Loans

6 Months Ended

Jun. 30, 2026

Receivables [Abstract]

Loans

Loans

Loans were as follows:

	June 30, 2026		December 31, 2025
Commercial and industrial	$	6,325,658	$	6,306,980
Energy:
Production	705,381		767,724
Service	338,407		252,295
Other	89,852		74,650
Total energy	1,133,640		1,094,669
Commercial real estate:
Owner occupied	4,297,680		3,987,913
Non-owner occupied	3,970,141		3,773,028
Construction and land	2,720,755		2,549,869
Total commercial real estate	10,988,576		10,310,810
Consumer real estate:
Home equity lines of credit	1,140,127		1,068,393
Home equity loans	1,045,511		1,035,971
Home improvement loans	862,240		874,148
1-4 family mortgage loans	886,975		594,825
Other	135,129		145,331
Total consumer real estate	4,069,982		3,718,668
Total real estate	15,058,558		14,029,478
Consumer and other	457,802		460,685
Total loans	$	22,975,658	$	21,891,812

Concentrations of Credit. Most of our lending activity occurs within the State of Texas, including the four largest metropolitan areas of Austin, Dallas/Ft. Worth, Houston, and San Antonio, as well as other markets. The majority of our loan portfolio consists of commercial and industrial and commercial real estate loans. As of June 30, 2026, there were no concentrations of loans related to any single industry in excess of 10% of total loans. At that date, the largest industry concentrations were related to the energy industry, which totaled 5.0% of total loans, and the automobile dealerships industry, which totaled 4.7% of total loans. As of June 30, 2026, unfunded commitments to extend credit and standby letters of credit issued to customers in the energy industry totaled $1.2 billion and $93.7 million, respectively, while unfunded commitments to extend credit and standby letters of credit issued to customers in the automobile dealership industry totaled $560.8 million and $19.8 million, respectively.

Foreign Loans. We have U.S. dollar denominated loans and commitments to borrowers in Mexico. The outstanding balance of these loans and the unfunded amounts available under these commitments were not material at June 30, 2026 or December 31, 2025.

Overdrafts. Deposit account overdrafts reported as loans totaled $17.4 million at June 30, 2026 and $13.8 million at December 31, 2025.

Related Party Loans. In the ordinary course of business, we have granted loans to certain directors, executive officers, and their affiliates (collectively referred to as “related parties”). Such loans totaled $315.4 million at June 30, 2026 and $316.1 million at December 31, 2025.

Accrued Interest Receivable. Accrued interest receivable on loans totaled $89.3 million at June 30, 2026 and $90.6 million at December 31, 2025, and is included in accrued interest receivable and other assets in the accompanying consolidated balance sheets.

Federal Home Loan Bank Blanket Pledge. We have executed a blanket pledge and security agreement with the Federal Home Loan Bank (“FHLB”) under which certain qualifying loans are pledged as collateral for any outstanding borrowings under the agreement. Loans pledged under the blanket agreement totaled $20.8 billion at June 30, 2026 and $19.6 billion at December 31, 2025, though no FHLB borrowings were outstanding as of these dates.

Loans Held for Sale. In June 2026, we transferred certain loans with an aggregate amortized cost of approximately $11.5 million from held-for-investment to held-for-sale in connection with a planned sale of the loans during the third quarter of 2026. Upon transfer, we recognized loan charge-offs to the allowance for credit losses on loans totaling $2.1 million. The resulting loans held for sale totaled $9.4 million and were reported as a component of other assets in the consolidated balance sheet as of June 30, 2026.

Non-Accrual and Past Due Loans. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on non-accrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions.

Non-accrual loans, segregated by class of loans, were as follows:

	June 30, 2026				December 31, 2025
	Total Non-Accrual		Non-Accrual with No Credit Loss Allowance		Total Non-Accrual		Non-Accrual with No Credit Loss Allowance
Loans held for investment:
Commercial and industrial	$	23,691	$	11,209	$	50,659	$	26,693
Energy	2,523		1,303		3,023		1,304
Commercial real estate:
Owner occupied	14,183		11,384		7,581		4,782
Non-owner occupied	4,566		4,566		465		465
Construction and land	56,054		563		1,874		202
Consumer real estate	8,876		4,817		6,615		4,486
Consumer and other	257		176		265		184
Total	$	110,150	$	34,018	$	70,482	$	38,116
Loans held for sale:
Commercial real estate:
Owner occupied	$	2,428	$	2,428	$	—	$	—
Construction and land	139		139		—		—
Total	$	2,567	$	2,567	$	—	$	—

The following table presents non-accrual loans as of June 30, 2026, by class and year of origination.

