Loans and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Receivables [Abstract]

Schedule of Loans

Loans consisted of the following at December 31, 2025 and 2024:

	December 31,
	2025		2024
	(dollars in thousands)
Loans held for investment:
Construction and development	$	570,749	$	552,676
Commercial, financial & agricultural	1,761,287		1,874,906
Non-owner-occupied commercial real estate1	3,150,269		3,197,765
Owner-occupied commercial real estate	1,580,260		1,572,955
Commercial real estate	4,730,529		4,770,720
Total commercial loans	7,062,565		7,198,302
Residential mortgage loans2	3,321,101		3,105,760
Home equity lines of credit	410,845		349,011
Consumer credit card	98,310		93,825
Other consumer loans	551,395		903,452
Total residential and consumer loans	4,381,651		4,452,048
Total unpaid principal balance	11,444,216		11,650,350
Add: Unearned income	(9,611)		(26,259)
Total loans held for investment	11,434,605		11,624,091
Loans held for sale	54,119		34,264
Total loans held for investment	$	11,488,724	$	11,658,355
1 Non-owner-occupied commercial real estate loans presentation updated to include multi-family loans
2 Residential mortgage loans presentation updated to include residential construction and development

Schedule of Loans Made to Officers and Directors

Loans made to officers and directors of the Company are summarized below. They were made in the ordinary course of business and otherwise on terms consistent with those available to all customers.

	December 31, 2025
	(dollars in thousands)
Balance of loans to related parties, beginning of year	$	274,803
New loans	57,204
Repayments	(41,031)
Change in relationship	49,035
Balance of loans to related parties, end of year	$	340,010

Schedule of Credit Loss Model Inputs

The assumptions utilized in estimating the Company’s allowance for credit losses at December 31, 2025 and 2024 are discussed below.

Key Assumption	December 31, 2025	December 31, 2024
Overall economic forecast	- Forecast provided by Oxford Economics - Expect the economy to continue to expand, with strong AI related investment with no sign of slowing down - The labor market is softening, affecting real disposable income growth. However, consumer spending is holding up with tariffs driving the cost of core goods.	- Forecast provided by Oxford Economics - Uncertainty around economic forecasts prior to the change in administration. - Forecasted GDP growth with expectations that imports will be front-loaded ahead of tariffs. - Path of monetary policy is uncertain with anticipation of rate cuts skewing towards fewer.
Reasonable and supportable period and related reversion period	- 4 quarter reasonable and supportable period - 4 quarter reversion to historical average loss rates using straight line method	- 4 quarter reasonable and supportable period - 4 quarter reversion to historical average loss rates using straight line method
Forecasted macro-economic variables	- Unemployment ranging from 4.1% to 4.4% - GDP growth forecast of 2.0% -Prime rate is 6.75%, declining to 6.25% at the end of the supportable forecast	- Unemployment ranging from 4.2% and 4.3% - GDP growth forecast of 2.6% - Prime rate is 7.5%, with a 25 basis point decline each quarter of the supportable forecast period
Prepayment assumptions	- Commercial loan prepayment speeds of 14.4% - Mortgage and HELOC prepayment speeds of 18.3% - Consumer loan and credit card prepayment speeds of 15.0%	- Commercial loan prepayment speeds of 14.4% - Mortgage and HELOC prepayment speeds of 18.3% - Consumer loan and credit card prepayment speeds of 15.0%
Qualitative factors	Qualitative adjustments for: - Impact of inflation, tariffs, and interest rates on borrower ability to repay - Economic, government policy, and geopolitical uncertainties - Changes in portfolio composition, concentrations, and underwriting standards	Qualitative adjustments for: - Economic uncertainty related to geopolitical risks and upcoming change in administration - Ongoing impact of inflation and increased rate environment on customer ability to repay - Changes in portfolio composition, concentrations, and underwriting standards

Schedule of Financing Receivable, Allowance for Credit Loss

The following is a summary of the activity in the allowance for credit losses on loans and the liability for unfunded lending commitments during the years ended December 31, 2025 and 2024. Included within commercial loans are the following pools – real estate development & construction, commercial real estate (CRE), owner-occupied CRE, commercial & industrial (C&I), and multifamily residential loans. Included within residential real estate are 1-4 family residential and home equity loans. Included within individual loans are consumer and credit card loans.

