Loans

9 Months Ended

Sep. 30, 2026

Receivables [Abstract]

Loans

Loans

Loans were as follows:

	September 30, 2026		December 31, 2025
Commercial and industrial	$	6,467,069	$	6,306,980
Energy:
Production	719,688		767,724
Service	343,258		252,295
Other	87,147		74,650
Total energy	1,150,093		1,094,669
Commercial real estate:
Owner occupied	4,402,147		3,987,913
Non-owner occupied	4,218,556		3,773,028
Construction and land	2,757,013		2,549,869
Total commercial real estate	11,377,716		10,310,810
Consumer real estate:
Home equity lines of credit	1,182,123		1,068,393
Home equity	1,063,114		1,035,971
1-4 family mortgage	965,676		594,825
Home improvement	850,700		874,148
Other	131,766		145,331
Total consumer real estate	4,193,379		3,718,668
Total real estate	15,571,095		14,029,478
Consumer and other	468,710		460,685
Total loans	$	23,656,967	$	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 September 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 concentration was related to the energy industry, which totaled 4.9% of total loans. As of September 30, 2026, unfunded commitments to extend credit and standby letters of credit issued to customers in the energy industry totaled $1.3 billion and $81.4 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 September 30, 2026 or December 31, 2025.

Overdrafts. Deposit account overdrafts reported as loans totaled $31.4 million at September 30, 2026, including a $15.4 million overnight overdraft related to a correspondent bank that cleared the following day, 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 $303.4 million at September 30, 2026 and $316.1 million at December 31, 2025.

Accrued Interest Receivable. Accrued interest receivable on loans totaled $90.0 million at September 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 $21.4 billion at September 30, 2026 and $19.6 billion at December 31, 2025, though no FHLB borrowings were outstanding as of these dates.

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:

	September 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
Commercial and industrial	$	20,688	$	11,131	$	50,659	$	26,693
Energy	2,218		2,218		3,023		1,304
Commercial real estate:
Owner occupied	11,838		9,039		7,581		4,782
Non-owner occupied	4,453		4,453		465		465
Construction and land	19,356		5,372		1,874		202
Consumer real estate	4,959		4,673		6,615		4,486
Consumer and other	192		171		265		184
Total	$	63,704	$	37,057	$	70,482	$	38,116

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

	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted to Term		Total
Commercial and industrial	$	156	$	344	$	2,327	$	8,381	$	1,071	$	2,125	$	3,154	$	3,130	$	20,688
Energy	—		—		55		—		—		1,304		859		—		2,218
Commercial real estate:
Owner occupied	1,138		2,690		—		1,228		3,024		3,264		494		—		11,838
Non-owner occupied	—		—		—		3,790		99		123		—		441		4,453
Construction and land	—		1,517		2,712		1,142		—		934		12,427		624		19,356
Consumer real estate	—		432		174		286		—		43		361		3,663		4,959
Consumer and other	—		—		171		—		—		—		21		—		192
Total	$	1,294	$	4,983	$	5,439	$	14,827	$	4,194	$	7,793	$	17,316	$	7,858	$	63,704

In the table above, loans reported as 2026 originations as of September 30, 2026 were primarily originated in years prior to 2026 and renewed during 2026. Had non-accrual loans performed in accordance with their original contractual terms, we would have recognized additional interest income, net of tax, of approximately $1.6 million and $3.8 million for the three and nine months ended September 30, 2026, and approximately $929 thousand and $3.6 million for the three and nine months ended September 30, 2025.

An age analysis of past due loans (including both accruing and non-accruing loans), segregated by class of loans, as of September 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
Commercial and industrial	$	39,663	$	25,569	$	65,232	$	6,401,837	$	6,467,069	$	11,051
Energy	5,076		2,218		7,294		1,142,799		1,150,093		—
Commercial real estate:
Owner occupied	11,514		17,012		28,526		4,373,621		4,402,147		7,771
Non-owner occupied	9,766		59,439		69,205		4,149,351		4,218,556		55,347
Construction and land	5,065		17,874		22,939		2,734,074		2,757,013		1,834
Consumer real estate	26,679		11,845		38,524		4,154,855		4,193,379		7,271
Consumer and other	8,418		689		9,107		459,603		468,710		518
Total	$	106,181	$	134,646	$	240,827	$	23,416,140	$	23,656,967	$	83,792

Modifications to Borrowers Experiencing Financial Difficulty. From time to time, we may modify loans to borrowers experiencing financial difficulty. In some cases, these modifications may result in new loans. Such modifications may include principal forgiveness, an interest rate reduction, an other-than-insignificant payment delay, a term extension, or a combination thereof, among other things. The following table presents the period-end balance of loans to borrowers experiencing financial difficulty that were modified during the nine months ended September 30, 2026 and September 30, 2025, segregated by type of modification, regardless of whether the modifications resulted in new loans. There were no commitments to lend additional funds to these borrowers at September 30, 2026.

