Loans and Allowance for Credit Losses (Tables)
|
6 Months Ended |
Jun. 30, 2026 |
|---|
| Receivables [Abstract] |
|
| Schedule of Categories of Loans |
Categories of loans include:
|
|
|
|
|
|
|
|
|
June 30, |
|
|
December 31, |
|
|
2026 |
|
|
2025 |
|
Real Estate Loans: |
|
|
|
|
|
1-4 Family, including construction |
$ |
41,669,345 |
|
|
$ |
35,146,513 |
|
Multifamily |
|
4,927,066 |
|
|
|
4,023,910 |
|
Commercial |
|
60,729,639 |
|
|
|
54,409,430 |
|
Construction and development |
|
4,472,242 |
|
|
|
4,063,650 |
|
Farmland |
|
4,341,940 |
|
|
|
4,386,528 |
|
Other Loans: |
|
|
|
|
|
Consumer |
|
5,340,176 |
|
|
|
4,470,587 |
|
Commercial and industrial |
|
16,263,250 |
|
|
|
12,554,862 |
|
Total loans |
|
137,743,658 |
|
|
|
119,055,480 |
|
Allowance for credit losses |
|
(1,166,219 |
) |
|
|
(1,034,193 |
) |
Deferred loan fees, net |
|
(288,138 |
) |
|
|
(244,030 |
) |
Unearned dealer interest |
|
33,297 |
|
|
|
39,260 |
|
Net loans |
$ |
136,322,598 |
|
|
$ |
117,816,517 |
|
|
| Schedule of Balances of Allowance for Credit Losses by Portfolio Segment |
The following tables present the activity in and balances of the allowance for credit losses by portfolio segment as of and for the three and six months ended June 30, 2026 and 2025 and as of and for the year ended December 31, 2025:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Provision for |
|
|
|
|
|
|
|
|
|
|
Three Months Ended |
|
April 1, |
|
|
(recovery of) |
|
|
|
|
|
|
|
|
June 30, |
|
June 30, 2026 |
|
2026 |
|
|
credit losses |
|
|
Charge-offs |
|
|
Recoveries |
|
|
2026 |
|
Real Estate Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including construction |
|
$ |
320,172 |
|
|
$ |
31,162 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
351,334 |
|
Multifamily |
|
|
7,397 |
|
|
|
10,055 |
|
|
|
— |
|
|
|
— |
|
|
|
17,452 |
|
Commercial |
|
|
418,863 |
|
|
|
(14,273 |
) |
|
|
— |
|
|
|
1,944 |
|
|
|
406,534 |
|
Construction and development |
|
|
134,591 |
|
|
|
(44,427 |
) |
|
|
— |
|
|
|
— |
|
|
|
90,164 |
|
Farmland |
|
|
6,567 |
|
|
|
(478 |
) |
|
|
— |
|
|
|
— |
|
|
|
6,089 |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
75,849 |
|
|
|
4,417 |
|
|
|
(147 |
) |
|
|
471 |
|
|
|
80,590 |
|
Commercial and industrial |
|
|
157,562 |
|
|
|
56,494 |
|
|
|
— |
|
|
|
— |
|
|
|
214,056 |
|
Total allowance for credit losses
on loans |
|
|
1,121,001 |
|
|
|
42,950 |
|
|
|
(147 |
) |
|
|
2,415 |
|
|
|
1,166,219 |
|
Allowance for credit losses on
unfunded commitments |
|
|
47,487 |
|
|
|
(18,810 |
) |
|
|
— |
|
|
|
— |
|
|
|
28,677 |
|
Total allowance for credit losses |
|
$ |
1,168,488 |
|
|
$ |
24,140 |
|
|
$ |
(147 |
) |
|
$ |
2,415 |
|
|
$ |
1,194,896 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Provision for |
|
|
|
|
|
|
|
|
|
|
Three Months Ended |
|
April 1, |
|
|
(recovery of) |
|
|
|
|
|
|
|
|
June 30, |
|
June 30, 2025 |
|
2025 |
|
|
credit losses |
|
|
Charge-offs |
|
|
Recoveries |
|
|
2025 |
|
Real Estate Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including construction |
|
$ |
453,896 |
|
|
$ |
(10,499 |
) |
|
$ |
(69 |
) |
|
$ |
— |
|
|
$ |
443,328 |
|
Multifamily |
|
|
8,610 |
|
|
|
(255 |
) |
|
|
— |
|
|
|
— |
|
|
|
8,355 |
|
