Loans and Leases

6 Months Ended

Jun. 30, 2025

Receivables [Abstract]

Loans and Leases

Loans and Leases

Summary of Major Loan and Lease Categories

(Dollars in thousands)	At June 30, 2025		At December 31, 2024
Commercial, financial and agricultural	$	1,052,246	$	1,037,835
Real estate-commercial	3,485,615		3,530,451
Real estate-construction	302,424		274,483
Real estate-residential secured for business purpose	535,210		536,095
Real estate-residential secured for personal purpose	984,166		994,972
Real estate-home equity secured for personal purpose	195,014		186,836
Loans to individuals	14,069		21,250
Lease financings	232,441		244,661
Total loans and leases held for investment, net of deferred income	$	6,801,185	$	6,826,583
Less: Allowance for credit losses, loans and leases	(86,989)		(87,091)
Net loans and leases held for investment	$	6,714,196	$	6,739,492
Imputed interest on lease financings, included in the above table	$	(29,947)	$	(31,927)
Net deferred costs, included in the above table	6,646		6,992
Overdraft deposits included in the above table	170		104

Age Analysis of Past Due Loans and Leases

The following presents, by class of loans and leases held for investment, an aging of past due loans and leases, loans and leases which are current and nonaccrual loans and leases at June 30, 2025 and December 31, 2024:

	Accruing Loans and Leases
(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current		Total Accruing Loans and Leases		Nonaccrual Loans and Leases		Total Loans and Leases Held for Investment
At June 30, 2025
Commercial, financial and agricultural	$	8,270	$	2,188	$	—	$	10,458	$	1,034,884	$	1,045,342	$	6,904	$	1,052,246
Real estate—commercial real estate and construction:
Commercial real estate	3,129		202		—		3,331		3,466,623		3,469,954		15,661		3,485,615
Construction	635		—		—		635		301,789		302,424		—		302,424
Real estate—residential and home equity:
Residential secured for business purpose	2,871		361		—		3,232		529,629		532,861		2,349		535,210
Residential secured for personal purpose	3,900		157		—		4,057		978,925		982,982		1,184		984,166
Home equity secured for personal purpose	1,154		576		—		1,730		192,030		193,760		1,254		195,014
Loans to individuals	167		144		16		327		13,742		14,069		—		14,069
Lease financings	2,619		486		109		3,214		228,670		231,884		557		232,441
Total	$	22,745	$	4,114	$	125	$	26,984	$	6,746,292	$	6,773,276	$	27,909	$	6,801,185

	Accruing Loans and Leases
(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current		Total Accruing Loans and Leases		Nonaccrual Loans and Leases		Total Loans and Leases Held for Investment
At December 31, 2024
Commercial, financial and agricultural	$	1,750	$	723	$	—	$	2,473	$	1,031,567	$	1,034,040	$	3,795	$	1,037,835
Real estate—commercial real estate and construction:
Commercial real estate	415		2,919		—		3,334		3,524,438		3,527,772		2,679		3,530,451
Construction	3,659		—		—		3,659		270,824		274,483		—		274,483
Real estate—residential and home equity:
Residential secured for business purpose	1,077		—		—		1,077		534,432		535,509		586		536,095
Residential secured for personal purpose	3,040		—		—		3,040		988,127		991,167		3,805		994,972
Home equity secured for personal purpose	1,063		309		—		1,372		184,273		185,645		1,191		186,836
Loans to individuals	187		59		24		270		20,980		21,250		—		21,250
Lease financings	1,026		502		297		1,825		242,225		244,050		611		244,661
Total	$	12,217	$	4,512	$	321	$	17,050	$	6,796,866	$	6,813,916	$	12,667	$	6,826,583

During the three months ended June 30, 2025, a $23.7 million commercial loan relationship was placed on nonaccrual status due to, among other things, suspected fraud. Subsequent to the relationship being placed on nonaccrual status, a $7.3 million charge-off was recognized during the quarter. The remaining $16.4 million carrying value is supported by the appraised value of real estate collateral.

Nonperforming Loans and Leases

The following presents, by class of loans and leases, nonperforming loans and leases at June 30, 2025 and December 31, 2024.

