ALLOWANCE FOR CREDIT LOSSES FOR LOANS (“ACLL”) (Tables)

12 Months Ended

Dec. 31, 2025

Allowance For Credit Losses For Loans

Schedule of allowance for credit losses for loans

		Real estate secured
(Dollars in thousands)		Commercial			Construction and Land Development			Residential 1-4 family			Multifamily			Farmland			Commercial			Agriculture			Consumer and All Other			Total
Year ended December 31, 2025
Beginning balance	$	2,565		$	322		$	2,923		$	382		$	149		$	751		$	36		$	556		$	7,684
Charge-offs		(1	)		—			(139	)		—			—			(97	)		(50	)		(376	)		(663	)
Recoveries		—			54			60			12			3			8			3			207		347
Provision for credit losses		292			35			(45	)		165			14			(60	)		93			245			739
Ending balance	$	2,856		$	411		$	2,799		$	559		$	166		$	602		$	82		$	632		$	8,107
		Real estate secured
(Dollars in thousands)		Commercial			Construction and Land Development			Residential 1-4 family			Multifamily			Farmland			Commercial			Agriculture			Consumer and All Other			Total
Year ended December 31, 2024
Beginning balance	$	2,518		$	300		$	2,666		$	509		$	163		$	673		$	33		$	394		$	7,256
Charge-offs		(180	)		—			(75	)		(95	)		—			(162	)		—			(279	)		(791	)
Recoveries		106			44			100			—			297			9			—			157			713
Provision for credit losses		121			(22	)		232			(32	)		(311	)		231			3			284			506
Ending balance	$	2,565		$	322		$	2,923		$	382		$	149		$	751		$	36		$	556		$	7,684