| Schedule of changes in the allowance for credit losses for loans held for investment, distributed by portfolio segment |
Changes in the allowance for credit losses for loans held for investment, distributed by portfolio segment, are shown below (in thousands). | | | | | | | | | | | | | | | | | | Balance, | | Provision for | | | | Recoveries on | | Balance, | | | Beginning of | | (Reversal of) | | Loans | | Charged Off | | End of | Three Months Ended September 30, 2026 | | Period | | Credit Losses | | Charged Off | | Loans | | Period | Commercial real estate: | | | | | | | | | | | | | | | | Non-owner occupied | | $ | 24,446 | | $ | (271) | | $ | — | | $ | — | | $ | 24,175 | Owner occupied | | | 31,025 | | | 5,695 | | | — | | | — | | | 36,720 | Commercial and industrial | | | 18,401 | | | 2,129 | | | (1,602) | | | 488 | | | 19,416 | Construction and land development | | | 5,985 | | | 2,187 | | | — | | | — | | | 8,172 | 1-4 family residential | | | 4,464 | | | 410 | | | — | | | 24 | | | 4,898 | Consumer | | | 450 | | | (1) | | | (98) | | | 28 | | | 379 | Broker-dealer | | | 85 | | | 17 | | | — | | | — | | | 102 | Total | | $ | 84,856 | | $ | 10,166 | | $ | (1,700) | | $ | 540 | | $ | 93,862 |
| | | | | | | | | | | | | | | | | | Balance, | | Provision for | | | | Recoveries on | | Balance, | | | Beginning of | | (Reversal of) | | Loans | | Charged Off | | End of | Nine Months Ended September 30, 2026 | | Period | | Credit Losses | | Charged Off | | Loans | | Period | Commercial real estate: | | | | | | | | | | | | | | | | Non-owner occupied | | $ | 24,265 | | $ | (90) | | $ | — | | $ | — | | $ | 24,175 | Owner occupied | | | 34,035 | | | 2,685 | | | — | | | — | | | 36,720 | Commercial and industrial | | | 21,280 | | | 6,317 | | | (9,264) | | | 1,083 | | | 19,416 | Construction and land development | | | 7,398 | | | 911 | | | (137) | | | — | | | 8,172 | 1-4 family residential | | | 4,136 | | | 914 | | | (237) | | | 85 | | | 4,898 | Consumer | | | 397 | | | 143 | | | (242) | | | 81 | | | 379 | Broker-dealer | | | 26 | | | 76 | | | — | | | — | | | 102 | Total | | $ | 91,537 | | $ | 10,956 | | $ | (9,880) | | $ | 1,249 | | $ | 93,862 |
| | | | | | | | | | | | | | | | | | Balance, | | Provision for | | | | Recoveries on | | Balance, | | | Beginning of | | (Reversal of) | | Loans | | Charged Off | | End of | Three Months Ended September 30, 2025 | | Period | | Credit Losses | | Charged Off | | Loans | | Period | Commercial real estate: | | | | | | | | | | | | | | | | Non-owner occupied | | $ | 27,837 | | $ | 879 | | $ | — | | $ | — | | $ | 28,716 | Owner occupied | | | 34,154 | | | (3,579) | | | — | | | 1 | | | 30,576 | Commercial and industrial | | | 23,015 | | | 69 | | | (432) | | | 100 | | | 22,752 | Construction and land development | | | 7,341 | | | (48) | | | (5) | | | 68 | | | 7,356 | 1-4 family residential | | | 5,057 | | | 137 | | | (1) | | | 8 | | | 5,201 | Consumer | | | 538 | | | (79) | | | (62) | | | 41 | | | 438 | Broker-dealer | | | 19 | | | 110 | | | — | | | — | | | 129 | Total | | $ | 97,961 | | $ | (2,511) | | $ | (500) | | $ | 218 | | $ | 95,168 |
| | | | | | | | | | | | | | | | | | Balance, | | Provision for | | | | Recoveries on | | Balance, | | | Beginning of | | (Reversal of) | | Loans | | Charged Off | | End of | Nine Months Ended September 30, 2025 | | Period | | Credit Losses | | Charged Off | | Loans | | Period | Commercial real estate: | | | | | | | | | | | | | | | | Non-owner occupied | | $ | 29,310 | | $ | 324 | | $ | (918) | | $ | — | | $ | 28,716 | Owner occupied | | | 33,112 | | | (2,555) | | | — | | | 19 | | | 30,576 | Commercial and industrial | | | 25,609 | | | 1,379 | | | (4,607) | | | 371 | | | 22,752 | Construction and land development | | | 7,161 | | | 401 | | | (274) | | | 68 | | | 7,356 | 1-4 family residential | | | 5,327 | | | (153) | | | (1) | | | 28 | | | 5,201 | Consumer | | | 547 | | | 12 | | | (224) | | | 103 | | | 438 | Broker-dealer | | | 50 | | | 79 | | | — | | | — | | | 129 | Total | | $ | 101,116 | | $ | (513) | | $ | (6,024) | | $ | 589 | | $ | 95,168 |
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| Schedule of changes in the allowance for credit losses for loans with off-balance sheet credit exposures |
Changes in the allowance for credit losses for loans with off-balance sheet credit exposures are shown below (in thousands). | | | | | | | | | | | | | | | Three Months Ended September 30, | | Nine Months Ended September 30, | | | 2026 | | 2025 | | 2026 | | 2025 | Balance, beginning of period | | $ | 7,289 | | $ | 9,114 | | $ | 9,402 | | $ | 7,918 | Other noninterest expense | | | 1,488 | | | (1,302) | | | (625) | | | (106) | Balance, end of period | | $ | 8,777 | | $ | 7,812 | | $ | 8,777 | | $ | 7,812 |
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