	At June 30, 2025						At December 31, 2024
(Dollars in thousands)	Nonaccrual Loans and Leases		Loans and Leases 90 Days or more Past Due and Accruing Interest		Total Nonperforming Loans and Leases		Nonaccrual Loans and Leases		Loans and Leases 90 Days or more Past Due and Accruing Interest		Total Nonperforming Loans and Leases
Commercial, financial and agricultural	$	6,904	$	—	$	6,904	$	3,795	$	—	$	3,795
Real estate—commercial real estate and construction:
Commercial real estate	15,661		—		15,661		2,679		—		2,679
Real estate—residential and home equity:
Residential secured for business purpose	2,349		—		2,349		586		—		586
Residential secured for personal purpose	1,184		—		1,184		3,805		—		3,805
Home equity secured for personal purpose	1,254		—		1,254		1,191		—		1,191
Loans to individuals	—		16		16		—		24		24
Lease financings	557		109		666		611		297		908
Total	$	27,909	$	125	$	28,034	$	12,667	$	321	$	12,988

The following table presents the amortized cost basis of loans and leases held for investment on nonaccrual status and loans and leases held for investment 90 days or more past due and still accruing as of June 30, 2025 and December 31, 2024.

(Dollars in thousands)	Nonaccrual With No Allowance for Credit Losses		Nonaccrual With Allowance for Credit Losses		Total Nonaccrual		Loans and Leases 90 Days or more Past Due and Accruing Interest
At June 30, 2025
Commercial, financial and agricultural	$	2,645	$	4,259	$	6,904	$	—
Real estate-commercial	15,301		360		15,661		—
Real estate-residential secured for business purpose	2,349		—		2,349		—
Real estate-residential secured for personal purpose	1,184		—		1,184		—
Real estate-home equity secured for personal purpose	1,254		—		1,254		—
Loans to individuals	—		—		—		16
Lease financings	—		557		557		109
Total	$	22,733	$	5,176	$	27,909	$	125
At December 31, 2024
Commercial, financial and agricultural	$	187	$	3,608	$	3,795	$	—
Real estate-commercial	1,834		845		2,679		—
Real estate-residential secured for business purpose	586		—		586		—
Real estate-residential secured for personal purpose	3,805		—		3,805		—
Real estate-home equity secured for personal purpose	1,191		—		1,191		—
Loans to individuals	—		—		—		24
Lease financings	—		611		611		297
Total	$	7,603	$	5,064	$	12,667	$	321

For the six months ended June 30, 2025, $23 thousand of interest income was recognized on nonaccrual loans and leases.

The following table presents, by class of loans and leases, the amortized cost basis of collateral-dependent nonaccrual loans and leases and type of collateral as of June 30, 2025 and December 31, 2024.

(Dollars in thousands)	Real Estate		Other (1)		None (2)		Total
At June 30, 2025
Commercial, financial and agricultural	$	4,087	$	2,121	$	696	$	6,904
Real estate-commercial	15,661		—		—		15,661
Real estate-residential secured for business purpose	2,349		—		—		2,349
Real estate-residential secured for personal purpose	1,184		—		—		1,184
Real estate-home equity secured for personal purpose	1,254		—		—		1,254
Lease financings	—		557		—		557
Total	$	24,535	$	2,678	$	696	$	27,909
(Dollars in thousands)	Real Estate		Other (1)		None (2)		Total
At December 31, 2024
Commercial, financial and agricultural	$	1,521	$	1,843	$	431	$	3,795
Real estate-commercial	2,661		—		18		2,679
Real estate-residential secured for business purpose	586		—		—		586
Real estate-residential secured for personal purpose	3,805		—		—		3,805
Real estate-home equity secured for personal purpose	1,191		—		—		1,191
Lease financings	—		611		—		611
Total	$	9,764	$	2,454	$	449	$	12,667

(1) Collateral consists of business assets, including accounts receivable, personal property and equipment.

(2) Loans fully guaranteed or fully reserved given lack of collateral.

