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LOANS AND ALLOWANCE FOR CREDIT LOSSES
 6 Months Ended
Jun. 30, 2026
Credit Loss [Abstract]  
LOANS AND ALLOWANCE FOR CREDIT LOSSES LOANS AND ALLOWANCE FOR CREDIT LOSSES
The composition of the loan portfolio, net of deferred origination fees and costs, is summarized as follows (in thousands):
June 30, 2026December 31, 2025
Commercial and industrial$328,365 $324,185 
Commercial real estate:
Construction131,885 120,418 
Owner occupied commercial real estate183,705 178,620 
Non-owner occupied commercial real estate1,201,796 1,110,689 
Residential mortgages286,875 286,885 
Consumer loans:
Home equity lines and loans115,628 109,723 
Indirect consumer loans112,767 132,699 
Direct consumer loans6,130 6,342 
Total loans, net of deferred loan fees and costs2,367,151 2,269,561 
Allowance for credit losses(25,232)(24,209)
Loans, net$2,341,919 $2,245,352 
The Corporation's concentrations of credit risk by loan type are reflected in the preceding table. The concentrations of credit risk associated with standby letters of credit, committed lines of credit, and commitments to originate new loans generally follow the loan classifications in the table above.
Accrued interest receivable on loans totaled $9.3 million as of June 30, 2026 and $8.9 million as of December 31, 2025, and is included in the accrued interest receivable and other assets line item on the Consolidated Balance Sheets, and is excluded from both the amortized cost basis of loans and estimate of the allowance for credit losses, as presented in this Note. Deferred loan costs, net of deferred loan fees, included in the amortized cost basis of loans as presented in this Note, totaled $3.6 million as of June 30, 2026 and $4.1 million as of December 31, 2025.
As of June 30, 2026, loans held for sale included $2.3 million in commercial credit card balances and $0.1 million in residential mortgages. Loans held for sale are excluded from the amortized cost basis of loans, as presented in this Note.
The following tables present the activity in the allowance for credit losses by portfolio segment for the three and six month periods ended June 30, 2026 and 2025 (in thousands):
Three Months Ended June 30, 2026
Allowance for credit lossesCommercial and IndustrialCommercial Real EstateResidential MortgagesConsumer LoansTotal
Beginning balance, April 1, 2026$4,339 $15,643 $2,397 $2,511 $24,890 
Charge-offs— — (8)(358)(366)
Recoveries5 — 3 198 206 
Net recoveries (charge-offs)5 — (5)(160)(160)
Provision (credit) (1)
(131)555 9 69 502 
Ending balance, June 30, 2026
$4,213 $16,198 $2,401 $2,420 $25,232 
(1)Additional provision related to off-balance sheet exposure was $59 thousand for the three months ended June 30, 2026.
Three Months Ended June 30, 2025
Allowance for credit lossesCommercial and IndustrialCommercial Real EstateResidential MortgagesConsumer LoansTotal
Beginning balance, April 1, 2025$5,153 $12,089 $2,473 $2,807 $22,522 
Charge-offs(772)— — (348)(1,120)
Recoveries4 1 5 118 128 
Net recoveries (charge-offs)(768)1 5 (230)(992)
Provision (1)
139 624 119 253 1,135 
Ending balance, June 30, 2025
$4,524 $12,714 $2,597 $2,830 $22,665 
(1)Additional provision related to off-balance sheet exposure was $10 thousand for the three months ended June 30, 2025.

Six Months Ended June 30, 2026
Allowance for credit lossesCommercial and IndustrialCommercial Real EstateResidential MortgagesConsumer LoansTotal
Beginning balance, January 1, 2026$4,524 $14,363 $2,788 $2,534 $24,209 
Charge-offs(1)(310)(8)(784)(1,103)
Recoveries682 1 32 322 1,037 
Net recoveries (charge-offs)681 (309)24 (462)(66)
Provision (credit) (1)
(992)2,144 (411)348 1,089 
Ending balance, June 30, 2026
$4,213 $16,198 $2,401 $2,420 $25,232 
(1)Additional provision related to off-balance sheet exposure was $73 thousand for the six months ended June 30, 2026.

