Allowance for Credit Losses

9 Months Ended

Sep. 30, 2025

Allowance for Credit Losses

Allowance for Credit Losses

3.    Allowance for Credit Losses

The following table presents the activity of the allowance for credit losses by portfolio segment for the three months ended September 30.

Allowance for Credit Losses:			September 30, 2025
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	16,408	$	17,795	$	12,559	$	325	$	47,087
Provision for credit losses		1,584		(787)		1,100		53		1,950
Loans charged-off		(364)		(8)		(2,854)		—		(3,226)
Recoveries		248		74		1,278		—		1,600
Ending Balance	$	17,876	$	17,074	$	12,083	$	378	$	47,411

Allowance for Credit Losses:			September 30, 2024
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	12,015	$	14,324	$	11,986	$	9	$	38,334
PCD ACL on acquired loans		3,006		—		—		—		3,006
Provision for credit losses		4,246		2,766		2,113		275		9,400
Loans charged-off		(3,800)		(58)		(3,078)		—		(6,936)
Recoveries		1,197		93		1,075		—		2,365
Ending Balance	$	16,664	$	17,125	$	12,096	$	284	$	46,169

The following table presents the activity of the allowance for credit losses by portfolio segment for the nine months ended September 30.

Allowance for Credit Losses:			September 30, 2025
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	16,963	$	17,470	$	12,046	$	253	$	46,732
Provision for credit losses		1,339		(507)		4,893		125		5,850
Loans charged -off		(1,063)		(125)		(8,207)		—		(9,395)
Recoveries		637		236		3,351		—		4,224
Ending Balance	$	17,876	$	17,074	$	12,083	$	378	$	47,411

Allowance for Credit Losses:			September 30, 2024
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	13,264	$	14,327	$	11,797	$	379	$	39,767
PCD ACL on acquired loans		3,006		—		—		0		3,006
Provision for credit losses		6,328		2,686		5,247		(95)		14,166
Loans charged -off		(7,579)		(114)		(8,526)		—		(16,219)
Recoveries		1,645		226		3,578		—		5,449
Ending Balance	$	16,664	$	17,125	$	12,096	$	284	$	46,169

The tables below present the recorded investment in non-performing loans by class of loans.

	September 30, 2025
	Loans Past				Nonaccrual
	Due Over				With No
	90 Days				Allowance
	and Greater
(Dollar amounts in thousands)	Still Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial	$	—	$	5,652	$	418
Farmland		177		—		—
Non Farm, Non Residential		—		1,979		72
Agriculture		29		867		—
All Other Commercial		—		1,640		143
Residential
First Liens		919		907		84
Home Equity		227		462		—
Junior Liens		189		47		—
Multifamily		232		267		212
All Other Residential		74		2,884		20
Consumer
Motor Vehicle		—		2,564		—
All Other Consumer		—		201		—
TOTAL	$	1,847	$	17,470	$	949

	December 31, 2024
	Loans Past				Nonaccrual
	Due Over				With No
	90 Days				Allowance
	and Greater
(Dollar amounts in thousands)	Still Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial	$	43	$	2,092	$	—
Farmland		—		1,047		806
Non Farm, Non Residential		—		1,733		897
Agriculture		—		644		623
All Other Commercial		—		1,181		1,116
Residential
First Liens		459		1,464		694
Home Equity		822		107		—
Junior Liens		243		85		27
Multifamily		321		291		225
All Other Residential		—		103		46
Consumer
Motor Vehicle		—		2,364		—
All Other Consumer		—		368		—
TOTAL	$	1,888	$	11,479	$	4,434

The following tables present the amortized cost basis of collateral dependent loans by class of loans:

	September 30, 2025
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	3,868	$	5,413
Farmland		48		—
Non Farm, Non Residential		4,543		—
Agriculture		—		906
All Other Commercial		1,586		—
Residential
First Liens		84		—
Home Equity		—		—
Junior Liens		—		—
Multifamily		212		—
All Other Residential		2,864		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	13,205	$	6,319

	December 31, 2024
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	1	$	5,978
Farmland		996		—
Non Farm, Non Residential		4,111		—
Agriculture		—		623
All Other Commercial		1,116		—
Residential
First Liens		694		—
Home Equity		—		—
Junior Liens		27		—
Multifamily		225		—
All Other Residential		46		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	7,216	$	6,601

The following tables presents the aging of the recorded investment in loans by past due category and class of loans.

