In accordance with ASC 326, the Company is required to measure the allowance for credit losses of financial assets with similar risk characteristics on a collective or pooled basis. In considering the segmentation of financial assets measured at amortized cost into pools, the Company considered various risk characteristics in its analysis. Generally, the segmentation utilized represents the level at which the Company develops and documents its systematic methodology to determine the allowance for credit losses for the financial assets held at amortized cost, specifically the Company's loan portfolio and debt securities

In accordance with ASC 326, the Company elected to not measure an allowance for credit losses on accrued interest. As such accrued interest is written off in a timely manner when deemed uncollectible. Any such write-off of accrued interest will reverse previously recognized interest income. In addition, the Company elected to not include accrued interest within presentation and disclosures of the carrying amount of financial assets held at amortized cost. This election is applicable to the various disclosures included within the Company's financial statements. Accrued interest related to financial assets held at amortized cost is included within accrued interest receivable and other assets within the Company's Consolidated Statements of Condition and totaled $343.3 million at September 30, 2026, $312.2 million at December 31, 2025, and $342.4 million at September 30, 2025.


As of September 30, 2026			90+ days and still accruing		60-89 days past due		30-59 days past due
(In thousands)	Non-accrual								Current		Total Loans
Loan Balances (includes PCD):






Commercial	$	85,670	$	—	$	21,825	$	39,132	$	18,195,138	$	18,341,765

Commercial real estate
Construction and development	834		—		8,333		14,278		2,655,444		2,678,889
Non-construction	12,179		—		9,494		60,267		12,199,782		12,281,722







Home equity	1,149		—		1,085		1,427		504,170		507,831

Residential real estate, excluding early buy-out loans	26,218		—		5,390		114		4,521,155		4,552,877


Premium finance receivables—property & casualty	23,341		17,093		19,238		33,757		8,530,893		8,624,322
Premium finance receivables—life insurance	—		10,380		536		3,515		9,524,432		9,538,863

Consumer and other	27		13		42		251		134,831		135,164
Total loans, net of unearned income, excluding early buy-out loans	$	149,418	$	27,486	$	65,943	$	152,741	$	56,265,845	$	56,661,433
Early buy-out loans guaranteed by U.S. government agencies (1)	—		54,408		—		—		88,730		143,138
Total loans, net of unearned income	$	149,418	$	81,894	$	65,943	$	152,741	$	56,354,575	$	56,804,571


As of December 31, 2025			90+ days and still accruing		60-89 days past due		30-59 days past due
(In thousands)	Non-accrual								Current		Total Loans
Loan Balances (includes PCD):






Commercial	$	78,059	$	—	$	22,952	$	90,205	$	16,853,470	$	17,044,686

Commercial real estate
Construction and development	2,976		—		1,260		13,456		2,391,890		2,409,582
Non-construction	22,171		—		18,269		52,145		11,438,569		11,531,154







Home equity	1,221		—		1,112		2,818		475,374		480,525

Residential real estate, excluding early buy-out loans	32,862		—		7,562		24,908		4,106,107		4,171,439

Premium finance receivables—property & casualty	29,354		19,115		29,294		57,685		8,047,968		8,183,416
Premium finance receivables—life insurance	—		—		13,887		22,806		8,986,949		9,023,642

Consumer and other	8		42		466		643		113,705		114,864
Total loans, net of unearned income, excluding early buy-out loans	$	166,651	$	19,157	$	94,802	$	264,666	$	52,414,032	$	52,959,308
Early buy-out loans guaranteed by U.S. government agencies (1)	—		53,848		204		1,316		90,425		145,793
Total loans, net of unearned income	$	166,651	$	73,005	$	95,006	$	265,982	$	52,504,457	$	53,105,101


As of September 30, 2025			90+ days and still accruing		60-89 days past due		30-59 days past due
(In thousands)	Non-accrual								Current		Total Loans
Loan Balances (includes PCD):






Commercial	$	66,577	$	—	$	12,190	$	36,136	$	16,429,439	$	16,544,342

Commercial real estate
Construction and development	3,227		—		630		40,276		2,614,020		2,658,153
Non-construction	24,975		—		13,489		42,779		10,879,811		10,961,054