Commercial |
|
|
433,234 |
|
|
|
(36,139 |
) |
|
|
(3,269 |
) |
|
|
23,863 |
|
|
|
417,689 |
|
Construction and development |
|
|
37,663 |
|
|
|
53,526 |
|
|
|
— |
|
|
|
— |
|
|
|
91,189 |
|
Farmland |
|
|
5,636 |
|
|
|
1,340 |
|
|
|
— |
|
|
|
— |
|
|
|
6,976 |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
79,187 |
|
|
|
(5,374 |
) |
|
|
(195 |
) |
|
|
1,132 |
|
|
|
74,750 |
|
Commercial and industrial |
|
|
107,634 |
|
|
|
(2,599 |
) |
|
|
— |
|
|
|
1,765 |
|
|
|
106,800 |
|
Total allowance for credit losses
on loans |
|
|
1,125,860 |
|
|
|
— |
|
|
|
(3,533 |
) |
|
|
26,760 |
|
|
|
1,149,087 |
|
Allowance for credit losses on
unfunded commitments |
|
|
23,950 |
|
|
|
8,750 |
|
|
|
— |
|
|
|
— |
|
|
|
32,700 |
|
Total allowance for credit losses |
|
$ |
1,149,810 |
|
|
$ |
8,750 |
|
|
$ |
(3,533 |
) |
|
$ |
26,760 |
|
|
$ |
1,181,787 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Provision for |
|
|
|
|
|
|
|
|
|
|
Six Months Ended |
|
January 1, |
|
|
(recovery of) |
|
|
|
|
|
|
|
|
June 30, |
|
June 30, 2026 |
|
2026 |
|
|
credit losses |
|
|
Charge-offs |
|
|
Recoveries |
|
|
2026 |
|
Real Estate Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including construction |
|
$ |
312,091 |
|
|
$ |
39,243 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
351,334 |
|
Multifamily |
|
|
7,613 |
|
|
|
9,839 |
|
|
|
— |
|
|
|
— |
|
|
|
17,452 |
|
Commercial |
|
|
363,132 |
|
|
|
43,418 |
|
|
|
(16 |
) |
|
|
— |
|
|
|
406,534 |
|
Construction and development |
|
|
88,647 |
|
|
|
1,517 |
|
|
|
— |
|
|
|
— |
|
|
|
90,164 |
|
Farmland |
|
|
5,936 |
|
|
|
153 |
|
|
|
— |
|
|
|
— |
|
|
|
6,089 |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
88,032 |
|
|
|
(7,864 |
) |
|
|
(349 |
) |
|
|
771 |
|
|
|
80,590 |
|
Commercial and industrial |
|
|
168,742 |
|
|
|
41,244 |
|
|
|
— |
|
|
|
4,070 |
|
|
|
214,056 |
|
Total allowance for credit losses
on loans |
|
|
1,034,193 |
|
|
|
127,550 |
|
|
|
(365 |
) |
|
|
4,841 |
|
|
|
1,166,219 |
|
Allowance for credit losses on
unfunded commitments |
|
|
59,287 |
|
|
|
(30,610 |
) |
|
|
— |
|
|
|
— |
|
|
|
28,677 |
|
Total allowance for credit losses |
|
$ |
1,093,480 |
|
|
$ |
96,940 |
|
|
$ |
(365 |
) |
|
$ |
4,841 |
|
|
$ |
1,194,896 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Provision for |
|
|
|
|
|
|
|
|
|
|
Six Months Ended |
|
January 1, |
|
|
(recovery of) |
|
|
|
|
|
|
|
|
June 30, |
|
June 30, 2025 |
|
2025 |
|
|
credit losses |
|
|
Charge-offs |
|
|
Recoveries |
|
|
2025 |
|
Real Estate Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including construction |
|
$ |
471,164 |
|
|
$ |
(14,962 |
) |
|
$ |
(12,874 |
) |
|
$ |
— |
|
|
$ |
443,328 |
|
Multifamily |
|
|
10,150 |
|
|
|
(1,795 |
) |
|
|
— |
|
|
|
— |
|
|
|
8,355 |
|
Commercial |
|
|
452,406 |
|
|
|
(51,957 |
) |
|
|
(6,623 |
) |
|
|
23,863 |
|
|
|
417,689 |
|
Construction and development |
|
|
24,529 |
|
|
|
66,660 |
|
|
|
— |
|
|
|
— |
|
|
|
91,189 |
|
Farmland |
|
|
6,838 |
|
|
|
138 |
|
|
|
— |
|
|
|
— |
|
|
|
6,976 |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
90,013 |
|
|
|
12,235 |
|
|
|
(28,630 |
) |
|
|
1,132 |
|
|
|
74,750 |
|
Commercial and industrial |
|
|
107,111 |
|
|
|
(11,319 |
) |
|
|