Six Months Ended June 30, 2025
Allowance for credit lossesCommercial and IndustrialCommercial Real EstateResidential MortgagesConsumer LoansTotal
Beginning balance, January 1, 2025$4,520 $11,214 $2,259 $3,395 $21,388 
Charge-offs(777)— — (742)(1,519)
Recoveries9 2 10 244 265 
Net recoveries (charge-offs)(768)2 10 (498)(1,254)
Provision (credit) (1)
772 1,498 328 (67)2,531 
Ending balance, June 30, 2025
$4,524 $12,714 $2,597 $2,830 $22,665 
(1)Additional provision related to off-balance sheet exposure was a $294 thousand credit for the six months ended June 30, 2025.

The Corporation performs an annual update to the loss drivers used in modeling its estimate of the allowance for credit losses. Annual updates for the model were completed during the three month periods ended March 31, 2026 and 2025.

Unfunded Commitments
The allowance for credit losses on unfunded commitments represents amounts held against credit exposures which are not represented on the Consolidated Balance Sheets. The allowance is recognized as a liability, a component of other liabilities on the Consolidated Balance Sheets, with adjustments to the allowance recognized in the provision for credit losses line item on the Consolidated Statements of Income.
The following table presents the activity in the allowance for credit losses on unfunded commitments for the three and six month periods ended June 30, 2026 and 2025 (in thousands):
For the Three Months EndedFor the Six Months Ended
Allowance for credit losses on unfunded commitments June 30, 2026June 30, 2025June 30, 2026June 30, 2025
Beginning balance $600 $538 $586 $842 
Provision for credit losses on unfunded commitments 59 10 73 (294)
Ending balance $659 $548 $659 $548 

The following table presents the provision for credit losses on loans and unfunded commitments for the three and six month periods ended June 30, 2026 and 2025 (in thousands):
For the Three Months EndedFor the Six Months Ended
Provision for credit lossesJune 30, 2026June 30, 2025June 30, 2026June 30, 2025
Provision for credit losses on loans $502 $1,135 $1,089 $2,531 
Provision for credit losses on unfunded commitments 59 10 73 (294)
Total provision for credit losses$561 $1,145 $1,162 $2,237 

The following tables present the balance in the allowance for credit losses by portfolio segment, as of June 30, 2026 and December 31, 2025 (in thousands):
June 30, 2026
Allowance for credit lossesCommercial and IndustrialCommercial Real EstateResidential MortgagesConsumer LoansTotal
Ending allowance balance attributable to loans:
Individually analyzed$662 $1,385 $— $— $2,047 
Collectively analyzed3,551 14,813 2,401 2,420 23,185 
   Total ending allowance balance$4,213 $16,198 $2,401 $2,420 $25,232 

December 31, 2025
Allowance for credit lossesCommercial and IndustrialCommercial Real EstateResidential MortgagesConsumer LoansTotal
Ending allowance balance attributable to loans:
Individually analyzed$641 $506 $— $— $1,147 
Collectively analyzed3,883 13,857 2,788 2,534 23,062 
Total ending allowance balance$4,524 $14,363 $2,788 $2,534 $24,209 

The following tables present the amortized cost basis of loans by portfolio segment, as of June 30, 2026 and December 31, 2025 (in thousands):
June 30, 2026
Amortized cost basis of loans:Commercial and IndustrialCommercial Real EstateResidential MortgagesConsumer LoansTotal
Individually analyzed $3,072 $2,564 $— $307 $5,943 
Collectively analyzed325,293 1,514,822 286,875 234,218 2,361,208 
   Total ending loans balance$328,365 $1,517,386 $286,875 $234,525 $2,367,151 
December 31, 2025
Amortized cost basis of loans:Commercial and IndustrialCommercial Real EstateResidential MortgagesConsumer LoansTotal
Individually analyzed$693 $3,167 $— $327 $4,187 
Collectively analyzed323,492 1,406,560 286,885 248,437 2,265,374 
Total ending loans balance$324,185 $1,409,727 $286,885 $248,764 $2,269,561 

Modifications to Loans Made to Borrowers Experiencing Financial Difficulty
The Corporation may occasionally make modifications to loans where the borrower is considered to be experiencing financial difficulty, and which may require disclosure in accordance with Financial Instruments-Credit Losses (Topic 326)-Troubled Debt Restructurings and Vintage Disclosures. Types of modifications considered under ASU 2022-02 include principal reductions, interest rate reductions, term extensions, significant payment delays, or a combination thereof.