Home equity	1,295		—		246		2,294		480,367		484,202

Residential real estate, excluding early buy-out loans	28,942		—		8,829		95		3,981,180		4,019,046

Premium finance receivables—property & casualty	24,512		13,006		23,527		38,133		8,267,114		8,366,292
Premium finance receivables—life insurance	—		—		34,016		34,506		8,690,031		8,758,553

Consumer and other	38		60		49		159		146,710		147,016
Total loans, net of unearned income, excluding early buy-out loans	$	149,566	$	13,066	$	92,976	$	194,378	$	51,488,672	$	51,938,658
Early buy-out loans guaranteed by U.S. government agencies (1)	—		47,374		—		—		77,450		124,824
Total loans, net of unearned income	$	149,566	$	60,440	$	92,976	$	194,378	$	51,566,122	$	52,063,482


	Year of Origination														Revolving		Total
(In thousands)	2026		2025		2024		2023		2022		Prior		Revolving		to Term		Loans
Loan Balances:
Commercial
Pass	$	2,971,051	$	2,962,402	$	2,111,289	$	1,232,190	$	796,861	$	1,422,808	$	6,120,810	$	22,512	$	17,639,923
Special mention	27,967		19,693		48,251		28,875		9,922		10,700		226,790		19,503		391,701
Substandard accrual	1,211		52,365		38,472		34,939		14,124		55,443		25,761		2,156		224,471
Substandard non-accrual/doubtful	4,346		10,058		7,993		5,715		31,675		18,032		7,304		547		85,670
Total commercial, industrial and other	$	3,004,575	$	3,044,518	$	2,206,005	$	1,301,719	$	852,582	$	1,506,983	$	6,380,665	$	44,718	$	18,341,765
Construction and development
Pass	$	305,357	$	643,695	$	633,432	$	374,720	$	405,309	$	97,462	$	16,111	$	—	$	2,476,086
Special mention	—		5,030		42,230		16,363		62,045		2,255		—		—		127,923
Substandard accrual	—		—		—		33,295		—		40,751		—		—		74,046
Substandard non-accrual/doubtful	—		—		—		—		—		834		—		—		834
Total construction and development	$	305,357	$	648,725	$	675,662	$	424,378	$	467,354	$	141,302	$	16,111	$	—	$	2,678,889
Non-construction
Pass	$	2,305,130	$	2,115,291	$	1,052,536	$	971,119	$	1,532,813	$	3,646,392	$	222,938	$	1,072	$	11,847,291
Special mention	102,786		26,581		851		30,297		54,081		37,933		—		—		252,529
Substandard accrual	—		203		20,765		41,765		44,346		62,644		—		—		169,723
Substandard non-accrual/doubtful	—		—		—		1,271		682		10,226		—		—		12,179
Total non-construction	$	2,407,916	$	2,142,075	$	1,074,152	$	1,044,452	$	1,631,922	$	3,757,195	$	222,938	$	1,072	$	12,281,722
Home equity
Pass	$	336	$	99	$	210	$	155	$	239	$	21,041	$	464,397	$	7,022	$	493,499
Special mention	—		—		292		106		97		840		5,962		103		7,400
Substandard accrual	—		—		35		240		70		3,611		1,690		137		5,783
Substandard non-accrual/doubtful	—		—		—		99		140		910		—		—		1,149
Total home equity	$	336	$	99	$	537	$	600	$	546	$	26,402	$	472,049	$	7,262	$	507,831
Residential real estate
Early buy-out loans guaranteed by U.S. government agencies	$	—	$	1,265	$	12,971	$	10,116	$	8,127	$	110,659	$	—	$	—	$	143,138
Pass	846,610		1,015,239		563,158		335,846		696,483		1,035,455		—		—		4,492,791
Special mention	319		1,059		988		1,660		6,775		8,594		—		—		19,395