— |
|
|
|
11,008 |
|
|
|
106,800 |
|
Total allowance for credit losses
on loans |
|
|
1,162,211 |
|
|
|
(1,000 |
) |
|
|
(48,127 |
) |
|
|
36,003 |
|
|
|
1,149,087 |
|
Allowance for credit losses on
unfunded commitments |
|
|
22,950 |
|
|
|
9,750 |
|
|
|
— |
|
|
|
— |
|
|
|
32,700 |
|
Total allowance for credit losses |
|
$ |
1,185,161 |
|
|
$ |
8,750 |
|
|
$ |
(48,127 |
) |
|
$ |
36,003 |
|
|
$ |
1,181,787 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Provision for |
|
|
|
|
|
|
|
|
|
|
|
|
January 1, |
|
|
(recovery of) |
|
|
|
|
|
|
|
|
December 31, |
|
December 31, 2025 |
|
2025 |
|
|
credit losses |
|
|
Charge-offs |
|
|
Recoveries |
|
|
2025 |
|
Real Estate Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including construction |
|
$ |
471,164 |
|
|
$ |
(43,872 |
) |
|
$ |
(115,201 |
) |
|
$ |
— |
|
|
$ |
312,091 |
|
Multifamily |
|
|
10,150 |
|
|
|
(2,537 |
) |
|
|
— |
|
|
|
— |
|
|
|
7,613 |
|
Commercial |
|
|
452,406 |
|
|
|
(74,319 |
) |
|
|
(43,612 |
) |
|
|
28,657 |
|
|
|
363,132 |
|
Construction and development |
|
|
24,529 |
|
|
|
64,118 |
|
|
|
— |
|
|
|
— |
|
|
|
88,647 |
|
Farmland |
|
|
6,838 |
|
|
|
(902 |
) |
|
|
— |
|
|
|
— |
|
|
|
5,936 |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
90,013 |
|
|
|
26,809 |
|
|
|
(30,072 |
) |
|
|
1,282 |
|
|
|
88,032 |
|
Commercial and industrial |
|
|
107,111 |
|
|
|
35,755 |
|
|
|
(7,074 |
) |
|
|
32,950 |
|
|
|
168,742 |
|
Total allowance for credit losses
on loans |
|
|
1,162,211 |
|
|
|
5,052 |
|
|
|
(195,959 |
) |
|
|
62,889 |
|
|
|
1,034,193 |
|
Allowance for credit losses on
unfunded comitments |
|
|
22,950 |
|
|
|
36,337 |
|
|
|
— |
|
|
|
— |
|
|
|
59,287 |
|
Total allowance for credit losses |
|
$ |
1,185,161 |
|
|
$ |
41,389 |
|
|
$ |
(195,959 |
) |
|
$ |
62,889 |
|
|
$ |
1,093,480 |
|
|
| Schedule of Credit Quality Indicators |
Information regarding the credit quality indicators most closely monitored for other than residential real estate and consumer loans by class as of June 30, 2026 and December 31, 2025, is as follows:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Amortized Cost Basis by Origination Year |
|
|
|
|
|
|
2026 |
|
|
2025 |
|
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
Prior |
|
|
Total |
|
June 30, 2026 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real Estate Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Multifamily: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
1,144,000 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
1,094,842 |
|
|
$ |
2,688,224 |
|
|
$ |
4,927,066 |
|
Special Mention |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Doubtful |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total Multifamily Loans |
|
$ |
1,144,000 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
1,094,842 |
|
|
$ |
2,688,224 |
|
|
$ |
4,927,066 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
Commercial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
9,840,684 |
|
|
$ |
4,652,145 |
|
|
$ |
15,787,371 |
|
|
$ |
14,382,972 |
|
|
$ |
4,489,849 |
|
|
$ |
7,240,622 |
|
|
$ |
56,393,643 |
|
Special Mention |
|
|
— |
|
|
|
305,126 |
|
|
|
— |
|
|
|
185,693 |
|
|
|
1,047,434 |
|
|
|
384,447 |
