Loans and Allowance for Credit Losses on Loans

Schedule of changes in the allowance for loan losses by segment of loans based on method of impairment



				Provision for
	Beginning			(Release of)									Ending
Allowance for credit losses	Balance			Credit Losses ¹			Charge-offs			Recoveries			Balance
Three months ended September 30, 2026
Commercial	$	14,337		$	3,902		$	9,352		$	181		$	9,068
Leases		2,312			257			174			2			2,397
Commercial real estate – investor		19,489			(867)			-			14			18,636
Commercial real estate – owner occupied		4,635			(1,892)			-			1			2,744
Construction		1,138			(19)			-			-			1,119
Residential real estate – investor		566			(36)			-			3			533
Residential real estate – owner occupied		1,490			499			-			10			1,999
Multifamily		1,503			13			-			-			1,516
HELOC		3,358			19			-			10			3,387
Powersport		16,816			4,631			4,017			884			18,314
Other		4,736			28			429			141			4,476
Total	$	70,380		$	6,535		$	13,972		$	1,246		$	64,189

¹ Amount does not include the provision for unfunded commitment liability.



				Provision for
	Beginning			(Release of)									Ending
Allowance for credit losses	Balance			Credit Losses ¹			Charge-offs			Recoveries			Balance
Nine months ended September 30, 2026
Commercial	$	11,183		$	11,337		$	13,682		$	230		$	9,068
Leases		2,370			740			832			119			2,397
Commercial real estate – investor		21,672			3,673			6,752			43			18,636
Commercial real estate – owner occupied		4,583			(1,846)			-			7			2,744
Construction		1,527			(408)			-			-			1,119
Residential real estate – investor		759			(232)			-			6			533
Residential real estate – owner occupied		1,879			82			-			38			1,999
Multifamily		1,493			23			-			-			1,516
HELOC		3,628			(271)			2			32			3,387
Powersport		17,449			10,718			12,270			2,417			18,314
Other		5,758			(178)			1,398			294			4,476
Total	$	72,301		$	23,638		$	34,936		$	3,186		$	64,189

¹ Amount does not include the provision for unfunded commitment liability.


				Allowance			Provision for
	Beginning			Established for			(Release of)									Ending
Allowance for credit losses	Balance			PCD Loans			Credit Losses ¹			Charge-offs			Recoveries			Balance
Three months ended September 30, 2025
Commercial	$	7,185		$	37		$	3,505		$	452		$	67		$	10,342
Leases		2,280			-			971			848			-			2,403
Commercial real estate – investor		16,922			1,954			2,086			-			15			20,977
Commercial real estate – owner occupied		7,748			-			682			-			2			8,432
Construction		2,879			-			(1,412)			-			46			1,513
Residential real estate – investor		565			-			200			-			2			767
Residential real estate – owner occupied		1,926			309			(337)			-			7			1,905
Multifamily		1,707			-			204			181			-			1,730
HELOC		1,770			128			1,750			-			19			3,667
Powersport		-			10,431			9,555			3,685			705			17,006
Other		8			4,681			2,411			880			75			6,295
Total	$	42,990		$	17,540		$	19,615		$	6,046		$	938		$	75,037

¹ Amount does not include the provision for unfunded commitment liability.



				Allowance			Provision for
	Beginning			Established for			(Release of)									Ending
Allowance for credit losses	Balance			PCD Loans			Credit Losses ¹			Charge-offs			Recoveries			Balance
Nine months ended September 30, 2025
Commercial	$	7,813		$	37		$	7,384		$	5,023		$	131		$	10,342
Leases		2,136			-			1,205			955			17			2,403
Commercial real estate – investor		14,528			1,954			4,452			-			43			20,977
Commercial real estate – owner occupied		10,036			-			(1,568)			47			11			8,432
Construction		3,581			-			(1,630)			834			396			1,513
Residential real estate – investor		553			-			208			-			6			767
Residential real estate – owner occupied		1,509			309			42			-			45			1,905
Multifamily		1,876			-			35			181			-			1,730
HELOC		1,578			128			1,920			-			41			3,667
Powersport		-			10,431			9,555			3,685			705			17,006
Other		9			4,681			2,521			1,082			166			6,295
Total	$	43,619		$	17,540		$	24,124		$	11,807		$	1,561		$	75,037

¹ Amount does not include the provision for unfunded commitment liability.

