Schedule of recorded investment in non-performing loans by class of loans


		September 30, 2026
		Loans Past
		Due Over				Nonaccrual
		90 Days				With No
		and Greater				Allowance
(Dollar amounts in thousands)		Still Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial		$	53	$	380	$	—
Farmland			—		191		—
Non Farm, Non Residential			89		14,176		78
Agriculture			—		645		24
All Other Commercial			—		185		143
Residential
First Liens			875		1,355		—
Home Equity			83		219		—
Junior Liens			236		273		—
Multifamily			—		—		—
All Other Residential			—		—		—
Consumer
Motor Vehicle			2		2,212		—
All Other Consumer			5		139		—
TOTAL		$	1,343	$	19,775	$	245


		December 31, 2025
		Loans Past
		Due Over				Nonaccrual
		90 Days				With No
		and Greater				Allowance
(Dollar amounts in thousands)		Still Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial		$	51	$	6,058	$	394
Farmland			—		—		—
Non Farm, Non Residential			—		15,365		13,126
Agriculture			—		1,218		—
All Other Commercial			—		195		143
Residential
First Liens			606		918		82
Home Equity			178		442		—
Junior Liens			232		81		—
Multifamily			47		517		205
All Other Residential			—		39		20
Consumer
Motor Vehicle			—		2,449		—
All Other Consumer			—		213		—
TOTAL		$	1,114	$	27,495	$	13,970

Schedule of performance of loans and leases that have been modified to borrowers experiencing financial difficulty

The following table presents the amortized cost of loans and leases at September 30, 2026 that were both experiencing financial difficulty and modified during the twelve months ended September 30, 2026, by class and by type of modification.



											Combination		Combination
											Term		Term		Total
											Extension and		Extension		Class of
		Principal		Payment		Term		Interest Rate			Principal		Interest Rate		Financing
(Dollar amounts in thousands)		Forgiveness		Delay		Extension		Reduction		Forgiveness		Reduction		Receivable
Residential
First Liens		$	—	$	—	$	302	$	—	$	—	$	46		0.06	%
Junior Liens			—		—		14		—		—		—		0.02	%
All Other Residential			—		—		—		—		—		73		0.21	%
Consumer
Motor Vehicle			22		—		71		—		87		—		0.03	%
TOTAL		$	22	$	—	$	387	$	—	$	87	$	119		0.01	%

The following table presents the financial effect of loan and lease modifications presented above to borrowers experiencing financial difficulty for the twelve months ended September 30, 2026.


				Weighted-			Weighted-
				Average			Average
		Principal		Interest Rate			Term
(Dollar amounts in thousands)		Forgiveness		Reduction			Extension
								(months)
Residential
First Liens		$	—		4.25	%		64
Junior Liens			—		—	%		240
All Other Residential			—		0.63	%		180
Consumer
Motor Vehicle			46		—	%		25
TOTAL		$	46		2.03	%		72

Schedule of amortized cost basis of collateral dependent loans


		September 30, 2026
		Collateral Type
(Dollar amounts in thousands)		Real Estate		Other
Commercial
Commercial & Industrial		$	—	$	3,316
Farmland			—		—
Non Farm, Non Residential			13,834		—
Agriculture			—		430
All Other Commercial			143		—
Residential
First Liens			2,197		—
Home Equity			—		—
Junior Liens			565		—
Multifamily			—		—
All Other Residential			—		—
Consumer
Motor Vehicle			—		—
All Other Consumer			—		—
Total		$	16,739	$	3,746


	December 31, 2025
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	3,644	$	5,666
Farmland		48		—
Non Farm, Non Residential		17,572		—
Agriculture		—		829
All Other Commercial		143		—
Residential
First Liens		82		—
Home Equity		—		—
Junior Liens		—		—
Multifamily		205		—
All Other Residential		20		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	21,714	$	6,495

Schedule of commercial loan portfolio by risk category


		September 30, 2026
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2026		2025		2024		2023		2022		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	77,900	$	61,718	$	55,879	$	23,286	$	62,943	$	138,084	$	124,966	$	544,776
	Special Mention		5,473		338		7,139		2,051		341		12,182		20,096	$	47,620
	Substandard		406		133		7		60		110		3,022		3,490	$	7,228
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		594		1,071		725		313		122		34		—	$	2,859
	Subtotal	$	84,373	$	63,260	$	63,750	$	25,710	$	63,516	$	153,322	$	148,552	$	602,483

