v3.26.3
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
 9 Months Ended
Sep. 30, 2026
Receivables [Abstract]  
Summary of Loan Portfolio, Excluding Residential Loans Held for Sale, Broken Out by Classes
The following table presents the loan portfolio by segment and class, excluding residential LHFS, at September 30, 2026 and December 31, 2025:
September 30, 2026December 31, 2025
Commercial real estate:
Owner occupied$680,146 $644,713 
Non-owner occupied1,306,387 1,260,198 
Multi-family246,026 236,703 
Non-owner occupied residential145,716 155,749 
Acquisition and development:
1-4 family residential construction54,370 41,489 
Commercial and land development178,823 198,234 
Agricultural91,094 121,417 
Commercial and industrial532,125 489,371 
Municipal34,348 25,302 
Residential mortgage:
First lien518,321 478,870 
Home equity - term5,298 5,972 
Home equity - lines of credit(1)
376,096 321,438 
Other - term(2)
20,424 22,906 
Installment and other loans19,199 18,331 
Total loans $4,208,373 $4,020,693 
(1) Home equity lines of credit include purchases with unearned premium of $733 thousand and zero at September 30, 2026 and December 31, 2025, respectively.
(2) Other - term includes PACE loans with unearned premium of $325 thousand and $505 thousand at September 30, 2026 and December 31, 2025, respectively.
Summary of Amortized Cost of the Loan Portfolio, by Year of Origination, Loan Class, and Credit Quality
The following table presents the amortized cost basis of the loan portfolio, by year of origination, loan class, and credit quality, as of September 30, 2026 and December 31, 2025. For residential and consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan and payment activity. Residential mortgage, installment and other consumer loans are presented below based on payment performance: performing or nonperforming. Nonperforming includes substandard - individually evaluated loans.
Term Loans Amortized Cost Basis by Origination Year
As of September 30, 2026
20262025202420232022PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Commercial Real Estate:
Owner-occupied:
Risk rating
Pass$52,426 $97,711 $44,771 $74,539 $110,862 $231,912 $16,453 $3,512 $632,186 
Special mention— 946 12,704 7,028 — 15,594 168 — 36,440 
Substandard - Non-IEL— — 1,423 2,281 4,264 1,223 35 70 9,296 
Substandard - IEL— — — 409 732 1,083 — — 2,224 
Total owner-occupied loans$52,426 $98,657 $58,898 $84,257 $115,858 $249,812 $16,656 $3,582 $680,146 
Current period gross charge offs - owner-occupied$— $— $— $234 $— $— $— $— $234 
Non-owner occupied:
Risk rating
Pass$149,335 $166,766 $83,906 $111,610 $171,167 $554,088 $9,927 $— $1,246,799 
Special mention— — — 21,773 3,016 34,412 — — 59,201 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — 130 128 129 — — 387 
Total non-owner occupied loans$149,335 $166,766 $83,906 $133,513 $174,311 $588,629 $9,927 $— $1,306,387 
Current period gross charge offs - non-owner occupied$— $— $— $— $— $— $— $— $— 
Multi-family:
Risk rating
Pass$27,561 $13,028 $19,180 $6,278 $76,037 $90,788 $1,698 $— $234,570 
Special mention— — — — 8,799 2,534 — — 11,333 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — 123 — — — 123 
Total multi-family loans$27,561 $13,028 $19,180 $6,278 $84,959 $93,322 $1,698 $— $246,026 
Current period gross charge offs - multi-family$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of September 30, 2026
20262025202420232022PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Non-owner occupied residential:
Risk rating
Pass$11,802 $11,175 $8,592 $15,509 $22,388 $71,298 $212 $— $140,976 
Special mention— — — 272 1,626 1,866 — 37 3,801 
Substandard - Non-IEL— — — — — 580 — 97 677 
Substandard - IEL— — — — 144 118 — — 262 
Total non-owner occupied residential loans$11,802 $11,175 $8,592 $15,781 $24,158 $73,862 $212 $134 $145,716 
Current period gross charge offs - non-owner occupied residential$— $— $— $— $37 $— $— $— $37 
Acquisition and development:
1-4 family residential construction:
Risk rating
Pass$31,780 $13,359 $1,770 $6,956 $— $505 $— $— $54,370 
Special mention— — — — — — — — — 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — — — — — — 