Schedule of aged analysis of past due loans by class of loans


																			90 days or
							90 Days or												Greater Past
	30-59 Days			60-89 Days			Greater Past			Total Past									Due and
September 30, 2026	Past Due			Past Due			Due			Due			Current			Total Loans			Accruing
Commercial	$	2,560			-			4,930			7,490			859,872		$	867,362		$	121
Leases		842			49			1,014			1,905			552,465			554,370			-
Commercial real estate – investor		8,604			1,156			8,712			18,472			1,113,385			1,131,857			-
Commercial real estate – owner occupied		3,611			322			8,331			12,264			671,905			684,169			-
Construction		9,780			-			1,585			11,365			142,126			153,491			-
Residential real estate – investor		403			465			433			1,301			64,378			65,679			-
Residential real estate – owner occupied		165			279			887			1,331			246,184			247,515			276
Multifamily		595			695			1,154			2,444			367,987			370,431			-
HELOC		2,684			283			672			3,639			242,299			245,938			-
Powersport		11,487			3,909			2,681			18,077			671,152			689,229			2,583
Other		548			95			145			788			227,228			228,016			77
Total	$	41,279		$	7,253		$	30,544		$	79,076		$	5,158,981		$	5,238,057		$	3,057


																			90 days or
							90 Days or												Greater Past
	30-59 Days			60-89 Days			Greater Past			Total Past									Due and
December 31, 2025	Past Due			Past Due			Due			Due			Current			Total Loans			Accruing
Commercial	$	565			-			4,746			5,311			836,819		$	842,130		$	1,241
Leases		2,116			595			1,677			4,388			543,868			548,256			471
Commercial real estate – investor		10,604			89			-			10,693			1,201,691			1,212,384			-
Commercial real estate – owner occupied		7,176			819			11,389			19,384			687,183			706,567			250
Construction		1,546			1,349			635			3,530			170,100			173,630			-
Residential real estate – investor		120			699			152			971			69,254			70,225			-
Residential real estate – owner occupied		7,983			562			757			9,302			221,130			230,432			141
Multifamily		404			313			1,070			1,787			337,344			339,131			-
HELOC		5,219			441			451			6,111			229,182			235,293			-
Powersport		13,796			4,860			2,778			21,434			675,525			696,959			2,710
Other		1,873			702			217			2,792			194,332			197,124			66
Total	$	51,402		$	10,429		$	23,872		$	85,703		$	5,166,428		$	5,252,131		$	4,879

Schedule of credit quality indicators by class of loans

For residential owner-occupied, HELOC, powersport, and the other loan portfolios, the Company evaluates credit quality based on the

aging status of the loan and by payment activity. Nonperforming loans are those that are either 90 days or more past due and accruing or

are on nonaccrual, and all other loans not meeting these criteria are considered performing as presented in the aging table above.

Credit quality indicators by loan classification and contractual loan origination date at September 30, 2026, were as follows:


	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted To Term Loans		Total
Commercial
Pass	$	153,732	$	166,397	$	201,949	$	96,767	$	14,056	$	13,111	$	198,988	$	-	$	845,000
Special Mention		-		-		772		-		-		-		8,400		-		9,172
Substandard		-		94		42		4,150		-		77		8,827		-		13,190
Total commercial		153,732		166,491		202,763		100,917		14,056		13,188		216,215		-		867,362

Leases
Pass		174,359		188,896	$	118,836		50,188		13,015		7,347		-		-		552,641
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		95		856		778		-		-		-		1,729
Total leases		174,359		188,896		118,931		51,044		13,793		7,347		-		-		554,370

Commercial real estate – investor
Pass		166,617		243,690		175,150		102,860		251,616		164,186		7,231		-		1,111,350
Special Mention		-		367		5,377		-		1,110		923		-		-		7,777
Substandard		-		-		4,464		101		3,164		1,075		-		-		8,804
Doubtful		-		-		3,926		-		-		-		-		-		3,926
Total commercial real estate – investor		166,617		244,057		188,917		102,961		255,890		166,184		7,231		-		1,131,857

Commercial real estate – owner occupied
Pass		167,753		174,933		54,598		61,893		51,501		124,220		14,535		749		650,182
Special Mention		-		5,763		-		1,678		-		-		-		-		7,441
Substandard		-		2,104		5,400		1,333		4,579		13,130		-		-		26,546
Total commercial real estate – owner occupied		167,753		182,800		59,998		64,904		56,080		137,350		14,535		749		684,169

