Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2026

Allowance for Credit Losses

Schedule of allowances for loan losses by portfolio segment

The following table presents the activity of the allowance for credit losses by portfolio segment for the three months ended March 31.

Allowance for Credit Losses:			March 31, 2026
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	18,805	$	16,620	$	12,348	$	222	$	47,995
Initial allowance on acquired loans		502		2,722		96		—		3,320
Provision for credit losses		477		174		1,992		(93)		2,550
Loans charged-off		(174)		(65)		(2,706)		—		(2,945)
Recoveries		140		87		1,191		—		1,418
Ending Balance	$	19,750	$	19,538	$	12,921	$	129	$	52,338

Allowance for Credit Losses:			March 31, 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		775		(540)		1,959		(244)		1,950
Loans charged-off		(490)		(108)		(2,643)		—		(3,241)
Recoveries		277		143		974		—		1,394
Ending Balance	$	17,525	$	16,965	$	12,336	$	9	$	46,835

Schedule of recorded investment in non-performing loans by class of loans

	March 31, 2026
	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	$	127	$	5,684	$	—
Farmland		—		—		—
Non Farm, Non Residential		—		16,699		13,376
Agriculture		318		1,337		—
All Other Commercial		—		191		143
Residential
First Liens		104		984		—
Home Equity		138		465		—
Junior Liens		263		180		—
Multifamily		—		508		453
All Other Residential		—		—		—
Consumer
Motor Vehicle		22		2,428		—
All Other Consumer		—		183		—
TOTAL	$	972	$	28,659	$	13,972

	December 31, 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	$	51	$	6,058	$	394
Farmland		—		—		—
Non Farm, Non Residential		—		15,365		13,126
Agriculture		—		1,218		—
All Other Commercial		—		195		143
Residential
First Liens		606		918		82
Home Equity		178		442		—
Junior Liens		232		81		—
Multifamily		47		517		205
All Other Residential		—		39		20
Consumer
Motor Vehicle		—		2,449		—
All Other Consumer		—		213		—
TOTAL	$	1,114	$	27,495	$	13,970

Schedule of loans and leases that were modified and the financial effect of loan and lease modifications

	March 31, 2026
	30 - 59		60 - 89		Greater Than
	Days		Days		89 Days		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due
Residential
First Liens	$	103	$	—	$	—	$	103
Consumer
Motor Vehicle	$	18	$	—	$	—	$	18
TOTAL	$	121	$	—	$	—	$	121

Schedule of performance of loans and leases that have been modified to borrowers experiencing financial difficulty

The following table presents the amortized cost of loans and leases at March 31, 2026 that were both experiencing financial difficulty and modified during the twelve months ended March 31, 2026, by class and by type of modification.

										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	$	—	$	—	$	12	$	103	$	—	$	50		0.03	%
Junior Liens		—		—		14		—		—		52		0.09	%
All Other Residential		—		—		—		—		—		74		0.20	%
Consumer
Motor Vehicle		15		—		5		—		229		49		0.04	%
TOTAL	$	15	$	—	$	31	$	103	$	229	$	225		0.01	%

The following table presents the financial effect of loan and lease modifications presented above to borrowers experiencing financial difficulty for the twelve months ended March 31, 2026.

			Weighted-			Weighted-
			Average			Average
	Principal		Interest Rate			Term
(Dollar amounts in thousands)	Forgiveness		Reduction			Extension
Residential
First Liens	$	—		1.53	%		100
Junior Liens		—		1.25	%		99
All Other Residential		—		0.63	%		180
Consumer
Motor Vehicle		107		1.27	%		22
TOTAL	$	107		1.25	%		72

Schedule of amortized cost basis of modified loans that had a payment default after modification in the twelve months prior

	Principal		Payment		Term		Interest Rate
(Dollar amounts in thousands)	Forgiveness		Delay		Extension		Reduction
Residential
First Liens	$	—	$	—	$	—	$	103
Consumer
Motor Vehicle		18		—		18		—
TOTAL	$	18	$	—	$	18	$	103

