The following presents the Company’s financial instruments whose contract amounts represent credit risk, as of the dates noted: | | | | | | | | | | | | | | | | | | | | | | | | | September 30, 2026 | | December 31, 2025 | | (dollars in thousands) | Fixed Rate | | Variable Rate | | Fixed Rate | | Variable Rate | | Unused lines of credit | $ | 47,238 | | | $ | 528,616 | | | $ | 45,982 | | | $ | 506,809 | | | Standby letters of credit | 9,976 | | | 4,309 | | | 10,845 | | | 11,665 | | | Commitments to make loans to sell | 22,682 | | | — | | | 38,378 | | | — | | | Commitments to make loans | 38,812 | | | 38,850 | | | 20,316 | | | 20,212 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended
September 30, | | Nine Months Ended
September 30, | | (dollars in thousands) | | 2026 | | 2025 | | 2026 | | 2025 | | Beginning balance | | $ | 595 | | | $ | 639 | | | $ | 701 | | | $ | 672 | | | Provision for (release of) credit losses | | 3 | | | 25 | | | (103) | | | (8) | | | Ending balance | | $ | 598 | | | $ | 664 | | | $ | 598 | | | $ | 664 | |
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