Credit quality indicators by loan classification and contractual loan origination date at September 30, 2026, continued:
	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted To Term Loans		Total
Construction
Pass		11,964		81,304		25,328		475		21,013		541		-		-		140,625
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		101		1,936		885		9,930		14		-		-		12,866
Total construction		11,964		81,405		27,264		1,360		30,943		555		-		-		153,491

Residential real estate – investor
Pass		12,210		7,466		5,314		2,816		12,652		22,606		1,585		-		64,649
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		1,030		-		-		1,030
Total residential real estate – investor		12,210		7,466		5,314		2,816		12,652		23,636		1,585		-		65,679

Residential real estate – owner occupied
Pass		38,973		40,981		9,626		23,066		34,207		97,234		1,179		-		245,266
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		140		353		1,756		-		-		2,249
Total residential real estate – owner occupied		38,973		40,981		9,626		23,206		34,560		98,990		1,179		-		247,515

Multifamily
Pass		77,290		53,853		25,135		58,710		90,138		63,856		195		-		369,177
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		943		311		-		-		1,254
Total multifamily		77,290		53,853		25,135		58,710		91,081		64,167		195		-		370,431

HELOC
Pass		3,602		2,330		1,659		1,379		1,338		4,132		229,143		-		243,583
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		60		-		-		293		2,002		-		2,355
Total HELOC		3,602		2,330		1,719		1,379		1,338		4,425		231,145		-		245,938

Powersport
Pass		255,043		221,436		110,125		66,120		28,533		7,827		-		-		689,084
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		9		51		46		14		25		-		-		145
Total Powersport		255,043		221,445		110,176		66,166		28,547		7,852		-		-		689,229

Other
Pass		72,941		62,426		23,309		14,925		42,671		5,662		5,928		-		227,862
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		85		68		1		-		-		154
Total other		72,941		62,426		23,309		15,010		42,739		5,663		5,928		-		228,016

Total loans
Pass		1,134,484		1,243,712		751,029		479,199		560,740		510,722		458,784		749		5,139,419
Special Mention		-		6,130		6,149		1,678		1,110		923		8,400		-		24,390
Substandard		-		2,308		12,048		7,596		19,829		17,712		10,829		-		70,322
Doubtful		-		-		3,926		-		-		-		-		-		3,926
Total loans	$	1,134,484	$	1,252,150	$	773,152	$	488,473	$	581,679	$	529,357	$	478,013	$	749	$	5,238,057

Credit quality indicators by loan classification and loan origination date at December 31, 2025, were as follows:


	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted To Term Loans		Total
Commercial
Pass	$	275,155	$	161,529	$	94,487	$	22,843	$	8,699	$	9,730	$	214,846	$	125	$	787,414
Special Mention		-		-		-		212		-		-		2,917		-		3,129
Substandard		231		926		19,241		3,611		291		-		27,287		-		51,587
Total commercial		275,386		162,455		113,728		26,666		8,990		9,730		245,050		125		842,130

Leases
Pass		247,515		172,825	$	84,533		27,993		10,164		2,038		-		-		545,068
Special Mention		-		-		374		263		123		-		-		-		760
Substandard		-		214		469		1,745		-		-		-		-		2,428
Total leases		247,515		173,039		85,376		30,001		10,287		2,038		-		-		548,256

Commercial real estate – investor
Pass		296,219		217,761		120,630		255,701		199,993		99,144		6,371		-		1,195,819
Special Mention		82		-		-		-		41		2,197		-		-		2,320
Substandard		-		9,703		1,677		1,690		-		1,175		-		-		14,245
Total commercial real estate – investor		296,301		227,464		122,307		257,391		200,034		102,516		6,371		-		1,212,384

Commercial real estate – owner occupied
Pass		193,988		76,480		67,749		76,670		106,107		103,545		10,309		-		634,848
Special Mention		-		-		161		3,542		2,153		1,782		-		-		7,638
Substandard		58		-		20,929		8,996		20,252		13,846		-		-		64,081
Total commercial real estate – owner occupied		194,046		76,480		88,839		89,208		128,512		119,173		10,309		-		706,567

Construction
Pass		53,522		48,906		31,121		27,500		332		828		-		-		162,209
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		102		-		1,454		9,526		-		339		-		-		11,421
Total construction		53,624		48,906		32,575		37,026		332		1,167		-		-		173,630