	Payment Delay		Percent of Total Class of Loans
September 30, 2026
Commercial real estate:
Non-owner occupied	$	54,939	1.3	%
	$	54,939	0.2
September 30, 2025
Commercial and industrial	$	2,236	—	%
Commercial real estate:
Construction and land	1,772		0.1
	$	4,008	—

The financial effects of the loan modifications made to borrowers experiencing financial difficulty were not material during the nine months ended September 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 September 30, 2026 and September 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.

	September 30, 2026		September 30, 2025
	Payment Delay		Payment Delay
Past due in excess of 90 days or on non-accrual status at period-end:
Commercial and industrial	$	—	$	3,286
Commercial real estate:
Owner occupied	—		—
Non-owner occupied	54,939		—
Construction and land	—		1,772
	$	54,939	$	5,058
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 September 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	$	1,396,162	$	941,156	$	426,448	$	181,554	$	193,805	$	436,471	$	2,383,498	$	39,466	$	5,998,560	6.18
Risk grade 9	43,651		26,519		24,017		4,189		1,839		31,967		46,199		7,052		185,433		9.00
Risk grade 10	12		440		17,889		1,165		1,864		315		144,847		9,311		175,843		10.00
Risk grade 11	6,463		8,469		5,949		19,195		5,027		18,020		13,639		9,783		86,545		11.00
Risk grade 12	37		240		2,055		7,654		854		2,097		560		1,512		15,009		12.00
Risk grade 13	119		104		272		727		217		28		2,594		1,618		5,679		13.00
	$	1,446,444	$	976,928	$	476,630	$	214,484	$	203,606	$	488,898	$	2,591,337	$	68,742	$	6,467,069	6.45
W/A risk grade	6.54		5.87		7.22		7.74		7.13		5.96		6.36		8.58		6.45
Energy
Risk grades 1-8	$	223,455	$	82,517	$	59,712	$	6,614	$	30,267	$	24,535	$	647,272	$	7,323	$	1,081,695	5.85
Risk grade 9	61		13,659		4,596		16		—		—		1,270		4,268		23,870		9.00
Risk grade 10	—		13,661		615		—		—		—		23,705		679		38,660		10.00
Risk grade 11	—		164		—		1,242		1,898		—		—		346		3,650		11.00
Risk grade 12	—		—		55		—		—		1,304		859		—		2,218		12.00
Risk grade 13	—		—		—		—		—		—		—		—		—		13.00
	$	223,516	$	110,001	$	64,978	$	7,872	$	32,165	$	25,839	$	673,106	$	12,616	$	1,150,093	6.08
W/A risk grade	6.05		7.86		6.97		7.98		7.75		6.53		5.56		7.88		6.08