Total 1-4 family residential construction loans$31,780 $13,359 $1,770 $6,956 $— $505 $— $— $54,370 
Current period gross charge offs - 1-4 family residential construction$— $— $— $— $— $— $— $— $— 
Commercial and land development:
Risk rating
Pass$37,617 $30,935 $38,448 $17,509 $32,368 $7,302 $7,590 $— $171,769 
Special mention— — — — — 78 — — 78 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — 392 6,579 5 — — 6,976 
Total commercial and land development loans$37,617 $30,935 $38,448 $17,901 $38,947 $7,385 $7,590 $— $178,823 
Current period gross charge offs - commercial and land development$— $— $— $— $753 $— $— $— $753 
Agricultural
Risk rating
Pass$7,891 $11,497 $7,062 $8,534 $16,025 $29,675 $7,976 $926 $89,586 
Special mention— — — — — 56 24 — 80 
Substandard - Non-IEL— — 809 14 4 373 223 — 1,423 
Substandard - IEL— — — — 5 — — — 5 
Total agricultural loans$7,891 $11,497 $7,871 $8,548 $16,034 $30,104 $8,223 $926 $91,094 
Current period gross charge offs - agricultural$— $— $— $— $— $— $— $— $— 
Commercial and Industrial:
Risk rating
Pass$102,636 $55,473 $80,747 $24,925 $29,934 $43,063 $148,494 $3,010 $488,282 
Special mention1,160 9,975 1,009 7,173 101 1,172 9,737 50 30,377 
Substandard - Non-IEL— — 1,114 770 68 38 7,502 1,194 10,686 
Substandard - IEL— — 217 240 155 320 79 1,769 2,780 
Total commercial and industrial loans$103,796 $65,448 $83,087 $33,108 $30,258 $44,593 $165,812 $6,023 $532,125 
Current period gross charge offs - commercial and industrial$— $— $— $— $— $1,341 $122 $500 $1,963 
continued
Term Loans Amortized Cost Basis by Origination Year
As of September 30, 2026
20262025202420232022PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Municipal:
Risk rating
Pass$10,984 $— $44 $— $8,194 $15,126 $— $— $34,348 
Special mention— — — — — — — — — 
Total municipal loans$10,984 $— $44 $— $8,194 $15,126 $— $— $34,348 
Current period gross charge offs - municipal$— $— $— $— $— $— $— $— $— 
Residential mortgage:
First lien:
Payment performance
Performing$80,970 $65,648 $49,863 $81,674 $86,898 $146,466 $— $— $511,519 
Nonperforming— — 623 1,210 544 4,425 — — 6,802 
Total first lien loans$80,970 $65,648 $50,486 $82,884 $87,442 $150,891 $— $— $518,321 
Current period gross charge offs - first lien$— $— $— $9 $— $— $— $— $9 
Home equity - term:
Payment performance
Performing$577 $659 $250 $441 $815 $2,427 $— $— $5,169 
Nonperforming— 77 — — — 52 — — 129 
Total home equity - term loans$577 $736 $250 $441 $815 $2,479 $— $— $5,298 
Current period gross charge offs - home equity - term$— $— $— $12 $— $— $— $— $12 
Home equity - lines of credit:
Payment performance
Performing$— $— $— $— $— $— $290,847 $81,867 $372,714 
Nonperforming— — — — — — 1,555 1,827 3,382 
Total residential real estate - home equity - lines of credit loans$— $— $— $— $— $— $292,402 $83,694 $376,096 
Current period gross charge offs - home equity - lines of credit$— $— $— $— $— $— $— $— $— 
Other - term:
Payment performance
Performing$— $— $20,424 $— $— $— $— $— $20,424 
Nonperforming— — — — — — — — — 
Total other - term loans$— $— $20,424 $— $— $— $— $— $20,424 
Current period gross charge offs - other - term$— $— $— $— $— $— $— $— $— 
Installment and other loans:
Payment performance
Performing$1,996 $351 $651 $836 $608 $261 $14,491 $2 $19,196 
Nonperforming— — — 3 — — — — 3 
Total Installment and other loans$1,996 $351 $651 $839 $608 $261 $14,491 $2 $19,199 
Current period gross charge offs - installment and other$167 $92 $2 $— $— $— $71 $— $332 
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Commercial Real Estate:
Owner-occupied:
Risk rating
Pass$96,640 $46,784 $88,930 $103,934 $90,037 $152,232 $13,102 $3,642 $595,301 
Special mention— 10,810 1,713 — 6,721 8,927 93 — 28,264 
Substandard - Non-IEL— 723 1,499 4,411 3,837 3,822 1,658 70 16,020 
Substandard - IEL— — 643 821 974 2,690 — — 5,128 
Total owner-occupied loans$96,640 $58,317 $92,785 $109,166 $101,569 $167,671 $14,853 $3,712 $644,713 
Current period gross charge offs - owner-occupied$— $— $— $337 $— $3 $— $— $340 
Non-owner occupied:
Risk rating
Pass$174,958 $92,343 $126,924 $188,935 $305,539 $338,309 $9,044 $— $1,236,052 