	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted to Term		Total
Loans held for investment:
Commercial and industrial	$	421	$	644	$	2,638	$	8,320	$	1,550	$	2,236	$	5,581	$	2,301	$	23,691
Energy	—		—		—		—		—		1,304		1,219		—		2,523
Commercial real estate:
Owner occupied	—		2,834		—		1,891		4,636		4,328		494		—		14,183
Non-owner occupied	—		—		—		3,651		99		376		—		440		4,566
Construction and land	—		—		563		—		53,929		934		—		628		56,054
Consumer real estate	—		—		144		1,747		—		2,113		1,209		3,663		8,876
Consumer and other	—		—		176		—		—		—		81		—		257
Total	$	421	$	3,478	$	3,521	$	15,609	$	60,214	$	11,291	$	8,584	$	7,032	$	110,150
Loans held for sale:
Commercial real estate:
Owner occupied	$	—	$	—	$	—	$	—	$	349	$	2,079	$	—	$	—	$	2,428
Construction and land	—		—		—		—		—		80		—		59		139
Total	$	—	$	—	$	—	$	—	$	349	$	2,159	$	—	$	59	$	2,567

In the table above, loans reported as 2026 originations as of June 30, 2026 were, for the most part, first originated in years prior to 2026 but were renewed in the current year. Had non-accrual loans performed in accordance with their original contract terms, we would have recognized additional interest income, net of tax, of approximately $1.2 million and $2.3 million for the three and six months ended June 30, 2026, and approximately $1.3 million and $2.7 million for the three and six months ended June 30, 2025.

An age analysis of past due loans (including both accruing and non-accruing loans), segregated by class of loans, as of June 30, 2026, was as follows:

	Loans 30-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 or More Days Past Due
Loans held for investment:
Commercial and industrial	$	20,844	$	19,160	$	40,004	$	6,285,654	$	6,325,658	$	4,462
Energy	20,586		2,523		23,109		1,110,531		1,133,640		—
Commercial real estate:
Owner occupied	17,965		10,897		28,862		4,268,818		4,297,680		1,034
Non-owner occupied	61,894		4,336		66,230		3,903,911		3,970,141		—
Construction and land	3,220		57,196		60,416		2,660,339		2,720,755		1,142
Consumer real estate	25,205		15,705		40,910		4,029,072		4,069,982		6,932
Consumer and other	5,572		620		6,192		451,610		457,802		363
Total	$	155,286	$	110,437	$	265,723	$	22,709,935	$	22,975,658	$	13,933
Loans held for sale:
Commercial real estate:
Owner occupied	$	30	$	522	$	552	$	8,730	$	9,282	$	—
Construction and land	80		59		139		—		139		—
Total	$	110	$	581	$	691	$	8,730	$	9,421	$	—

Modifications to Borrowers Experiencing Financial Difficulty. From time to time, we may modify certain loans to borrowers who are experiencing financial difficulty. In some cases, these modifications may result in new loans. Loan modifications to borrowers experiencing financial difficulty may be in the form of a principal forgiveness, an interest rate reduction, an other-than-insignificant payment delay, or a term extension or a combination thereof, among other things. The period-end balance of loan modifications, segregated by type of modification, to borrowers experiencing financial difficulty during the six months ended June 30, 2026 and June 30, 2025 are set forth in the table below, regardless of whether such modifications resulted in a new loan. There were no commitments to lend additional funds to these borrowers at June 30, 2026.

	Payment Delay		Percent of Total Class of Loans
June 30, 2026
Commercial real estate:
Non-owner occupied	$	54,939	1.4	%
	$	54,939	0.2
June 30, 2025
Commercial and industrial	$	3,101	0.1	%
Commercial real estate:
Construction and land	1,876		—
	$	4,977	—

The financial effects of the loan modifications made to borrowers experiencing financial difficulty were not material during the six months ended June 30, 2026 and 2025. The loan modifications reported in the table above did not materially impact our determination of the allowance for credit losses on loans during their respective reporting periods.

Information as of June 30, 2026 and June 30, 2025, related to loans modified (by type of modification) in the preceding twelve months, respectively, whereby the borrower was experiencing financial difficulty at the time of modification is set forth in the following table.