The following tables summarize the amortized cost basis of loans modified during the three and six month periods ended June 30, 2026 (in thousands):
Three Months Ended June 30, 2026
Loans modified under ASU 2022-02:Principal ReductionInterest Rate ReductionTerm ExtensionPayment DelayCombinationTotal
(%) of Loan Class (1)
Commercial and industrial$— $— $— $198 $— $198 0.06 %
Commercial real estate
Non-owner occupied commercial real estate— — — 3,549 — 3,549 0.30 %
Total$— $— $— $3,747 $— $3,747 
(1) Represents amortized cost basis of loans modified during the period as a percentage of the period-end loan balances by class.

Six Months Ended June 30, 2026
Loans modified under ASU 2022-02:Principal ReductionInterest Rate ReductionTerm ExtensionPayment DelayCombinationTotal
(%) of Loan Class (1)
Commercial and industrial$— — $130 $198 $— $328 0.10 %
Commercial real estate:
Non-owner occupied commercial real estate— — — 3,549 — 3,549 0.30 %
Total$— $— $130 $3,747 $— $3,877 
(1) Represents amortized cost basis of loans modified during the period as a percentage of the period-end loan balances by class.

There were no loan modifications to borrowers experiencing financial difficulty during the three and six month periods ended June 30, 2025.
The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the three and six month periods ended June 30, 2026 (in thousands):

Three Months Ended June 30, 2026
Effect of loan modifications under ASU 2022-02:Principal Reduction
(in thousands)		Weighted-average interest rate reduction (%)Weighted-average term extension
(in months)		Weighted-average payment delay
(in months)
Commercial and industrial$——%0 months79 months
Commercial real estate:
Non-owner occupied commercial real estate$——%0 months79 months

Six Months Ended June 30, 2026
Effect of loan modifications under ASU 2022-02:Principal Reduction
(in thousands)		Weighted-average interest rate reduction (%)Weighted-average term extension (in months)Weighted-average payment delay
(in months)
Commercial and industrial$——%36 months79 months
Commercial real estate:
Non-owner occupied commercial real estate$——%0 months79 months

There were no loans that experienced a payment default within twelve months of modification during the three and six month periods ended June 30, 2026 and 2025.

The Corporation had no outstanding commitments to lend additional amounts to borrowers for which modifications subject to ASU 2022-02 were made during the three and six month periods ended June 30, 2026 and 2025.

The Corporation monitors the performance of loans that have previously been modified under the guidance of ASU 2022-02 in order to gauge the effectiveness of modifications, and to determine the degree to which borrowers continue to demonstrate financial weakness following modification. The following tables present the performance of such loans that were modified in the twelve month periods preceding June 30, 2026 and June 30, 2025 (in thousands):

Twelve Months Ended June 30, 2026
Past Due Status of Modifications under ASU 2022-02:30-59 Days Past Due60-89 Days Past DueGreater Than 89 Days Past DueLoans Not Past Due Total
Commercial and industrial$— $— $— $329 $329 
Commercial real estate:
Non-owner occupied commercial real estate— — — 7,884 7,884 
Residential mortgages— — — 159 159 
Total$— $— $— $8,372 $8,372 
Twelve Months Ended June 30, 2025
Past Due Status of Modifications under ASU 2022-02:30-59 Days Past Due60-89 Days Past DueGreater Than 89 Days Past DueLoans Not Past Due Total
Commercial and industrial$— $— $— $351 $351 
Commercial real estate:
Owner occupied commercial real estate— — — 372 372 
Total$— $— $— $723 $723 
Collateral-Dependent Individually Analyzed Loans
As of June 30, 2026, the amortized cost basis of individually analyzed loans totaled $5.9 million, of which $3.3 million were considered collateral-dependent, and as of December 31, 2025, the amortized cost basis of individually analyzed loans totaled $4.2 million, of which $2.2 million were considered collateral-dependent. For collateral-dependent loans where the borrower is experiencing financial difficulty and repayment is likely to be substantially provided through the sale or operation of the collateral, the allowance for credit losses is measured based on the difference between the fair value of the collateral and the amortized cost basis of the loan as of the measurement date.
Certain assets held as collateral may be exposed to future deterioration in fair value, particularly due to changes in real estate markets or usage. The Corporation closely monitors trends in real estate values throughout its market area to determine whether collateral values, after appropriate discounting, are likely to be sufficient to extinguish existing borrower indebtedness.
The following table presents the amortized cost basis and related allowance for credit losses of individually analyzed loans considered to be collateral-dependent as of June 30, 2026 and December 31, 2025 (in thousands):
June 30, 2026December 31, 2025
Amortized Cost BasisRelated AllowanceAmortized Cost BasisRelated Allowance
Commercial and industrial (2)(3)(4)
$2,410 $— $50 $— 
Commercial real estate:
Owner occupied commercial real estate (1)
51 — 629 4 
Non-owner occupied commercial real estate (1)
520 210 1,167 199 
Consumer loans:
Home equity lines and loans (2)
307 — 327 — 
Total$3,288 $210 $2,173 $203 
(1) Secured by commercial real estate.
(2) Secured by residential real estate.
(3) Secured by business assets.
(4) Secured by other collateral.
The following table presents the amortized cost basis of nonaccrual loans without an associated allocation in the allowance for credit losses, total nonaccrual loans, and loans past due greater than 90 days and still accruing, by class of loan as of June 30, 2026 and December 31, 2025 (in thousands):