Schedule of amortized cost basis of collateral dependent loans

	March 31, 2026
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	3,527	$	5,965
Farmland		48		—
Non Farm, Non Residential		17,866		—
Agriculture		—		1,334
All Other Commercial		143		—
Residential
First Liens		2,963		—
Home Equity		255		—
Junior Liens		402		—
Multifamily		453		—
All Other Residential		16		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	25,673	$	7,299

	December 31, 2025
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	3,644	$	5,666
Farmland		48		—
Non Farm, Non Residential		17,572		—
Agriculture		—		829
All Other Commercial		143		—
Residential
First Liens		82		—
Home Equity		—		—
Junior Liens		—		—
Multifamily		205		—
All Other Residential		20		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	21,714	$	6,495

Schedule of aging of the recorded investment in loans by past due category and class of loans

	March 31, 2026
					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	$	646	$	647	$	1,407	$	2,700	$	644,066	$	646,766
Farmland		180		214		—		394		133,864		134,258
Non Farm, Non Residential		14,651		87		79		14,817		1,155,018		1,169,835
Agriculture		238		—		1,262		1,500		120,170		121,670
All Other Commercial		—		—		162		162		351,099		351,261
Residential
First Liens		5,799		3,169		398		9,366		549,392		558,758
Home Equity		1,053		264		646		1,963		141,803		143,766
Junior Liens		633		229		311		1,173		75,488		76,661
Multifamily		154		1		278		433		489,265		489,698
All Other Residential		96		—		—		96		37,897		37,993
Consumer
Motor Vehicle		4,931		979		666		6,576		671,186		677,762
All Other Consumer		385		75		50		510		28,127		28,637
TOTAL	$	28,766	$	5,665	$	5,259	$	39,690	$	4,397,375	$	4,437,065

	December 31, 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	$	883	$	3,937	$	1,640	$	6,460	$	642,454	$	648,914
Farmland		320		—		—		320		128,663		128,983
Non Farm, Non Residential		1,060		1,772		85		2,917		910,280		913,197
Agriculture		63		71		343		477		141,341		141,818
All Other Commercial		17		—		175		192		556,861		557,053
Residential
First Liens		3,852		1,151		779		5,782		444,131		449,913
Home Equity		618		234		566		1,418		105,700		107,118
Junior Liens		403		126		266		795		71,989		72,784
Multifamily		187		265		68		520		331,317		331,837
All Other Residential		26		—		24		50		28,936		28,986
Consumer
Motor Vehicle		7,186		1,457		629		9,272		653,385		662,657
All Other Consumer		392		103		68		563		28,056		28,619
TOTAL	$	15,007	$	9,116	$	4,643	$	28,766	$	4,043,113	$	4,071,879