	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted to Term		Total		W/A Risk Grade
Commercial real estate:
Owner occupied
Risk grades 1-8	$	898,321	$	674,959	$	413,702	$	418,076	$	538,966	$	927,095	$	29,302	$	149,633	$	4,050,054	6.84
Risk grade 9	10,438		48,295		9,402		15,291		18,264		38,993		645		12		141,340		9.00
Risk grade 10	737		1,837		4,177		13,838		56,225		7,185		—		—		83,999		10.00
Risk grade 11	1,985		2,082		3,127		27,510		44,369		32,377		—		3,466		114,916		11.00
Risk grade 12	1,016		2,190		—		1,228		3,024		3,264		494		—		11,216		12.00
Risk grade 13	122		500		—		—		—		—		—		—		622		13.00
	$	912,619	$	729,863	$	430,408	$	475,943	$	660,848	$	1,008,914	$	30,441	$	153,111	$	4,402,147	7.09
W/A risk grade	7.03		7.08		6.94		7.36		7.50		7.15		6.50		4.91		7.09
Non-owner occupied
Risk grades 1-8	$	1,069,424	$	897,030	$	512,378	$	423,613	$	344,047	$	685,608	$	100,880	$	2,361	$	4,035,341	7.01
Risk grade 9	2,682		9,312		6,883		32,806		565		4,687		100		—		57,035		9.00
Risk grade 10	1,442		—		—		2,655		—		433		—		—		4,530		10.00
Risk grade 11	2,000		2,914		4,961		442		60,195		42,738		3,947		—		117,197		11.00
Risk grade 12	—		—		—		3,790		99		123		—		441		4,453		12.00
Risk grade 13	—		—		—		—		—		—		—		—		—		13.00
	$	1,075,548	$	909,256	$	524,222	$	463,306	$	404,906	$	733,589	$	104,927	$	2,802	$	4,218,556	7.16
W/A risk grade	7.01		7.17		7.04		7.49		7.71		7.05		6.27		7.92		7.16
Construction and land
Risk grades 1-8	$	612,239	$	814,317	$	586,526	$	123,440	$	27,020	$	19,150	$	205,655	$	5,646	$	2,393,993	7.53
Risk grade 9	2,899		3,241		8,038		128,164		8,755		—		—		—		151,097		9.00
Risk grade 10	—		26,353		8,477		—		61,955		42,000		12,250		—		151,035		10.00
Risk grade 11	—		1,060		—		39,954		—		518		—		—		41,532		11.00
Risk grade 12	—		1,517		2,712		1,142		—		712		11,527		333		17,943		12.00
Risk grade 13	—		—		—		—		—		222		900		291		1,413		13.00
	$	615,138	$	846,488	$	605,753	$	292,700	$	97,730	$	62,602	$	230,332	$	6,270	$	2,757,013	7.83
W/A risk grade	7.50		7.53		7.76		8.75		9.11		9.13		7.90		8.44		7.83
Total commercial real estate	$	2,603,305	$	2,485,607	$	1,560,383	$	1,231,949	$	1,163,484	$	1,805,105	$	365,700	$	162,183	$	11,377,716	7.29
W/A risk grade	7.14		7.27		7.29		7.74		7.71		7.18		7.32		5.10		7.29

In the table above, certain loans are reported as 2026 originations and have risk grades of 11 or higher. These loans were primarily originated years prior to 2026 and renewed during 2026.

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 September 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	$	709	$	1,044	$	1,764	$	2,874	$	2,432	$	3,825	$	13,836	$	195	$	26,679
Past due 90 or more days	—		924		1,284		513		1,059		807		3,358		3,900		11,845
Total past due	709		1,968		3,048		3,387		3,491		4,632		17,194		4,095		38,524
Current loans	647,549		693,143		551,000		400,215		294,538		407,514		1,148,696		12,200		4,154,855
Total	$	648,258	$	695,111	$	554,048	$	403,602	$	298,029	$	412,146	$	1,165,890	$	16,295	$	4,193,379
Consumer and other:
Past due 30-89 days	$	3,484	$	186	$	134	$	115	$	72	$	62	$	3,362	$	1,003	$	8,418
Past due 90 or more days	304		3		5		—		—		11		98		268		689
Total past due	3,788		189		139		115		72		73		3,460		1,271		9,107
Current loans	65,307		27,875		7,809		5,291		2,585		2,486		329,560		18,690		459,603
Total	$	69,095	$	28,064	$	7,948	$	5,406	$	2,657	$	2,559	$	333,020	$	19,961	$	468,710

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

	Three Months Ended September 30,				Nine Months Ended September 30,
	2026		2025		2026		2025
Commercial and industrial	$	6,182	$	18,912	$	17,771	$	51,695
Energy	1,646		1,475		10,484		2,711
Commercial real estate:
Owner occupied	1,450		—		1,450		109,061
Non-owner occupied	—		374		117		374
Construction and land	—		—		—		—
Consumer real estate	2,497		1,179		5,899		2,406
Consumer and other	1,053		2,433		4,784		8,228
Total	$	12,828	$	24,373	$	40,505	$	174,475

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 129.0 at September 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 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 September 30, 2026 and December 31, 2025.