Nonaccrual with No Allowance for Credit LossesNonaccrualLoans Past Due 90 Days or More and Still Accruing
June 30, 2026December 31, 2025June 30, 2026December 31, 2025June 30, 2026December 31, 2025
Commercial and industrial$2,496 $136 $3,159 $779 $— $17 
Commercial real estate:
Construction— — — — — — 
Owner occupied
commercial real estate		51 625 51 629 — — 
Non-owner occupied commercial real estate16 23 2,513 2,538 — — 
Residential mortgages1,342 1,753 1,342 1,753 — — 
Consumer loans:
Home equity lines and loans979 1,005 979 1,005 — — 
Indirect consumer loans1,038 1,117 1,038 1,117 — — 
Direct consumer loans78 87 78 87 — — 
Total$6,000 $4,746 $9,160 $7,908 $— $17 

There was an immaterial amount of interest income recognized on nonaccrual loans for the three and six month periods ended June 30, 2026 and 2025. Payments received on nonaccrual loans are generally applied to principal using the cost recovery method.

The following tables present the aging of the amortized cost basis of loans as of June 30, 2026 and December 31, 2025 (in thousands):
June 30, 2026
30 - 59 Days Past Due60 - 89 Days Past Due90 Days or More Past DueTotal Past DueLoans Not Past DueTotal
Commercial and industrial$— $175 $86 $261 $328,104 $328,365 
Commercial real estate:
Construction— — — — 131,885 131,885 
Owner occupied
commercial real estate		756 — — 756 182,949 183,705 
Non-owner occupied
commercial real estate		377 — 520 897 1,200,899 1,201,796 
Residential mortgages3,218 1,414 836 5,468 281,407 286,875 
Consumer loans:
Home equity lines and loans229 711 330 1,270 114,358 115,628 
Indirect consumer loans1,544 352 324 2,220 110,547 112,767 
Direct consumer loans31 18 3 52 6,078 6,130 
Total$6,155 $2,670 $2,099 $10,924 $2,356,227 $2,367,151 
December 31, 2025
30 - 59 Days Past Due60 - 89 Days Past Due90 Days or More Past DueTotal Past DueLoans Not Past DueTotal
Commercial and industrial$817 $55 $36 $908 $323,277 $324,185 
Commercial real estate:
Construction— — — — 120,418 120,418 
Owner occupied
commercial real estate		105 — 96 201 178,419 178,620 
Non-owner occupied
commercial real estate		— — 2,538 2,538 1,108,151 1,110,689 
Residential mortgages1,277 693 901 2,871 284,014 286,885 
Consumer loans:
Home equity lines and loans747 26 249 1,022 108,701 109,723 
Indirect consumer loans2,312 656 616 3,584 129,115 132,699 
Direct consumer loans23 16 5 44 6,298 6,342 
Total$5,281 $1,446 $4,441 $11,168 $2,258,393 $2,269,561 








Credit Quality Indicators

The Corporation establishes a risk rating at origination for all commercial loans. The primary factors considered in assigning risk ratings include, but are not limited to, historic and future debt service coverage, collateral position, operating performance, liquidity, leverage, payment history, management ability, and the customer’s industry. Commercial relationship managers monitor all loans in their respective portfolios for any changes in the borrower’s ability to service its debt and affirm the risk ratings for the loans at least annually.

