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Loans (Tables)
 6 Months Ended
Jun. 30, 2025
Receivables [Abstract]  
Schedule of Loan Portfolio Segments and Classes
The table below identifies the Company’s loan portfolio segments and classes.
Portfolio SegmentClass of Financing Receivable
CommercialOwner occupied real estate
Non-owner occupied real estate
Residential spec homes
Development & spec land
Commercial and industrial
Residential real estateResidential mortgage
Residential construction
ConsumerDirect installment
Indirect installment
Home equity
Schedule of Loans Outstanding By Portfolio Class
The following table presents outstanding loans held for investment by portfolio class, as of June 30, 2025 and December 31, 2024:
June 30,
2025		December 31,
2024
Commercial
Owner occupied real estate$705,069 $667,165 
Non–owner occupied real estate1,577,782 1,501,456 
Residential spec homes17,386 15,611 
Development & spec land21,714 18,627 
Commercial and industrial976,740 875,297 
Total commercial3,298,691 3,078,156 
Real estate
Residential mortgage763,614 783,961 
Residential construction22,412 18,948 
Total real estate786,026 802,909 
Consumer
Direct installment87,549 97,190 
Indirect installment233,648 303,901 
Home equity579,668 564,884 
Total consumer900,865 965,975 
Total loans4,985,582 4,847,040 
Allowance for credit losses(54,399)(51,980)
Net loans$4,931,183 $4,795,060 
Schedule of Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans
The following table presents non–accrual loans and loans past due over 90 days still on accrual by class of loans at June 30, 2025:

June 30, 2025
Total Non-accrualLoans Past Due Over 90 Days Still AccruingNon-accruing Loans with no Allowance for Credit Losses
Commercial
Owner occupied real estate$4,240 $1,123 $1,469 
Non–owner occupied real estate421 — 143 
Residential spec homes— — — 
Development & spec land523 — — 
Commercial and industrial2,363 — 1,137 
Total commercial7,547 1,123 2,749 
Real estate
Residential mortgage9,525 102 — 
Residential construction— — — 
Total real estate9,525 102 — 
Consumer
Direct installment304 306 — 
Indirect installment1,527 70 — 
Home equity5,391 512 — 
Total consumer7,222 888 — 
Total$24,294 $2,113 $2,749 
The following table presents non–accrual loans and loans past due over 90 days still on accrual by class of loan at December 31, 2024:

December 31, 2024
Total Non-accrualLoans Past Due Over 90 Days Still AccruingNon-accruing Loans with no Allowance for Credit Losses
Commercial
Owner occupied real estate$2,448 $— $1,419 
Non–owner occupied real estate444 — 444 
Residential spec homes— — — 
Development & spec land534 — 534 
Commercial and industrial2,232 — 1,239 
Total commercial5,658 — 3,636 
Real estate
Residential mortgage11,215 — — 
Residential construction— — — 
Total real estate11,215 — — 
Consumer
Direct installment338 128 — 
Indirect installment1,542 358 — 
Home equity7,039 680 — 
Total consumer8,919 1,166 — 
Total$25,792 $1,166 $3,636 
Schedule of Payment Status by Class of Loan
The following table presents the payment status by class of loan at June 30, 2025:
June 30, 2025
Current30-59 Days
Past Due		60-89 Days
Past Due		90 Days or
Greater
Past Due		Total Past
Due		Total
Loans
Commercial
Owner occupied real estate$701,219 $388 $919 $2,543 $3,850 $705,069 
Non–owner occupied real estate1,568,442 5,412 3,928 — 9,340 1,577,782 
Residential spec homes17,386 — — — — 17,386 
Development & spec land21,714 — — — — 21,714 
Commercial and industrial971,014 2,457 1,472 1,797 5,726 976,740 
Total commercial3,279,775 8,257 6,319 4,340 18,916 3,298,691 
Real estate
Residential mortgage754,493 — 4,702 4,419 9,121 763,614 
Residential construction22,412 — — — — 22,412 
Total real estate776,905 — 4,702 4,419 9,121 786,026 
Consumer
Direct installment86,013 855 290 391 1,536 87,549 
Indirect installment229,039 3,534 451 624 4,609 233,648 
