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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
 3 Months Ended
Mar. 31, 2026
Receivables [Abstract]  
Summary of Loan Portfolio, Excluding Residential Loans Held for Sale, Broken Out by Classes
The following table presents the loan portfolio by segment and class, excluding residential LHFS, at March 31, 2026 and December 31, 2025:
March 31, 2026December 31, 2025
Commercial real estate:
Owner occupied$645,026 $644,713 
Non-owner occupied1,322,251 1,260,198 
Multi-family216,658 236,703 
Non-owner occupied residential151,560 155,749 
Acquisition and development:
1-4 family residential construction46,355 41,489 
Commercial and land development198,957 198,234 
Agricultural114,409 121,417 
Commercial and industrial481,815 489,371 
Municipal27,744 25,302 
Residential mortgage:
First lien484,022 478,870 
Home equity - term5,685 5,972 
Home equity - lines of credit327,141 321,438 
Other - term(1)
22,442 22,906 
Installment and other loans17,254 18,331 
Total loans $4,061,319 $4,020,693 
(1) Other - term includes PACE loans with unearned income of $449 thousand and $505 thousand at March 31, 2026 and December 31, 2025, respectively.
Summary of Amortized Cost of the Loan Portfolio, by Year of Origination, Loan Class, and Credit Quality
The following table presents the amortized cost basis of the loan portfolio, by year of origination, loan class, and credit quality, as of March 31, 2026 and December 31, 2025. For residential and consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan and payment activity. Residential mortgage, installment and other consumer loans are presented below based on payment performance: performing or nonperforming. Nonperforming includes substandard - individually evaluated loans.
Term Loans Amortized Cost Basis by Origination Year
As of March 31, 2026
20262025202420232022PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Commercial Real Estate:
Owner-occupied:
Risk rating
Pass$14,653 $98,653 $45,482 $83,037 $100,981 $236,424 $10,807 $3,622 $593,659 
Special mention— — 11,694 5,179 — 15,532 1,342 — 33,747 
Substandard - Non-IEL— — 719 1,485 4,364 6,195 1,337 70 14,170 
Substandard - IEL— — — 643 800 2,007 — — 3,450 
Total owner-occupied loans$14,653 $98,653 $57,895 $90,344 $106,145 $260,158 $13,486 $3,692 $645,026 
Current period gross charge offs - owner-occupied$— $— $— $— $— $— $— $— $— 
Non-owner occupied:
Risk rating
Pass$98,893 $164,480 $89,017 $126,145 $186,293 $622,613 $9,773 $997 $1,298,211 
Special mention— — — 10,042 3,006 9,709 — — 22,757 
Substandard - Non-IEL— — — — 880 — — — 880 
Substandard - IEL— — — 135 139 129 — — 403 
Total non-owner occupied loans$98,893 $164,480 $89,017 $136,322 $190,318 $632,451 $9,773 $997 $1,322,251 
Current period gross charge offs - non-owner occupied$— $— $— $— $— $— $— $— $— 
Multi-family:
Risk rating
Pass$3,023 $14,139 $9,223 $6,767 $76,915 $95,866 $1,001 $47 $206,981 
Special mention— — — — 8,800 747 — — 9,547 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — 130 — — — 130 
Total multi-family loans$3,023 $14,139 $9,223 $6,767 $85,845 $96,613 $1,001 $47 $216,658 
Current period gross charge offs - multi-family$— $— $— $— $— $— $— $— $— 
Non-owner occupied residential:
Risk rating
Pass$2,535 $10,717 $8,844 $17,013 $25,575 $79,809 $92 $244 $144,829 