Schedule of commercial loan portfolio by risk category

		March 31, 2026
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2026		2025		2024		2023		2022		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	32,340	$	73,976	$	68,693	$	29,830	$	87,896	$	158,351	$	161,619	$	612,705
	Special Mention		3,132		1,979		1,154		277		413		4,784		3,243	$	14,982
	Substandard		—		99		15		25		1,007		7,981		4,541	$	13,668
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		152		1,405		972		425		201		130		—	$	3,285
	Subtotal	$	35,624	$	77,459	$	70,834	$	30,557	$	89,517	$	171,246	$	169,403	$	644,640
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	1	$	-	$	1
Farmland	Pass	$	3,962	$	19,258	$	9,588	$	17,674	$	14,254	$	61,932	$	315	$	126,983
	Special Mention		—		749		1,357		478		81		1,978		—	$	4,643
	Substandard		—		—		—		—		48		280		—	$	328
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		6		—	$	6
	Subtotal	$	3,962	$	20,007	$	10,945	$	18,152	$	14,383	$	64,196	$	315	$	131,960
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Non Farm, Non Residential	Pass	$	41,575	$	194,778	$	201,574	$	123,729	$	174,132	$	384,102	$	11,995	$	1,131,885
	Special Mention		—		—		8,329		—		900		2,114		—	$	11,343
	Substandard		—		—		—		—		1,907		20,381		—	$	22,288
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		701		—	$	701
	Subtotal	$	41,575	$	194,778	$	209,903	$	123,729	$	176,939	$	407,298	$	11,995	$	1,166,217
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Agriculture	Pass	$	1,813	$	9,515	$	9,470	$	4,937	$	3,832	$	19,694	$	53,283	$	102,544
	Special Mention		—		—		279		676		2,758		1,102		3,767	$	8,582
	Substandard		—		28		296		196		109		4,967		1,798	$	7,394
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		1		—		—		—		—	$	1
	Subtotal	$	1,813	$	9,543	$	10,046	$	5,809	$	6,699	$	25,763	$	58,848	$	118,521
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Other Commercial	Pass	$	19,711	$	109,369	$	42,489	$	13,240	$	66,376	$	88,845	$	7,843	$	347,873
	Special Mention		—		300		561		—		—		—		—	$	861
	Substandard		—		—		—		—		—		743		—	$	743
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		4		170		—	$	174
	Subtotal	$	19,711	$	109,669	$	43,050	$	13,240	$	66,380	$	89,758	$	7,843	$	349,651
	Current period gross charge-offs	$	173	$	-	$	-	$	-	$	-	$	-	$	-	$	173
Residential
Multifamily >5 Residential	Pass	$	3,578	$	54,040	$	134,852	$	80,749	$	69,263	$	124,611	$	235	$	467,328
	Special Mention		6,181		—		—		—		11,956		69		—	$	18,206
	Substandard		—		—		—		—		201		278		—	$	479
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		1,358		—	$	1,358
	Subtotal	$	9,759	$	54,040	$	134,852	$	80,749	$	81,420	$	126,316	$	235	$	487,371
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Total	Pass	$	102,979	$	460,936	$	466,666	$	270,159	$	415,753	$	837,535	$	235,290	$	2,789,318
	Special Mention		9,313		3,028		11,680		1,431		16,108		10,047		7,010	$	58,617
	Substandard		—		127		311		221		3,272		34,630		6,339	$	44,900
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		152		1,405		973		425		205		2,365		—	$	5,525
		$	112,444	$	465,496	$	479,630	$	272,236	$	435,338	$	884,577	$	248,639	$	2,898,360

		December 31, 2025
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2025		2024		2023		2022		2021		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	109,471	$	69,074	$	31,396	$	89,638	$	70,630	$	99,985	$	140,465	$	610,659
	Special Mention		—		6,292		302		1,145		5,347		3,769		2,603	$	19,458
	Substandard		—		11		32		504		1,511		6,737		4,203	$	12,998
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,595		1,061		514		289		115		53		—	$	3,627
	Subtotal	$	111,066	$	76,438	$	32,244	$	91,576	$	77,603	$	110,544	$	147,271	$	646,742
	Current period gross charge-offs	$	81	$	52	$	-	$	86	$	56	$	219	$	-	$	494
Farmland	Pass	$	15,852	$	9,054	$	17,769	$	14,137	$	15,774	$	49,862	$	365	$	122,813
	Special Mention		—		1,145		701		—		—		87		—	$	1,933
	Substandard		—		—		478		—		—		626		—	$	1,104
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		6		—	$	6
	Subtotal	$	15,852	$	10,199	$	18,948	$	14,137	$	15,774	$	50,581	$	365	$	125,856
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Non Farm, Non Residential	Pass	$	156,729	$	157,955	$	90,074	$	153,861	$	138,925	$	170,080	$	9,680	$	877,304
	Special Mention		—		8,350		—		946		—		2,034		—	$	11,330
	Substandard		—		—		—		1,924		15,699		3,382		—	$	21,005
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		697		—	$	697
	Subtotal	$	156,729	$	166,305	$	90,074	$	156,731	$	154,624	$	176,193	$	9,680	$	910,336
	Current period gross charge-offs	$	-	$	-	$	-	$	33	$	-	$	11	$	-	$	44
Agriculture	Pass	$	13,315	$	10,053	$	6,034	$	6,428	$	3,040	$	27,137	$	56,978	$	122,985
	Special Mention		385		84		—		914		141		999		4,298	$	6,821
	Substandard		29		287		207		142		17		4,422		3,865	$	8,969
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		1		—		1		21		—		—	$	23
	Subtotal	$	13,729	$	10,425	$	6,241	$	7,485	$	3,219	$	32,558	$	65,141	$	138,798
	Current period gross charge-offs	$	-	$	4	$	-	$	-	$	-	$	83	$	-	$	87
Other Commercial	Pass	$	95,156	$	87,870	$	62,856	$	90,093	$	70,734	$	136,922	$	7,986	$	551,617
	Special Mention		300		560		—		—		—		—		—	$	860
	Substandard		—		—		—		—		541		213		—	$	754
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		15		—		366		—	$	381
	Subtotal	$	95,456	$	88,430	$	62,856	$	90,108	$	71,275	$	137,501	$	7,986	$	553,612
	Current period gross charge-offs	$	728	$	-	$	-	$	-	$	-	$	-	$	-	$	728
Residential
Multifamily >5 Residential	Pass	$	30,157	$	96,593	$	55,938	$	54,759	$	34,709	$	37,417	$	544	$	310,117
	Special Mention		—		—		—		12,075		—		6,319		—	$	18,394
	Substandard		—		—		—		205		—		280		—	$	485
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		420		953		—	$	1,373
	Subtotal	$	30,157	$	96,593	$	55,938	$	67,039	$	35,129	$	44,969	$	544	$	330,369
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Total	Pass	$	420,680	$	430,599	$	264,067	$	408,916	$	333,812	$	521,403	$	216,018	$	2,595,495
	Special Mention		685		16,431		1,003		15,080		5,488		13,208		6,901	$	58,796
	Substandard		29		298		717		2,775		17,768		15,660		8,068	$	45,315
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,595		1,062		514		305		556		2,075		—	$	6,107
		$	422,989	$	448,390	$	266,301	$	427,076	$	357,624	$	552,346	$	230,987	$	2,705,713