	Current period gross charge-offs	$	-	$	149	$	52	$	-	$	10	$	-	$	-	$	211

Farmland	Pass	$	10,374	$	13,635	$	7,623	$	13,172	$	12,461	$	49,744	$	512	$	107,521
	Special Mention		880		749		1,606		880		81		4,542		—	$	8,738
	Substandard		—		895		—		—		—		1,510		—	$	2,405
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		4		—	$	4
	Subtotal	$	11,254	$	15,279	$	9,229	$	14,052	$	12,542	$	55,800	$	512	$	118,668

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Non Farm, Non Residential	Pass	$	72,908	$	175,896	$	165,652	$	122,805	$	168,876	$	333,247	$	18,149	$	1,057,533
	Special Mention		—		3,891		8,270		—		6		2,044		—	$	14,211
	Substandard		—		—		—		—		136		15,524		—	$	15,660
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		757		—		—		—		—		—		—	$	757
	Subtotal	$	73,665	$	179,787	$	173,922	$	122,805	$	169,018	$	350,815	$	18,149	$	1,088,161

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	775	$	-	$	775

Agriculture	Pass	$	6,101	$	6,509	$	6,947	$	3,924	$	3,305	$	16,964	$	56,610	$	100,360
	Special Mention		100		1,226		241		1,182		2,719		2,019		7,131	$	14,618
	Substandard		219		105		16		78		—		437		930	$	1,785
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		1		—		—		—		—	$	1
	Subtotal	$	6,420	$	7,840	$	7,205	$	5,184	$	6,024	$	19,420	$	64,671	$	116,764

	Current period gross charge-offs	$	-	$	-	$	256	$	73	$	55	$	442	$	-	$	826

Other Commercial	Pass	$	87,242	$	147,876	$	35,007	$	13,677	$	65,726	$	82,421	$	11,952	$	443,901
	Special Mention		—		300		560		—		—		—		—	$	860
	Substandard		—		—		—		—		—		203		—	$	203
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		48		167		—	$	215
	Subtotal	$	87,242	$	148,176	$	35,567	$	13,677	$	65,774	$	82,791	$	11,952	$	445,179

	Current period gross charge-offs	$	544	$	2	$	-	$	-	$	-	$	-	$	25	$	571

Residential
Multifamily >5 Residential	Pass	$	15,931	$	89,623	$	139,402	$	54,515	$	67,829	$	109,758	$	1,059	$	478,117
	Special Mention		6,060		—		—		—		11,713		184		—	$	17,957
	Substandard		—		—		—		—		—		—		—	$	—
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		—		—	$	—
	Subtotal	$	21,991	$	89,623	$	139,402	$	54,515	$	79,542	$	109,942	$	1,059	$	496,074

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Total	Pass	$	270,456	$	495,257	$	410,510	$	231,379	$	381,140	$	730,218	$	213,248	$	2,732,208
	Special Mention		12,513		6,504		17,816		4,113		14,860		20,971		27,227	$	104,004
	Substandard		625		1,133		23		138		246		20,696		4,420	$	27,281
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,351		1,071		726		313		170		205		—	$	3,836
		$	284,945	$	503,965	$	429,075	$	235,943	$	396,416	$	772,090	$	244,895	$	2,867,329


		December 31, 2025
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2025		2024		2023		2022		2021		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	109,471	$	69,074	$	31,396	$	89,638	$	70,630	$	99,985	$	140,465	$	610,659
	Special Mention		—		6,292		302		1,145		5,347		3,769		2,603	$	19,458
	Substandard		—		11		32		504		1,511		6,737		4,203	$	12,998
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,595		1,061		514		289		115		53		—	$	3,627
	Subtotal	$	111,066	$	76,438	$	32,244	$	91,576	$	77,603	$	110,544	$	147,271	$	646,742

	Current period gross charge-offs	$	81	$	52	$	-	$	86	$	56	$	219	$	-	$	494

Farmland	Pass	$	15,852	$	9,054	$	17,769	$	14,137	$	15,774	$	49,862	$	365	$	122,813
	Special Mention		—		1,145		701		—		—		87		—	$	1,933
	Substandard		—		—		478		—		—		626		—	$	1,104
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		6		—	$	6
	Subtotal	$	15,852	$	10,199	$	18,948	$	14,137	$	15,774	$	50,581	$	365	$	125,856