Credit Quality Indicators

The Corporation categorizes risk based on relevant information about the ability of the borrower to service their debt. Loans with a relationship balance of less than $1 million are reviewed when necessary based on their performance, primarily when such loans are delinquent. Commercial, financial and agricultural loans, real estate-commercial loans, real estate-construction loans and real estate-residential secured for a business purpose loans with relationships greater than $1 million are reviewed at least annually. Loan relationships with a higher risk profile or classified as special mention or substandard are reviewed at least quarterly. The Corporation reviews credit quality key risk indicators on at least an annual basis and last completed this review in conjunction with the period ended December 31, 2024. The following is a description of the internal risk ratings and the likelihood of loss related to the credit quality of commercial, financial and agricultural loans, real estate-commercial loans, real estate-construction loans and real estate-residential secured for a business purpose loans.

1.Pass—Loans considered satisfactory with no indications of deterioration

2.Special Mention—Potential weakness that deserves management's close attention

3.Substandard—Well-defined weakness or weaknesses that jeopardize the liquidation of the debt

4.Doubtful—Collection or liquidation in-full, on the basis of current existing facts, conditions and values, highly questionable and improbable

Based on the most recent analysis performed, the following table presents the recorded investment in loans and leases held for investment for commercial, financial and agricultural loans, real estate-commercial loans, real estate-construction loans and real estate-residential secured for a business purpose loans by credit quality indicator at June 30, 2025 and December 31, 2024.

	Term Loans Amortized Cost Basis by Origination Year
(Dollars in thousands)	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
At June 30, 2025
Commercial, Financial and Agricultural
Risk Rating
1. Pass	$	129,091	$	148,042	$	59,416	$	43,197	$	73,033	$	50,049	$	440,540	$	990	$	944,358
2. Special Mention	461		—		8,637		23,359		—		—		21,689		—		54,146
3. Substandard	495		7,994		454		1,727		5,739		5,627		31,706		—		53,742
Total	$	130,047	$	156,036	$	68,507	$	68,283	$	78,772	$	55,676	$	493,935	$	990	$	1,052,246
Current period gross charge-offs	$	9	$	—	$	2,070	$	7	$	—	$	585	$	6,723	$	—	$	9,394
Real Estate-Commercial
Risk Rating
1. Pass	$	302,594	$	432,781	$	411,318	$	866,924	$	543,162	$	802,582	$	81,928	$	—	$	3,441,289
2. Special Mention	7,505		9,195		412		—		—		1,221		—		—		18,333
3. Substandard	—		—		187		3,004		11,530		9,513		1,759		—		25,993
Total	$	310,099	$	441,976	$	411,917	$	869,928	$	554,692	$	813,316	$	83,687	$	—	$	3,485,615
Current period gross charge-offs	$	—	$	—	$	—	$	20	$	—	$	—	$	—	$	—	$	20
Real Estate-Construction
Risk Rating
1. Pass	$	70,540	$	104,316	$	50,790	$	48,463	$	3,122	$	3,503	$	13,463	$	—	$	294,197
2. Special Mention	—		—		—		—		—		—		—		—		—
3. Substandard	245		—		—		4,932		—		—		3,050		—		8,227
Total	$	70,785	$	104,316	$	50,790	$	53,395	$	3,122	$	3,503	$	16,513	$	—	$	302,424
Real Estate-Residential Secured for Business Purpose
Risk Rating
1. Pass	$	51,712	$	84,955	$	84,933	$	127,406	$	98,962	$	51,380	$	31,994	$	—	$	531,342
2. Special Mention	—		74		438		—		673		—		100		—		1,285
3. Substandard	—		—		1,654		—		—		804		125		—		2,583
Total	$	51,712	$	85,029	$	87,025	$	127,406	$	99,635	$	52,184	$	32,219	$	—	$	535,210
Totals By Risk Rating
1. Pass	$	553,937	$	770,094	$	606,457	$	1,085,990	$	718,279	$	907,514	$	567,925	$	990	$	5,211,186
2. Special Mention	7,966		9,269		9,487		23,359		673		1,221		21,789		—		73,764
3. Substandard	740		7,994		2,295		9,663		17,269		15,944		36,640		—		90,545
Total	$	562,643	$	787,357	$	618,239	$	1,119,012	$	736,221	$	924,679	$	626,354	$	990	$	5,375,495
Total current period gross charge-offs	$	9	$	—	$	2,070	$	27	$	—	$	585	$	6,723	$	—	$	9,414