		March 31, 2026
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2026		2025		2024		2023		2022		Prior		Loans		Total
Residential
First Liens	Performing	$	25,547	$	83,278	$	85,554	$	54,171	$	79,082	$	223,641	$	2,381	$	553,654
	Non-performing		—		82		1,282		—		508		1,232		—	$	3,104
	Subtotal	$	25,547	$	83,360	$	86,836	$	54,171	$	79,590	$	224,873	$	2,381	$	556,758
	Current period gross charge-offs	$	-	$	9	$	-	$	-	$	-	$	8	$	-	$	17
Home Equity	Performing	$	2,017	$	11,440	$	1,027	$	958	$	678	$	1,769	$	124,577	$	142,466
	Non-performing		—		—		233		—		30		156		394	$	813
	Subtotal	$	2,017	$	11,440	$	1,260	$	958	$	708	$	1,925	$	124,971	$	143,279
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	4	$	-	$	4
Junior Liens	Performing	$	5,987	$	22,893	$	13,674	$	9,291	$	9,290	$	13,083	$	1,855	$	76,073
	Non-performing		—		34		48		103		74		88		—	$	347
	Subtotal	$	5,987	$	22,927	$	13,722	$	9,394	$	9,364	$	13,171	$	1,855	$	76,420
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	6	$	-	$	6
Other Residential	Performing	$	3,414	$	18,149	$	4,369	$	3,004	$	3,451	$	5,199	$	250	$	37,836
	Non-performing		—		—		—		—		—		2		—	$	2
	Subtotal	$	3,414	$	18,149	$	4,369	$	3,004	$	3,451	$	5,201	$	250	$	37,838
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	38	$	-	$	38
Consumer
Motor Vehicle	Performing	$	81,026	$	261,573	$	152,714	$	99,898	$	63,423	$	13,732	$	9	$	672,375
	Non-performing		—		348		584		569		705		253		—	$	2,459
	Subtotal	$	81,026	$	261,921	$	153,298	$	100,467	$	64,128	$	13,985	$	9	$	674,834
	Current period gross charge-offs	$	-	$	629	$	597	$	497	$	668	$	115	$	-	$	2,506
Other Consumer	Performing	$	828	$	4,990	$	4,307	$	2,313	$	1,298	$	1,877	$	12,663	$	28,276
	Non-performing		—		7		59		61		3		39		43	$	212
	Subtotal	$	828	$	4,997	$	4,366	$	2,374	$	1,301	$	1,916	$	12,706	$	28,488
	Current period gross charge-offs	$	-	$	10	$	29	$	5	$	14	$	46	$	96	$	200
Total	Performing	$	118,819	$	402,323	$	261,645	$	169,635	$	157,222	$	259,301	$	141,735	$	1,510,680
	Non-performing		—		471		2,206		733		1,320		1,770		437	$	6,937
Total other loans		$	118,819	$	402,794	$	263,851	$	170,368	$	158,542	$	261,071	$	142,172	$	1,517,617