	September 30, 2025
					90 Days
	30-59 Days		60-89 Days		and Greater		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial	$	3,378	$	58	$	974	$	4,410	$	587,651	$	592,061
Farmland		—		—		177		177		127,989		128,166
Non Farm, Non Residential		220		—		—		220		884,491		884,711
Agriculture		75		328		231		634		131,935		132,569
All Other Commercial		—		64		1,567		1,631		556,583		558,214
Residential
First Liens		818		437		1,067		2,322		458,644		460,966
Home Equity		599		99		633		1,331		99,387		100,718
Junior Liens		443		231		200		874		69,801		70,675
Multifamily		706		—		253		959		329,224		330,183
All Other Residential		—		—		2,952		2,952		36,129		39,081
Consumer
Motor Vehicle		6,132		1,575		761		8,468		647,706		656,174
All Other Consumer		400		118		32		550		28,731		29,281
TOTAL	$	12,771	$	2,910	$	8,847	$	24,528	$	3,958,271	$	3,982,799

	December 31, 2024
					90 Days
	30-59 Days		60-89 Days		and Greater		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial	$	746	$	768	$	208	$	1,722	$	571,244	$	572,966
Farmland		598		—		806		1,404		131,582		132,986
Non Farm, Non Residential		1,619		—		—		1,619		811,252		812,871
Agriculture		—		—		642		642		148,647		149,289
All Other Commercial		1,297		152		—		1,449		540,948		542,397
Residential
First Liens		4,304		1,361		1,224		6,889		444,792		451,681
Home Equity		639		157		906		1,702		88,137		89,839
Junior Liens		356		101		290		747		64,154		64,901
Multifamily		529		74		345		948		318,763		319,711
All Other Residential		25		—		108		133		44,477		44,610
Consumer
Motor Vehicle		10,176		1,435		808		12,419		627,119		639,538
All Other Consumer		555		122		123		800		30,843		31,643
TOTAL	$	20,844	$	4,170	$	5,460	$	30,474	$	3,821,958	$	3,852,432

Loan Modifications Made to Borrowers Experiencing Financial Difficulty:

Modification of the terms of such loans typically include one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.

The following table presents the amortized cost of loans and leases at September 30, 2025 that were both experiencing financial difficulty and modified during the twelve months ended September 30, 2025, by class and by type of modification. The percentage of the amortized cost of loans and leases that were modified to borrowers in financial distress as compared to the amortized cost of each class of financial receivable is also presented below.

										Combination		Combination
										Term		Term		Total
										Extension and		Extension		Class of
	Principal		Payment		Term		Interest Rate			Principal		Interest Rate		Financing
(Dollar amounts in thousands)	Forgiveness		Delay		Extension		Reduction		Forgiveness		Reduction		Receivable
Residential
First Liens	$	—	$	—	$	—	$	104	$	—	$	136		0.05	%
Junior Liens		—		—		—		—		—		53		0.08	%
Consumer
Motor Vehicle		—		—		—		—		193		90		0.04	%
TOTAL	$	—	$	—	$	—	$	104	$	193	$	279		0.01	%

The Corporation has no commitments to lend additional amounts to the borrowers included in the table above.

The Corporation closely monitors the performance of loans and leases that have been modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of such loans that have been modified in the last twelve months:

	September 30, 2025
	30 - 59		60 - 89		Greater Than
	Days		Days		89 Days		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due
Consumer
Motor Vehicle	$	—	$	2	$	—	$	2
TOTAL	$	—	$	2	$	—	$	2

The following table presents the financial effect of loan and lease modifications presented above to borrowers experiencing financial difficulty for the twelve months ended September 30, 2025.