Residential real estate – investor
Pass		13,993		5,729		3,677		15,256		15,288		10,743		4,397		-		69,083
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		461		681		-		-		1,142
Total residential real estate – investor		13,993		5,729		3,677		15,256		15,749		11,424		4,397		-		70,225

Residential real estate – owner occupied
Pass		42,941		11,580		25,594		35,826		30,264		81,123		1,207		-		228,535
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		151		202		142		1,402		-		-		1,897
Total residential real estate – owner occupied		42,941		11,580		25,745		36,028		30,406		82,525		1,207		-		230,432

Multifamily
Pass		56,753		20,133		50,464		96,747		70,496		40,926		2,118		-		337,637
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		124		892		313		165		-		-		1,494
Total multifamily		56,753		20,133		50,588		97,639		70,809		41,091		2,118		-		339,131

HELOC
Pass		2,888		2,192		1,700		1,646		278		4,480		220,643		-		233,827
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		240		1,226		-		1,466
Total HELOC		2,888		2,192		1,700		1,646		278		4,720		221,869		-		235,293

Powersport
Pass		323,072		180,099		114,212		57,740		17,237		4,531		-		-		696,891
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		22		44		-		-		2		-		-		68
Total Powersport		323,072		180,121		114,256		57,740		17,237		4,533		-		-		696,959

Other
Pass		81,405		31,889		19,599		48,615		1,729		7,282		6,335		-		196,854
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		163		74		27		6		-		-		270
Total other		81,405		31,889		19,762		48,689		1,756		7,288		6,335		-		197,124

Total loans
Pass		1,587,451		929,123		613,766		666,537		460,587		364,370		466,226		125		5,088,185
Special Mention		82		-		535		4,017		2,317		3,979		2,917		-		13,847
Substandard		391		10,865		44,252		26,736		21,486		17,856		28,513		-		150,099
Total loans	$	1,587,924	$	939,988	$	658,553	$	697,290	$	484,390	$	386,205	$	497,656	$	125	$	5,252,131

The following vintage tables present the amortized cost basis of non-risk rated loans by class and year of origination, based on the Company’s credit quality indicator for such loans as of September 30, 2026 and December 31, 2025. For these loan classes, the Company monitors credit quality based on performing and nonperforming status rather than internal risk ratings.


September 30, 2026	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted To Term Loans		Total
Residential real estate – owner occupied
Performing	$	38,973		40,981		9,626		23,066		34,207		97,024		1,179	$	-	$	245,056
Nonperforming		-		-		-		140		353		1,966		-		-		2,459
Total Residential real estate – owner occupied		38,973		40,981		9,626		23,206		34,560		98,990		1,179		-		247,515

HELOC
Performing		3,602		2,330		1,659		1,379		1,338		4,152		229,318		-		243,778
Nonperforming		-		-		60		-		-		273		1,827		-		2,160
Total HELOC		3,602		2,330		1,719		1,379		1,338		4,425		231,145		-		245,938

Powersport
Performing		254,709		220,694		109,561		65,695		28,178		7,664		-		-		686,501
Nonperforming		334		751		615		471		369		188		-		-		2,728
Total Powersport		255,043		221,445		110,176		66,166		28,547		7,852		-		-		689,229

Other
Performing		72,917		62,426		23,308		14,931		42,671		5,635		5,928		-		227,816
Nonperforming		24		-		1		79		68		28		-		-		200
Total Other		72,941		62,426		23,309		15,010		42,739		5,663		5,928		-		228,016

Total non-risk rated loans
Performing		370,201		326,431		144,154		105,071		106,394		114,475		236,425		-		1,403,151
Nonperforming		358		751		676		690		790		2,455		1,827		-		7,547
Total non-risk rated loans	$	370,559		327,182		144,830		105,761		107,184		116,930		238,252		-		1,410,698


December 31, 2025	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted To Term Loans		Total
Residential real estate – owner occupied
Performing	$	42,941	$	11,580	$	25,594	$	35,826	$	30,264	$	81,168	$	1,207	$	-	$	228,580
Nonperforming		-		-		151		202		142		1,357		-		-		1,852
Total Residential real estate – owner occupied		42,941		11,580		25,745		36,028		30,406		82,525		1,207		-		230,432

HELOC
Performing		2,888		2,192		1,700		1,646		278		4,499		220,868		-		234,071
Nonperforming		-		-		-						221		1,001		-		1,222
Total HELOC		2,888		2,192		1,700		1,646		278		4,720		221,869		-		235,293