	December 31, 2025
					Commercial real estate				Residential real estate				Consumer				Total
	Construction & development		Commercial, financial, & agricultural		Non-owner occupied commercial real estate		Owner occupied commercial real estate		Residential mortgage loans		Home equity lines of credit		Consumer credit card		All other consumer credit
Allowance for credit losses on loans	(dollars in thousands)
Balance at beginning of year	$	14,119	$	23,915	$	24,815	$	9,940	$	43,471	$	4,505	$	8,299	$	25,215	$	154,279
Provision for credit losses on loans	855		3,396		235		701		5,439		1,097		2,964		(5,231)		9,456
Loans charged off	(14)		(4,749)		(816)		(384)		(731)		(64)		(3,452)		(10,986)		(21,196)
Recoveries on loans previously charged off	23		912		403		3		162		4		995		4,633		7,135
Balance at end of year	$	14,983	$	23,474	$	24,637	$	10,260	$	48,341	$	5,542	$	8,806	$	13,631	$	149,674
Liability for unfunded commitments
Balance at beginning of year	165		161		6		10		7		135		—		—		484
Provision for credit losses on unfunded lending commitments	(61)		(45)		2		(3)		2		(30)		—		—		(135)
Balance at end of year	$	104	$	116	$	8	$	7	$	9	$	105	$	—	$	—	$	349
Allowance for credit losses on loans and liability for unfunded lending commitments	$	15,087	$	23,590	$	24,645	$	10,267	$	48,350	$	5,647	$	8,806	$	13,631	$	150,023

	December 31, 2024
					Commercial real estate				Residential real estate				Consumer				Total
	Construction & development		Commercial, financial, & agricultural		Non-owner occupied commercial real estate		Owner occupied commercial real estate		Residential mortgage loans		Home equity lines of credit		Consumer credit card		All other consumer credit
Allowance for credit losses on loans	(dollars in thousands)
Balance at beginning of year	$	17,571	$	21,180	$	23,464	$	9,626	$	39,214	$	4,885	$	8,071	$	30,798	$	154,809
Provision for credit losses on loans	(2,593)		6,043		3,156		(201)		4,274		(388)		3,437		948		14,676
Loans charged off	(950)		(6,900)		(1,821)		(5)		(355)		(11)		(3,894)		(10,929)		(24,865)
Recoveries on loans previously charged off	91		3,592		16		520		338		19		685		4,398		9,659
Balance at end of year	$	14,119	$	23,915	$	24,815	$	9,940	$	43,471	$	4,505	$	8,299	$	25,215	$	154,279
Liability for unfunded commitments
Balance at beginning of year	139		206		14		8		13		188		—		—		568
Provision for credit losses on unfunded lending commitments	26		(45)		(8)		2		(6)		(53)		—		—		(84)
Balance at end of year	$	165	$	161	$	6	$	10	$	7	$	135	$	—	$	—	$	484
Allowance for credit losses on loans and liability for unfunded lending commitments	$	14,284	$	24,076	$	24,821	$	9,950	$	43,478	$	4,640	$	8,299	$	25,215	$	154,763

Schedule of Age Analysis of Past Due Loans

The following table provides aging information on the Company’s past due and accruing loans, in addition to the balances of loans on non-accrual status, at December 31, 2025 and 2024. Balances in the tables below represent total unpaid principal balances gross of unearned and unamortized loan fees and costs.

	December 31, 2025
	Current or less than 30 days past due		30 - 89 days past due		90 days past due and still accruing		Nonaccrual		Total
Loans held for investment:	(dollars in thousands)
Construction and development	$	570,668	$	-	$	-	$	81	$	570,749
Commercial, financial & agricultural	1,751,575		4,097		34		5,581		1,761,287
Non-owner-occupied commercial real estate	3,137,206		4,056		-		9,007		3,150,269
Owner-occupied commercial real estate	1,575,921		1,797		-		2,542		1,580,260
Total commercial real estate	4,713,127		5,853		-		11,549		4,730,529
Total commercial loans	7,035,370		9,950		34		17,211		7,062,565
Residential mortgage loans	3,283,403		12,943		862		23,893		3,321,101
Home equity lines of credit	408,114		1,361		167		1,203		410,845
Consumer credit card	96,988		1,042		280		-		98,310
Other consumer loans	539,260		9,779		-		2,356		551,395
Total residential and consumer loans	4,327,765		25,125		1,309		27,452		4,381,651
Total loans held for investment	$	11,363,135	$	35,075	$	1,343	$	44,663	$	11,444,216