Substandard accrual	153		26		2,172		824		5,869		5,429		—		—		14,473
Substandard non-accrual/doubtful	14		997		2,681		5,785		5,759		10,982		—		—		26,218
Total residential real estate	$	847,096	$	1,018,586	$	581,970	$	354,231	$	723,013	$	1,171,119	$	—	$	—	$	4,696,015
Premium finance receivables - property and casualty
Pass	$	8,290,104	$	204,365	$	2,434	$	—	$	—	$	—	$	—	$	—	$	8,496,903
Special mention	88,320		4,665		20		—		—		—		—		—		93,005
Substandard accrual	8,673		2,400		—		—		—		—		—		—		11,073
Substandard non-accrual/doubtful	11,945		11,395		1		—		—		—		—		—		23,341
Total premium finance receivables - property and casualty	$	8,399,042	$	222,825	$	2,455	$	—	$	—	$	—	$	—	$	—	$	8,624,322
Premium finance receivables - life (1)
Pass	$	346,023	$	755,875	$	824,429	$	595,389	$	787,138	$	6,199,163	$	—	$	—	$	9,508,017
Special mention	—		—		—		—				—		—		—		—
Substandard accrual	—		—		—		—		—		30,846		—		—		30,846
Substandard non-accrual/doubtful	—		—		—		—		—		—		—		—		—
Total premium finance receivables - life	$	346,023	$	755,875	$	824,429	$	595,389	$	787,138	$	6,230,009	$	—	$	—	$	9,538,863
Consumer and other
Pass	$	4,251	$	2,906	$	941	$	325	$	77	$	29,229	$	96,312	$	—	$	134,041
Special mention	20		77		8		862		76		1		8		—		1,052
Substandard accrual	6		16		9		3		—		6		4		—		44
Substandard non-accrual/doubtful	—		1		—		—		—		26		—		—		27
Total consumer and other	$	4,277	$	3,000	$	958	$	1,190	$	153	$	29,262	$	96,324	$	—	$	135,164
Total loans
Early buy-out loans guaranteed by U.S. government agencies	$	—	$	1,265	$	12,971	$	10,116	$	8,127	$	110,659	$	—	$	—	$	143,138
Pass	15,068,862		7,699,872		5,188,429		3,509,744		4,218,920		12,451,550		6,920,568		30,606		55,088,551
Special mention	219,412		57,105		92,640		78,163		132,996		60,323		232,760		19,606		893,005
Substandard accrual	10,043		55,010		61,453		111,066		64,409		198,730		27,455		2,293		530,459
Substandard non-accrual/doubtful	16,305		22,451		10,675		12,870		38,256		41,010		7,304		547		149,418
Total loans	$	15,314,622	$	7,835,703	$	5,366,168	$	3,721,959	$	4,462,708	$	12,862,272	$	7,188,087	$	53,052	$	56,804,571
Gross write offs
Three months ended September 30, 2026	$	7,820	$	1,806	$	8,202	$	1,372	$	424	$	7,550	$	—	$	—	$	27,174
Nine months ended September 30, 2026	$	8,312	$	16,625	$	13,556	$	8,396	$	5,996	$	15,220	$	—	$	—	$	68,105

The Company conducts an assessment of its investment securities, including those classified as held-to-maturity, at the time of purchase and on at least an annual basis to ensure such investment securities remain within appropriate levels of risk and continue to perform satisfactorily in fulfilling its obligations. The Company considers, among other factors, the nature of the securities and credit ratings or financial condition of the issuer. If available, the Company obtains a credit rating for issuers from a Nationally Recognized Statistical Rating Organization (“NRSRO”) for consideration. If no such rating is available for an issuer, the Company performs an internal rating based on the scale utilized within the loan portfolio. For purposes of the table below, the Company has converted any issuer rating from an NRSRO into the Company’s internal ratings based on Investment Policy and review by the Company’s management.