Powersport
Performing		322,369		179,391		113,725		57,266		17,026		4,404		-		-		694,181
Nonperforming		703		730		531		474		211		129		-		-		2,778
Total Powersport		323,072		180,121		114,256		57,740		17,237		4,533		-		-		696,959

Other
Performing		81,405		31,889		19,596		48,615		1,730		7,267		6,335		-		196,837
Nonperforming		-		-		166		74		26		21				-		287
Total Other		81,405		31,889		19,762		48,689		1,756		7,288		6,335		-		197,124

Total non-risk rated loans
Performing		449,603		225,052		160,615		143,353		49,298		97,338		228,410		-		1,353,669
Nonperforming		703		730		848		750		379		1,728		1,001		-		6,139
Total non-risk rated loans	$	450,306		225,782		161,463		144,103		49,677		99,066		229,411		-		1,359,808

Schedule of class of financing receivable


Three months ended September 30, 2026	Term Modification		Combination - Term, Interest Rate and Payment Modification ¹		Payment Modification ¹		Combination - Interest Rate and Payment Modification ¹		Combination - Term and Interest Rate Modification		Combination - Term and Payment Modification ¹		Total Loans Modified		% of Total Loan Classification Modified to Total Loan Classification
Commercial	$	-	$	-	$	-	$	-	$	-	$	-	$	-	-	%
Commercial real estate – investor		-		-		-		-		-		-		-	-
Commercial real estate – owner occupied		22,613		-		-		-		-		-		22,613	3.3
Construction		586		-		-		-		-		-		586	0.4
Multifamily		-		-		-		-		-		-		-	-
HELOC		117		-		-		-		-		-		117	0.0
Powersport		-		41		-		5		-		1		47	0.0
Other		-		-		-		-		-		-		-	0.0
Total	$	23,316	$	41	$	-	$	5	$	-	$	1	$	23,363	0.4	%

¹ Payment modifications are either contractual delays in payment or a modificationof the payment amount.


Nine months ended September 30, 2026	Term Modification		Combination - Term, Interest Rate and Payment Modification ¹		Payment Modification ¹		Combination - Interest Rate and Payment Modification ¹		Combination - Term and Interest Rate Modification		Combination - Term and Payment Modification ¹		Total Loans Modified		% of Total Loan Classification Modified to Total Loan Classification
Commercial	$	6,672	$	-	$	-	$	-	$	-	$	2,405	$	9,077	1.0	%
Commercial real estate – investor		-		-		-		-		7,773		-		7,773	0.7
Commercial real estate – owner occupied		22,613		-		-		-		-		-		22,613	3.3
Construction		586		-		-		-		-		-		586	0.4
Multifamily		-		-		-		-		-		-		-	-
HELOC		263		-		-		-		-		-		263	0.1
Powersport		-		171		-		5		-		1		177	0.0
Other		-		8		-		-		-		-		8	0.0
Total	$	30,134	$	179	$	-	$	5	$	7,773	$	2,406	$	40,497	0.8	%

¹ Payment modifications are either contractual delays in payment or a modificationof the payment amount.


Three months ended September 30, 2025	Term Modification		Combination - Term, Interest Rate and Payment Modification ¹		Payment Modification ¹		Interest Rate Modification		Combination - Term and Interest Rate Modification		Combination - Term and Payment Modification ¹		Total Loans Modified		% of Total Loan Classification Modified to Total Loan Classification
Commercial	$	5,025	$	-	$	1,550	$	-	$	1,551	$	6,174	$	14,300	1.8	%
Commercial real estate – investor		1,645		-		-		-		-		34		1,679	0.1
Commercial real estate – owner occupied		6,273		-		-		-		-		1,122		7,395	1.1
Construction		-		-		-		-		-		-		-	-
Multifamily		-		-		-		-		-		-		-	-
HELOC		20		-		-		-		-		-		20	0.0
Powersport		-		51		-		8		-		-		59	0.0
Other		-		-		-		-		-		27		27	0.0
Total	$	12,963	$	51	$	1,550	$	8	$	1,551	$	7,357	$	23,480	0.4	%

¹ Payment modifications are either contractual delays in payment or a modificationof the payment amount.