For retail loans, which include residential mortgages, indirect and direct consumer loans, and home equity lines and loans, once a loan is properly approved and closed, the Corporation evaluates credit quality based upon loan repayment. Retail loans that have been modified subject to ASU 2022-02, but are otherwise performing, are assigned a risk rating of Special Mention, as defined below. Retail loans are not rated until they become 90 days past due, or are modified under ASU 2022-02.

The Corporation uses the risk rating system to identify criticized and classified loans. Commercial relationships within the criticized and classified risk ratings are analyzed quarterly.  The Corporation uses the following definitions for criticized and classified loans (which are consistent with regulatory guidelines):

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 the institution’s credit position at some future date.

Substandard – Loans classified as substandard are inadequately protected by the current net worth and paying capability of the obligor or of the collateral pledged, if any.  Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful – Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Commercial loans not meeting the criteria above to be considered criticized or classified are considered to be pass rated loans. Loans listed as not rated are included in groups of homogeneous loans performing under the terms of the loan notes.
Based on the analyses performed as of June 30, 2026, the amortized cost basis of loans by class, risk category, and vintage, as well as gross charge-offs by class and vintage for the six month period ended June 30, 2026, were as follows (in thousands):
Term Loans Amortized Cost by Origination YearRevolving Loans Amortized CostRevolving Loans Converted to TermTotal
20262025202420232022Prior
Commercial and industrial
Pass$18,513 $46,855 $18,377 $20,073 $23,330 $29,493 $145,798 $2,305 $304,744 
Special mention— 1,278 23 505 2,116 1,291 11,007 3,622 19,842 
Substandard — — 209 — — 34 418 2,415 3,076 
Doubtful— — — — — 532 101 70 703 
Total18,513 48,133 18,609 20,578 25,446 31,350 157,324 8,412 328,365 
Gross charge-offs — — — — — 1 — — 1 
Construction
Pass26,099 56,301 18,627 27,506 1,060 1,212 1,080 — 131,885 
Special mention— — — — — — — — — 
Substandard— — — — — — — — — 
Doubtful— — — — — — — — — 
Total26,099 56,301 18,627 27,506 1,060 1,212 1,080 — 131,885 
Gross charge-offs— — — — — — — — — 
Owner occupied commercial real estate
Pass 13,032 48,539 22,335 19,226 22,362 40,871 732 31 167,128 
Special mention— — — 2,105 1,617 8,255 2,995 — 14,972 
Substandard— 1,196 — — — 409 — — 1,605 
Doubtful— — — — — — — — — 
Total13,032 49,735 22,335 21,331 23,979 49,535 3,727 31 183,705 
Gross charge-offs— — — — — — — — — 
Non-owner occupied commercial real estate
Pass95,125 162,847 102,405 99,937 252,875 389,364 10,134 705 1,113,392 
Special mention— 1,050 947 15,203 19,442 49,074 — — 85,716 
Substandard— 1,993 — — — 192 — — 2,185 
Doubtful— — — 503 — — — — 503 
Total95,125 165,890 103,352 115,643 272,317 438,630 10,134 705 1,201,796 
Gross charge-offs— — — 310 — — — — 310 
Residential mortgages
Not rated13,992 40,886 21,670 16,573 48,760 143,043 — — 284,924 
Special mention— — — — — 425 — — 425 
Substandard — — — 69 223 1,234 — — 1,526 
Total 13,992 40,886 21,670 16,642 48,983 144,702 — — 286,875 
Gross charge-offs— — — — — 8 — — 8 
Home equity lines and loans
Not rated4,306 7,229 10,093 7,478 9,520 12,767 61,940 1,316 114,649 
Special mention— — — — — — — — — 