As of September 30, 2026	Year of Origination												Total
(In thousands)	2026		2025		2024		2023		2022		Prior		Balance
Amortized Cost Balances:
U.S. government agencies
1-4 internal grade	$	—	$	—	$	—	$	—	$	135,000	$	178,542	$	313,542
5-7 internal grade	—		—		—		—		—		—		—
8-10 internal grade	—		—		—		—		—		—		—
Total U.S. government agencies	$	—	$	—	$	—	$	—	$	135,000	$	178,542	$	313,542
Municipal
1-4 internal grade	$	—	$	—	$	—	$	3,583	$	1,022	$	126,916	$	131,521
5-7 internal grade	—		—		—		—		—		1,887		1,887
8-10 internal grade	—		—		—		—		—		—		—
Total municipal	$	—	$	—	$	—	$	3,583	$	1,022	$	128,803	$	133,408
Mortgage-backed securities
1-4 internal grade	$	—	$	—	$	—	$	220,721	$	439,347	$	2,005,723	$	2,665,791
5-7 internal grade	—		—		—		—		—		—		—
8-10 internal grade	—		—		—		—		—		—		—
Total mortgage-backed securities	$	—	$	—	$	—	$	220,721	$	439,347	$	2,005,723	$	2,665,791
Corporate notes
1-4 internal grade	$	—	$	—	$	—	$	—	$	4,975	$	3,000	$	7,975
5-7 internal grade	—		—		—		—		—		—		—
8-10 internal grade	—		—		—		—		—		—		—
Total corporate notes	$	—	$	—	$	—	$	—	$	4,975	$	3,000	$	7,975
Total held-to-maturity securities													$	3,120,716
Less: Allowance for credit losses													(213)
Held-to-maturity securities, net of allowance for credit losses													$	3,120,503

The Company's allowance for credit losses consists of the allowance for loan losses, the allowance for unfunded commitment losses and the allowance for held-to-maturity debt security losses. In accordance with ASC 326, the Company measures the allowance for credit losses at the time of origination or purchase of a financial asset, representing an estimate of lifetime expected credit losses on the related asset. When developing its estimate, the Company considers available information relevant to assessing the collectability of cash flows, from both internal and external sources. Historical credit loss experience is one input in the estimation process as well as inputs relevant to current conditions and reasonable and supportable forecasts. In considering past events, the Company considers the relevance, or lack thereof, of historical information due to changes in such things as financial asset underwriting or collection practices, and changes in portfolio mix due to changing business plans and strategies. In considering current conditions and forecasts, the Company considers both the current economic environment and the forecasted direction of the economic environment with emphasis on those factors deemed relevant to or driving changes in expected credit losses. As significant judgment is required, the review of the appropriateness of the allowance for credit losses is performed quarterly by various committees with participation by the Company's executive management.

The allowance for credit losses is measured on a collective or pooled basis when similar risk characteristics exist, based upon the segmentation discussed above. The Company utilizes modeling methodologies that estimate lifetime credit loss rates on each pool. These methodologies include estimating the probability of default and loss given default on the commercial and commercial real estate segments, using the weighted-average remaining maturity methodology for the residential real estate, home equity, and consumer segments, and utilizing an assumption-based approach focusing on historical loss rates for the premium finance receivables segments. Historical credit loss history is adjusted for reasonable and supportable forecasts developed by the Company on a quantitative or qualitative basis and incorporates third party economic forecasts. Reasonable

and supportable forecasts consider the macroeconomic factors that are most relevant to evaluating and predicting expected credit losses in the Company's financial assets. Currently, the Company utilizes an eight quarter forecast period using a single macroeconomic scenario provided by a third party and reviewed for potential adjustments within the Company's governance structure. For periods beyond the ability to develop reasonable and supportable forecasts, the Company reverts to historical loss rates at an input level, straight-line over a four quarter reversion period. Expected credit losses are measured over the contractual term of the financial asset with consideration of expected prepayments. Expected extensions, renewals or modifications of the financial asset are considered when the expected extension, renewal or modification is contained within the existing agreement and is not unconditionally cancelable. The methodologies discussed above are applied to both current asset balances on the Company’s Consolidated Statements of Condition and off-balance sheet commitments (i.e. unfunded lending-related commitments).