Nine months ended September 30, 2025	Term Modification		Combination - Term, Interest Rate and Payment Modification ¹		Payment Modification ¹		Combination - Interest Rate and Payment Modification ¹		Combination - Term and Interest Rate Modification		Combination - Term and Payment Modification ¹		Total Loans Modified		% of Total Loan Classification Modified to Total Loan Classification
Commercial	$	10,464	$	-	$	1,550	$	-	$	1,551	$	6,174	$	19,739	2.5	%
Commercial real estate – investor		1,645		-		-		-		12,251		34		13,930	1.1
Commercial real estate – owner occupied		19,124		-		-		-		-		3,197		22,321	3.3
Construction		-		-		-		-		-		-		-	-
Multifamily		-		-		-		-		-		-		-	-
HELOC		20		-		-		-		-		-		20	0.0
Powersport		-		51		-		8		-		-		59	0.0
Other		-		-		-		-		-		27		27	0.0
Total	$	31,253	$	51	$	1,550	$	8	$	13,802	$	9,432	$	56,096	1.1	%

¹ Payment modifications are either contractual delays in payment or a modificationof the payment amount.


September 30, 2026	30-59 days past due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Modifications
Commercial	$	2,405	$	-	$	-	$	2,405	$	6,672	$	9,077
Leases		-		-		-		-		-		-
Commercial real estate – investor		-		-		8,390		8,390		7,773		16,163
Commercial real estate – owner occupied		1,661		-		7,587		9,248		19,955		29,203
Construction		-		-		-		-		586		586
Residential real estate – investor		-		-		-		-		-		-
Residential real estate – owner occupied		-		-		-		-		-		-
Multifamily		-		-		-		-		-		-
HELOC		-		-		-		-		328		328
Powersport		12		4		6		22		162		184
Other		-		-		-		-		8		8
Total	$	4,078	$	4	$	15,983	$	20,065	$	35,484	$	55,549


September 30, 2025	30-59 days past due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Modifications
Commercial	$	3,520	$	-	$	1,609	$	5,129	$	14,610	$	19,739
Leases		-		-		-		-		-		-
Commercial real estate – investor		-		-		-		-		13,930		13,930
Commercial real estate – owner occupied		2,136		-		19,063		21,199		1,122		22,321
Construction		-		-		-		-		-		-
Residential real estate – investor		-		-		-		-		-		-
Residential real estate – owner occupied		-		-		-		-		-		-
Multifamily		-		-		-		-		-		-
HELOC		-		-		-		-		20		20
Powersport		-		-		-		-		59		59
Other		-		-		-		-		27		27
Total	$	5,656	$	-	$	20,672	$	26,328	$	29,768	$	56,096


Three months ended September 30, 2026	Weighted-Average Term Extension (In Months)		Weighted-Average Interest Rate Change			Weighted-Average Delay of Payment (In Months)
Commercial		-		-	%		-
Commercial real estate – investor		-		-			-
Commercial real estate – owner occupied		9.45		-			-
Construction		8.00		-			-
HELOC		22.00		-			-
Powersport		19.83		(2.42)			-
Other		-		-			-
Total		9.49		(2.42)	%		-


Nine months ended September 30, 2026	Weighted-Average Term Modification (In Months)		Weighted-Average Interest Rate Change			Weighted-Average Delay of Payment (In Months)
Commercial		11.97		-	%		-
Commercial real estate – investor		42.00		2.10			-
Commercial real estate – owner occupied		9.45		-			-
Construction		8.00		-			-
HELOC		23.11		-			-
Powersport		11.15		(2.26)			-
Other		1.00		(3.10)			-
Total		16.34		2.00	%		-


Three months ended September 30, 2025	Weighted-Average Term Extension (In Months)		Weighted-Average Interest Rate Change			Weighted-Average Delay of Payment (In Months)
Commercial		7.48		1.50	%		6.00
Commercial real estate – investor		8.94		-			-
Commercial real estate – owner occupied		12.94		-			-
Construction		-		-			-
HELOC		24.00		-			-
Powersport		14.62		(8.94)			-
Other		24.00		-			-
Total		9.48		1.12	%		6.00


Nine months ended September 30, 2025	Weighted-Average Term Extension (In Months)		Weighted-Average Interest Rate Change			Weighted-Average Delay of Payment (In Months)
Commercial		6.24		1.50	%		2.70
Commercial real estate – investor		8.99		(1.00)			-
Commercial real estate – owner occupied		8.36		-			-
Construction		-		-			-
HELOC		24.00		-			-
Powersport		14.62		(8.94)			-
Other		24.00		-			-
Total		7.83		(0.75)	%		2.70