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Loans (Tables)
 9 Months Ended
Sep. 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 September 30, 2025 and December 31, 2024:
September 30,
2025		December 31,
2024
Commercial
Owner occupied real estate$709,374 $667,165 
Non–owner occupied real estate1,610,937 1,501,456 
Residential spec homes16,783 15,611 
Development & spec land29,862 18,627 
Commercial and industrial989,609 875,297 
Total commercial3,356,565 3,078,156 
Real estate
Residential mortgage757,342 783,961 
Residential construction26,508 18,948 
Total real estate783,850 802,909 
Consumer
Direct installment82,377 97,190 
Indirect installment23,341 303,901 
Home equity577,536 564,884 
Total consumer683,254 965,975 
Total loans4,823,669 4,847,040 
Allowance for credit losses(50,178)(51,980)
Net loans$4,773,491 $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 September 30, 2025:

September 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$5,171 $— $1,363 
Non–owner occupied real estate3,258 — 139 
Residential spec homes— — — 
Development & spec land510 — — 
Commercial and industrial3,364 — 1,060 
Total commercial12,303 — 2,562 
Real estate
Residential mortgage9,256 — — 
Residential construction— — — 
Total real estate9,256 — — 
Consumer
Direct installment604 259 — 
Indirect installment1,159 173 — 
Home equity6,036 1,176 — 
Total consumer7,799 1,608 — 
Total$29,358 $1,608 $2,562 
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 September 30, 2025:
September 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$704,038 $44 $3,973 $1,318 $5,335 $709,373 
Non–owner occupied real estate1,605,731 2,357 — 2,849 5,206 1,610,937 
Residential spec homes16,783 — — — — 16,783 
Development & spec land29,352 510 — — 510 29,862 
Commercial and industrial982,095 2,858 2,095 2,561 7,514 989,609 
Total commercial3,337,999 5,769 6,068 6,728 18,565 3,356,564 
Real estate
Residential mortgage747,424 79 3,827 6,012 9,918 757,342 
Residential construction26,508 — — — — 26,508 
Total real estate773,932 79 3,827 6,012 9,918 783,850 
Consumer
Direct installment78,619 2,860 215 684 3,759 82,378 
Indirect installment19,052 3,038 543 708 4,289 23,341 
Home equity563,614 6,625 1,998 5,299 13,922 577,536 
Total consumer661,285 12,523 2,756 6,691 21,970 683,255 
Total$4,773,216 $18,371 $12,651 $19,431 $50,453 $4,823,669 
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 September 30, 2025 of loans that were modified to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2025 and the amortized cost at September 30, 2024, of loans that were modified to borrowers experiencing financial difficulty during the three and nine months periods ended September 30, 2024:
Three Months Ended September 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$550 $— $3,007 $— $3,557 0.51 %
Non-owner occupied real estate— — — — — — %
Development spec & land— — — — — — %
Commercial and industrial757 — 246 — 1,003 0.10 %
Total $1,307 $— $3,253 $— $4,560 0.09 %
Nine Months Ended September 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$550 $— $3,412 $— $3,962 0.56 %
Non-owner occupied real estate409 — — — 409 0.03 %
Development spec & land510 — — — 510 1.74 %
Commercial and industrial1,929 — 650 1,525 4,104 0.42 %
Total$3,398 $— $4,062 $1,525 $8,985 0.19 %
Three Months Ended September 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$2,038 $— $— $— $2,038 0.32 %
Non-owner occupied real estate— — — — — — %
Development spec & land— — — — — — %
Commercial and industrial1,111 — — — 1,111 0.14 %
Total$3,149 $— $— $— $3,149 0.07 %

Nine Months Ended September 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$3,986 $— $— $— $3,986 0.63 %
Non-owner occupied real estate1,720 — 651 — 2,371 0.17 %
Development spec & land— — — — — — %
Commercial and industrial2,205 — — 437 2,642 0.33 %
Total$7,911 $— $651 $437 $8,999 0.19 %

The following tables summarize the financial impacts of loan modifications and payment deferrals, as applicable, during the three and nine months periods ended September 30, 2025 and 2024:
Three Months Ended September 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 estate9— %100
Non-owner occupied real estate0— %00
Development spec & land0— %00
Commercial and industrial7— %10
Nine Months Ended September 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 estate9— %60
Non-owner occupied real estate12— %00
Development spec & land12— %00
Commercial and industrial9— %6
Weighted average term extension of 36 months & weighted average interest rate reduction of 1.73%

Three Months Ended September 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 estate6— %00
Non-owner occupied real estate0— %00
Development spec & land0— %00
Commercial and industrial21— %0
Weighted average term extension of 0 months & Weighted average interest rate reduction of —%
Nine Months Ended September 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 estate7— %00
Non-owner occupied real estate15— %50
Development spec & land0— %00
Commercial and industrial15— %0
Weighted average term extension of 14 months & weighted average interest rate reduction of 2.03%
Modified Loans Past Due
The following table presents the amortized cost basis at September 30, 2025 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months:

September 30, 2025
Current30-89 Days Past Due90 Days Past DueTotal
Commercial
Owner occupied real estate$6,380 $— $— $6,380 
Non-owner occupied real estate— 409 — 409 
Development spec & land— 510 — 510 
Commercial and industrial5,245 — — 5,245 
Total$11,625 $919 $— $12,544 