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Non Farm, Non Residential	Pass	$	156,729	$	157,955	$	90,074	$	153,861	$	138,925	$	170,080	$	9,680	$	877,304
	Special Mention		—		8,350		—		946		—		2,034		—	$	11,330
	Substandard		—		—		—		1,924		15,699		3,382		—	$	21,005
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		697		—	$	697
	Subtotal	$	156,729	$	166,305	$	90,074	$	156,731	$	154,624	$	176,193	$	9,680	$	910,336

	Current period gross charge-offs	$	-	$	-	$	-	$	33	$	-	$	11	$	-	$	44

Agriculture	Pass	$	13,315	$	10,053	$	6,034	$	6,428	$	3,040	$	27,137	$	56,978	$	122,985
	Special Mention		385		84		—		914		141		999		4,298	$	6,821
	Substandard		29		287		207		142		17		4,422		3,865	$	8,969
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		1		—		1		21		—		—	$	23
	Subtotal	$	13,729	$	10,425	$	6,241	$	7,485	$	3,219	$	32,558	$	65,141	$	138,798

	Current period gross charge-offs	$	-	$	4	$	-	$	-	$	-	$	83	$	-	$	87

Other Commercial	Pass	$	95,156	$	87,870	$	62,856	$	90,093	$	70,734	$	136,922	$	7,986	$	551,617
	Special Mention		300		560		—		—		—		—		—	$	860
	Substandard		—		—		—		—		541		213		—	$	754
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		15		—		366		—	$	381
	Subtotal	$	95,456	$	88,430	$	62,856	$	90,108	$	71,275	$	137,501	$	7,986	$	553,612

	Current period gross charge-offs	$	728	$	-	$	-	$	-	$	-	$	-	$	-	$	728

Residential
Multifamily >5 Residential	Pass	$	30,157	$	96,593	$	55,938	$	54,759	$	34,709	$	37,417	$	544	$	310,117
	Special Mention		—		—		—		12,075		—		6,319		—	$	18,394
	Substandard		—		—		—		205		—		280		—	$	485
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		420		953		—	$	1,373
	Subtotal	$	30,157	$	96,593	$	55,938	$	67,039	$	35,129	$	44,969	$	544	$	330,369

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Total	Pass	$	420,680	$	430,599	$	264,067	$	408,916	$	333,812	$	521,403	$	216,018	$	2,595,495
	Special Mention		685		16,431		1,003		15,080		5,488		13,208		6,901	$	58,796
	Substandard		29		298		717		2,775		17,768		15,660		8,068	$	45,315
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,595		1,062		514		305		556		2,075		—	$	6,107
		$	422,989	$	448,390	$	266,301	$	427,076	$	357,624	$	552,346	$	230,987	$	2,705,713


		September 30, 2026
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2026		2025		2024		2023		2022		Prior		Loans		Total
Residential
First Liens	Performing	$	53,249	$	69,267	$	71,181	$	48,430	$	75,423	$	224,183	$	7,524	$	549,257
	Non-performing		—		78		748		371		—		1,028		—	$	2,225
	Subtotal	$	53,249	$	69,345	$	71,929	$	48,801	$	75,423	$	225,211	$	7,524	$	551,482

	Current period gross charge-offs	$	-	$	9	$	-	$	-	$	10	$	169	$	-	$	188

Home Equity	Performing	$	140	$	476	$	472	$	696	$	2,162	$	2,891	$	135,683	$	142,520
	Non-performing		—		—		—		—		54		163		84	$	301
	Subtotal	$	140	$	476	$	472	$	696	$	2,216	$	3,054	$	135,767	$	142,821

	Current period gross charge-offs	$	-	$	-	$	21	$	-	$	-	$	43	$	-	$	64

Junior Liens	Performing	$	17,394	$	21,688	$	11,936	$	8,737	$	8,089	$	10,924	$	4,172	$	82,940
	Non-performing		—		28		211		137		75		56		—	$	507
	Subtotal	$	17,394	$	21,716	$	12,147	$	8,874	$	8,164	$	10,980	$	4,172	$	83,447

	Current period gross charge-offs	$	-	$	81	$	-	$	-	$	-	$	23	$	-	$	104

Other Residential	Performing	$	10,132	$	11,281	$	4,394	$	2,733	$	3,360	$	3,145	$	—	$	35,045
	Non-performing		—		—		—		—		—		—		—	$	—
	Subtotal	$	10,132	$	11,281	$	4,394	$	2,733	$	3,360	$	3,145	$	—	$	35,045