Special mention— — 10,053 3,002 — 9,763 — — 22,818 
Substandard - Non-IEL— — — 883 — — — — 883 
Substandard - IEL— — 139 143 163 — — — 445 
Total non-owner occupied loans$174,958 $92,343 $137,116 $192,963 $305,702 $348,072 $9,044 $— $1,260,198 
Current period gross charge offs - non-owner occupied$— $— $— $— $— $— $— $— $— 
Multi-family:
Risk rating
Pass$15,347 $9,283 $6,800 $77,290 $45,263 $71,549 $860 $672 $227,064 
Special mention— — — 8,751 755 — — — 9,506 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — 133 — — — — 133 
Total multi-family loans$15,347 $9,283 $6,800 $86,174 $46,018 $71,549 $860 $672 $236,703 
Current period gross charge offs - multi-family$— $— $— $— $— $— $— $— $— 
Non-owner occupied residential:
Risk rating
Pass$9,829 $9,460 $17,833 $26,227 $24,378 $59,928 $479 $146 $148,280 
Special mention— 487 — 39 763 1,243 — 38 2,570 
Substandard - Non-IEL— — 128 561 2,445 1,210 — 100 4,444 
Substandard - IEL— — — 236 121 98 — — 455 
Total non-owner occupied residential loans$9,829 $9,947 $17,961 $27,063 $27,707 $62,479 $479 $284 $155,749 
Current period gross charge offs - non-owner occupied residential$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Acquisition and development:
1-4 family residential construction:
Risk rating
Pass$32,602 $5,145 $2,408 $411 $923 $— $— $— $41,489 
Special mention— — — — — — — — — 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — — — — — — 
Total 1-4 family residential construction loans$32,602 $5,145 $2,408 $411 $923 $— $— $— $41,489 
Current period gross charge offs - 1-4 family residential construction$— $— $— $— $— $— $— $— $— 
Commercial and land development:
Risk rating
Pass$29,243 $53,272 $27,951 $57,777 $5,319 $3,213 $9,049 $— $185,824 
Special mention— — 4,166 — — — — — 4,166 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — 275 7,639 330 — — — 8,244 
Total commercial and land development loans$29,243 $53,272 $32,392 $65,416 $5,649 $3,213 $9,049 $— $198,234 
Current period gross charge offs - commercial and land development$— $— $— $— $— $— $— $— $— 
Agricultural
Risk rating
Pass$12,698 $8,621 $12,006 $19,421 $17,013 $25,466 $15,533 $723 $111,481 
Special mention— 1,491 1,670 1,240 1,120 3,878 98 — 9,497 
Substandard - Non-IEL— 74 — 9 199 — 148 — 430 
Substandard - IEL— — — 9 — — — — 9 
Total agricultural loans$12,698 $10,186 $13,676 $20,679 $18,332 $29,344 $15,779 $723 $121,417 
Current period gross charge offs - agricultural$— $— $— $— $25 $6 $— $— $31 
Commercial and Industrial:
Risk rating
Pass$76,830 $80,815 $36,440 $45,357 $40,702 $20,836 $137,914 $8,209 $447,103 
Special mention87 6,999 8,285 263 792 344 12,466 834 30,070 
Substandard - Non-IEL— 12 1,152 99 906 18 5,975 176 8,338 
Substandard - IEL— 321 227 233 179 912 — 1,988 3,860 
Total commercial and industrial loans$76,917 $88,147 $46,104 $45,952 $42,579 $22,110 $156,355 $11,207 $489,371 
Current period gross charge offs - commercial and industrial$— $— $406 $175 $56 $100 $499 $— $1,236 
Municipal:
Risk rating
Pass$— $55 $— $9,012 $2,841 $11,991 $— $— $23,899 
Special mention— — — — — 1,403 — — 1,403 
Total municipal loans$— $55 $— $9,012 $2,841 $13,394 $— $— $25,302 
Current period gross charge offs - municipal$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Residential mortgage:
First lien:
Payment performance
Performing$74,268 $54,459 $89,440 $92,611 $46,907 $114,926 $— $— $472,611 
Nonperforming— 626 1,060 176 134 4,263 — — 6,259 
Total first lien loans$74,268 $55,085 $90,500 $92,787 $47,041 $119,189 $— $— $478,870 
Current period gross charge offs - first lien$— $51 $— $— $27 $10 $— $— $88 
Home equity - term:
Payment performance
Performing$1,015 $319 $576 $894 $172 $2,814 $— $— $5,790 
Nonperforming87 — — — — 95 — — 182 
Total home equity - term loans$1,102 $319 $576 $894 $172 $2,909 $— $— $5,972 
Current period gross charge offs - home equity - term$— $— $— $36 $— $— $— $— $36 
Home equity - lines of credit:
Payment performance
Performing$— $— $— $— $— $— $223,787 $94,178 $317,965 
Nonperforming— — — — — — 25 3,448 3,473 