	Term Loans Amortized Cost Basis by Origination Year
(Dollars in thousands)	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
At December 31, 2024
Commercial, Financial and Agricultural
Risk Rating
1. Pass	$	232,925	$	73,453	$	68,205	$	95,135	$	16,403	$	44,329	$	411,413	$	871	$	942,734
2. Special Mention	3,622		6,489		24,423		166		5		—		27,106		—		61,811
3. Substandard	—		500		1,975		6,623		—		6,401		17,791		—		33,290
Total	$	236,547	$	80,442	$	94,603	$	101,924	$	16,408	$	50,730	$	456,310	$	871	$	1,037,835
Real Estate-Commercial
Risk Rating
1. Pass	$	506,644	$	441,802	$	882,071	$	581,693	$	538,539	$	471,734	$	81,145	$	—	$	3,503,628
2. Special Mention	1,763		—		716		—		3,028		12,213		—		—		17,720
3. Substandard	—		—		2,662		827		1,402		1,317		2,895		—		9,103
Total	$	508,407	$	441,802	$	885,449	$	582,520	$	542,969	$	485,264	$	84,040	$	—	$	3,530,451
Real Estate-Construction
Risk Rating
1. Pass	$	109,627	$	71,770	$	58,072	$	4,226	$	1,700	$	1,899	$	19,636	$	—	$	266,930
2. Special Mention	—		—		—		—		—		—		—		—		—
3. Substandard	248		—		4,095		—		2,403		—		807		—		7,553
Total	$	109,875	$	71,770	$	62,167	$	4,226	$	4,103	$	1,899	$	20,443	$	—	$	274,483
Real Estate-Residential Secured for Business Purpose
Risk Rating
1. Pass	$	93,976	$	95,743	$	137,406	$	104,156	$	48,495	$	21,937	$	31,922	$	—	$	533,635
2. Special Mention	547		239		—		683		405		—		—		—		1,874
3. Substandard	—		—		—		—		548		38		—		—		586
Total	$	94,523	$	95,982	$	137,406	$	104,839	$	49,448	$	21,975	$	31,922	$	—	$	536,095
Totals By Risk Rating
1. Pass	$	943,172	$	682,768	$	1,145,754	$	785,210	$	605,137	$	539,899	$	544,116	$	871	$	5,246,927
2. Special Mention	5,932		6,728		25,139		849		3,438		12,213		27,106		—		81,405
3. Substandard	248		500		8,732		7,450		4,353		7,756		21,493		—		50,532
Total	$	949,352	$	689,996	$	1,179,625	$	793,509	$	612,928	$	559,868	$	592,715	$	871	$	5,378,864

The Corporation had no loans with a risk rating of Doubtful included within recorded investment in loans and leases held for investment at June 30, 2025 or December 31, 2024.

The Corporation monitors the credit risk profile by payment activity for the following classifications of loans and leases: real estate-residential secured for personal purpose loans, real estate-home equity secured for personal purpose loans, loans to individuals and lease financings. The Corporation reviews credit quality indicators on at least an annual basis and last completed this review in conjunction with the period ended December 31, 2024. Loans and leases past due 90 days or more and loans and leases on nonaccrual status are considered nonperforming. Nonperforming loans and leases are reviewed monthly. Performing loans and leases are reviewed only if the loan becomes 60 days or more past due.

Based on the most recent analysis performed, the following table presents the recorded investment in loans and leases held for investment for real estate-residential secured for personal purpose loans, real estate-home equity secured for personal purpose loans, loans to individuals and lease financings by credit quality indicator at June 30, 2025 and December 31, 2024.