September 30, 2026	Commercial and Industrial		Energy		Commercial Real Estate		Consumer Real Estate		Consumer and Other		Total
Modeled expected credit losses	$	47,901	$	5,155	$	18,657	$	33,356	$	5,943	$	111,012
Q-Factor and other qualitative adjustments	35,739		2,891		126,940		1,167		4,558		171,295
Specific allocations	5,679		—		2,035		216		21		7,951
Total	$	89,319	$	8,046	$	147,632	$	34,739	$	10,522	$	290,258
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 nine months ended September 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:
September 30, 2026
Beginning balance	$	91,420	$	9,407	$	142,505	$	29,146	$	11,234	$	283,712
Credit loss expense (benefit)	(763)		(1,603)		5,126		7,460		4,690		14,910
Charge-offs	(2,585)		—		—		(2,195)		(8,538)		(13,318)
Recoveries	1,247		242		1		328		3,136		4,954
Net (charge-offs) recoveries	(1,338)		242		1		(1,867)		(5,402)		(8,364)
Ending balance	$	89,319	$	8,046	$	147,632	$	34,739	$	10,522	$	290,258
September 30, 2025
Beginning balance	$	95,484	$	10,389	$	140,923	$	21,707	$	9,300	$	277,803
Credit loss expense (benefit)	2,669		(2,343)		86		3,115		5,480		9,007
Charge-offs	(2,742)		—		—		(1,849)		(7,022)		(11,613)
Recoveries	1,256		353		6		386		3,023		5,024
Net (charge-offs) recoveries	(1,486)		353		6		(1,463)		(3,999)		(6,589)
Ending balance	$	96,667	$	8,399	$	141,015	$	23,359	$	10,781	$	280,221

	Commercial and Industrial		Energy		Commercial Real Estate		Consumer Real Estate		Consumer and Other		Total
Nine months ended:
September 30, 2026
Beginning balance	$	98,439	$	11,563	$	135,110	$	25,637	$	10,746	$	281,495
Credit loss expense (benefit)	(3,952)		(4,100)		14,616		13,800		12,031		32,395
Charge-offs	(8,638)		(17)		(2,103)		(5,871)		(21,634)		(38,263)
Recoveries	3,470		600		9		1,173		9,379		14,631
Net (charge-offs) recoveries	(5,168)		583		(2,094)		(4,698)		(12,255)		(23,632)
Ending balance	$	89,319	$	8,046	$	147,632	$	34,739	$	10,522	$	290,258
September 30, 2025
Beginning balance	$	87,569	$	9,992	$	143,205	$	19,106	$	10,279	$	270,151
Credit loss expense (benefit)	17,165		(2,428)		2,439		7,365		12,960		37,501
Charge-offs	(11,241)		(52)		(4,639)		(4,099)		(21,156)		(41,187)
Recoveries	3,174		887		10		987		8,698		13,756
Net (charge-offs) recoveries	(8,067)		835		(4,629)		(3,112)		(12,458)		(27,431)
Ending balance	$	96,667	$	8,399	$	141,015	$	23,359	$	10,781	$	280,221

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

	2026		2025		2024		2023		2022		Prior		Revolving Loans		Revolving Loans Converted to Term		Total
Commercial and industrial	$	162	$	738	$	727	$	880	$	532	$	187	$	3,367	$	2,045	$	8,638
Energy	—		—		—		—		—		—		—		17		17
Commercial real estate:
Owner occupied	—		37		—		—		258		1,754		—		—		2,049
Non-owner occupied	—		—		—		—		—		—		—		—		—
Construction and land	—		—		—		—		—		20		—		34		54
Consumer real estate	—		—		431		1,291		1,101		503		2,545		—		5,871
Consumer and other	15,343		3,837		152		20		54		10		1,616		602		21,634
Total	$	15,505	$	4,612	$	1,310	$	2,191	$	1,945	$	2,474	$	7,528	$	2,698	$	38,263

In the table above, $15.3 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 September 30, 2026 and December 31, 2025.

	September 30, 2026				December 31, 2025
	Loan Balance		Specific Allocations		Loan Balance		Specific Allocations
Commercial and industrial	$	18,129	$	5,679	$	48,456	$	16,619
Energy	2,163		—		3,023		700
Commercial real estate:
Owner occupied	11,429		622		7,069		722
Non-owner occupied	4,231		—		466		—
Construction and land	19,357		1,413		1,672		513
Consumer real estate	3,949		216		6,140		637
Consumer and other	21		21		81		81
Total	$	59,279	$	7,951	$	66,907	$	19,272