Substandard — — 62 78 262 160 15 402 979 
Total4,306 7,229 10,155 7,556 9,782 12,927 61,955 1,718 115,628 
Gross charge-offs— — — — — 3 — — 3 
Indirect consumer
Not rated11,673 20,228 21,157 25,515 28,240 4,843 — — 111,656 
Substandard — 150 326 360 207 68 — — 1,111 
Total11,673 20,378 21,483 25,875 28,447 4,911 — — 112,767 
Gross charge-offs— 91 296 173 156 27 — — 743 
Direct consumer
Not rated1,064 1,192 945 442 258 147 2,056 13 6,117 
Substandard— — — 3 — — 10 — 13 
Total 1,064 1,192 945 445 258 147 2,066 13 6,130 
Gross charge-offs— 11 15 6 4 1 — 1 38 
Total loans $183,804 $389,744 $217,176 $235,576 $410,272 $683,414 $236,286 $10,879 $2,367,151 
Total gross charge-offs$— $102 $311 $489 $160 $40 $— $1 $1,103 
Based on the analyses performed as of December 31, 2025, the amortized cost basis of loans by class, risk category, and vintage, as well as gross charge-offs by class and vintage for the year ended December 31, 2025, were as follows (in thousands):
Term Loans Amortized Cost by Origination YearRevolving Loans Amortized CostRevolving Loans Converted to TermTotal
20252024202320222021Prior
Commercial and industrial
Pass$52,419 $25,663 $22,131 $25,382 $11,367 $15,765 $135,641 $2,726 $291,094 
Special mention1,616 31 496 2,163 1,412 6,852 13,139 3,631 29,340 
Substandard — 317 13 — 42 — 2,645 75 3,092 
Doubtful— — — — — 584 — 75 659 
Total54,035 26,011 22,640 27,545 12,821 23,201 151,425 6,507 324,185 
Gross charge-offs — 19 — — 772 — 6 — 797 
Construction
Pass38,266 29,670 33,259 14,754 1,213 1,323 1,933 — 120,418 
Special mention— — — — — — — — — 
Substandard— — — — — — — — — 
Doubtful— — — — — — — — — 
Total38,266 29,670 33,259 14,754 1,213 1,323 1,933 — 120,418 
Gross charge-offs— — — — — — — — — 
Owner occupied commercial real estate
Pass 48,350 23,186 17,531 23,050 12,966 31,441 590 39 157,153 
Special mention— — 4,681 1,646 6,912 3,567 2,000 — 18,806 
Substandard1,207 — 96 468 — 886 — — 2,657 
Doubtful— — — — — 4 — — 4 
Total49,557 23,186 22,308 25,164 19,878 35,898 2,590 39 178,620 
Gross charge-offs— — — — — — — — — 
Non-owner occupied commercial real estate
Pass162,357 102,759 99,585 242,886 133,385 279,901 9,102 726 1,030,701 
Special mention— — 15,301 18,852 13,006 27,806 — — 74,965 
Substandard2,039 — 2,515 — — 469 — — 5,023 
Doubtful— — — — — — — — — 
Total164,396 102,759 117,401 261,738 146,391 308,176 9,102 726 1,110,689 
Gross charge-offs— — — — — 6 — — 6 
Residential mortgages
Not rated38,892 24,307 17,590 50,866 50,380 102,421 — — 284,456 
Special mention— — — — 426 — — — 426 
Substandard — — 69 295 309 1,330 — — 2,003 
Total 38,892 24,307 17,659 51,161 51,115 103,751 — — 286,885 
Gross charge-offs— — — — — — — — — 
Home equity lines and loans
Not rated7,882 12,004 8,849 11,138 4,113 10,124 53,219 1,275 108,604 
Special mention— — — 114 — — — — 114 
Substandard — — 22 207 — 192 112 472 1,005 
Total7,882 12,004 8,871 11,459 4,113 10,316 53,331 1,747 109,723 
Gross charge-offs— — — — — — — — — 
Indirect consumer
Not rated23,872 26,326 33,271 39,644 6,197 2,207 — — 131,517 
Substandard 82 395 386 249 26 44 — — 1,182 
Total23,954 26,721 33,657 39,893 6,223 2,251 — — 132,699 
Gross charge-offs12 345 641 358 121 78 — — 1,555 
Direct consumer
Not rated1,591 1,339 750 460 60 154 1,969 4 6,327 
Substandard2 — — 3 — — 10 — 15 
Total 1,593 1,339 750 463 60 154 1,979 4 6,342 
Gross charge-offs12 27 23 12 3 — 21 — 98 
Total loans $378,575 $245,997 $256,545 $432,177 $241,814 $485,070 $220,360 $9,023 $2,269,561 
Total gross charge-offs$24 $391 $664 $370 $896 $84 $27 $— $2,456