		December 31, 2025
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2025		2024		2023		2022		2021		Prior		Loans		Total
Residential
First Liens	Performing	$	64,142	$	61,775	$	39,526	$	74,359	$	60,920	$	144,310	$	1,786	$	446,818
	Non-performing		—		70		—		—		45		1,456		—	$	1,571
	Subtotal	$	64,142	$	61,845	$	39,526	$	74,359	$	60,965	$	145,766	$	1,786	$	448,389
	Current period gross charge-offs	$	-	$	33	$	31	$	-	$	-	$	11	$	-	$	75
Home Equity	Performing	$	338	$	938	$	793	$	650	$	259	$	1,284	$	101,907	$	106,169
	Non-performing		—		—		—		33		17		175		393	$	618
	Subtotal	$	338	$	938	$	793	$	683	$	276	$	1,459	$	102,300	$	106,787
	Current period gross charge-offs	$	-	$	-	$	-	$	22	$	-	$	19	$	10	$	51
Junior Liens	Performing	$	23,832	$	13,403	$	9,409	$	9,145	$	4,674	$	9,676	$	2,107	$	72,246
	Non-performing		—		14		152		25		17		99		—	$	307
	Subtotal	$	23,832	$	13,417	$	9,561	$	9,170	$	4,691	$	9,775	$	2,107	$	72,553
	Current period gross charge-offs	$	-	$	30	$	-	$	-	$	-	$	85	$	-	$	115
Other Residential	Performing	$	7,829	$	6,807	$	3,843	$	4,991	$	3,573	$	1,757	$	—	$	28,800
	Non-performing		—		—		—		—		49		8		—	$	57
	Subtotal	$	7,829	$	6,807	$	3,843	$	4,991	$	3,622	$	1,765	$	—	$	28,857
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Consumer
Motor Vehicle	Performing	$	279,286	$	168,244	$	113,956	$	76,182	$	14,119	$	5,441	$	9	$	657,237
	Non-performing		222		519		500		866		194		128		—	$	2,429
	Subtotal	$	279,508	$	168,763	$	114,456	$	77,048	$	14,313	$	5,569	$	9	$	659,666
	Current period gross charge-offs	$	759	$	2,380	$	2,279	$	4,075	$	713	$	249	$	-	$	10,455
Other Consumer	Performing	$	4,776	$	5,276	$	2,726	$	1,503	$	1,137	$	942	$	11,842	$	28,202
	Non-performing		2		67		67		19		35		12		65	$	267
	Subtotal	$	4,778	$	5,343	$	2,793	$	1,522	$	1,172	$	954	$	11,907	$	28,469
	Current period gross charge-offs	$	13	$	246	$	180	$	53	$	44	$	24	$	201	$	761
Total	Performing	$	380,203	$	256,443	$	170,253	$	166,830	$	84,682	$	163,410	$	117,651	$	1,339,472
	Non-performing		224		670		719		943		357		1,878		458	$	5,249
Total other loans		$	380,427	$	257,113	$	170,972	$	167,773	$	85,039	$	165,288	$	118,109	$	1,344,721

Summary of purchased loans, for which there was, at acquisition, evidence of more than insignificant deterioration of credit quality since origination.

(Dollar amounts in thousands)	2026		2025
Purchase price of loans at acquisition	$	2,795	$	—
Allowance for credit losses at acquisition		695		—
Non-credit discount at acquisition		226		—
		—		—
Par value of loans at acquisition	$	3,716	$	—