Total residential real estate - home equity - lines of credit loans$— $— $— $— $— $— $223,812 $97,626 $321,438 
Current period gross charge offs - home equity - lines of credit$— $— $— $— $— $23 $— $— $23 
Other - term:
Payment performance
Performing$— $22,906 $— $— $— $— $— $— $22,906 
Nonperforming— — — — — — — — — 
Total other - term loans$— $22,906 $— $— $— $— $— $— $22,906 
Current period gross charge offs - other - term$— $— $— $— $— $— $— $— $— 
Installment and other loans:
Payment performance
Performing$1,186 $1,052 $1,425 $1,153 $345 $213 $12,930 $25 $18,329 
Nonperforming— — 2 — — — — — 2 
Total Installment and other loans$1,186 $1,052 $1,427 $1,153 $345 $213 $12,930 $25 $18,331 
Current period gross charge offs - installment and other$453 $234 $6 $8 $4 $15 $74 $— $794 
Summary of Amortized Cost of Nonaccrual Loans by Class, With and Without Loan Reserves
The following table presents the amortized cost basis of nonaccrual loans, according to loan class, with and without reserves on individually evaluated loans as of September 30, 2026 and December 31, 2025. The Company did not recognize interest income on nonaccrual loans during the three and nine months ended September 30, 2026 and 2025.
September 30, 2026December 31, 2025
Nonaccrual loans with a related ACLNonaccrual loans with no related ACLTotal nonaccrual loansLoans Past Due 90+ AccruingNonaccrual loans with a related ACLNonaccrual loans with no related ACLTotal nonaccrual loansLoans Past Due 90+ Accruing
Commercial real estate:
Owner-occupied$227 $1,997 $2,224 $— $227 $4,901 $5,128 $68 
Non-owner occupied— 387 387 — — 445 445 — 
Multi-family— 123 123 — 133 — 133 — 
Non-owner occupied residential— 262 262 — — 455 455 — 
Acquisition and development:
Commercial and land development2,246 4,730 6,976 — 3,005 5,239 8,244 — 
Agricultural— 5 5 — — 9 9 — 
Commercial and industrial93 2,687 2,780 — 1,197 2,663 3,860 — 
Residential mortgage:
First lien— 6,648 6,648 327 — 6,100 6,100 431 
Home equity – term— 129 129 — — 182 182 — 
Home equity – lines of credit— 3,382 3,382 — — 3,473 3,473 190 
Other - term— — — 264 — — — 346 
Installment and other loans— 3 3 — 2 — 2 5 
Total$2,566 $20,353 $22,919 $591 $4,564 $23,467 $28,031 $1,040 
Summary of Amortized Cost Basis of Collateral Dependent Loans
The following table presents the amortized cost basis of collateral-dependent individually evaluated loans by class as of September 30, 2026 and December 31, 2025:
Type of Collateral
September 30, 2026Business AssetsCommercial Real EstateEquipmentLandResidential Real EstateOtherTotal
Commercial real estate:
Owner occupied$— $2,224 $— $— $— $— $2,224 
Non-owner occupied— 387 — — — — 387 
Multi-family— 123 — — — — 123 
Non-owner occupied residential— 262 — — — — 262 
Acquisition and development:
Commercial and land development— 6,956 — 20 — — 6,976 
Agricultural— — 5 — — — 5 
Commercial and industrial2,179 — 609 — — — 2,788 
Residential mortgage:
First lien— — — — 6,475 — 6,475 
Home equity - term— — — — 129 — 129 
Home equity - lines of credit— — — — 3,382 — 3,382 
Installment and other loans— — 3 — — — 3 
Total$2,179 $9,952 $617 $20 $9,986 $— $22,754 
December 31, 2025
Commercial real estate:
Owner occupied$— $5,128 $— $— $— $— $5,128 
Non-owner occupied— 445 — — — — 445 
Multi-family— 133 — — — — 133 
Non-owner occupied residential— 455 — — — — 455 
Acquisition and development:
Commercial and land development— 7,897 — 347 — — 8,244 
Agricultural— — 9 — — — 9 
Commercial and industrial2,921 — 945 — — — 3,866 
Residential mortgage:
First lien— — — — 5,914 — 5,914 
Home equity - term— — — — 182 — 182 
Home equity - lines of credit— — — — 3,473 — 3,473 
Installment and other loans— — 2 — — — 2 
Total$2,921 $14,058 $956 $347 $9,569 $— $27,851 
Summary of Loans Modified by Class and Type of Modification and Effectiveness of Modifications
The following table presents the amortized cost of loans that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2026 and 2025, by loan class and by type of modification. The percentage of the amortized cost of loans that were modified to borrowers experiencing difficulty as compared to the amortized cost of loan class is also presented below.