	Term Loans Amortized Cost Basis by Origination Year
(Dollars in thousands)	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
At June 30, 2025
Real Estate-Residential Secured for Personal Purpose
Payment Performance
1. Performing	$	11,748	$	27,343	$	205,261	$	346,472	$	190,302	$	200,740	$	—	$	981,866
2. Nonperforming	—		—		—		138		—		1,046		—		1,184
Total	$	11,748	$	27,343	$	205,261	$	346,610	$	190,302	$	201,786	$	—	$	983,050
Real Estate-Home Equity Secured for Personal Purpose
Payment Performance
1. Performing	$	255	$	239	$	328	$	2,102	$	353	$	1,353	$	189,130	$	193,760
2. Nonperforming	—		—		—		—		—		—		1,254		1,254
Total	$	255	$	239	$	328	$	2,102	$	353	$	1,353	$	190,384	$	195,014
Loans to Individuals
Payment Performance
1. Performing	$	1,203	$	1,682	$	690	$	285	$	216	$	579	$	9,398	$	14,053
2. Nonperforming	—		—		—		—		—		16		—		16
Total	$	1,203	$	1,682	$	690	$	285	$	216	$	595	$	9,398	$	14,069
Current period gross charge-offs	$	50	$	78	$	48	$	9	$	—	$	—	$	168	$	353
Lease Financings
Payment Performance
1. Performing	$	34,013	$	73,844	$	69,219	$	35,912	$	15,049	$	3,738	$	—	$	231,775
2. Nonperforming	23		36		194		254		109		50		—		666
Total	$	34,036	$	73,880	$	69,413	$	36,166	$	15,158	$	3,788	$	—	$	232,441
Current period gross charge-offs	$	—	$	—	$	161	$	164	$	34	$	47	$	16	$	422
Totals by Payment Performance
1. Performing	$	47,219	$	103,108	$	275,498	$	384,771	$	205,920	$	206,410	$	198,528	$	1,421,454
2. Nonperforming	23		36		194		392		109		1,112		1,254		3,120
Total	$	47,242	$	103,144	$	275,692	$	385,163	$	206,029	$	207,522	$	199,782	$	1,424,574
Total current period gross charge-offs	$	50	$	78	$	209	$	173	$	34	$	47	$	184	$	775

	Term Loans Amortized Cost Basis by Origination Year
(Dollars in thousands)	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
At December 31, 2024
Real Estate-Residential Secured for Personal Purpose
Payment Performance
1. Performing	$	25,908	$	203,136	$	356,506	$	195,727	$	121,743	$	88,147	$	—	$	991,167
2. Nonperforming	—		—		142		37		2,836		790		—		3,805
Total	$	25,908	$	203,136	$	356,648	$	195,764	$	124,579	$	88,937	$	—	$	994,972
Real Estate-Home Equity Secured for Personal Purpose
Payment Performance
1. Performing	$	354	$	352	$	2,260	$	402	$	326	$	1,201	$	180,750	$	185,645
2. Nonperforming	—		—		21		—		—		—		1,170		1,191
Total	$	354	$	352	$	2,281	$	402	$	326	$	1,201	$	181,920	$	186,836
Loans to Individuals
Payment Performance
1. Performing	$	2,008	$	963	$	459	$	300	$	19	$	610	$	16,867	$	21,226
2. Nonperforming	—		—		—		—		—		24		—		24
Total	$	2,008	$	963	$	459	$	300	$	19	$	634	$	16,867	$	21,250
Lease Financings
Payment Performance
1. Performing	$	83,360	$	82,634	$	46,986	$	23,088	$	5,989	$	1,696	$	—	$	243,753
2. Nonperforming	197		168		473		32		25		13		—		908
Total	$	83,557	$	82,802	$	47,459	$	23,120	$	6,014	$	1,709	$	—	$	244,661
Totals by Payment Performance
1. Performing	$	111,630	$	287,085	$	406,211	$	219,517	$	128,077	$	91,654	$	197,617	$	1,441,791
2. Nonperforming	197		168		636		69		2,861		827		1,170		5,928
Total	$	111,827	$	287,253	$	406,847	$	219,586	$	130,938	$	92,481	$	198,787	$	1,447,719

The Corporation had no revolving loans which were converted to term loans included within recorded investment in loans and leases held for investment at June 30, 2025 or December 31, 2024.

Allowance for Credit Losses on Loans and Leases and Recorded Investment in Loans and Leases

The following presents, by portfolio segment, a summary of the activity in the allowance for credit losses, loans and leases, for the three and six months ended June 30, 2025 and 2024. There were no changes to the reasonable and supportable forecast period, the reversion period, or any significant methodology changes during the six months ended June 30, 2025.