Assets that do not share similar risk characteristics with a pool are assessed for the allowance for credit losses on an individual basis. These typically include assets experiencing financial difficulties, including assets rated as substandard non-accrual and doubtful. If foreclosure is probable or the asset is considered collateral-dependent, expected credit losses are measured based upon the fair value of the underlying collateral adjusted for selling costs, if appropriate. Underlying collateral across the Company's segments consist primarily of real estate, land and construction assets as well as general business assets of the borrower. As of September 30, 2026, excluding loans carried at fair value, substandard non-accrual loans totaling $62.0 million in carrying balance had no related allowance for credit losses.


Three months ended September 30, 2026			Commercial Real Estate		Home Equity		Residential Real Estate		Premium Finance Receivables		Consumer and Other		Total Loans
(In thousands)	Commercial

Allowance for credit losses at beginning of period	$	234,809	$	209,948	$	10,004	$	13,257	$	11,952	$	999	$	480,969

Other adjustments	—		—		—		—		(18)		—		(18)
Charge-offs	(19,075)		(414)		—		(107)		(7,361)		(217)		(27,174)
Recoveries	1,577		2,103		12		24		2,435		26		6,177
Provision for credit losses	22,823		(2,564)		(179)		445		5,321		40		25,886




Allowance for credit losses at period end	$	240,134	$	209,073	$	9,837	$	13,619	$	12,329	$	848	$	485,840
By measurement method:
Individually measured	$	23,091	$	81	$	—	$	47	$	—	$	1	$	23,220
Collectively measured	217,043		208,992		9,837		13,572		12,329		847		462,620

Loans at period end
Individually measured	$	85,670	$	13,013	$	1,149	$	26,111	$	—	$	27	$	125,970
Collectively measured	18,256,095		14,947,598		506,682		4,524,154		18,163,185		135,137		56,532,851

Loans held at fair value	—		—		—		145,750		—		—		145,750


Three months ended September 30, 2025	Commercial		Commercial Real Estate		Home Equity		Residential Real Estate		Premium Finance Receivables		Consumer and Other		Total Loans
(In thousands)

Allowance for credit losses at beginning of period	$	194,568	$	224,358	$	9,221	$	11,455	$	16,612	$	849	$	457,063

Other adjustments	—		—		—		—		(88)		—		(88)

Charge-offs	(21,597)		(144)		(27)		(26)		(6,878)		(174)		(28,846)
Recoveries	1,449		241		104		1		2,459		37		4,291
Provision for credit losses	15,056		6,022		(69)		583		(156)		335		21,771


Allowance for credit losses at period end	$	189,476	$	230,477	$	9,229	$	12,013	$	11,949	$	1,047	$	454,191
By measurement method:
Individually measured	$	29,747	$	9,688	$	—	$	60	$	—	$	3	$	39,498
Collectively measured	159,729		220,789		9,229		11,953		11,949		1,044		414,693

Loans at period end
Individually measured	$	66,576	$	28,203	$	1,295	$	28,854	$	—	$	38	$	124,966
Collectively measured	16,477,766		13,591,004		482,907		3,985,423		17,124,845		146,978		51,808,923

Loans held at fair value	—		—		—		129,593		—		—		129,593


Nine months ended September 30, 2026			Commercial Real Estate		Home Equity		Residential Real Estate		Premium Finance Receivables		Consumer and Other		Total Loans
(In thousands)	Commercial

Allowance for credit losses at beginning of period	$	178,545	$	246,933	$	10,402	$	12,519	$	11,011	$	795	$	460,205

Other adjustments	—		—		—		—		(158)		—		(158)
Charge-offs	(38,340)		(8,381)		—		(620)		(20,195)		(569)		(68,105)
Recoveries	4,706		2,114		331		26		7,948		119		15,244
Provision for credit losses	95,223		(31,593)		(896)		1,694		13,723		503		78,654




Allowance for credit losses at period end	$	240,134	$	209,073	$	9,837	$	13,619	$	12,329	$	848	$	485,840


Nine months ended September 30, 2025			Commercial Real Estate		Home Equity		Residential Real Estate		Premium Finance Receivables		Consumer and Other		Total Loans
(In thousands)	Commercial