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	38	$	-	$	38

Consumer
Motor Vehicle	Performing	$	240,595	$	213,846	$	119,373	$	73,021	$	41,747	$	5,987	$	40	$	694,609
	Non-performing		96		518		595		306		534		147		—	$	2,196
	Subtotal	$	240,691	$	214,364	$	119,968	$	73,327	$	42,281	$	6,134	$	40	$	696,805

	Current period gross charge-offs	$	334	$	2,090	$	1,299	$	1,470	$	1,365	$	208	$	-	$	6,766

Other Consumer	Performing	$	3,423	$	3,399	$	2,593	$	1,282	$	1,143	$	1,245	$	15,215	$	28,300
	Non-performing		—		54		37		40		2		9		21	$	163
	Subtotal	$	3,423	$	3,453	$	2,630	$	1,322	$	1,145	$	1,254	$	15,236	$	28,463

	Current period gross charge-offs	$	-	$	81	$	85	$	27	$	14	$	78	$	250	$	535

Total	Performing	$	324,933	$	319,957	$	209,949	$	134,899	$	131,924	$	248,375	$	162,634	$	1,532,671
	Non-performing		96		678		1,591		854		665		1,403		105	$	5,392
Total other loans		$	325,029	$	320,635	$	211,540	$	135,753	$	132,589	$	249,778	$	162,739	$	1,538,063


		December 31, 2025
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2025		2024		2023		2022		2021		Prior		Loans		Total
Residential
First Liens	Performing	$	64,142	$	61,775	$	39,526	$	74,359	$	60,920	$	144,310	$	1,786	$	446,818
	Non-performing		—		70		—		—		45		1,456		—	$	1,571
	Subtotal	$	64,142	$	61,845	$	39,526	$	74,359	$	60,965	$	145,766	$	1,786	$	448,389

	Current period gross charge-offs	$	-	$	33	$	31	$	-	$	-	$	11	$	-	$	75

Home Equity	Performing	$	338	$	938	$	793	$	650	$	259	$	1,284	$	101,907	$	106,169
	Non-performing		—		—		—		33		17		175		393	$	618
	Subtotal	$	338	$	938	$	793	$	683	$	276	$	1,459	$	102,300	$	106,787

	Current period gross charge-offs	$	-	$	-	$	-	$	22	$	-	$	19	$	10	$	51

Junior Liens	Performing	$	23,832	$	13,403	$	9,409	$	9,145	$	4,674	$	9,676	$	2,107	$	72,246
	Non-performing		—		14		152		25		17		99		—	$	307
	Subtotal	$	23,832	$	13,417	$	9,561	$	9,170	$	4,691	$	9,775	$	2,107	$	72,553

	Current period gross charge-offs	$	-	$	30	$	-	$	-	$	-	$	85	$	-	$	115

Other Residential	Performing	$	7,829	$	6,807	$	3,843	$	4,991	$	3,573	$	1,757	$	—	$	28,800
	Non-performing		—		—		—		—		49		8		—	$	57
	Subtotal	$	7,829	$	6,807	$	3,843	$	4,991	$	3,622	$	1,765	$	—	$	28,857

	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—

Consumer
Motor Vehicle	Performing	$	279,286	$	168,244	$	113,956	$	76,182	$	14,119	$	5,441	$	9	$	657,237
	Non-performing		222		519		500		866		194		128		—	$	2,429
	Subtotal	$	279,508	$	168,763	$	114,456	$	77,048	$	14,313	$	5,569	$	9	$	659,666

	Current period gross charge-offs	$	759	$	2,380	$	2,279	$	4,075	$	713	$	249	$	-	$	10,455

Other Consumer	Performing	$	4,776	$	5,276	$	2,726	$	1,503	$	1,137	$	942	$	11,842	$	28,202
	Non-performing		2		67		67		19		35		12		65	$	267
	Subtotal	$	4,778	$	5,343	$	2,793	$	1,522	$	1,172	$	954	$	11,907	$	28,469

	Current period gross charge-offs	$	13	$	246	$	180	$	53	$	44	$	24	$	201	$	761

Total	Performing	$	380,203	$	256,443	$	170,253	$	166,830	$	84,682	$	163,410	$	117,651	$	1,339,472
	Non-performing		224		670		719		943		357		1,878		458	$	5,249
Total other loans		$	380,427	$	257,113	$	170,972	$	167,773	$	85,039	$	165,288	$	118,109	$	1,344,721