Special mention— — — — 39 1,945 — 38 2,022 
Substandard - Non-IEL— — — 127 558 3,525 — 98 4,308 
Substandard - IEL— — — — 193 208 — — 401 
Total non-owner occupied residential loans$2,535 $10,717 $8,844 $17,140 $26,365 $85,487 $92 $380 $151,560 
Current period gross charge offs - non-owner occupied residential$— $— $— $— $37 $— $— $— $37 
continued
Term Loans Amortized Cost Basis by Origination Year
As of March 31, 2026
20262025202420232022PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Acquisition and development:
1-4 family residential construction:
Risk rating
Pass$4,082 $33,460 $2,737 $4,747 $411 $918 $— $— $46,355 
Special mention— — — — — — — — — 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — — — — — — 
Total 1-4 family residential construction loans$4,082 $33,460 $2,737 $4,747 $411 $918 $— $— $46,355 
Current period gross charge offs - 1-4 family residential construction$— $— $— $— $— $— $— $— $— 
Commercial and land development:
Risk rating
Pass$2,676 $31,550 $55,734 $23,169 $56,015 $7,791 $9,675 $— $186,610 
Special mention— — — — — — — — — 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — 89 4,431 7,443 384 — — 12,347 
Total commercial and land development loans$2,676 $31,550 $55,823 $27,600 $63,458 $8,175 $9,675 $— $198,957 
Current period gross charge offs - commercial and land development$— $— $— $— $85 $— $— $— $85 
Agricultural
Risk rating
Pass$5,699 $12,161 $8,485 $11,827 $19,178 $38,861 $14,947 $1,423 $112,581 
Special mention— — — — — 1,273 98 — 1,371 
Substandard - Non-IEL— — 67 20 18 196 148 — 449 
Substandard - IEL— — — — 8 — — — 8 
Total agricultural loans$5,699 $12,161 $8,552 $11,847 $19,204 $40,330 $15,193 $1,423 $114,409 
Current period gross charge offs - agricultural$— $— $— $— $— $— $— $— $— 
Commercial and Industrial:
Risk rating
Pass$14,110 $65,462 $78,382 $28,464 $36,308 $60,971 $143,123 $4,059 $430,879 
Special mention— 8,047 7,204 8,553 253 1,077 14,344 154 39,632 
Substandard - Non-IEL— — 10 1,006 90 61 5,179 1,203 7,549 
Substandard - IEL— — 282 201 203 1,199 33 1,837 3,755 
Total commercial and industrial loans$14,110 $73,509 $85,878 $38,224 $36,854 $63,308 $162,679 $7,253 $481,815 
Current period gross charge offs - commercial and industrial$— $— $— $— $— $677 $122 $— $799 
Municipal:
Risk rating
Pass$3,008 $1 $52 $— $8,811 $14,496 $— $— $26,368 
Special mention— — — — — 1,376 — — 1,376 
Total municipal loans$3,008 $1 $52 $— $8,811 $15,872 $— $— $27,744 
Current period gross charge offs - municipal$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of March 31, 2026
20262025202420232022PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Residential mortgage:
First lien:
Payment performance
Performing$15,705 $72,561 $53,828 $87,146 $90,739 $157,683 $— $— $477,662 
Nonperforming— — 625 1,034 471 4,230 — — 6,360 
Total first lien loans$15,705 $72,561 $54,453 $88,180 $91,210 $161,913 $— $— $484,022 
Current period gross charge offs - first lien$— $— $— $— $— $— $— $— $— 
Home equity - term:
Payment performance
Performing$204 $692 $326 $584 $872 $2,871 $— $— $5,549 
Nonperforming— 78 — — — 58 — — 136 
Total home equity - term loans$204 $770 $326 $584 $872 $2,929 $— $— $5,685 
Current period gross charge offs - home equity - term$— $— $— $— $— $— $— $— $— 
Home equity - lines of credit:
Payment performance
Performing$— $— $— $— $— $— $233,882 $90,067 $323,949 