Home equity566,447 7,587 1,911 3,723 13,221 579,668 
Total consumer881,499 11,976 2,652 4,738 19,366 900,865 
Total$4,938,179 $20,233 $13,673 $13,497 $47,403 $4,985,582 
The following table presents the payment status by class of loan at December 31, 2024:
December 31, 2024
Current30-59 Days
Past Due		60-89 Days
Past Due		90 Days or
Greater
Past Due		Total Past
Due		Total
Loans
Commercial
Owner occupied real estate$665,875 $1,195 $— $95 $1,290 $667,165 
Non–owner occupied real estate1,500,229 931 — 296 1,227 1,501,456 
Residential spec homes15,611 — — — — 15,611 
Development & spec land18,627 — — — — 18,627 
Commercial and industrial872,893 2,155 70 179 2,404 875,297 
Total commercial3,073,235 4,281 70 570 4,921 3,078,156 
Real estate
Residential mortgage773,214 — 4,163 6,584 10,747 783,961 
Residential construction18,948 — — — — 18,948 
Total real estate792,162 — 4,163 6,584 10,747 802,909 
Consumer
Direct installment95,337 1,325 181 347 1,853 97,190 
Indirect installment298,048 4,179 806 868 5,853 303,901 
Home equity551,483 7,143 1,537 4,721 13,401 564,884 
Total consumer944,868 12,647 2,524 5,936 21,107 965,975 
Total$4,810,265 $16,928 $6,757 $13,090 $36,775 $4,847,040 
Modified Loans
The following tables detail the amortized cost at June 30, 2025 of loans that were modified to borrowers experiencing financial difficulty during the three months ended June 30, 2025 and the amortized cost at June 30, 2024, of loans that were modified to borrowers experiencing financial difficulty during the three and six months periods ended June 30, 2024:
Three Months Ended June 30, 2025
Term ExtensionInterest Rate Reduction Other-Than-Insignificant Payment DelayTerm Extension and Interest Rate ReductionTotal % of Loans Held for Investment
Commercial
Owner occupied real estate$500 $— $— $— $500 0.07 %
Non-owner occupied real estate— — — — — — %
Development spec & land— — — — — — %
Commercial and industrial877 — — 1,545 2,422 0.25 %
Total $1,377 $— $— $1,545 $2,922 0.06 %
Six Months Ended June 30, 2025
Term ExtensionInterest Rate ReductionOther-Than-Insignificant Payment DelayTerm Extension and Interest Rate ReductionTotal% of Loans Held for Investment
Commercial
Owner occupied real estate$500 $— $425 $— $925 0.13 %
Non-owner occupied real estate421 — — — 421 0.03 %
Development spec & land523 — — — 523 2.41 %
Commercial and industrial1,253 — 416 1,545 3,214 0.33 %
Total$2,697 $— $841 $1,545 $5,083 0.10 %
Three Months Ended June 30, 2024
Term ExtensionInterest Rate ReductionOther-Than-Insignificant Payment DelayTerm Extension and Interest Rate ReductionTotal% of Loans Held for Investment
Commercial
Owner occupied real estate$— $— $668 $— $668 0.11 %
Non-owner occupied real estate696 — — — 696 0.05 %
Development spec & land748 — — — 748 2.23 %
Commercial and industrial1,097 — — 398 1,495 0.19 %
Total$2,541 $— $668 $398 $3,607 0.07 %

Six Months Ended June 30, 2024
Term ExtensionInterest Rate ReductionOther-Than-Insignificant Payment DelayTerm Extension and Interest Rate ReductionTotal% of Loans Held for Investment
Commercial
Owner occupied real estate$1,948 $— $668 $— $2,616 0.41 %
Non-owner occupied real estate696 — — — 696 0.05 %
Development spec & land748 — — — 748 2.23 %
Commercial and industrial1,347 — 25 437 1,809 0.23 %
Total$4,739 $— $693 $437 $5,869 0.12 %

The following tables summarize the financial impacts of loan modifications and payment deferrals, as applicable, during the three and six months periods ended June 30, 2025 and 2024:
Three Months Ended June 30, 2025
Weighted Average Term Extension (In Months)Weighted average interest rate reduction (In Percentage Terms)Weighted Average Payment Delay (In Months)Term Extension (In Months) & Rate Reduction (In Percentage Terms)
Commercial
Owner occupied real estate6— %— — 
Non-owner occupied real estate— — %— — 
Development spec & land— — %— — 