|
|
|
1,922,700 |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
2,413,296 |
|
|
|
2,413,296 |
|
Doubtful |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total Commercial Loans |
|
$ |
9,840,684 |
|
|
$ |
4,957,271 |
|
|
$ |
15,787,371 |
|
|
$ |
14,568,665 |
|
|
$ |
5,537,283 |
|
|
$ |
10,038,365 |
|
|
$ |
60,729,639 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
16 |
|
|
$ |
16 |
|
Construction and development |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
— |
|
|
$ |
2,964,821 |
|
|
$ |
220,834 |
|
|
$ |
1,266,413 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
4,452,068 |
|
Special Mention |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
20,174 |
|
|
|
20,174 |
|
Doubtful |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total Construction and
Development Loans |
|
$ |
— |
|
|
$ |
2,964,821 |
|
|
$ |
220,834 |
|
|
$ |
1,266,413 |
|
|
$ |
— |
|
|
$ |
20,174 |
|
|
$ |
4,472,242 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
Farmland |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
589,917 |
|
|
$ |
1,494,503 |
|
|
$ |
122,470 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
1,894,224 |
|
|
$ |
4,101,114 |
|
Special Mention |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
21,785 |
|
|
|
— |
|
|
|
219,041 |
|
|
|
240,826 |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Doubtful |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total Farmland Loans |
|
$ |
589,917 |
|
|
$ |
1,494,503 |
|
|
$ |
122,470 |
|
|
$ |
21,785 |
|
|
$ |
— |
|
|
$ |
2,113,265 |
|
|
$ |
4,341,940 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
3,235,362 |
|
|
$ |
6,199,366 |
|
|
$ |
1,829,366 |
|
|
$ |
281,734 |
|
|
$ |
3,328,271 |
|
|
$ |
783,263 |
|
|
$ |
15,657,362 |
|
Special Mention |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
123,129 |
|
|
|
8,798 |
|
|
|
473,961 |
|
|
|
605,888 |
|
Doubtful |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total Commercial and
Industrial Loans |
|
$ |
3,235,362 |
|
|
$ |
6,199,366 |
|
|
$ |
1,829,366 |
|
|
$ |
404,863 |
|
|
$ |
3,337,069 |
|
|
$ |
1,257,224 |
|
|
$ |
16,263,250 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Amortized Cost Basis by Origination Year |
|
|
|
|
|
|
2025 |
|
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
2021 |
|
|
Prior |
|
|
Total |
|
December 31, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real Estate Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Multifamily: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
1,120,234 |
|
|
$ |
2,596,198 |
|
|
$ |
307,478 |
|
|
$ |
4,023,910 |
|
Special Mention |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Doubtful |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total Multifamily Loans |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
1,120,234 |
|
|
$ |
2,596,198 |
|
|
$ |
307,478 |
|
|
$ |
4,023,910 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
Commercial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
4,706,140 |
|
|
$ |
16,008,333 |
|
|
$ |
16,322,270 |
|
|
$ |
4,595,265 |
|
|
$ |
1,592,970 |
|
|
$ |
5,964,808 |
|
|
$ |
49,189,786 |
|
Special Mention |
|
|
316,380 |
|
|
|
— |
|
|
|
188,616 |
|
|
|