Nonperforming— — — — — — 1,419 1,773 3,192 
Total residential real estate - home equity - lines of credit loans$— $— $— $— $— $— $235,301 $91,840 $327,141 
Current period gross charge offs - home equity - lines of credit$— $— $— $— $— $— $— $— $— 
Other - term:
Payment performance
Performing$— $— $22,442 $— $— $— $— $— $22,442 
Nonperforming— — — — — — — — — 
Total other - term loans$— $— $22,442 $— $— $— $— $— $22,442 
Current period gross charge offs - other - term$— $— $— $— $— $— $— $— $— 
Installment and other loans:
Payment performance
Performing$582 $490 $932 $1,169 $902 $390 $12,782 $6 $17,253 
Nonperforming— — — 1 — — — — 1 
Total Installment and other loans$582 $490 $932 $1,170 $902 $390 $12,782 $6 $17,254 
Current period gross charge offs - installment and other$— $91 $2 $— $— $— $4 $— $97 
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Commercial Real Estate:
Owner-occupied:
Risk rating
Pass$96,640 $46,784 $88,930 $103,934 $90,037 $152,232 $13,102 $3,642 $595,301 
Special mention— 10,810 1,713 — 6,721 8,927 93 — 28,264 
Substandard - Non-IEL— 723 1,499 4,411 3,837 3,822 1,658 70 16,020 
Substandard - IEL— — 643 821 974 2,690 — — 5,128 
Total owner-occupied loans$96,640 $58,317 $92,785 $109,166 $101,569 $167,671 $14,853 $3,712 $644,713 
Current period gross charge offs - owner-occupied$— $— $— $337 $— $3 $— $— $340 
Non-owner occupied:
Risk rating
Pass$174,958 $92,343 $126,924 $188,935 $305,539 $338,309 $9,044 $— $1,236,052 
Special mention— — 10,053 3,002 — 9,763 — — 22,818 
Substandard - Non-IEL— — — 883 — — — — 883 
Substandard - IEL— — 139 143 163 — — — 445 
Total non-owner occupied loans$174,958 $92,343 $137,116 $192,963 $305,702 $348,072 $9,044 $— $1,260,198 
Current period gross charge offs - non-owner occupied$— $— $— $— $— $— $— $— $— 
Multi-family:
Risk rating
Pass$15,347 $9,283 $6,800 $77,290 $45,263 $71,549 $860 $672 $227,064 
Special mention— — — 8,751 755 — — — 9,506 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — 133 — — — — 133 
Total multi-family loans$15,347 $9,283 $6,800 $86,174 $46,018 $71,549 $860 $672 $236,703 
Current period gross charge offs - multi-family$— $— $— $— $— $— $— $— $— 
Non-owner occupied residential:
Risk rating
Pass$9,829 $9,460 $17,833 $26,227 $24,378 $59,928 $479 $146 $148,280 
Special mention— 487 — 39 763 1,243 — 38 2,570 
Substandard - Non-IEL— — 128 561 2,445 1,210 — 100 4,444 
Substandard - IEL— — — 236 121 98 — — 455 
Total non-owner occupied residential loans$9,829 $9,947 $17,961 $27,063 $27,707 $62,479 $479 $284 $155,749 
Current period gross charge offs - non-owner occupied residential$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Acquisition and development:
1-4 family residential construction:
Risk rating
Pass$32,602 $5,145 $2,408 $411 $923 $— $— $— $41,489 
Special mention— — — — — — — — — 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — — — — — — 
Total 1-4 family residential construction loans$32,602 $5,145 $2,408 $411 $923 $— $— $— $41,489 
Current period gross charge offs - 1-4 family residential construction$— $— $— $— $— $— $— $— $— 
Commercial and land development:
Risk rating
Pass$29,243 $53,272 $27,951 $57,777 $5,319 $3,213 $9,049 $— $185,824 
Special mention— — 4,166 — — — — — 4,166 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — 275 7,639 330 — — — 8,244 