Commercial and industrial10— %— 
Weighted average term extension of 36 months & weighted average interest rate reduction of 1.73%
Six Months Ended June 30, 2025
Weighted Average Term Extension (In Months)Weighted average interest rate reduction (Int Percentage Terms)Weighted Average Payment Delay (In Months)Term Extension (In Months) & Rate Reduction (In Percentage Terms)
Commercial
Owner occupied real estate6— %6— 
Non-owner occupied real estate14— %— — 
Development spec & land18— %— — 
Commercial and industrial10— %6
Weighted average term extension of 36 months & weighted average interest rate reduction of 1.73%

Three Months Ended June 30, 2024
Weighted Average Term Extension (In Months)Weighted average interest rate reduction (In Percentage Terms)Weighted Average Payment Delay (In Months)Term Extension (In Months) & Rate Reduction (In Percentage Terms)
Commercial
Owner occupied real estate— — %5— 
Non-owner occupied real estate31— %— — 
Development spec & land3— %— — 
Commercial and industrial5— %— 
Weighted average term extension of 6 months & Weighted average interest rate reduction of 1.75%
Six Months Ended June 30, 2024
Weighted Average Term Extension (In Months)Weighted average interest rate reduction (Int Percentage Terms)Weighted Average Payment Delay (In Months)Term Extension (In Months) & Rate Reduction (In Percentage Terms)
Commercial
Owner occupied real estate9— %5— 
Non-owner occupied real estate31— %— — 
Development spec & land3— %— — 
Commercial and industrial6— %3
Weighted average term extension of 14 months & weighted average interest rate reduction of 1.59%
Modified Loans Past Due
The following table presents the amortized cost basis at June 30, 2025 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months:

June 30, 2025
Current30-89 Days Past Due90 Days Past DueTotal
Commercial
Owner occupied real estate$5,302 $— $— $5,302 
Non-owner occupied real estate421 — — 421 
Development spec & land523 — — 523 
Commercial and industrial4,864 — — 4,864 
Total$11,110 $— $— $11,110 

The following table presents the amortized cost basis at June 30, 2024 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months:
June 30, 2024
Current30-89 Days Past Due90 Days Past DueTotal
Commercial
Owner occupied real estate$2,615 $— $— $2,615 
Non-owner occupied real estate696 — — 696 
Development spec & land748 — — 748 
Commercial and industrial3,142 25 — 3,167 
Total$7,201 $25 $— $7,226 
Schedule of Allowance for Credit Loss Allocated for Collateral Dependent Loans
The tables below present the amortized cost basis and allowance for credit losses (“ACL”) allocated for collateral dependent loans in accordance with ASC 326, which are individually evaluated to determine expected credit losses, at June 30, 2025 and December 31, 2024.
June 30, 2025
Real EstateAccounts
Receivable/
Equipment		OtherTotalACL
Allocation
Commercial
Owner occupied real estate$4,240 $— $— $4,240 $315 
Non–owner occupied real estate421 — — 421 — 
Development & spec land523 — — 523 — 
Commercial and industrial1,012 1,246 — 2,258 603 
Total commercial6,196 1,246 — 7,442 918 
Total collateral dependent loans (1)
$6,196 $1,246 $— $7,442 $918 
(1) Collateral dependent loans had a collateral fair value of $5.4 million at June 30, 2025
December 31, 2024
Real EstateAccounts
Receivable/
Equipment		OtherTotalACL
Allocation
Commercial
Owner occupied real estate$2,448 $— $— $2,448 $224 
Non–owner occupied real estate444 — — 444 — 
Development & spec land534 — — 534 — 
Commercial and industrial1,756 476 — 2,232 731 
Total commercial5,182 476 — 5,658 955 
Total collateral dependent loans (1)
$5,182 $476 $— $5,658 $955 
(1) Collateral dependent loans had a collateral fair value of $3.4 million at December 31, 2024
Schedule of Loans by Credit Grades
The following tables present loans by credit grades and origination year at June 30, 2025.
