December 31,

(Dollars in thousands)

2024

2023

Commitments to extend credit, including unsecured commitments of $20,535 and $19,858 as of December 31, 2024 and 2023, respectively

$

1,006,649

$

1,150,142

Stand-by letters of credit, including unsecured commitments of $4,490 and $7,010 as of December 31, 2024 and 2023, respectively

15,411

16,858