Allowance for credit losses at beginning of period	$	175,837	$	222,856	$	8,943	$	10,335	$	17,820	$	812	$	436,603

Other adjustments	—		—		—		—		96		—		96
Charge-offs	(37,467)		(6,309)		(138)		(26)		(20,350)		(500)		(64,790)
Recoveries	4,124		263		350		139		9,281		98		14,255
Provision for credit losses	46,982		13,667		74		1,565		5,102		637		68,027
Allowance for credit losses at period end	$	189,476	$	230,477	$	9,229	$	12,013	$	11,949	$	1,047	$	454,191

For the three and nine months ended September 30, 2026, the Company recognized approximately $25.9 million and $78.7 million of provision for credit losses, respectively, related to loans and lending agreements. The provision for each period was primarily the result of losses experienced in the Commercial and Premium Finance Receivables portfolios, growth across various segments, and qualitative overlays related to the uncertainty of future performance of the economy, which was offset by an improved forecast related to CRE Price Index. Net charge-offs in the three and nine month periods ended September 30, 2026, totaled $21.0 million and $52.9 million, respectively.

The allowance for credit losses on the Company’s held-to-maturity debt securities is presented as a reduction to the amortized cost basis of held-to-maturity securities on the Company's Consolidated Statements of Condition. For the three and nine month periods ended September 30, 2026, the Company recognized approximately $(7,000) and $(47,000), respectively, of provision for credit losses related to held-to-maturity securities. At September 30, 2026, the Company did not identify any held-to-maturity debt securities within its portfolio that would require a charge-off.

The Company’s approach to restructuring or modifying loans is built on its credit risk rating system, which requires credit management personnel to assign a credit risk rating to each loan. In each case, the loan officer is responsible for recommending a credit risk rating for each loan and ensuring the credit risk ratings are appropriate. These credit risk ratings are then reviewed and approved by the bank’s chief credit officer and/or concurrence credit officer. Credit risk ratings are determined by evaluating a number of factors, including a borrower’s financial strength, cash flow coverage, collateral protection and guarantees. The Company’s credit risk rating scale is one through ten with higher scores indicating higher risk. In the case of loans rated six or worse following modification, the Company’s Managed Assets Division evaluates the loan and the credit risk rating and determines that the loan has been restructured to be reasonably assured of repayment and of performance according to the modified terms and is supported by a current, well-documented credit assessment of the borrower’s financial condition and prospects for repayment under the revised terms. Based on the Company’s credit risk rating system, it considers that borrowers whose credit risk rating is 5 or better are not experiencing financial difficulties.

Restructurings may arise when, due to financial difficulties experienced by the borrower, the Company obtains through physical possession one or more collateral assets in satisfaction of all or part of an existing credit. Once possession is obtained, the Company reclassifies the appropriate portion of the remaining balance of the credit from loans to other real estate owned (“OREO”), which is included within other assets in the Consolidated Statements of Condition. For any residential real estate property collateralizing a consumer mortgage loan, the Company is considered to possess the related collateral only if legal title is obtained upon completion of foreclosure, or the borrower conveys all interest in the residential real estate property to the Company through completion of a deed in lieu of foreclosure or similar legal agreement. At September 30, 2026, the Company had no foreclosed residential real estate properties included within OREO. Further, the recorded investment in residential mortgage loans secured by residential real estate properties for which foreclosure proceedings are in process totaled $65.5 million and $67.0 million at September 30, 2026 and 2025, respectively.