June 30, 202520252024202320222021PriorRevolving Term LoansRevolving
Loans		Total
Commercial
Owner occupied real estate
Pass$59,279 $74,736 $72,793 $84,695 $65,295 $201,390 $96,330 $20,945 $675,463 
Special Mention— 1,033 1,855 — 1,407 4,362 2,371 150 11,178 
Substandard— 3,208 8,450 3,659 — 2,611 — 500 18,428 
Doubtful— — — — — — — — — 
Total owner occupied real estate$59,279 $78,977 $83,098 $88,354 $66,702 $208,363 $98,701 $21,595 $705,069 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Non–owner occupied real estate
Pass$106,058 $185,657 $109,738 $236,996 $125,371 $434,273 $338,165 $11,006 $1,547,264 
Special Mention— — 1,467 16,419 1,205 94 — — 19,185 
Substandard— 2,181 3,763 — — 5,289 100 — 11,333 
Doubtful— — — — — — — — — 
Total non–owner occupied real estate$106,058 $187,838 $114,968 $253,415 $126,576 $439,656 $338,265 $11,006 $1,577,782 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Residential spec homes
Pass$1,883 $306 $— $— $— $— $12,157 $3,040 $17,386 
Special Mention— — — — — — — — — 
Substandard— — — — — — — — — 
Doubtful— — — — — — — — — 
Total residential spec homes$1,883 $306 $— $— $— $— $12,157 $3,040 $17,386 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Development & spec land
Pass$1,300 $818 $4,048 $767 $1,306 $2,128 $10,461 $363 $21,191 
Special Mention— — — — — — — — — 
Substandard— — — — — — 523 — 523 
Doubtful— — — — — — — — — 
Total development & spec land$1,300 $818 $4,048 $767 $1,306 $2,128 $10,984 $363 $21,714 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Commercial and industrial
Pass$144,449 $245,297 $87,476 $124,977 $61,662 $54,197 $52,456 $164,743 $935,257 
Special Mention1,488 1,289 622 745 43 720 10,852 9,782 25,541 
Substandard1,545 1,715 6,136 99 26 1,736 1,037 3,648 15,942 
Doubtful— — — — — — — — — 
Total commercial and industrial$147,482 $248,301 $94,234 $125,821 $61,731 $56,653 $64,345 $178,173 $976,740 
Gross charge-offs during period$— $121 $— $— $— $22 $8 $— $151 
Total commercial$316,002 $516,240 $296,348 $468,357 $256,315 $706,800 $524,452 $214,177 $3,298,691 
June 30, 202520252024202320222021PriorRevolving Term LoansRevolving
Loans		Total
Real estate
Residential mortgage
Performing$28,606 $70,218 $122,023 $155,869 $135,542 $241,729 $— $— $753,987 
Non–performing— 189 3,373 1,034 675 4,356 — — 9,627 
Total residential mortgage$28,606 $70,407 $125,396 $156,903 $136,217 $246,085 $— $— $763,614 
Gross charge-offs during period$— $136 $— $62 $226 $3 $— $— $427 
Residential construction
Performing$— $— $— $— $— $— $22,412 $— $22,412 
Non–performing— — — — — — — — — 
Total residential construction$— $— $— $— $— $— $22,412 $— $22,412 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Total real estate$28,606 $70,407 $125,396 $156,903 $136,217 $246,085 $22,412 $— $786,026 
June 30, 202520252024202320222021PriorRevolving Term LoansRevolving
Loans		Total
Consumer
Direct installment
Performing$5,502 $8,069 $53,290 $7,792 $4,136 $6,542 $44 $1,564 $86,939 
Non–performing— 27 426 19 88 50 — — 610 
Total direct installment$5,502 $8,096 $53,716 $7,811 $4,224 $6,592 $44 $1,564 $87,549 
Gross charge-offs during period$1 $73 $46 $50 $6 $— $7 $— $183 
Indirect installment
Performing$— $21,808 $57,327 $102,055 $36,610 $14,251 $— $— $232,051 
Non–performing— 33 323 725 305 211 — — 1,597 
Total indirect installment$— $21,841 $57,650 $102,780 $36,915 $14,462 $— $— $233,648 
Gross charge-offs during period$— $159 $366 $641 $144 $116 $— $— $1,426 
Home equity
Performing$6,917 $12,311 $19,290 $14,283 $4,796 $9,324 $27,508 $479,336 $573,765 
Non–performing— 68 258 445 — 204 4,928 — 5,903 
Total home equity$6,917 $12,379 $19,548 $14,728 $4,796 $9,528 $32,436 $479,336 $579,668 
Gross charge-offs during period$— $— $20 $7 $— $52 $644 $— $723 
Total consumer$12,419 $42,316 $130,914 $125,319 $45,935 $30,582 $32,480 $480,900 $900,865 
The following tables present loans by credit grades and origination year at December 31, 2024.