	June 30, 2026				June 30, 2025
	Payment Delay		Combination: Payment Delay and Term Extension		Payment Delay		Combination: Payment Delay and Term Extension
Past due in excess of 90 days or on non-accrual status at period-end:
Commercial and industrial	$	—	$	—	$	4,888	$	9,911
Commercial real estate:
Construction and land	—		—		1,876		—
	$	—	$	—	$	6,764	$	9,911
Charge-offs during the period:
Commercial and industrial	$	—	$	—	$	1,108	$	—

Credit Quality Indicators. As part of the on-going monitoring of the credit quality of our loan portfolio, management tracks certain credit quality indicators including trends related to (i) the weighted-average risk grade of commercial loans, (ii) the level of classified commercial loans, (iii) the delinquency status of consumer loans, (iv) non-performing loans (see details above) and (v) the general economic conditions in the State of Texas.

We utilize a risk grading matrix to assign a risk grade to each of our commercial loans. Loans are graded on a scale of 1 to 14. A description of the general characteristics of the 14 risk grades is set forth in our 2025 Form 10-K. We monitor portfolio credit quality by the weighted-average risk grade of each class of commercial loan. Individual relationship managers, under the oversight of credit administration, review updated financial information for all pass grade loans to reassess the risk grade on at least an annual basis. When a loan has a risk grade of 9, it is still considered a pass grade loan; however, it is considered to be on management’s “watch list,” and where a significant risk-modifying action is anticipated in the near term. When a loan has a risk grade of 10 or higher, a special assets officer monitors the loan on an on-going basis. The following table presents weighted-average risk grades for all commercial loans, by class and year of origination/renewal, as of June 30, 2026.

	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted to Term		Total		W/A Risk Grade
Commercial and industrial
Risk grades 1-8	$	1,159,581	$	1,004,061	$	478,473	$	200,594	$	223,871	$	472,403	$	2,245,506	$	40,455	$	5,824,944	6.17
Risk grade 9	39,154		30,237		25,938		4,812		2,375		33,985		46,094		5,182		187,777		9.00
Risk grade 10	6,577		351		18,147		1,280		8,893		9,276		147,715		12,509		204,748		10.00
Risk grade 11	3,436		5,479		13,180		20,125		7,705		15,229		7,460		11,884		84,498		11.00
Risk grade 12	51		354		2,191		7,481		1,115		2,208		960		1,647		16,007		12.00
Risk grade 13	370		290		447		839		435		28		4,621		654		7,684		13.00
	$	1,209,169	$	1,040,772	$	538,376	$	235,131	$	244,394	$	533,129	$	2,452,356	$	72,331	$	6,325,658	6.47
W/A risk grade	6.24		5.89		7.23		7.67		7.18		6.08		6.49		8.61		6.47
Energy
Risk grades 1-8	$	200,839	$	88,660	$	53,637	$	7,581	$	30,537	$	12,555	$	640,825	$	11,077	$	1,045,711	5.82
Risk grade 9	64		14,632		20,730		157		550		—		1,160		743		38,036		9.00
Risk grade 10	—		13,661		—		—		—		—		28,298		1,210		43,169		10.00
Risk grade 11	—		174		—		1,260		2,378		—		—		389		4,201		11.00
Risk grade 12	—		—		—		—		—		1,304		519		—		1,823		12.00
Risk grade 13	—		—		—		—		—		—		700		—		700		13.00
	$	200,903	$	117,127	$	74,367	$	8,998	$	33,465	$	13,859	$	671,502	$	13,419	$	1,133,640	6.12
W/A risk grade	5.86		7.83		7.16		7.95		7.80		5.12		5.66		7.85		6.12
Commercial real estate:
Owner occupied
Risk grades 1-8	$	655,571	$	655,116	$	414,831	$	432,766	$	565,474	$	1,042,450	$	36,870	$	150,361	$	3,953,439	6.83
Risk grade 9	2,554		72,080		5,932		19,824		16,996		14,443		446		13		132,288		9.00
Risk grade 10	—		1,842		9,014		13,513		57,858		7,372		—		—		89,599		10.00
Risk grade 11	909		2,828		1,320		23,937		44,207		31,435		—		3,535		108,171		11.00
Risk grade 12	—		2,234		—		1,891		4,636		4,206		494		—		13,461		12.00
Risk grade 13	—		600		—		—		—		122		—		—		722		13.00
	$	659,034	$	734,700	$	431,097	$	491,931	$	689,171	$	1,100,028	$	37,810	$	153,909	$	4,297,680	7.09
W/A risk grade	6.92		7.15		7.01		7.35		7.47		7.15		6.48		4.89		7.09