	December 31, 2024
	Current or less than 30 days past due		30 - 89 days past due		90 days past due and still accruing		Nonaccrual		Total
Loans held for investment:	(dollars in thousands)
Construction and development	$	552,127	$	305	$	-	$	244	$	552,676
Commercial, financial & agricultural	1,856,053		15,636		256		2,961		1,874,906
Non-owner-occupied commercial real estate	3,183,234		7,642		-		6,889		3,197,765
Owner-occupied commercial real estate	1,567,254		1,561		-		4,140		1,572,955
Total commercial real estate	4,750,488		9,203		-		11,029		4,770,720
Total commercial loans	7,158,668		25,144		256		14,234		7,198,302
Residential mortgage loans	3,070,437		17,780		2,745		14,798		3,105,760
Home equity lines of credit	346,367		1,458		149		1,037		349,011
Consumer credit card	91,539		1,957		329		-		93,825
Other consumer loans	883,940		13,587		-		5,925		903,452
Total residential and consumer loans	4,392,283		34,782		3,223		21,760		4,452,048
Total loans held for investment	$	11,550,951	$	59,926	$	3,479	$	35,994	$	11,650,350

Schedule of Risk Category Of Loans In The Portfolio

The risk category of loans in the portfolio as of December 31, 2025 and 2024 are as follows:

	December 31, 2025
	Term loans amortized cost basis by origination year
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Construction and development
Pass	$	165,449	$	207,312	$	27,395	$	71,348	$	36,631	$	17,334	$	32,568	$	558,037
Watch	529		244		1,486		3,490		-		-		-		5,749
Substandard	-		-		4,095		2,266		-		521		-		6,882
Non-accrual	-		-		-		-		-		81		-		81
Total construction and development	165,978		207,556		32,976		77,104		36,631		17,936		32,568		570,749
Gross write-offs for the year ended December 31, 2025	-		-		-		-		-		14		-		14
Commercial, financial & agricultural
Pass	383,642		257,121		147,877		154,197		94,111		211,879		475,596		1,724,423
Watch	1,883		1,294		891		652		98		204		1,082		6,104
Substandard	1,981		1,428		1,113		1,242		7,922		11,211		282		25,179
Non-accrual	38		47		1,439		2,990		47		315		705		5,581
Total commercial, financial & agricultural	387,544		259,890		151,320		159,081		102,178		223,609		477,665		1,761,287
Gross write-offs for the year ended December 31, 2025	1,393		358		1,148		824		100		746		180		4,749
Non-owner-occupied commercial real estate
Pass	417,956		257,298		270,435		572,181		421,783		1,063,545		33,545		3,036,743
Watch	-		527		237		6,487		-		49,660		387		57,298
Substandard	-		921		-		23,488		9,538		13,274		-		47,221
Non-accrual	-		-		-		6,164		25		2,818		-		9,007
Total non-owner-occupied commercial real estate	417,956		258,746		270,672		608,320		431,346		1,129,297		33,932		3,150,269
Gross write-offs for the year ended December 31, 2025	-		-		-		-		-		816		-		816
Owner-occupied commercial real estate
Pass	231,225		132,459		110,736		173,201		235,419		517,212		111,649		1,511,901
Watch	1,133		1,154		4,080		3,006		5,634		16,519		1,229		32,755
Substandard	418		2,050		3,623		15,059		904		9,137		1,871		33,062
Non-accrual	-		-		72		1,182		259		1,029		-		2,542
Total owner-occupied commercial real estate	232,776		135,663		118,511		192,448		242,216		543,897		114,749		1,580,260
Gross write-offs for the year ended December 31, 2025	-		-		-		384		-		-		-		384