December 31, 202420242023202220212020PriorRevolving Term LoansRevolving
Loans		Total
Commercial
Owner occupied real estate
Pass$75,649 $74,305 $90,872 $68,978 $36,778 $178,936 $92,227 $12,365 $630,110 
Special Mention129 — 1,724 1,769 142 8,759 — 100 12,623 
Substandard2,970 8,761 1,051 6,307 — 4,843 — 500 24,432 
Doubtful— — — — — — — — — 
Total owner occupied real estate$78,748 $83,066 $93,647 $77,054 $36,920 $192,538 $92,227 $12,965 $667,165 
Gross charge-offs during period$— $— $— $— $— $1 $— $— $1 
Non–owner occupied real estate
Pass$194,167 $115,378 $244,266 $133,689 $100,688 $344,558 $298,288 $11,726 $1,442,760 
Special Mention— 4,211 16,409 1,249 — 31,083 — — 52,952 
Substandard83 297 — — — 5,364 — — 5,744 
Doubtful— — — — — — — — — 
Total non–owner occupied real estate$194,250 $119,886 $260,675 $134,938 $100,688 $381,005 $298,288 $11,726 $1,501,456 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Residential spec homes
Pass$362 $— $— $420 $— $— $10,986 $3,843 $15,611 
Special Mention— — — — — — — — — 
Substandard— — — — — — — — — 
Doubtful— — — — — — — — — 
Total residential spec homes$362 $— $— $420 $— $— $10,986 $3,843 $15,611 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Development & spec land
Pass$819 $4,139 $788 $1,133 $328 $2,039 $7,931 $599 $17,776 
Special Mention— — — — — 317 — — 317 
Substandard— — — — — — 534 — 534 
Doubtful— — — — — — — — — 
Total development & spec land$819 $4,139 $788 $1,133 $328 $2,356 $8,465 $599 $18,627 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Commercial and industrial
Pass$242,562 $105,877 $128,707 $73,008 $6,954 $54,764 $48,313 $179,370 $839,555 
Special Mention1,246 324 1,245 28 1 1,573 9,519 9,281 23,217 
Substandard843 2,599 318 217 266 3,170 1,003 4,109 12,525 
Doubtful— — — — — — — — — 
Total commercial and industrial$244,651 $108,800 $130,270 $73,253 $7,221 $59,507 $58,835 $192,760 $875,297 
Gross charge-offs during period$— $— $— $— $— $45 $108 $— $153 
Total commercial$518,830 $315,891 $485,380 $286,798 $145,157 $635,406 $468,801 $221,893 $3,078,156 
December 31, 202420242023202220212020PriorRevolving Term LoansRevolving
Loans		Total
Real estate
Residential mortgage
Performing$69,264 $145,927 $160,780 $140,310 $78,563 $177,902 $— $— $772,746 
Non–performing201 1,619 2,125 1,472 706 5,092 — — 11,215 
Total residential mortgage$69,465 $147,546 $162,905 $141,782 $79,269 $182,994 $— $— $783,961 
Gross charge-offs during period$— $— $— $— $— $5 $— $— $5 
Residential construction
Performing$— $— $— $— $— $— $18,948 $— $18,948 
Non–performing— — — — — — — — — 
Total residential construction$— $— $— $— $— $— $18,948 $— $18,948 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Mortgage warehouse
Performing$— $— $— $— $— $— $— $— $— 
Non–performing— — — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $— $— $— 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Total real estate$69,465 $147,546 $162,905 $141,782 $79,269 $182,994 $18,948 $— $802,909 
December 31, 202420242023202220212020PriorRevolving Term LoansRevolving
Loans		Total
Consumer
Direct installment
Performing$11,306 $59,850 $9,510 $5,398 $2,679 $6,003 $60 $1,918 $96,724 
Non–performing1 374 46 19 — 26 — — 466 
Total direct installment$11,307 $60,224 $9,556 $5,417 $2,679 $6,029 $60 $1,918 $97,190 
Gross charge-offs during period$72 $93 $169 $1 $35 $78 $9 $— $457 
Indirect installment
Performing$26,839 $70,143 $130,610 $49,458 $17,647 $7,304 $— $— $302,001 
Non–performing— 425 800 304 242 129 — — 1,900 
Total indirect installment$26,839 $70,568 $131,410 $49,762 $17,889 $7,433 $— $— $303,901 
Gross charge-offs during period$161 $449 $1,345 $527 $188 $99 $— $— $2,769 
Home equity
Performing$13,552 $21,845 $16,136 $5,110 $1,902 $9,210 $18,657 $470,753 $557,165 
Non–performing— 421 426 — 30 296 6,465 81 7,719 
Total home equity$13,552 $22,266 $16,562 $5,110 $1,932 $9,506 $25,122 $470,834 $564,884 
Gross charge-offs during period$— $23 $52 $88 $— $39 $110 $11 $323 
Total consumer$51,698 $153,058 $157,528 $60,289 $22,500 $22,968 $25,182 $472,752 $965,975