1,058,949 |
|
|
|
494,611 |
|
|
|
— |
|
|
|
2,058,556 |
|
Substandard |
|
|
— |
|
|
|
93,952 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
3,067,136 |
|
|
|
3,161,088 |
|
Doubtful |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total Commercial Loans |
|
$ |
5,022,520 |
|
|
$ |
16,102,285 |
|
|
$ |
16,510,886 |
|
|
$ |
5,654,214 |
|
|
$ |
2,087,581 |
|
|
$ |
9,031,944 |
|
|
$ |
54,409,430 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
43,612 |
|
|
$ |
43,612 |
|
Construction and development |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
2,528,781 |
|
|
$ |
221,443 |
|
|
$ |
1,284,769 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
4,034,993 |
|
Special Mention |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
28,657 |
|
|
|
28,657 |
|
Doubtful |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total Construction and
Development Loans |
|
$ |
2,528,781 |
|
|
$ |
221,443 |
|
|
$ |
1,284,769 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
28,657 |
|
|
$ |
4,063,650 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
Farmland |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
1,513,435 |
|
|
$ |
124,097 |
|
|
$ |
480,000 |
|
|
$ |
— |
|
|
$ |
852,934 |
|
|
$ |
1,174,313 |
|
|
$ |
4,144,779 |
|
Special Mention |
|
|
— |
|
|
|
— |
|
|
|
23,867 |
|
|
|
— |
|
|
|
— |
|
|
|
217,882 |
|
|
|
241,749 |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Doubtful |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total Farmland Loans |
|
$ |
1,513,435 |
|
|
$ |
124,097 |
|
|
$ |
503,867 |
|
|
$ |
— |
|
|
$ |
852,934 |
|
|
$ |
1,392,195 |
|
|
$ |
4,386,528 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
4,375,584 |
|
|
$ |
2,844,047 |
|
|
$ |
264,762 |
|
|
$ |
3,447,290 |
|
|
$ |
134,340 |
|
|
$ |
849,078 |
|
|
$ |
11,915,101 |
|
Special Mention |
|
|
— |
|
|
|
— |
|
|
|
124,987 |
|
|
|
11,922 |
|
|
|
2,683 |
|
|
|
460,556 |
|
|
|
600,148 |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
36,702 |
|
|
|
2,911 |
|
|
|
39,613 |
|
Doubtful |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total Commercial and
Industrial Loans |
|
$ |
4,375,584 |
|
|
$ |
2,844,047 |
|
|
$ |
389,749 |
|
|
$ |
3,459,212 |
|
|
$ |
173,725 |
|
|
$ |
1,312,545 |
|
|
$ |
12,554,862 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
7,074 |
|
|
$ |
7,074 |
|
The Company monitors the credit risk profile by payment activity for residential and consumer loan classes. Loans past due 90 days or more and accruing and loans on nonaccrual status are considered nonperforming. Nonperforming loans are reviewed monthly. The following table presents the amortized cost in residential and consumer loans based on payment activity:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Amortized Cost Basis by Origination Year |
|
|
|
|
|
|
2026 |
|
|
2025 |
|
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
Prior |
|
|
Total |
|
June 30, 2026 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real Estate Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including
construction |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
$ |
9,233,307 |
|
|
$ |
7,815,370 |
|
|
$ |
2,507,066 |
|
|
$ |
3,312,124 |
|
|
$ |
3,198,227 |