			Weighted-			Weighted-
			Average			Average
	Principal		Interest Rate			Term
(Dollar amounts in thousands)	Forgiveness		Reduction			Extension
Residential
First Liens	$	—		1.17	%		83
Junior Liens	$	—		1.25	%		60
Consumer
Motor Vehicle		97		1.95	%		22
TOTAL	$	97		1.36	%		49

The following table presents the amortized cost basis of loans that had a payment default during the twelve months ended September 30, 2025 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty. A loan is considered to be in payment default once it is 30 days contractually past due under the modified terms.

	Principal		Payment		Term		Interest Rate
(Dollar amounts in thousands)	Forgiveness		Delay		Extension		Reduction
Consumer
Motor Vehicle	$	2	$	—	$	2	$	2
TOTAL	$	2	$	—	$	2	$	2

Upon the Corporation’s determination that a modified loan has subsequently been deemed uncollectible, the loan is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.

Credit Quality Indicators:

The Corporation categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Corporation analyzes loans individually by classifying the loans as to credit risk. This analysis includes non-homogeneous loans, such as commercial loans, with an outstanding balance greater than $250 thousand. Any consumer loans outstanding to a borrower who had commercial loans analyzed will be similarly risk rated. This analysis is performed on a quarterly basis. The Corporation uses the following definitions for risk ratings:

Special Mention: Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.

Substandard: Loans classified as substandard are inadequately protected by the current net worth and debt service capacity of the borrower or of any pledged collateral. These loans have a well-defined weakness or weaknesses which have clearly jeopardized repayment of principal and interest as originally intended. They are characterized by the distinct possibility that the institution will sustain some future loss if the deficiencies are not corrected.

Doubtful: Loans classified as doubtful have all the weaknesses inherent in those graded substandard, with the added characteristic that the severity of the weaknesses makes collection or liquidation in full highly questionable or improbable based upon currently existing facts, conditions, and values.

Furthermore, non-homogeneous loans which were not individually analyzed, but are 90+ days past due or on non-accrual are classified as substandard. Loans included in homogeneous pools, such as residential or consumer may be classified as substandard due to 90+ days delinquency, non-accrual status, bankruptcy, or loan restructuring.

The following tables present the commercial loan portfolio by risk category. These balances do not include accrued interest:

		September 30, 2025
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2025		2024		2023		2022		2021		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	65,788	$	72,987	$	33,466	$	93,192	$	73,177	$	100,567	$	113,843	$	553,020
	Special Mention		—		4,691		3,742		135		5,606		3,892		1,431	$	19,497
	Substandard		—		11		45		613		1,556		3,609		7,765	$	13,599
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,320		1,207		599		425		159		73		—	$	3,783
	Subtotal	$	67,108	$	78,896	$	37,852	$	94,365	$	80,498	$	108,141	$	123,039	$	589,899
	Current period gross charge-offs	$	81	$	52	$	-	$	54	$	43	$	185	$	-	$	415
Farmland	Pass	$	10,469	$	9,795	$	17,947	$	14,332	$	16,126	$	51,864	$	1,260	$	121,793
	Special Mention		—		1,151		701		—		—		89		—	$	1,941
	Substandard		—		—		478		—		173		686		—	$	1,337
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		11		—	$	11
	Subtotal	$	10,469	$	10,946	$	19,126	$	14,332	$	16,299	$	52,650	$	1,260	$	125,082
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Non Farm, Non Residential	Pass	$	113,601	$	165,330	$	88,358	$	154,745	$	147,159	$	180,382	$	8,813	$	858,388
	Special Mention		—		—		—		1,034		—		239		—	$	1,273
	Substandard		—		—		—		2,264		15,373		4,214		—	$	21,851
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		703		—	$	703
	Subtotal	$	113,601	$	165,330	$	88,358	$	158,043	$	162,532	$	185,538	$	8,813	$	882,215
	Current period gross charge-offs	$	-	$	-	$	-	$	33	$	-	$	-	$	-	$	33
Agriculture	Pass	$	8,187	$	10,573	$	6,493	$	6,733	$	3,613	$	19,645	$	58,268	$	113,512
	Special Mention		221		95		—		914		181		1,004		4,072	$	6,487
	Substandard		—		332		224		152		28		4,138		4,336	$	9,210
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		2		—		3		21		13		—	$	39
	Subtotal	$	8,408	$	11,002	$	6,717	$	7,802	$	3,843	$	24,800	$	66,676	$	129,248
	Current period gross charge-offs	$	-	$	3	$	-	$	-	$	-	$	52	$	-	$	55
Other Commercial	Pass	$	54,812	$	91,816	$	62,942	$	90,871	$	89,058	$	155,635	$	7,885	$	553,019
	Special Mention		—		—		—		—		—		—		—	$	—
	Substandard		—		—		—		1,443		548		216		—	$	2,207
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		18		—		374		—	$	392
	Subtotal	$	54,812	$	91,816	$	62,942	$	92,332	$	89,606	$	156,225	$	7,885	$	555,618
	Current period gross charge-offs	$	560	$	-	$	-	$	-	$	-	$	-	$	-	$	560
Residential
Multifamily >5 Residential	Pass	$	25,418	$	85,258	$	65,416	$	56,186	$	36,575	$	38,848	$	634	$	308,335
	Special Mention		—		—		—		12,193		—		6,643		—	$	18,836
	Substandard		—		—		—		212		—		21		—	$	233
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		421		927		—	$	1,348
	Subtotal	$	25,418	$	85,258	$	65,416	$	68,591	$	36,996	$	46,439	$	634	$	328,752
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Total	Pass	$	278,275	$	435,759	$	274,622	$	416,059	$	365,708	$	546,941	$	190,703	$	2,508,067
	Special Mention		221		5,937		4,443		14,276		5,787		11,867		5,503	$	48,034
	Substandard		—		343		747		4,684		17,678		12,884		12,101	$	48,437
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,320		1,209		599		446		601		2,101		—	$	6,276
		$	279,816	$	443,248	$	280,411	$	435,465	$	389,774	$	573,793	$	208,307	$	2,610,814

		December 31, 2024
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2024		2023		2022		2021		2020		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	92,372	$	38,454	$	104,695	$	76,691	$	35,180	$	90,984	$	85,448	$	523,824
	Special Mention		354		137		870		9,953		2,931		1,052		1,078	$	16,375
	Substandard		4,464		3,461		233		1,478		374		10,244		5,904	$	26,158
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		2,041		924		735		353		153		75		—	$	4,281
	Subtotal	$	99,231	$	42,976	$	106,533	$	88,475	$	38,638	$	102,355	$	92,430	$	570,638
	Current period gross charge-offs	$	-	$	-	$	1,982	$	4,716	$	54	$	96	$	-	$	6,848
Farmland	Pass	$	12,676	$	19,782	$	15,526	$	20,086	$	7,565	$	51,413	$	494	$	127,542
	Special Mention		—		—		—		—		—		817		—	$	817
	Substandard		—		—		35		237		—		1,292		—	$	1,564
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		11		—	$	11
	Subtotal	$	12,676	$	19,782	$	15,561	$	20,323	$	7,565	$	53,533	$	494	$	129,934
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Non Farm, Non Residential	Pass	$	145,512	$	85,201	$	162,233	$	167,505	$	40,094	$	164,625	$	19,286	$	784,456
	Special Mention		—		107		411		12,976		—		—		—	$	13,494
	Substandard		636		50		2,596		2,736		102		5,602		—	$	11,722
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		658		62		—	$	720
	Subtotal	$	146,148	$	85,358	$	165,240	$	183,217	$	40,854	$	170,289	$	19,286	$	810,392
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Agriculture	Pass	$	12,492	$	7,810	$	9,281	$	4,815	$	4,824	$	20,925	$	81,991	$	142,138
	Special Mention		—		—		84		—		5		1,353		1,750	$	3,192
	Substandard		—		—		—		—		—		649		—	$	649
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		12		—		27		23		13		—		—	$	75
	Subtotal	$	12,504	$	7,810	$	9,392	$	4,838	$	4,842	$	22,927	$	83,741	$	146,054
	Current period gross charge-offs	$	-	$	-	$	53	$	-	$	-	$	-	$	-	$	53
Other Commercial	Pass	$	61,991	$	56,715	$	99,257	$	112,668	$	93,030	$	102,823	$	10,435	$	536,919
	Special Mention		—		—		—		—		—		758		—	$	758
	Substandard		—		—		940		—		21		240		—	$	1,201
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		26		—		9		420		—	$	455
	Subtotal	$	61,991	$	56,715	$	100,223	$	112,668	$	93,060	$	104,241	$	10,435	$	539,333
	Current period gross charge-offs	$	889	$	100	$	-	$	-	$	-	$	-	$	-	$	989
Residential
Multifamily >5 Residential	Pass	$	78,426	$	65,289	$	58,565	$	42,191	$	22,950	$	26,018	$	4,662	$	298,101
	Special Mention		—		—		12,538		—		342		6,259		—	$	19,139
	Substandard		—		—		225		—		—		24		—	$	249
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		424		—		653		—	$	1,077
	Subtotal	$	78,426	$	65,289	$	71,328	$	42,615	$	23,292	$	32,954	$	4,662	$	318,566
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Total	Pass	$	403,469	$	273,251	$	449,557	$	423,956	$	203,643	$	456,788	$	202,316	$	2,412,980
	Special Mention		354		244		13,903		22,929		3,278		10,239		2,828	$	53,775
	Substandard		5,100		3,511		4,029		4,451		497		18,051		5,904	$	41,543
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		2,053		924		788		800		833		1,221		—	$	6,619
		$	410,976	$	277,930	$	468,277	$	452,136	$	208,251	$	486,299	$	211,048	$	2,514,917