	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted to Term		Total		W/A Risk Grade
Non-owner occupied
Risk grades 1-8	$	580,880	$	902,408	$	496,011	$	456,884	$	487,906	$	736,134	$	95,156	$	20,411	$	3,775,790	7.02
Risk grade 9	2,452		2,018		30,378		23,350		3,912		7,979		100		—		70,189		9.00
Risk grade 10	1,448		—		—		2,666		—		40,847		—		—		44,961		10.00
Risk grade 11	2,000		1,146		5,011		599		56,912		5,019		3,948		—		74,635		11.00
Risk grade 12	—		—		—		3,651		99		376		—		440		4,566		12.00
Risk grade 13	—		—		—		—		—		—		—		—		—		13.00
	$	586,780	$	905,572	$	531,400	$	487,150	$	548,829	$	790,355	$	99,204	$	20,851	$	3,970,141	7.17
W/A risk grade	7.18		7.11		7.02		7.45		7.57		7.05		6.23		6.26		7.17
Construction and land
Risk grades 1-8	$	398,339	$	816,998	$	684,378	$	192,414	$	153,463	$	24,509	$	187,994	$	5,417	$	2,463,512	7.53
Risk grade 9	8,426		704		8,508		58,824		1,424		—		179		—		78,065		9.00
Risk grade 10	—		11,868		8,500		5,049		—		41,883		12,250		—		79,550		10.00
Risk grade 11	—		2,305		—		40,744		—		525		—		—		43,574		11.00
Risk grade 12	—		—		563		—		52,529		712		—		337		54,141		12.00
Risk grade 13	—		—		—		—		1,400		222		—		291		1,913		13.00
	$	406,765	$	831,875	$	701,949	$	297,031	$	208,816	$	67,851	$	200,423	$	6,045	$	2,720,755	7.80
W/A risk grade	7.43		7.47		7.70		8.34		9.02		8.95		7.75		8.46		7.80
Total commercial real estate	$	1,652,579	$	2,472,147	$	1,664,446	$	1,276,112	$	1,446,816	$	1,958,234	$	337,437	$	180,805	$	10,988,576	7.29
W/A risk grade	7.14		7.24		7.30		7.62		7.73		7.17		7.16		5.17		7.29

In the table above, certain loans are reported as 2026 originations and have risk grades of 11 or higher. These loans were, for the most part, first originated in various years prior to 2026 but were renewed in the current year.

The following tables present weighted average risk grades for all commercial loans by class as of December 31, 2025. Refer to our 2025 Form 10-K for details of these loans by year of origination/renewal.

							Commercial Real Estate
	Commercial and Industrial			Energy			Owner Occupied			Non-owner Occupied			Construction and Land			Total Commercial Real Estate
	W/A Risk Grade	Loans		W/A Risk Grade	Loans		W/A Risk Grade	Loans		W/A Risk Grade	Loans		W/A Risk Grade	Loans		W/A Risk Grade	Loans
Risk grades 1-8	6.06	$	5,663,146	5.86	$	1,010,179	6.77	$	3,608,005	6.96	$	3,494,323	7.61	$	2,319,413	7.05	$	9,421,741
Risk grade 9	9.00	384,532		9.00	35,392		9.00	163,132		9.00	75,560		9.00	127,496		9.00	366,188
Risk grade 10	10.00	94,182		10.00	40,813		10.00	64,117		10.00	143,606		10.00	88,400		10.00	296,123
Risk grade 11	11.00	114,461		11.00	5,262		11.00	145,078		11.00	59,074		11.00	12,686		11.00	216,838
Risk grade 12	12.00	34,041		12.00	2,323		12.00	6,859		12.00	465		12.00	1,361		12.00	8,685
Risk grade 13	13.00	16,618		13.00	700		13.00	722		13.00	—		13.00	513		13.00	1,235
Total	6.44	$	6,306,980	6.16	$	1,094,669	7.08	$	3,987,913	7.18	$	3,773,028	7.78	$	2,549,869	7.29	$	10,310,810

Information about the payment status of consumer loans, segregated by portfolio segment and year of origination, as of June 30, 2026, was as follows:

	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted to Term		Total
Consumer real estate:
Past due 30-89 days	$	115	$	603	$	2,043	$	1,892	$	2,916	$	4,707	$	12,742	$	187	$	25,205
Past due 90 or more days	—		—		425		2,546		764		3,053		5,011		3,906		15,705
Total past due	115		603		2,468		4,438		3,680		7,760		17,753		4,093		40,910
Current loans	467,536		713,417		579,537		418,859		307,242		424,136		1,107,912		10,433		4,029,072
Total	$	467,651	$	714,020	$	582,005	$	423,297	$	310,922	$	431,896	$	1,125,665	$	14,526	$	4,069,982
Consumer and other:
Past due 30-89 days	$	3,062	$	89	$	135	$	163	$	31	$	72	$	1,096	$	924	$	5,572
Past due 90 or more days	265		9		6		3		—		—		140		197		620
Total past due	3,327		98		141		166		31		72		1,236		1,121		6,192
Current loans	36,882		40,160		11,152		6,445		3,138		2,725		330,454		20,654		451,610
Total	$	40,209	$	40,258	$	11,293	$	6,611	$	3,169	$	2,797	$	331,690	$	21,775	$	457,802

Period-end balances for revolving loans that converted to term during the three and six months ended June 30, 2026 and 2025 were as follows:

	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
Commercial and industrial	$	4,769	$	12,234	$	12,783	$	34,255
Energy	297		2,199		9,151		2,242
Commercial real estate:
Owner occupied	—		55,649		—		110,162
Non-owner occupied	—		5,000		117		5,000
Construction and land	—		—		—		—
Consumer real estate	1,720		667		3,472		1,254
Consumer and other	1,499		2,630		3,953		6,296
Total	$	8,285	$	78,379	$	29,476	$	159,209

In assessing the general economic conditions in the State of Texas, management monitors and tracks the Texas Leading Index (“TLI”), which is produced by the Federal Reserve Bank of Dallas. The TLI, the components of which are more fully described in our 2025 Form 10-K, totaled 127.9 at June 30, 2026 and 125.8 at December 31, 2025. A higher TLI value implies more favorable economic conditions.

Allowance For Credit Losses - Loans. The allowance for credit losses on loans is a contra‑asset valuation account, calculated in accordance with ASC 326, that is deducted from the amortized cost basis of loans to present the net amount expected to be collected. The amount of the allowance represents management’s best estimate of lifetime expected credit losses on loans, based on available information from internal and external sources that is relevant to assessing exposure to credit loss over the expected lives of the loans. Relevant information includes historical credit loss experience, current conditions, and reasonable and supportable forecasts over the loans’ contractual terms, adjusted for expected prepayments when appropriate. Loans are evaluated collectively when they share similar risk characteristics and individually when they do not. Credit loss expense related to loans reflects the totality of actions taken on all loans for a particular period, including any necessary increases or decreases in the allowance related to changes in credit loss expectations associated with specific loans or pools of loans. Portions of the allowance may be allocated for specific credits; however, the entire allowance is available for any credit that, in management’s judgment, should be charged off. Although management utilizes its best judgment and the information available, the ultimate appropriateness of the allowance is dependent upon a variety of factors beyond our control, including the performance of our loan portfolio, macroeconomic conditions, changes in interest rates, the accuracy of forecasted assumptions, and regulatory interpretations and supervisory assessments related to credit quality and asset classification. Our allowance methodology is more fully described in our 2025 Form 10-K.

The following table presents details of the allowance for credit losses on loans segregated by loan portfolio segment as of June 30, 2026 and December 31, 2025.

June 30, 2026	Commercial and Industrial		Energy		Commercial Real Estate		Consumer Real Estate		Consumer and Other		Total
Modeled expected credit losses	$	50,143	$	5,888	$	16,331	$	24,993	$	6,171	$	103,526
Q-Factor and other qualitative adjustments	33,592		2,819		123,539		2,725		4,982		167,657
Specific allocations	7,685		700		2,635		1,428		81		12,529
Total	$	91,420	$	9,407	$	142,505	$	29,146	$	11,234	$	283,712
December 31, 2025
Modeled expected credit losses	$	56,114	$	7,215	$	17,018	$	24,390	$	5,315	$	110,052
Q-Factor and other qualitative adjustments	25,706		3,648		116,857		610		5,350		152,171
Specific allocations	16,619		700		1,235		637		81		19,272
Total	$	98,439	$	11,563	$	135,110	$	25,637	$	10,746	$	281,495

The following table details activity in the allowance for credit losses on loans by portfolio segment for the three and six months ended June 30, 2026 and 2025. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