The following table presents the amortized cost basis at September 30, 2024 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months:
September 30, 2024
Current30-89 Days Past Due90 Days Past DueTotal
Commercial
Owner occupied real estate$3,986 $— $— $3,986 
Non-owner occupied real estate2,371 — — 2,371 
Development spec & land— — — — 
Commercial and industrial2,641 — — 2,641 
Total$8,998 $— $— $8,998 
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 September 30, 2025 and December 31, 2024.
September 30, 2025
Real EstateAccounts
Receivable/
Equipment		OtherTotalACL
Allocation
Commercial
Owner occupied real estate$5,171 $— $— $5,171 $115 
Non–owner occupied real estate3,258 — — 3,258 214 
Development & spec land510 — — 510 — 
Commercial and industrial1,005 2,359 — 3,364 529 
Total commercial9,944 2,359 — 12,303 858 
Total collateral dependent loans (1)
$9,944 $2,359 $— $12,303 $858 
(1) Collateral dependent loans had a collateral fair value of $8.7 million at September 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 September 30, 2025.
September 30, 202520252024202320222021PriorRevolving Term LoansRevolving
Loans		Total
Commercial
Owner occupied real estate
Pass$89,674 $78,616 $84,470 $82,654 $63,771 $187,836 $80,366 $13,251 $680,638 
Special Mention— 1,030 — — 1,391 5,335 2,357 100 10,213 
Substandard— 3,206 9,449 2,728 — 2,590 — 550 18,523 
Doubtful— — — — — — — — — 
Total owner occupied real estate$89,674 $82,852 $93,919 $85,382 $65,162 $195,761 $82,723 $13,901 $709,374 
Gross charge-offs during period$109 $257 $— $50 $— $22 $33 $— $471 
Non–owner occupied real estate
Pass$129,841 $185,379 $125,563 $233,754 $149,076 $423,758 $307,194 $14,125 $1,568,690 
Special Mention490 — 1,312 28,391 — — — — 30,193 
Substandard— 2,181 3,908 620 — 5,277 68 — 12,054 
Doubtful— — — — — — — — — 
Total non–owner occupied real estate$130,331 $187,560 $130,783 $262,765 $149,076 $429,035 $307,262 $14,125 $1,610,937 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Residential spec homes
Pass$2,173 $301 $— $— $— $— $8,895 $5,414 $16,783 
Special Mention— — — — — — — — — 
Substandard— — — — — — — — — 
Doubtful— — — — — — — — — 
Total residential spec homes$2,173 $301 $— $— $— $— $8,895 $5,414 $16,783 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Development & spec land
Pass$3,196 $817 $4,026 $757 $1,118 $2,043 $17,395 $— $29,352 
Special Mention— — — — — — — — — 
Substandard— — — — — — 510 — 510 
Doubtful— — — — — — — — — 
Total development & spec land$3,196 $817 $4,026 $757 $1,118 $2,043 $17,905 $— $29,862 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Commercial and industrial
Pass$232,182 $207,007 $81,826 $109,494 $57,518 $50,986 $47,224 $163,815 $950,052 
Special Mention1,451 1,768 442 557 33 331 11,072 10,417 26,071 
Substandard1,904 1,705 4,473 146 49 1,687 1,064 2,458 13,486 
Doubtful— — — — — — — — — 
Total commercial and industrial$235,537 $210,480 $86,741 $110,197 $57,600 $53,004 $59,360 $176,690 $989,609 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Total commercial$460,911 $482,010 $315,469 $459,101 $272,956 $679,843 $476,145 $210,130 $3,356,565 
September 30, 202520252024202320222021PriorRevolving Term LoansRevolving
Loans		Total
Real estate
Residential mortgage
Performing$50,764 $72,055 $114,833 $148,243 $130,929 $231,262 $— $— $748,086 
Non–performing— 186 3,610 973 361 4,126 — — 9,256 
Total residential mortgage$50,764 $72,241 $118,443 $149,216 $131,290 $235,388 $— $— $757,342 
Gross charge-offs during period$— $135 $82 $188 $355 $83 $— $— $843 
Residential construction
Performing$— $— $— $— $— $— $26,508 $— $26,508 
Non–performing— — — — — — — — — 
Total residential construction$— $— $— $— $— $— $26,508 $— $26,508 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Total real estate$50,764 $72,241 $118,443 $149,216 $131,290 $235,388 $26,508 $— $783,850 
September 30, 202520252024202320222021PriorRevolving Term LoansRevolving
Loans		Total
Consumer
Direct installment
Performing$7,651 $7,068 $50,076 $5,834 $3,612 $5,744 $11 $1,518 $81,514 
Non–performing— 16 665 73 78 31 — — 863 
Total direct installment$7,651 $7,084 $50,741 $5,907 $3,690 $5,775 $11 $1,518 $82,377 
Gross charge-offs during period$3 $100 $65 $52 $53 $— $7 $— $280 
Indirect installment
Performing$— $318 $4,424 $10,891 $3,907 $2,469 $— $— $22,009 
Non–performing— 40 236 616 262 178 — — 1,332 
Total indirect installment$— $358 $4,660 $11,507 $4,169 $2,647 $— $— $23,341 
Gross charge-offs during period$— $200 $598 $889 $315 $188 $— $— $2,190 
Home equity
Performing$10,457 $11,436 $17,405 $13,678 $4,589 $8,421 $30,246 $474,092 $570,324 
Non–performing— 83 623 432 2 173 5,899 — 7,212 
Total home equity$10,457 $11,519 $18,028 $14,110 $4,591 $8,594 $36,145 $474,092 $577,536 
Gross charge-offs during period$— $— $20 $7 $— $56 $788 $— $871 
Total consumer$18,108 $18,961 $73,429 $31,524 $12,450 $17,016 $36,156 $475,610 $683,254 
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