | | 30,578 | | | — | | | — | | | 1,263,727 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Totals | | | 638,011 | | | 390,630 | | | 79,447 | | | 125,061 | | | — | | | 30,578 | | | — | | | — | | | 1,263,727 | Current period gross charge offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Consumer | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 569,215 | | | 284,421 | | | 195,104 | | | 27,231 | | | 59,335 | | | 63,622 | | | — | | | — | | | 1,198,928 | Nonperforming | | | 891 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | 891 | Totals | | $ | 570,106 | | $ | 284,421 | | $ | 195,104 | | $ | 27,231 | | $ | 59,335 | | $ | 63,622 | | $ | — | | $ | — | | $ | 1,199,819 | Current period gross charge offs | | | — | | | 928 | | | 1,504 | | | 3,406 | | | — | | | — | | | — | | | — | | | 5,838 |
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| Schedule of loan aging information |
| | | | | | | | | | | | | | | | | | | | | Loans Past Due | | Loans Past Due | | Loans Past Due | | | | | | Current Loans | | 30 – 59 Days | | 60 – 89 Days | | 90+ Days | | Total Loans | June 30, 2026 | | | | | | | | | | | | | | | | Other construction and land/land development | | $ | 1,129,192 | | $ | — | | $ | — | | $ | — | | $ | 1,129,192 | Commercial real estate | | | 7,041,679 | | | — | | | — | | | — | | | 7,041,679 | Commercial and industrial | | | 2,684,216 | | | — | | | — | | | — | | | 2,684,216 | Municipal | | | 43,576 | | | — | | | — | | | — | | | 43,576 | Residential construction | | | 1,689,671 | | | — | | | — | | | — | | | 1,689,671 | Revolving, open-end | | | 4,227,811 | | | 199,750 | | | — | | | — | | | 4,427,561 | First liens | | | 74,016,671 | | | — | | | 36,213 | | | 455,222 | | | 74,508,106 | Junior liens | | | 1,250,912 | | | — | | | — | | | — | | | 1,250,912 | Consumer | | | 981,811 | | | — | | | — | | | — | | | 981,811 | Total | | $ | 93,065,539 | | $ | 199,750 | | $ | 36,213 | | $ | 455,222 | | $ | 93,756,724 | December 31, 2025 | | | | | | | | | | | | | | | | Other construction and land/land development | | $ | 1,087,189 | | $ | — | | $ | — | | $ | — | | $ | 1,087,189 | Commercial real estate | | | 7,147,826 | | | — | | | — | | | — | | | 7,147,826 | Commercial and industrial | | | 2,317,079 | | | — | | | — | | | — | | | 2,317,079 | Municipal | | | 46,214 | | | — | | | — | | | — | | | 46,214 | Residential construction | | | 888,416 | | | — | | | — | | | — | | | 888,416 | Revolving, open-end | | | 3,464,812 | | | — | | | — | | | — | | | 3,464,812 | First liens | | | 73,056,020 | | | 336,238 | | | 514,472 | | | — | | | 73,906,730 | Junior liens | | | 1,263,727 | | | — | | | — | | | — | | | 1,263,727 | Consumer | | | 1,198,928 | | | 891 | | | — | | | — | | | 1,199,819 | Total | | $ | 90,470,211 | | $ | 337,129 | | $ | 514,472 | | $ | — | | $ | 91,321,812 |
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