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate ReductionCombination Term Extension and Principal ForgivenessCombination Term Extension and Interest Rate ReductionsTotal Class of Financing Receivable
Three Months Ended
September 30, 2026
Commercial real estate:
Owner-occupied$— $— $1,005 $— $— $— 0.15 %
Total:$— $— $1,005 $— $— $— 
September 30, 2025
Commercial real estate:
Owner-occupied$— $— $46 $— $— $94 0.02 %
Total:$— $— $46 $— $— $94 
Nine Months Ended
September 30, 2026
Commercial real estate:
Owner-occupied$— $— $1,005 $— $— $— 0.15 %
Acquisition and development:
Commercial and land development— — 4,709 — — — 2.63 %
Agricultural— — 190 — — — 0.21 %
Commercial and industrial— — 641 — — — 0.12 %
Total:$— $— $6,545 $— $— $— 
September 30, 2025
Commercial real estate:
Owner-occupied$— $— $770 $— $— $94 0.14 %
Acquisition and development:
Commercial and land development— — 4,916 — — — 2.52 %
Total:$— $— $5,686 $— $— $94 
The following table presents the performance of the loans modified during the nine months ended September 30, 2026 and 2025, which includes loans that remain on nonaccrual status:
Current30-59 Days Past Due60-89 Days Past Due90 Days or More Past DueTotalNon-Accrual
September 30, 2026
Commercial real estate:
Owner-occupied$— $— $— $— $— $1,005 
Acquisition and development:
Commercial and land development— — — — — 4,709 
Agricultural190 — — — 190 — 
Commercial and industrial641 — — — 641 — 
Total:$831 $— $— $— $831 $5,714 
September 30, 2025
Commercial real estate:
Owner-occupied$770 $— $— $— $770 $94 
Acquisition and development:
Commercial and land development— — — — — 4,916 
Total:$770 $— $— $— $770 $5,010 
The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2026 and 2025:
Principal ForgivenessWeighted Average Interest Rate ReductionWeighted Average Term Extension (in years)
Three Months Ended
September 30, 2026
Commercial real estate:
Owner-occupied$— — %2.0
September 30, 2025
Commercial real estate:
Owner-occupied$— 2.5 %4.2
Nine Months Ended
September 30, 2026
Commercial real estate:
Owner-occupied$— — %2.0
Acquisition and development:
Commercial and land development— — %0.4
Agricultural— — %1.0
Commercial and industrial— — %4.0
September 30, 2025
Commercial real estate:
Owner-occupied$— 2.5 %1.5
Acquisition and development:
Commercial and land development— — %0.6
Summary of Loan Portfolio Summarized by Aging Categories of Performing Loans and Nonaccrual Loans The following table presents the classes of the loan portfolio summarized by aging categories at September 30, 2026 and December 31, 2025:
30-59 Days Past Due60-89 Days Past Due90+ Days Past DueTotal
Past Due		Loans Not Past DueTotal
Loans
September 30, 2026
Commercial real estate:
Owner occupied$392 $283 $608 $1,283 $678,863 $680,146 
Non-owner occupied— — 259 259 1,306,128 1,306,387 
Multi-family— — 124 124 245,902 246,026 
Non-owner occupied residential594 — — 594 145,122 145,716 
Acquisition and development:
1-4 family residential construction— — — — 54,370 54,370 
Commercial and land development— — 2,246 2,246 176,577 178,823 
Agricultural14 — — 14 91,080 91,094 
Commercial and industrial10 46 400 456 531,669 532,125 