(Dollars in thousands)	Beginning balance		Provision (reversal of provision) for credit losses		Charge-offs		Recoveries		Ending balance
Three Months Ended June 30, 2025
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	17,527	$	6,973	$	(7,837)	$	316	$	16,979
Real estate-commercial	47,166		(831)		—		3		46,338
Real estate-construction	4,750		503		—		—		5,253
Real estate-residential secured for business purpose	7,507		(39)		—		—		7,468
Real estate-residential secured for personal purpose	6,394		50		—		7		6,451
Real estate-home equity secured for personal purpose	1,566		43		—		—		1,609
Loans to individuals	328		189		(188)		15		344
Lease financings	2,552		118		(133)		10		2,547
Total	$	87,790	$	7,006	$	(8,158)	$	351	$	86,989
Three Months Ended June 30, 2024
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	13,932	$	1,448	$	(920)	$	85	$	14,545
Real estate-commercial	45,853		121		—		4		45,978
Real estate-construction	6,254		(101)		—		—		6,153
Real estate-residential secured for business purpose	8,800		(1,294)		—		233		7,739
Real estate-residential secured for personal purpose	6,637		(31)		—		—		6,606
Real estate-home equity secured for personal purpose	1,184		504		—		—		1,688
Loans to individuals	388		70		(127)		17		348
Lease financings	2,584		205		(122)		21		2,688
Total	$	85,632	$	922	$	(1,169)	$	360	$	85,745

(Dollars in thousands)	Beginning balance		Provision (reversal of provision) for credit losses		Charge-offs		Recoveries		Ending balance
Six Months Ended June 30, 2025
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	16,079	$	9,652	$	(9,394)	$	642	$	16,979
Real estate-commercial	46,867		(516)		(20)		7		46,338
Real estate-construction	4,924		329		—		—		5,253
Real estate-residential secured for business purpose	7,491		(23)		—		—		7,468
Real estate-residential secured for personal purpose	7,222		(778)		—		7		6,451
Real estate-home equity secured for personal purpose	1,706		(97)		—		—		1,609
Loans to individuals	342		333		(353)		22		344
Lease financings	2,460		491		(422)		18		2,547
Total	$	87,091	$	9,391	$	(10,189)	$	696	$	86,989
Six Months Ended June 30, 2024
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	13,699	$	2,263	$	(1,513)	$	96	$	14,545
Real estate-commercial	45,849		122		—		7		45,978
Real estate-construction	6,543		110		(500)		—		6,153
Real estate-residential secured for business purpose	8,692		(1,188)		—		235		7,739
Real estate-residential secured for personal purpose	6,349		123		—		134		6,606
Real estate-home equity secured for personal purpose	1,289		399		—		—		1,688
Loans to individuals	392		305		(406)		57		348
Lease financings	2,574		439		(352)		27		2,688
Total	$	85,387	$	2,573	$	(2,771)	$	556	$	85,745

The following presents, by portfolio segment, the balance in the allowance for credit losses on loans and leases disaggregated on the basis of whether the loan or lease was measured for credit loss as a pooled loan or lease or if it was individually analyzed for a reserve at June 30, 2025 and 2024:

	Allowance for credit losses, loans and leases						Loans and leases held for investment
(Dollars in thousands)	Ending balance: individually analyzed		Ending balance: pooled		Total ending balance		Ending balance: individually analyzed		Ending balance: pooled		Total ending balance
At June 30, 2025
Commercial, financial and agricultural	$	2,541	$	14,438	$	16,979	$	6,904	$	1,045,342	$	1,052,246
Real estate-commercial	151		46,187		46,338		15,661		3,469,954		3,485,615
Real estate-construction	—		5,253		5,253		—		302,424		302,424
Real estate-residential secured for business purpose	—		7,468		7,468		2,349		532,861		535,210
Real estate-residential secured for personal purpose	—		6,451		6,451		1,184		982,982		984,166
Real estate-home equity secured for personal purpose	—		1,609		1,609		1,254		193,760		195,014
Loans to individuals	—		344		344		—		14,069		14,069
Lease financings	116		2,431		2,547		116		232,325		232,441
Total	$	2,808	$	84,181	$	86,989	$	27,468	$	6,773,717	$	6,801,185
At June 30, 2024
Commercial, financial and agricultural	$	433	$	14,112	$	14,545	$	2,237	$	1,053,095	$	1,055,332
Real estate-commercial	23		45,955		45,978		4,140		3,369,749		3,373,889
Real estate-construction	—		6,153		6,153		3,523		309,706		313,229
Real estate-residential secured for business purpose	—		7,739		7,739		822		531,806		532,628
Real estate-residential secured for personal purpose	—		6,606		6,606		3,818		948,847		952,665
Real estate-home equity secured for personal purpose	—		1,688		1,688		1,193		177,957		179,150
Loans to individuals	—		348		348		15		26,415		26,430
Lease financings	—		2,688		2,688		—		251,514		251,514
Total	$	456	$	85,289	$	85,745	$	15,748	$	6,669,089	$	6,684,837