The Corporation evaluates the credit quality of its other loan portfolios, which includes residential real estate, consumer and lease financing loans, based primarily on the aging status of the loan and payment activity. Accordingly, loans on non-accrual status and loans past due 90 days or more and still accruing interest are considered to be nonperforming for purposes of credit quality evaluation. The following table presents the other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming. These balances do not include accrued interest:

		September 30, 2025
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2025		2024		2023		2022		2021		Prior		Loans		Total
Residential
First Liens	Performing	$	50,005	$	66,465	$	43,592	$	80,422	$	63,100	$	152,136	$	1,788	$	457,508
	Non-performing		—		105		—		—		46		1,716		—	$	1,867
	Subtotal	$	50,005	$	66,570	$	43,592	$	80,422	$	63,146	$	153,852	$	1,788	$	459,375
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	11	$	-	$	11
Home Equity	Performing	$	338	$	933	$	706	$	808	$	260	$	1,288	$	95,371	$	99,704
	Non-performing		—		—		—		34		42		182		431	$	689
	Subtotal	$	338	$	933	$	706	$	842	$	302	$	1,470	$	95,802	$	100,393
	Current period gross charge-offs	$	-	$	-	$	-	$	22	$	-	$	19	$	-	$	41
Junior Liens	Performing	$	16,119	$	15,342	$	10,230	$	9,865	$	5,125	$	11,017	$	2,537	$	70,235
	Non-performing		—		43		79		20		—		88		—	$	230
	Subtotal	$	16,119	$	15,385	$	10,309	$	9,885	$	5,125	$	11,105	$	2,537	$	70,465
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	73	$	-	$	73
Other Residential	Performing	$	7,378	$	10,403	$	7,687	$	4,937	$	3,646	$	1,797	$	108	$	35,956
	Non-performing		—		2,844		72		—		49		9		—	$	2,974
	Subtotal	$	7,378	$	13,247	$	7,759	$	4,937	$	3,695	$	1,806	$	108	$	38,930
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Consumer
Motor Vehicle	Performing	$	217,368	$	187,404	$	129,967	$	89,487	$	18,349	$	8,181	$	10	$	650,766
	Non-performing		212		441		547		876		242		224		—	$	2,542
	Subtotal	$	217,580	$	187,845	$	130,514	$	90,363	$	18,591	$	8,405	$	10	$	653,308
	Current period gross charge-offs	$	250	$	1,543	$	1,799	$	3,205	$	649	$	207	$	-	$	7,653
Other Consumer	Performing	$	4,394	$	6,751	$	3,392	$	1,792	$	1,303	$	1,080	$	10,181	$	28,893
	Non-performing		3		54		78		5		39		21		37	$	237
	Subtotal	$	4,397	$	6,805	$	3,470	$	1,797	$	1,342	$	1,101	$	10,218	$	29,130
	Current period gross charge-offs	$	10	$	177	$	145	$	53	$	38	$	4	$	127	$	554
Total	Performing	$	295,602	$	287,298	$	195,574	$	187,311	$	91,783	$	175,499	$	109,995	$	1,343,062
	Non-performing		215		3,487		776		935		418		2,240		468	$	8,539
Total other loans		$	295,817	$	290,785	$	196,350	$	188,246	$	92,201	$	177,739	$	110,463	$	1,351,601