	Commercial and Industrial		Energy		Commercial Real Estate		Consumer Real Estate		Consumer and Other		Total
Three months ended:
June 30, 2026
Beginning balance	$	98,888	$	11,082	$	138,042	$	27,394	$	10,809	$	286,215
Credit loss expense (benefit)	(5,668)		(1,748)		6,563		3,628		4,249		7,024
Charge-offs	(2,356)		(17)		(2,103)		(2,424)		(6,726)		(13,626)
Recoveries	556		90		3		548		2,902		4,099
Net (charge-offs) recoveries	(1,800)		73		(2,100)		(1,876)		(3,824)		(9,527)
Ending balance	$	91,420	$	9,407	$	142,505	$	29,146	$	11,234	$	283,712
June 30, 2025
Beginning balance	$	94,307	$	10,256	$	143,177	$	18,924	$	8,824	$	275,488
Credit loss expense (benefit)	4,315		(47)		383		3,821		4,994		13,466
Charge-offs	(4,163)		—		(2,639)		(1,292)		(7,290)		(15,384)
Recoveries	1,025		180		2		254		2,772		4,233
Net (charge-offs) recoveries	(3,138)		180		(2,637)		(1,038)		(4,518)		(11,151)
Ending balance	$	95,484	$	10,389	$	140,923	$	21,707	$	9,300	$	277,803

	Commercial and Industrial		Energy		Commercial Real Estate		Consumer Real Estate		Consumer and Other		Total
Six months ended:
June 30, 2026
Beginning balance	$	98,439	$	11,563	$	135,110	$	25,637	$	10,746	$	281,495
Credit loss expense (benefit)	(3,189)		(2,497)		9,490		6,340		7,341		17,485
Charge-offs	(6,053)		(17)		(2,103)		(3,676)		(13,096)		(24,945)
Recoveries	2,223		358		8		845		6,243		9,677
Net (charge-offs) recoveries	(3,830)		341		(2,095)		(2,831)		(6,853)		(15,268)
Ending balance	$	91,420	$	9,407	$	142,505	$	29,146	$	11,234	$	283,712
June 30, 2025
Beginning balance	$	87,569	$	9,992	$	143,205	$	19,106	$	10,279	$	270,151
Credit loss expense (benefit)	14,496		(85)		2,353		4,250		7,480		28,494
Charge-offs	(8,499)		(52)		(4,639)		(2,250)		(14,134)		(29,574)
Recoveries	1,918		534		4		601		5,675		8,732
Net (charge-offs) recoveries	(6,581)		482		(4,635)		(1,649)		(8,459)		(20,842)
Ending balance	$	95,484	$	10,389	$	140,923	$	21,707	$	9,300	$	277,803

The following table presents year-to-date gross charge-offs by year of origination as of June 30, 2026.

	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted to Term		Total
Commercial and industrial	$	—	$	621	$	246	$	142	$	532	$	187	$	3,148	$	1,177	$	6,053
Energy	—		—		—		—		—		—		—		17		17
Commercial real estate:
Owner occupied	—		37		—		—		257		1,755		—		—		2,049
Non-owner occupied	—		—		—		—		—		—		—		—		—
Construction and land	—		—		—		—		—		21		33		—		54
Consumer real estate	—		—		305		1,014		1,036		272		1,049		—		3,676
Consumer and other	7,720		3,813		124		18		54		—		1,055		312		13,096
Total	$	7,720	$	4,471	$	675	$	1,174	$	1,879	$	2,235	$	5,285	$	1,506	$	24,945

In the table above, $7.7 million of the consumer and other loan charge-offs reported as 2026 originations and $3.7 million of the total reported as 2025 originations were related to deposit overdrafts.

The following table presents loans that were evaluated for expected credit losses on an individual basis and the related specific allocations, by loan portfolio segment, as of June 30, 2026 and December 31, 2025.

	June 30, 2026				December 31, 2025
	Loan Balance		Specific Allocations		Loan Balance		Specific Allocations
Commercial and industrial	$	20,876	$	7,685	$	48,456	$	16,619
Energy	2,523		700		3,023		700
Commercial real estate:
Owner occupied	13,688		722		7,069		722
Non-owner occupied	4,091		—		466		—
Construction	56,054		1,913		1,672		513
Consumer real estate	8,121		1,428		6,140		637
Consumer and other	81		81		81		81
Total	$	105,434	$	12,529	$	66,907	$	19,272