Modified Loans to Borrowers Experiencing Financial Difficulty

The following presents, by class of loans, information regarding accruing and nonaccrual modified loans to borrowers experiencing financial difficulty during the three months ended June 30, 2025 and 2024.

	Term Extension
	Three Months Ended June 30, 2025							Three Months Ended June 30, 2024
(Dollars in thousands)	Number of Loans	Amortized Cost Basis*		% of Total Class of Financing Receivable		Related Reserve		Number of Loans	Amortized Cost Basis*		% of Total Class of Financing Receivable		Related Reserve
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty:
Commercial, financial and agricultural	4	$	12,514	1.19	%	$	64	1	$	4,925	0.47	%	$	10
Total	4	$	12,514			$	64	1	$	4,925			$	10
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty:
Total	—	$	—			$	—	—	$	—			$	—

	Other-Than-Insignificant Payment Delay
	Three Months Ended June 30, 2025							Three Months Ended June 30, 2024
(Dollars in thousands)	Number of Loans	Amortized Cost Basis*		% of Total Class of Financing Receivable		Related Reserve		Number of Loans	Amortized Cost Basis*		% of Total Class of Financing Receivable		Related Reserve
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty:
Commercial, financial and agricultural	—	$	—	—	%	—		2	$	7,333	0.69	%	98
Total	—	—				—		2	7,333				98
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty:
Total	—	$	—			$	—	—	$	—			$	—

*Amortized cost excludes $54 thousand and $73 thousand of accrued interest receivable on modified loans for the three months ended June 30, 2025 and June 30, 2024, respectively.

	Term Extension
	Six Months Ended June 30, 2025							Six Months Ended June 30, 2024
(Dollars in thousands)	Number of Loans	Amortized Cost Basis*		% of Total Class of Financing Receivable		Related Reserve		Number of Loans	Amortized Cost Basis*		% of Total Class of Financing Receivable		Related Reserve
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty:
Commercial, financial and agricultural	5	$	14,624	1.39	%	$	68	1	$	4,925	0.47	%	$	10
Real estate—commercial	—	—		—		—		2	3,213		0.10		2
Real estate—construction	2	5,010		1.66		5		—	—		—		—
Total	7	$	19,634			$	73	3	$	8,138			$	12
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty:
Real estate—construction	—	—		—		—		2	3,523		1.12		—
Total	—	$	—			$	—	2	$	3,523			$	—

	Other-Than-Insignificant Payment Delay
	Six Months Ended June 30, 2025							Six Months Ended June 30, 2024
(Dollars in thousands)	Number of Loans	Amortized Cost Basis*		% of Total Class of Financing Receivable		Related Reserve		Number of Loans	Amortized Cost Basis*		% of Total Class of Financing Receivable		Related Reserve
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty:
Commercial, financial and agricultural	—	$	—	—	%	$	—	2	$	7,333	0.69	%	$	98
Total	—	$	—			$	—	2	$	7,333			$	98
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty:
Total	—	$	—			$	—	—	$	—			$	—

*Amortized cost excludes $99 thousand and $95 thousand of accrued interest receivable on modified loans for the six months ended June 30, 2025 and June 30, 2024, respectively.

The following presents, by class of loans, information regarding the financial effect on accruing and nonaccrual modified loans to borrowers experiencing financial difficulty during the three and six months ended June 30, 2025 and 2024.