Three Months Ended September 30, 2026 (Dollars in thousands)	Total		Percentage of Total Class of Loan		Extension of Term		Reduction of Interest Rate		Interest Only Payments		Delay in Contractual Payments		Extension of Term and Reduction of Interest Rate

Commercial	$	10,152	0.1	%	$	9,923	$	47	$	—	$	182	$	—


Commercial real estate
Construction and development	568		0.0		568		—		—		—		—
Non-construction	734		0.0		734		—		—		—		—

Residential real estate	1,191		0.0		915		219		—		57		—
Premium finance receivables—property & casualty	13		0.0		13		—		—		—		—
Total loans	$	12,658	0.0	%	$	12,153	$	266	$	—	$	239	$	—


			Weighted Average Magnitude of Modifications:
Three Months Ended September 30, 2026 (Dollars in thousands)	Total		Duration of Extension of Term (months)	Reduction of Interest Rate (bps)	Duration of Delay in Contractual Payments (months)

Commercial	$	10,152	5	325	30


Commercial real estate
Construction and development	568		7	—	—
Non-construction	734		3	—	—

Residential real estate	1,191		9	104	73
Premium finance receivables—property & casualty	13		2	74	—
Total loans	$	12,658	3	143	40


Three Months Ended September 30, 2025 (Dollars in thousands)	Total		Percentage of Total Class of Loan		Extension of Term		Reduction of Interest Rate		Interest Only Payments		Delay in Contractual Payments		Extension of Term and Reduction of Interest Rate

Commercial	$	4,791	0.1	%	$	4,464	$	—	$	—	$	—	$	327
Commercial real estate

Non-construction	196		0.0		196		—		—		—		—

Residential real estate	392		0.0		287		—		—		—		105


Total loans	$	5,379	0.0	%	$	4,947	$	—	$	—	$	—	$	432


Nine Months Ended September 30, 2026 (Dollars in thousands)	Total		Percentage of Total Class of Loan		Extension of Term		Reduction of Interest Rate		Interest Only Payments		Delay in Contractual Payments		Extension of Term and Reduction of Interest Rate

Commercial	$	30,672	0.4	%	$	15,015	$	83	$	—	$	15,530	$	44
Commercial real estate
Construction and development	1,137		0.0		1,137		—		—		—		—
Non-construction	12,233		0.1		11,540		—		—		693		—

Residential real estate	1,873		0.0		1,299		219		—		300		55

Premium finance receivables—property & casualty	16		0.0		13		3		—		—		—
Total loans	$	45,931	0.1	%	$	29,004	$	305	$	—	$	16,523	$	99


			Weighted Average Magnitude of Modifications:
Nine Months Ended September 30, 2026 (Dollars in thousands)	Total		Duration of Extension of Term (months)	Reduction of Interest Rate (bps)	Duration of Delay in Contractual Payments (months)

Commercial	$	30,672	20	264	37
Commercial real estate
Construction and development	1,137		9	—	—
Non-construction	12,233		5	—	37

Residential real estate	1,873		34	141	163
Premium finance receivables—property & casualty	16		2	67	—
Total loans	$	45,931	16	193	39


Nine Months Ended September 30, 2025 (Dollars in thousands)	Total		Percentage of Total Class of Loan		Extension of Term		Reduction of Interest Rate		Interest Only Payments		Delay in Contractual Payments		Extension of Term and Reduction of Interest Rate

Commercial	$	15,370	0.2	%	$	14,917	$	9	$	—	$	—	$	444
Commercial real estate

Non-construction	196		0.0		196		—		—		—		—

Residential real estate	1,524		0.0		447		276		—		—		801

Premium finance receivables—property & casualty	865		0.0		865		—		—		—		—
Total loans	$	17,955	0.0	%	$	16,425	$	285	$	—	$	—	$	1,245


(Dollars in thousands)	For the Twelve Months Ended September 30, 2026		Three Months Ended September 30, 2026		Nine Months Ended September 30, 2026		For the Twelve Months Ended September 30, 2025		Three Months Ended September 30, 2025		Nine Months Ended September 30, 2025
	Total		Payments in Default (1)		Payments in Default (1)		Total		Payments in Default (1)		Payments in Default (1)
Commercial	$	43,695	$	302	$	3,101	$	20,725	$	28	$	142
Commercial real estate
Construction and development	1,137		—		568		—		—		—
Non-construction	22,915		1,169		13,491		243		196		196

Residential real estate	2,538		312		312		1,524		224		920

Premium finance receivables—property & casualty	15		13		15		865		—		865
Total loans	$	70,300	$	1,796	$	17,487	$	23,357	$	448	$	2,123