Total commercial and land development loans$29,243 $53,272 $32,392 $65,416 $5,649 $3,213 $9,049 $— $198,234 
Current period gross charge offs - commercial and land development$— $— $— $— $— $— $— $— $— 
Agricultural
Risk rating
Pass$12,698 $8,621 $12,006 $19,421 $17,013 $25,466 $15,533 $723 $111,481 
Special mention— 1,491 1,670 1,240 1,120 3,878 98 — 9,497 
Substandard - Non-IEL— 74 — 9 199 — 148 — 430 
Substandard - IEL— — — 9 — — — — 9 
Total agricultural loans$12,698 $10,186 $13,676 $20,679 $18,332 $29,344 $15,779 $723 $121,417 
Current period gross charge offs - agricultural$— $— $— $— $25 $6 $— $— $31 
Commercial and Industrial:
Risk rating
Pass$76,830 $80,815 $36,440 $45,357 $40,702 $20,836 $137,914 $8,209 $447,103 
Special mention87 6,999 8,285 263 792 344 12,466 834 30,070 
Substandard - Non-IEL— 12 1,152 99 906 18 5,975 176 8,338 
Substandard - IEL— 321 227 233 179 912 — 1,988 3,860 
Total commercial and industrial loans$76,917 $88,147 $46,104 $45,952 $42,579 $22,110 $156,355 $11,207 $489,371 
Current period gross charge offs - commercial and industrial$— $— $406 $175 $56 $100 $499 $— $1,236 
Municipal:
Risk rating
Pass$— $55 $— $9,012 $2,841 $11,991 $— $— $23,899 
Special mention— — — — — 1,403 — — 1,403 
Total municipal loans$— $55 $— $9,012 $2,841 $13,394 $— $— $25,302 
Current period gross charge offs - municipal$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Residential mortgage:
First lien:
Payment performance
Performing$74,268 $54,459 $89,440 $92,611 $46,907 $114,926 $— $— $472,611 
Nonperforming— 626 1,060 176 134 4,263 — — 6,259 
Total first lien loans$74,268 $55,085 $90,500 $92,787 $47,041 $119,189 $— $— $478,870 
Current period gross charge offs - first lien$— $51 $— $— $27 $10 $— $— $88 
Home equity - term:
Payment performance
Performing$1,015 $319 $576 $894 $172 $2,814 $— $— $5,790 
Nonperforming87 — — — — 95 — — 182 
Total home equity - term loans$1,102 $319 $576 $894 $172 $2,909 $— $— $5,972 
Current period gross charge offs - home equity - term$— $— $— $36 $— $— $— $— $36 
Home equity - lines of credit:
Payment performance
Performing$— $— $— $— $— $— $223,787 $94,178 $317,965 
Nonperforming— — — — — — 25 3,448 3,473 
Total residential real estate - home equity - lines of credit loans$— $— $— $— $— $— $223,812 $97,626 $321,438 
Current period gross charge offs - home equity - lines of credit$— $— $— $— $— $23 $— $— $23 
Other - term:
Payment performance
Performing$— $22,906 $— $— $— $— $— $— $22,906 
Nonperforming— — — — — — — — — 
Total other - term loans$— $22,906 $— $— $— $— $— $— $22,906 
Current period gross charge offs - other - term$— $— $— $— $— $— $— $— $— 
Installment and other loans:
Payment performance
Performing$1,186 $1,052 $1,425 $1,153 $345 $213 $12,930 $25 $18,329 
Nonperforming— — 2 — — — — — 2 
Total Installment and other loans$1,186 $1,052 $1,427 $1,153 $345 $213 $12,930 $25 $18,331 
Current period gross charge offs - installment and other$453 $234 $6 $8 $4 $15 $74 $— $794 
Summary of Amortized Cost of Nonaccrual Loans by Class, With and Without Loan Reserves
The following table presents the amortized cost basis of nonaccrual loans, according to loan class, with and without reserves on individually evaluated loans as of March 31, 2026 and December 31, 2025. The Company did not recognize interest income on nonaccrual loans during the three months ended March 31, 2026 and 2025.