|
|
$ |
15,419,817 |
|
|
$ |
41,485,911 |
|
Nonperforming |
|
|
— |
|
|
|
— |
|
|
|
107,405 |
|
|
|
— |
|
|
|
— |
|
|
|
76,029 |
|
|
|
183,434 |
|
Total 1-4 Family Loans |
|
$ |
9,233,307 |
|
|
$ |
7,815,370 |
|
|
$ |
2,614,471 |
|
|
$ |
3,312,124 |
|
|
$ |
3,198,227 |
|
|
$ |
15,495,846 |
|
|
$ |
41,669,345 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
$ |
1,614,905 |
|
|
$ |
528,849 |
|
|
$ |
381,149 |
|
|
$ |
853,983 |
|
|
$ |
193,481 |
|
|
$ |
1,731,937 |
|
|
$ |
5,304,304 |
|
Nonperforming |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
35,872 |
|
|
|
35,872 |
|
Total Consumer Loans |
|
$ |
1,614,905 |
|
|
$ |
528,849 |
|
|
$ |
381,149 |
|
|
$ |
853,983 |
|
|
$ |
193,481 |
|
|
$ |
1,767,809 |
|
|
$ |
5,340,176 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
202 |
|
|
$ |
— |
|
|
$ |
147 |
|
|
$ |
349 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Amortized Cost Basis by Origination Year |
|
|
|
|
|
|
2025 |
|
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
2021 |
|
|
Prior |
|
|
Total |
|
December 31, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real Estate Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including
construction |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
$ |
8,174,987 |
|
|
$ |
2,729,459 |
|
|
$ |
3,688,437 |
|
|
$ |
3,433,214 |
|
|
$ |
6,490,489 |
|
|
$ |
10,349,900 |
|
|
$ |
34,866,486 |
|
Nonperforming |
|
|
35,831 |
|
|
|
108,884 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
135,312 |
|
|
|
280,027 |
|
Total 1-4 Family Loans |
|
$ |
8,210,818 |
|
|
$ |
2,838,343 |
|
|
$ |
3,688,437 |
|
|
$ |
3,433,214 |
|
|
$ |
6,490,489 |
|
|
$ |
10,485,212 |
|
|
$ |
35,146,513 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
40,177 |
|
|
$ |
75,024 |
|
|
$ |
115,201 |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Risk Rating |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
$ |
674,893 |
|
|
$ |
480,286 |
|
|
$ |
1,111,528 |
|
|
$ |
276,947 |
|
|
$ |
22,278 |
|
|
$ |
1,867,688 |
|
|
$ |
4,433,620 |
|
Nonperforming |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
36,967 |
|
|
|
36,967 |
|
Total Consumer Loans |
|
$ |
674,893 |
|
|
$ |
480,286 |
|
|
$ |
1,111,528 |
|
|
$ |
276,947 |
|
|
$ |
22,278 |
|
|
$ |
1,904,655 |
|
|
$ |
4,470,587 |
|
Current period gross
charge-offs |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
30,072 |
|
|
$ |
30,072 |
|
|
| Schedule of Loan Portfolio Aging Analysis |
The following tables present the Company’s loan portfolio aging analysis of the recorded investment in loans as of June 30, 2026 and December 31, 2025:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
June 30, 2026 |
|
|
|
|
|
|
|
|
|
90 Days or |
|
|
|
|
|
|
|
|
|
|
|
Total Loans > |
|
|
|
30-59 Days |
|
|
60-89 Days |
|
|
Greater |
|
|
Total |
|
|
|
|
|
Total Loans |
|
|
90 Days & |
|
|
|
Past Due |
|
|
Past Due |
|
|
Past Due |
|
|
Past Due |
|
|
Current |
|
|
Receivable |
|
|
Accruing |
|
Real Estate Loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including
construction |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
67,192 |
|
|
$ |
67,192 |
|
|
$ |
41,602,153 |
|
|
$ |
41,669,345 |
|
|
$ |
— |
|