Municipal— — — — 34,348 34,348 
Residential mortgage:
First lien792 1,050 3,771 5,613 512,708 518,321 
Home equity - term— 2 83 85 5,213 5,298 
Home equity - lines of credit2,093 663 1,078 3,834 372,262 376,096 
Other - term— — 264 264 20,160 20,424 
Installment and other loans16 7 — 23 19,176 19,199 
$3,911 $2,051 $8,833 $14,795 $4,193,578 $4,208,373 
December 31, 2025
Commercial real estate:
Owner occupied$1,066 $148 $1,770 $2,984 $641,729 $644,713 
Non-owner occupied462 792 — 1,254 1,258,944 1,260,198 
Multi-family100 — 133 233 236,470 236,703 
Non-owner occupied residential98 24 115 237 155,512 155,749 
Acquisition and development:
1-4 family residential construction— — — — 41,489 41,489 
Commercial and land development— 151 7,969 8,120 190,114 198,234 
Agricultural807 — — 807 120,610 121,417 
Commercial and industrial1,614 155 1,139 2,908 486,463 489,371 
Municipal— — — — 25,302 25,302 
Residential mortgage:
First lien9,264 3,158 4,085 16,507 462,363 478,870 
Home equity - term53 55 128 236 5,736 5,972 
Home equity - lines of credit2,101 491 2,715 5,307 316,131 321,438 
Other - term— — 346 346 22,560 22,906 
Installment and other loans28 13 5 46 18,285 18,331 
$15,593 $4,987 $18,405 $38,985 $3,981,708 $4,020,693 
Summary of Activity in the ALL and Ending Loan Balances Individually Evaluated for Impairment Based on Loan Segment
The following table presents the activity in the ACL for the three and nine months ended September 30, 2026 and 2025:
CommercialConsumer
Commercial
Real Estate		Acquisition
and
Development		AgriculturalCommercial
and
Industrial		MunicipalTotalResidential
Mortgage		Installment
and Other		TotalTotal
Three Months Ended
September 30, 2026
Balance, beginning of period$25,279 $5,431 $200 $6,105 $422 $37,437 $8,670 $525 $9,195 $46,632 
Provision for credit losses562 (739)(8)1,281 14 1,110 (49)65 16 1,126 
Charge-offs(234)— — (744)— (978)— (90)(90)(1,068)
Recoveries— — — 35 — 35 9 41 50 85 
Balance, end of period$25,607 $4,692 $192 $6,677 $436 $37,604 $8,630 $541 $9,171 $46,775 
September 30, 2025
Balance, beginning of period$26,163 $5,585 $160 $7,484 $385 $39,777 $7,603 $518 $8,121 $47,898 
Provision for credit losses656 (106)(26)(567)(10)(53)234 215 449 396 
Charge-offs(154)— — (29)— (183)(134)(201)(335)(518)
Recoveries7 — — 255 — 262 9 58 67 329 
Balance, end of period$26,672 $5,479 $134 $7,143 $375 $39,803 $7,712 $590 $8,302 $48,105 
Nine Months Ended
September 30, 2026
Balance, beginning of period$25,552 $6,179 $127 $7,114 $328 $39,300 $7,708 $673 $8,381 $47,681 
Provision for credit losses306 (734)65 1,433 108 1,178 919 95 1,014 2,192 
Charge-offs(271)(753)— (1,963)— (2,987)(21)(332)(353)(3,340)
Recoveries20 — — 93 — 113 24 105 129 242 
Balance, end of period$25,607 $4,692 $192 $6,677 $436 $37,604 $8,630 $541 $9,171 $46,775 
September 30, 2025
Balance, beginning of period$29,551 $6,601 $110 $6,190 $320 $42,772 $5,240 $677 $5,917 $48,689 
Provision for credit losses(2,554)(1,124)55 698 55 (2,870)2,455 466 2,921 51 
Charge-offs(340)— (31)(741)— (1,112)(134)(669)(803)(1,915)
Recoveries15 2 — 996 — 1,013 151 116 267 1,280 
Balance, end of period$26,672 $5,479 $134 $7,143 $375 $39,803 $7,712 $590 $8,302 $48,105