	December 31, 2025
	Term loans amortized cost basis by origination year
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Total
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Residential mortgage loans
Accrual	912,652		544,631		429,302		529,876		394,244		440,662		45,841		3,297,208
Non-accrual	510		4,328		8,425		3,002		4,121		3,507		-		23,893
Total residential mortgage loans	913,162		548,959		437,727		532,878		398,365		444,169		45,841		3,321,101
Gross write-offs for the year ended December 31, 2025	263		30		189		158		91		-		-		731
Home equity lines of credit
Accrual	1,061		16		598		99		249		2,707		404,912		409,642
Non-accrual	-		-		-		-		-		-		1,203		1,203
Total home equity lines of credit	1,061		16		598		99		249		2,707		406,115		410,845
Gross write-offs for the year ended December 31, 2025	25		-		-		-		-		-		39		64
Consumer credit card
Current	-		-		-		-		-		-		96,988		96,988
30-89 days	-		-		-		-		-		-		1,042		1,042
90+ days	-		-		-		-		-		-		280		280
Total consumer credit card	-		-		-		-		-		-		98,310		98,310
Gross write-offs for the year ended December 31, 2025	-		-		-		-		-		-		3,452		3,452
Other consumer loans
Current	108,542		103,299		109,084		95,649		46,525		36,933		39,228		539,260
30-89 days	647		1,573		2,400		2,872		1,424		863		-		9,779
90+ days	-		-		-		-		-		-		-		-
Non-accrual	201		259		673		605		360		258		-		2,356
Total other consumer loans	109,390		105,131		112,157		99,126		48,309		38,054		39,228		551,395
Gross write-offs for the year ended December 31, 2025	3,172		1,201		2,004		2,112		1,285		1,212		-		10,986
Total loans	$	2,227,867	$	1,515,961	$	1,123,961	$	1,669,056	$	1,259,294	$	2,399,669	$	1,248,408	$	11,444,216
Total gross write-offs for the year ended December 31, 2025	4,853		1,589		3,341		3,478		1,476		2,788		3,671		21,196

	December 31, 2024
	Term loans amortized cost basis by origination year
	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Construction and development
Pass	$	141,672	$	97,331	$	148,049	$	101,162	$	10,934	$	13,752	$	23,394	$	536,294
Watch	248		3,824		11,509		-		-		-		2		15,583
Substandard	-		-		-		-		8		547		-		555
Non-accrual	-		-		141		-		89		14		-		244
Total construction and development	141,920		101,155		159,699		101,162		11,031		14,313		23,397		552,676
Gross write-offs for the year ended December 31, 2024	-		-		950		-		-		-		-		950
Commercial, financial & agricultural
Pass	399,016		252,671		235,271		178,160		90,397		184,191		494,970		1,834,676
Watch	219		877		5,160		9,378		39		210		401		16,285
Substandard	1,137		1,989		4,036		1,035		522		12,110		157		20,986
Non-accrual	48		2,222		275		53		89		122		152		2,961
Total commercial, financial & agricultural	400,419		257,760		244,741		188,626		91,047		196,633		495,680		1,874,906
Gross write-offs for the year ended December 31, 2024	4,930		195		468		455		66		232		554		6,900
Non-owner-occupied commercial real estate
Pass	329,446		270,243		649,423		459,990		319,782		1,005,568		27,534		3,061,986
Watch	-		500		28,246		13,743		11,164		53,734		916		108,303
Substandard	-		-		6,219		585		3,524		10,260		-		20,587
Non-accrual	-		-		-		493		-		6,395		-		6,889
Total non-owner-occupied commercial real estate	329,446		270,743		683,888		474,812		334,469		1,075,957		28,450		3,197,765
Gross write-offs for the year ended December 31, 2024	-		-		-		-		-		1,821		-		1,821
Owner-occupied commercial real estate
Pass	135,833		121,103		212,907		270,841		127,911		552,786		100,158		1,521,540
Watch	638		6,155		5,673		2,854		5,867		4,477		1,390		27,054
Substandard	1,752		229		5,076		464		2,519		8,405		1,777		20,222
Non-accrual	-		329		568		281		688		2,256		18		4,140
Total owner-occupied commercial real estate	138,223		127,817		224,225		274,440		136,984		567,923		103,343		1,572,955
Gross write-offs for the year ended December 31, 2024	-		-		5		-		-		-		-		5
Residential mortgage loans
Accrual	820,205		604,332		639,140		458,728		192,384		342,663		33,509		3,090,961
Non-accrual	1,055		3,633		3,650		2,235		594		3,631		-		14,798
Total residential mortgage loans	821,260		607,965		642,790		460,963		192,979		346,294		33,509		3,105,760
Gross write-offs for the year ended December 31, 2024	-		-		313		-		-		42		-		355
Home equity lines of credit
Accrual	1,176		692		207		-		-		2,929		342,970		347,974
Non-accrual	-		-		-		124		-		-		913		1,037
Total home equity lines of credit	1,176		692		207		124		-		2,929		343,883		349,011
Gross write-offs for the year ended December 31, 2024	-		-		-		-		-		2		9		11