Multifamily |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
4,927,066 |
|
|
|
4,927,066 |
|
|
|
— |
|
Commercial |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
60,729,639 |
|
|
|
60,729,639 |
|
|
|
— |
|
Construction and
development |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
4,472,242 |
|
|
|
4,472,242 |
|
|
|
— |
|
Farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
4,341,940 |
|
|
|
4,341,940 |
|
|
|
— |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
35,872 |
|
|
|
— |
|
|
|
— |
|
|
|
35,872 |
|
|
|
5,304,304 |
|
|
|
5,340,176 |
|
|
|
— |
|
Commercial and
industrial |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
16,263,250 |
|
|
|
16,263,250 |
|
|
|
— |
|
Total |
|
$ |
35,872 |
|
|
$ |
— |
|
|
$ |
67,192 |
|
|
$ |
103,064 |
|
|
$ |
137,640,594 |
|
|
$ |
137,743,658 |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2025 |
|
|
|
|
|
|
|
|
|
90 Days or |
|
|
|
|
|
|
|
|
|
|
|
Total Loans > |
|
|
|
30-59 Days |
|
|
60-89 Days |
|
|
Greater |
|
|
Total |
|
|
|
|
|
Total Loans |
|
|
90 Days & |
|
|
|
Past Due |
|
|
Past Due |
|
|
Past Due |
|
|
Past Due |
|
|
Current |
|
|
Receivable |
|
|
Accruing |
|
Real Estate Loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including
construction |
|
$ |
247,255 |
|
|
$ |
26,352 |
|
|
$ |
67,432 |
|
|
$ |
341,039 |
|
|
$ |
34,805,474 |
|
|
$ |
35,146,513 |
|
|
$ |
— |
|
Multifamily |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
4,023,910 |
|
|
|
4,023,910 |
|
|
|
— |
|
Commercial |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
54,409,430 |
|
|
|
54,409,430 |
|
|
|
— |
|
Construction and
development |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
4,063,650 |
|
|
|
4,063,650 |
|
|
|
— |
|
Farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
4,386,528 |
|
|
|
4,386,528 |
|
|
|
— |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
31,441 |
|
|
|
— |
|
|
|
— |
|
|
|
31,441 |
|
|
|
4,439,146 |
|
|
|
4,470,587 |
|
|
|
— |
|
Commercial and
industrial |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
12,554,862 |
|
|
|
12,554,862 |
|
|
|
— |
|
Total |
|
$ |
278,696 |
|
|
$ |
26,352 |
|
|
$ |
67,432 |
|
|
$ |
372,480 |
|
|
$ |
118,683,000 |
|
|
$ |
119,055,480 |
|
|
$ |
— |
|
|
| Schedule of Collateral Dependent Loans |
The following tables present collateral-dependent loans by classes of loan type:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
June 30, 2026 |
|
|
|
|
|
|
Type of Collateral |
|
|
|
|
|
|
|
|
|
Business |
|
|
|
|
|
Allowance |
|
|
|
Real |
|
|
Assets and |
|
|
|
|
|
for Credit |
|
|
|
Estate |
|
|
Other |
|
|
Total |
|
|
Losses |
|
Real Estate Loans |
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including construction |
|
$ |
383,471 |
|
|
$ |
— |
|
|
$ |
383,471 |
|
|
$ |
— |
|
Multifamily |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Commercial |
|
|
2,413,296 |
|
|
|
— |
|
|
|
2,413,296 |
|
|
|
— |
|
Construction and development |
|
|
20,174 |
|
|
|
— |
|
|
|
20,174 |
|
|
|
— |
|
Farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
— |
|
|
|
35,872 |
|
|
|
35,872 |
|
|
|
13,234 |
|
Commercial and industrial |
|
|
— |
|
|
|
605,888 |
|
|
|
605,888 |
|
|
|
21,239 |
|
Total |
|
$ |
2,816,941 |
|
|
$ |
641,760 |