		December 31, 2024
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2024		2023		2022		2021		2020		Prior		Loans		Total
Residential
First Liens	Performing	$	64,953	$	47,930	$	89,205	$	69,090	$	37,658	$	136,805	$	2,279	$	447,920
	Non-performing		—		—		—		180		113		2,019		—	$	2,312
	Subtotal	$	64,953	$	47,930	$	89,205	$	69,270	$	37,771	$	138,824	$	2,279	$	450,232
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	221	$	-	$	221
Home Equity	Performing	$	966	$	562	$	1,017	$	31	$	143	$	1,149	$	84,723	$	88,591
	Non-performing		—		—		41		—		38		108		720	$	907
	Subtotal	$	966	$	562	$	1,058	$	31	$	181	$	1,257	$	85,443	$	89,498
	Current period gross charge-offs	$	-	$	-	$	22	$	-	$	-	$	28	$	51	$	101
Junior Liens	Performing	$	16,989	$	12,371	$	12,590	$	6,431	$	5,200	$	9,229	$	1,578	$	64,388
	Non-performing		—		39		41		38		60		146		—	$	324
	Subtotal	$	16,989	$	12,410	$	12,631	$	6,469	$	5,260	$	9,375	$	1,578	$	64,712
	Current period gross charge-offs	$	-	$	15	$	-	$	-	$	-	$	-	$	-	$	15
Other Residential	Performing	$	17,542	$	13,123	$	6,960	$	4,392	$	628	$	1,559	$	53	$	44,257
	Non-performing		—		—		—		80		5		36		—	$	121
	Subtotal	$	17,542	$	13,123	$	6,960	$	4,472	$	633	$	1,595	$	53	$	44,378
	Current period gross charge-offs	$	-	$	-	$	-	$	6	$	-	$	-	$	-	$	6
Consumer
Motor Vehicle	Performing	$	247,368	$	187,134	$	139,251	$	37,043	$	20,130	$	3,290	$	11	$	634,227
	Non-performing		144		346		1,112		398		286		59		—	$	2,345
	Subtotal	$	247,512	$	187,480	$	140,363	$	37,441	$	20,416	$	3,349	$	11	$	636,572
	Current period gross charge-offs	$	478	$	2,692	$	4,839	$	1,751	$	587	$	97	$	-	$	10,444
Other Consumer	Performing	$	11,580	$	6,883	$	3,270	$	2,161	$	1,094	$	576	$	5,501	$	31,065
	Non-performing		32		92		155		75		24		3		40	$	421
	Subtotal	$	11,612	$	6,975	$	3,425	$	2,236	$	1,118	$	579	$	5,541	$	31,486
	Current period gross charge-offs	$	50	$	197	$	121	$	22	$	16	$	24	$	182	$	612
Total	Performing	$	359,398	$	268,003	$	252,293	$	119,148	$	64,853	$	152,608	$	94,145	$	1,310,448
	Non-performing		176		477		1,349		771		526		2,371		760	$	6,430
Total other loans		$	359,574	$	268,480	$	253,642	$	119,919	$	65,379	$	154,979	$	94,905	$	1,316,878