March 31, 2026December 31, 2025
Nonaccrual loans with a related ACLNonaccrual loans with no related ACLTotal nonaccrual loansLoans Past Due 90+ AccruingNonaccrual loans with a related ACLNonaccrual loans with no related ACLTotal nonaccrual loansLoans Past Due 90+ Accruing
Commercial real estate:
Owner-occupied$227 $3,223 $3,450 $— $227 $4,901 $5,128 $68 
Non-owner occupied— 403 403 — — 445 445 — 
Multi-family— 130 130 — 133 — 133 — 
Non-owner occupied residential— 401 401 — — 455 455 — 
Acquisition and development:
Commercial and land development2,921 9,426 12,347 — 3,005 5,239 8,244 — 
Agricultural— 8 8 — — 9 9 — 
Commercial and industrial1,081 2,674 3,755 — 1,197 2,663 3,860 — 
Residential mortgage:
First lien— 6,202 6,202 95 — 6,100 6,100 431 
Home equity – term— 136 136 — — 182 182 — 
Home equity – lines of credit— 3,192 3,192 — — 3,473 3,473 190 
Other - term— — — 345 — — — 346 
Installment and other loans1 — 1 3 2 — 2 5 
Total$4,230 $25,795 $30,025 $443 $4,564 $23,467 $28,031 $1,040 
Summary of Amortized Cost Basis of Collateral Dependent Loans
The following table presents the amortized cost basis of collateral-dependent individually evaluated loans by class as of March 31, 2026 and December 31, 2025:
Type of Collateral
March 31, 2026Business AssetsCommercial Real EstateEquipmentLandResidential Real EstateOtherTotal
Commercial real estate:
Owner occupied$— $3,450 $— $— $— $— $3,450 
Non-owner occupied— 403 — — — — 403 
Multi-family— 130 — — — — 130 
Non-owner occupied residential— 401 — — — — 401 
Acquisition and development:
Commercial and land development— 11,858 — 489 — — 12,347 
Agricultural— — 8 — — — 8 
Commercial and industrial2,945 — 817 — — — 3,762 
Residential mortgage:
First lien— — — — 6,021 — 6,021 
Home equity - term— — — — 136 — 136 
Home equity - lines of credit— — — — 3,192 — 3,192 
Installment and other loans— — 1 — — — 1 
Total$2,945 $16,242 $826 $489 $9,349 $— $29,851 
December 31, 2025
Commercial real estate:
Owner occupied$— $5,128 $— $— $— $— $5,128 
Non-owner occupied— 445 — — — — 445 
Multi-family— 133 — — — — 133 
Non-owner occupied residential— 455 — — — — 455 
Acquisition and development:
Commercial and land development— 7,897 — 347 — — 8,244 
Agricultural— — 9 — — — 9 
Commercial and industrial2,921 — 945 — — — 3,866 
Residential mortgage:
First lien— — — — 5,914 — 5,914 
Home equity - term— — — — 182 — 182 
Home equity - lines of credit— — — — 3,473 — 3,473 
Installment and other loans— — 2 — — — 2 
Total$2,921 $14,058 $956 $347 $9,569 $— $27,851 
Summary of Loans Modified by Class and Type of Modification and Effectiveness of Modifications
The following table presents the amortized cost of loans that were both experiencing financial difficulty and modified during the three months ended March 31, 2025, by loan class and by type of modification. The percentage of the amortized cost of loans that were modified to borrowers experiencing difficulty as compared to the amortized cost of loan class is also presented below.
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate ReductionCombination Term Extension and Principal ForgivenessCombination Term Extension and Interest Rate ReductionsTotal Class of Financing Receivable
March 31, 2025
Commercial real estate:
Owner-occupied$— $— $8 $— $— $— — %
Acquisition and development:
Commercial and land development— — 5,016 — — — 2.21 %
Total:$— $— $5,024 $— $— $— 
The Company monitors the performance of the modified loans to borrowers experiencing financial difficulty to determine the effectiveness of its modification efforts. At March 31, 2026, modified loans to borrowers experiencing financial difficulty that had a payment default in the twelve months following the modification totaled $4.6 million, which included commercial and land development loans with modified term extensions with an amortized cost of $4.5 million and an owner-occupied commercial real estate loan with a combination of a modified term extension and interest rate reduction with an amortized cost of $82 thousand. At March 31, 2025, modified loans to borrowers experiencing financial difficulty that had a payment default in the twelve months following the modification included a commercial and industrial loan with an extension modification with an amortized cost of $44 thousand.