	Term Extension		Other-Than-Insignificant Payment Delay
(Dollars in thousands)	No. of Loans	Financial Effect	No. of Loans	Financial Effect
Three Months Ended June 30, 2025
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty:
Commercial, financial and agricultural	4	Added a weighted-average 8 months to the life of the loans, which reduced monthly payment amounts for the borrowers.	—
Total	4		—
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty:
Total	—		—
Three Months Ended June 30, 2024
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty:
Commercial, financial and agricultural	1	Added 10 months to the life of the loan, which reduced monthly payment amount for the borrower.	2	Provided 3 months of payment deferrals to assist borrowers.
Total	1		2
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty:
Total	—		—
Six Months Ended June 30, 2025
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty:
Commercial, financial and agricultural	5	Added a weighted-average 9 months to the life of the loan, which reduced monthly payment amount for the borrower.	—
Real estate—construction	2	Added a weighted-average 5 months to the life of the loan, which reduced monthly payment amounts for the borrower.	—
Total	7		—
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty:
Total	—		—
Six Months Ended June 30, 2024
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty:
Commercial, financial and agricultural	1	Added a weighted-average 10 months to the life of the loans, which reduced monthly payment amounts for the borrowers.	2	Added 3 months of payment deferrals to assist borrowers.
Real estate—commercial	2	Added a weighted-average 8 months to the life of the loan, which reduced monthly payment amount for the borrower.	—
Total	3		2
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty:
Real estate—construction	2	Added a weighted-average 8 months to the life of the loans, which reduced monthly payment amounts for the borrowers.
Total	2		—

There were no accruing or nonaccrual modified loans to borrowers experiencing financial difficulty for which there were payment defaults during the 12-month period preceding modification for the three and six months ended June 30, 2025 and 2024.

The following presents, by class of loans, the amortized cost and performance status of accruing and nonaccrual modified loans to borrowers experiencing financial difficulty that have been modified in the last 12 months as of June 30, 2025 and 2024.

	At June 30, 2025
(Dollars in thousands)	Current		30-89 Days Past Due		90 Days or More Past Due		Total
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty:
Commercial, financial and agricultural	$	14,624	$	—	$	—	$	14,624
Real estate—construction	5,010		—		—		5,010
Total	$	19,634	$	—	$	—	$	19,634
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty:
Total	$	—	$	—	$	—	$	—

	At June 30, 2024
(Dollars in thousands)	Current		30-89 Days Past Due			90 Days or More Past Due		Total
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty:
Commercial, financial and agricultural	$	12,258	$	—		$	—	$	12,258
Real estate—commercial	8,060		—			—		8,060
Total	$	20,318	$	—		$	—	$	20,318
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty:
Real estate—construction	$	3,523	$	—	0	$	—	$	3,523
Total	$	3,523	$	—		$	—	$	3,523

As of June 30, 2025 and June 30, 2024, the Bank had $1.2 million and $971 thousand, respectively, in commitments to extend credit to borrowers experiencing financial difficulty whose terms had been modified.

The following presents the amount of consumer mortgages collateralized by residential real estate property that were in the process of foreclosure at June 30, 2025 or December 31, 2024.

(Dollars in thousands)	At June 30, 2025		At December 31, 2024
Real estate-residential secured for personal purpose	$	637	$	3,095
Real estate-home equity secured for personal purpose	—		125
Total	$	637	$	3,220

The following presents foreclosed residential real estate property included in other real estate owned at June 30, 2025 or December 31, 2024.

(Dollars in thousands)	At June 30, 2025		At December 31, 2024
Foreclosed residential real estate	$	2,526	$	234

Lease Financings

The following presents the schedule of minimum lease payments receivable:

(Dollars in thousands)	At June 30, 2025		At December 31, 2024
2025 (excluding the six months ended June 30, 2025)	$	49,075	$	91,125
2026	83,903		76,977
2027	63,391		56,881
2028	38,934		32,899
2029	18,183		12,101
Thereafter	4,492		1,964
Total future minimum lease payments receivable	257,978		271,947
Plus: Unguaranteed residual	1,478		1,485
Plus: Initial direct costs	2,932		3,156
Less: Imputed interest	(29,947)		(31,927)
Lease financings	$	232,441	$	244,661