|
|
$ |
3,458,701 |
|
|
$ |
34,473 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2025 |
|
|
|
|
|
|
Type of Collateral |
|
|
|
|
|
|
|
|
|
Business |
|
|
|
|
|
Allowance |
|
|
|
Real |
|
|
Assets and |
|
|
|
|
|
for Credit |
|
|
|
Estate |
|
|
Other |
|
|
Total |
|
|
Losses |
|
Real Estate Loans |
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including construction |
|
$ |
451,729 |
|
|
$ |
— |
|
|
$ |
451,729 |
|
|
$ |
— |
|
Multifamily |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Commercial |
|
|
3,161,088 |
|
|
|
— |
|
|
|
3,161,088 |
|
|
|
— |
|
Construction and development |
|
|
28,657 |
|
|
|
— |
|
|
|
28,657 |
|
|
|
— |
|
Farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
— |
|
|
|
36,967 |
|
|
|
36,967 |
|
|
|
13,234 |
|
Commercial and industrial |
|
|
— |
|
|
|
39,613 |
|
|
|
39,613 |
|
|
|
25,766 |
|
Total |
|
$ |
3,641,474 |
|
|
$ |
76,580 |
|
|
$ |
3,718,054 |
|
|
$ |
39,000 |
|
|
| Summary of Non-performing Loans |
Non-performing loans as of June 30, 2026 and December 31, 2025, are as follows:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
June 30, 2026 |
|
|
|
Nonaccrual |
|
|
Nonaccrual |
|
|
Total |
|
|
Loans 90 Days or |
|
|
Total Non- |
|
|
Interest |
|
|
|
Loans |
|
|
Loans |
|
|
Nonaccrual |
|
|
Greater Delinquent |
|
|
Performing |
|
|
Income |
|
|
|
Without ACL |
|
|
With ACL |
|
|
Loans |
|
|
and Accruing |
|
|
Loans |
|
|
Recognized |
|
Real Estate Loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including construction |
|
$ |
183,434 |
|
|
$ |
— |
|
|
$ |
183,434 |
|
|
$ |
— |
|
|
$ |
183,434 |
|
|
|
5,413 |
|
Multifamily |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Commercial |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Construction and development |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
— |
|
|
|
35,872 |
|
|
|
35,872 |
|
|
|
— |
|
|
|
35,872 |
|
|
|
1,455 |
|
Commercial and industrial |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total nonaccrual |
|
$ |
183,434 |
|
|
$ |
35,872 |
|
|
$ |
219,306 |
|
|
$ |
— |
|
|
$ |
219,306 |
|
|
$ |
6,868 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2025 |
|
|
|
Nonaccrual |
|
|
Nonaccrual |
|
|
Total |
|
|
Loans 90 Days or |
|
|
Total Non- |
|
|
Interest |
|
|
|
Loans |
|
|
Loans |
|
|
Nonaccrual |
|
|
Greater Delinquent |
|
|
Performing |
|
|
Income |
|
|
|
Without ACL |
|
|
With ACL |
|
|
Loans |
|
|
and Accruing |
|
|
Loans |
|
|
Recognized |
|
Real Estate Loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 Family, including construction |
|
$ |
280,027 |
|
|
$ |
— |
|
|
$ |
280,027 |
|
|
$ |
— |
|
|
$ |
280,027 |
|
|
$ |
13,896 |
|
Multifamily |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Commercial |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Construction and development |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Other Loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
— |
|
|
|
36,967 |
|
|
|
36,967 |
|
|
|
— |
|
|
|
36,967 |
|
|
|
3,935 |
|
Commercial and industrial |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total nonaccrual |
|
$ |
280,027 |
|
|
$ |
36,967 |
|
|
$ |
316,994 |
|
|
$ |
— |
|
|
$ |
316,994 |
|
|
$ |
17,831 |
|
|