The following table presents the performance of the loans modified during the three months ended March 31, 2025, which includes loans that remain on nonaccrual status:
Current30-59 Days Past Due60-89 Days Past Due90 Days or More Past DueTotalNon-Accrual
March 31, 2025
Commercial real estate:
Owner-occupied$— $— $— $— $— $8 
Acquisition and development:
Commercial and land development4,747 — — — 4,747 269 
Total:4,747 — — — 4,747 277 
The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the three months ended March 31, 2025:
Principal ForgivenessWeighted Average Interest Rate ReductionWeighted Average Term Extension (in years)
Three Months Ended
March 31, 2025
Commercial real estate:
Owner-occupied$— — %0.3
Acquisition and development:
Commercial and land development$— — %0.5
Summary of Loan Portfolio Summarized by Aging Categories of Performing Loans and Nonaccrual Loans The following table presents the classes of the loan portfolio summarized by aging categories at March 31, 2026 and December 31, 2025:
30-59 Days Past Due60-89 Days Past Due90+ Days Past DueTotal
Past Due		Loans Not Past DueTotal
Loans
March 31, 2026
Commercial real estate:
Owner occupied$2,740 $308 $870 $3,918 $641,108 $645,026 
Non-owner occupied135 117 — 252 1,321,999 1,322,251 
Multi-family— 66 130 196 216,462 216,658 
Non-owner occupied residential1,193 147 78 1,418 150,142 151,560 
Acquisition and development:
1-4 family residential construction— — — — 46,355 46,355 
Commercial and land development4,166 — 3,393 7,559 191,398 198,957 
Agricultural178 22 — 200 114,209 114,409 
Commercial and industrial452 140 1,055 1,647 480,168 481,815 
Municipal— — — — 27,744 27,744 
Residential mortgage:
First lien9,981 1,693 2,417 14,091 469,931 484,022 
Home equity - term69 — 8 77 5,608 5,685 
Home equity - lines of credit1,026 850 850 2,726 324,415 327,141 
Other - term— — 345 345 22,097 22,442 
Installment and other loans746 12 3 761 16,493 17,254 
$20,686 $3,355 $9,149 $33,190 $4,028,129 $4,061,319 
December 31, 2025
Commercial real estate:
Owner occupied$1,066 $148 $1,770 $2,984 $641,729 $644,713 
Non-owner occupied462 792 — 1,254 1,258,944 1,260,198 
Multi-family100 — 133 233 236,470 236,703 
Non-owner occupied residential98 24 115 237 155,512 155,749 
Acquisition and development:
1-4 family residential construction— — — — 41,489 41,489 
Commercial and land development— 151 7,969 8,120 190,114 198,234 
Agricultural807 — — 807 120,610 121,417 
Commercial and industrial1,614 155 1,139 2,908 486,463 489,371 
Municipal— — — — 25,302 25,302 
Residential mortgage:
First lien9,264 3,158 4,085 16,507 462,363 478,870 
Home equity - term53 55 128 236 5,736 5,972 
Home equity - lines of credit2,101 491 2,715 5,307 316,131 321,438 
Other - term— — 346 346 22,560 22,906 
Installment and other loans28 13 5 46 18,285 18,331 
$15,593 $4,987 $18,405 $38,985 $3,981,708 $4,020,693 
Summary of Activity in the ALL and Ending Loan Balances Individually Evaluated for Impairment Based on Loan Segment
The following table presents the activity in the ACL for the three months ended March 31, 2026 and 2025:
CommercialConsumer
Commercial
Real Estate		Acquisition
and
Development		AgriculturalCommercial
and
Industrial		MunicipalTotalResidential
Mortgage		Installment
and Other		TotalTotal
Three Months Ended
March 31, 2026
Balance, beginning of period$25,552 $6,179 $127 $7,114 $328 $39,300 $7,708 $673 $8,381 $47,681 
Provision for credit losses487 (157)85 (94)(4)317 500 (89)411 728 
Charge-offs(37)(85)— (799)— (921)— (97)(97)(1,018)
Recoveries16 — — 26 — 42 8 22 30 72 
Balance, end of period$26,018 $5,937 $212 $6,247 $324 $38,738 $8,216 $509 $8,725 $47,463 
March 31, 2025
Balance, beginning of period$29,551 $6,601 $110 $6,190 $320 $42,772 $5,240 $677 $5,917 $48,689 
Provision for credit losses(3,587)(452)78 1,236 107 (2,618)1,998 66 2,064 (554)
Charge-offs(75)— (25)(517)— (617)— (276)(276)(893)
Recoveries4 1 — 453 — 458 74 30 104 562 
Balance, end of period$25,893 $6,150 $163 $7,362 $427 $39,995 $7,312 $497 $7,809 $47,804