	December 31, 2024
	Term loans amortized cost basis by origination year
	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Total
	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Consumer credit card
Current	-		-		-		-		-		-		91,539		91,539
30-89 days	-		-		-		-		-		-		1,957		1,957
90+ days	-		-		-		-		-		-		329		329
Total consumer credit card	-		-		-		-		-		-		93,825		93,825
Gross write-offs for the year ended December 31, 2024	-		-		-		-		-		-		3,894		3,894
Other consumer loans
Current	328,142		175,298		169,605		91,594		48,299		20,552		50,451		883,941
30-89 days	1,305		3,608		4,220		2,639		1,141		674		-		13,587
90+ days	-		-		-		-		-		-		-		-
Non-accrual	291		1,206		2,055		1,147		651		575		-		5,925
Total other consumer loans	329,739		180,111		175,880		95,380		50,091		21,801		50,451		903,452
Gross write-offs for the year ended December 31, 2024	211		2,935		3,850		2,378		1,079		476		-		10,929
Total loans	$	2,162,183	$	1,546,243	$	2,131,428	$	1,595,506	$	816,602	$	2,225,849	$	1,172,537	$	11,650,350
Total gross write-offs for the year ended December 31, 2024	5,141		3,130		5,586		2,833		1,145		2,573		4,457		24,865

Schedule of Amortized Cost Basis of Collateral-Dependent Loans

The following table presents the amortized cost basis of collateral-dependent loans as of December 31, 2025 and 2024, by the expected source of repayment.

	December 31, 2025
	Real estate		Business assets		Total
	(dollars in thousands)
Construction and development	$	2,530	$	-	$	2,530
Commercial, financial & agricultural	-		4,404		4,404
Non-owner-occupied commercial real estate	9,029		-		9,029
Owner-occupied commercial real estate	4,049		-		4,049
Residential mortgage loans	616		-		616
Total	$	16,224	$	4,404	$	20,628

	December 31, 2024
	Real estate		Business assets		Total
	(dollars in thousands)
Construction and development	$	1,417	$	-	$	1,417
Commercial, financial & agricultural	341		-		341
Non-owner-occupied commercial real estate	7,239		-		7,239
Owner-occupied commercial real estate	3,800		-		3,800
Residential mortgage loans	2,777		47		2,824
Total	$	15,576	$	47	$	15,623

Schedule of Financing Receivable, Modified Loans

The following tables present the amortized cost of loans that were modified during the years ended December 31, 2025 and 2024.

	December 31, 2025
	Term extension		Payment delay		Interest rate reduction		Interest/fees forgiven		Other		Total		% of Total loan category
	(dollars in thousands)
Construction and development	$	4,176	$	-	$	-	$	-	$	2,107	$	6,283	1.10	%
Commercial, financial, & agricultural	4,903		812		161		-		233		6,109		0.35	%
Non-owner-occupied commercial real estate	16,665		-		-		-		5,663		22,328		0.71	%
Owner-occupied commercial real estate	8,607		1,537		4,606		1,209		-		15,959		1.01	%
Total commercial real estate	25,272		1,537		4,606		1,209		5,663		38,287		0.81	%
Residential mortgage loans	4,429		897		2,687		50		410		8,473		0.26	%
Home equity lines of credit	765		-		-		-		-		765		0.19	%
Total residential real estate	5,194		897		2,687		50		410		9,238		0.25	%
All other consumer	161		-		403		-		-		564		0.09	%
Total	$	39,706	$	3,246	$	7,857	$	1,259	$	8,413	$	60,481	0.53	%

	December 31, 2024
	Term extension		Payment delay		Interest rate reduction		Interest/fees forgiven		Other		Total		% of Total loan category
	(dollars in thousands)
Construction and development	$	2,710	$	-	$	-	$	2,126	$	556	$	5,392	0.62	%
Commercial, financial, & agricultural	3,927		-		-		185		-		4,112		0.22	%
Non-owner-occupied commercial real estate	11,531		2,869		690		5,663		-		18,800		1.03	%
Owner-occupied commercial real estate	6,015		610		-		-		-		6,625		0.42	%
Total commercial real estate	17,547		3,479		690		5,663		-		27,379		0.57	%
Residential mortgage loans	3,167		1,217		1,036		-		-		5,419		0.19	%
Home equity lines of credit	876		-		-		-		-		876		0.25	%
Residential real estate	4,043		1,217		1,036		-		-		6,295		0.20	%
All other consumer	586		317		78		-		-		981		0.11	%
Total	$	28,812	$	5,013	$	1,804	$	7,974	$	556	$	44,159	0.38	%

The following tables summarize the financial impact of loan modifications and payment deferrals during the year ended December 31, 2025 and 2024.

	December 31, 2025
	Interest/fees forgiveness		Weighted-average months of deferred payments	Weighted-average months of term extensions	Weighted-average interest rate reduction
Construction and development	$	-	-	4	-	%
Commercial, financial, & agricultural	2		4	11	6.00	%
Non-owner-occupied commercial real estate	-		-	14	-	%
Owner-occupied commercial real estate	8		-	9	6.00	%
Residential real estate	3		4	30	6.83	%
Home equity lines of credit	-		-	11	-	%
All other consumer	-		-	-	6.96	%
Total	$	13

	December 31, 2024
	Interest/fees forgiveness		Weighted-average months of deferred payments	Weighted-average months of term extensions	Weighted-average interest rate reduction
Construction and development	$	5	-	11	-	%
Commercial, financial, & agricultural	112		-	9	-	%
Non-owner-occupied commercial real estate	1		12	24	7.00	%
Owner-occupied commercial real estate	-		73	24	-	%
Residential real estate	-		17	17	5.67	%
Home equity lines of credit	-		-	11	-	%
All other consumer	-		3	12	7.24	%
Total	$	118

Schedule of Financing Receivable, Modified, Subsequent Default

The following table provides the amortized cost basis of loans to borrowers experiencing financial difficulty that had a payment default during the year ended December 31, 2025 and were modified on or after January 1, 2025 through December 31, 2025. For purposes of this disclosure, the Company considers “default” to mean 90 days or more past due as to interest or principal.

	December 31, 2025
	Term extension		Payment delay		Interest rate reduction		Interest/fee forgiveness		Other		Total
	(dollars in thousands)
Construction and development	$	118	$	-	$	-	$	-	$	-	$	118
Commercial, financial, & agricultural	1,043		-		115		-		43		1,202
Non-owner-occupied commercial real estate	496		-		-		-		6,069		6,565
Owner-occupied commercial real estate	726		1,122		-		-		-		1,849
Total commercial real estate	1,222		1,122		-		-		6,069		8,414
Residential mortgage loans	1,817		274		578		49		-		2,718
Home equity lines of credit	-		-		-		-		-		-
Total residential real estate	1,817		274		578		49		-		2,718
All other consumer	169		-		145		-		-		314
Total	$	4,369	$	1,396	$	838	$	49	$	6,112	$	12,766

The following table provides the amortized cost basis of loans to borrowers experiencing financial difficulty that had a payment default during the year ended December 31, 2024 and were modified on or after January 1, 2024 through December 31, 2024.

	December 31, 2024
	Term extension		Payment delay		Interest rate reduction		Interest/fee forgiveness		Other		Total
	(dollars in thousands)
Construction and development	$	-	$	-	$	-	$	-	$	-	$	-
Commercial, financial, & agricultural	63		-		17		-		-		80
Non-owner-occupied commercial real estate	3,790		-		-		-		-		3,790
Owner-occupied commercial real estate	820		-		-		-		-		820
Total commercial real estate	4,609		-		-		-		-		4,609
Residential mortgage loans	480		-		77		-		-		558
Home equity lines of credit	-		-		-		-		-		-
Total residential real estate	480		-		77		-		-		559
All other consumer	82		-		127		-		-		209
Total	$	5,235	$	-	$	221	$	-	$	-	$	5,457