NOTE 3 - LOANS/LEASES RECEIVABLE

9 Months Ended

Sep. 30, 2026

LOANS/LEASES RECEIVABLE

LOANS/LEASES RECEIVABLE

NOTE 3 – LOANS/LEASES RECEIVABLE

The composition of the loan/lease portfolio as of September 30, 2026 and December 31, 2025 is presented as follows:

	September 30, 2026		December 31, 2025
	(dollars in thousands)
C&I:
C&I - revolving	$	450,232	$	384,656
C&I - other *		1,183,267		1,318,866
		1,633,499		1,703,522
CRE - owner occupied		607,424		577,352
CRE - non-owner occupied		927,205		1,036,655
Construction and land development		1,203,467		1,308,422
Multi-family		2,040,593		1,769,331
Direct financing leases**		5,610		9,533
1-4 family real estate***		614,717		603,683
Consumer		167,388		158,457
		7,199,903		7,166,955
Allowance for credit losses		(88,424)		(90,127)
	$	7,111,479	$	7,076,828
Direct financing leases:
Net minimum lease payments to be received	$	5,937	$	10,076
Estimated unguaranteed residual values of leased assets		—		165
Unearned lease/residual income		(327)		(708)
		5,610		9,533
Less allowance for credit losses		(191)		(311)
	$	5,419	$	9,222

*      Includes equipment financing agreements outstanding through m2, totaling $106.8 million and $178.1 million as of September 30, 2026 and December 31, 2025, respectively.

**     Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal.

***  Includes residential real estate loans held for sale totaling $2.4 million and $1.4 million as of September 30, 2026 and December 31, 2025, respectively.

Accrued interest on loans, which is excluded from the amortized cost of loans, totaled $30.4 million and $32.8 million at September 30, 2026 and December 31, 2025, respectively, and was included in Other Assets on the consolidated balance sheets.

The aging of the loan/lease portfolio by classes of loans/leases as of September 30, 2026 and December 31, 2025 is presented as follows and all loans held for sale are current:

	As of September 30, 2026
										Accruing Past
				30-59 Days			60-89 Days			Due 90 Days or			Nonaccrual
Classes of Loans/Leases	Current			Past Due			Past Due			More			Loans/Leases			Total
	(dollars in thousands)
C&I:
C&I - revolving	$	449,428		$	—		$	—		$	—		$	804	$		450,232
C&I - other		1,157,016			2,659			618			21			22,953			1,183,267
CRE - owner occupied		605,350			270			—			—			1,804			607,424
CRE - non-owner occupied		927,205			—			—			—			—			927,205
Construction and land development		1,199,349			—			—			—			4,118			1,203,467
Multi-family		2,038,260			—			—			—			2,333			2,040,593
Direct financing leases		5,558			—			—			—			52			5,610
1-4 family real estate		609,650			125			999			—			3,943			614,717
Consumer		166,767			328			50			—			243			167,388
	$	7,158,583		$	3,382		$	1,667		$	21		$	36,250		$	7,199,903
As a percentage of total loan/lease portfolio		99.43	%		0.05	%		0.02	%		0.00	%		0.50	%		100.00	%

	As of December 31, 2025
										Accruing Past
				30-59 Days			60-89 Days			Due 90 Days or			Nonaccrual
Classes of Loans/Leases	Current			Past Due			Past Due			More			Loans/Leases			Total
	(dollars in thousands)
C&I
C&I - revolving	$	363,820		$	19,972		$	—		$	—		$	864	$		384,656
C&I - other		1,284,558			3,755			1,915			3			28,635			1,318,866
CRE - owner occupied		575,669			1,277			—			—			406			577,352
CRE - non-owner occupied		1,033,991			—			—			—			2,664			1,036,655
Construction and land development		1,304,238			—			66			—			4,118			1,308,422
Multi-family		1,735,026			31,972			—			—			2,333			1,769,331
Direct financing leases		8,346			1,133			—			—			54			9,533
1-4 family real estate		597,924			2,760			192			82			2,725			603,683
Consumer		157,962			24			58			—			413			158,457
	$	7,061,534		$	60,893		$	2,231		$	85		$	42,212		$	7,166,955
As a percentage of total loan/lease portfolio		98.53	%		0.85	%		0.03	%		0.00	%		0.59	%		100.00	%

NPLs by classes of loans/leases as of September 30, 2026 and December 31, 2025 are presented as follows and all loans held for sale are performing and not included in this table:

	As of September 30, 2026
	Accruing Past		Nonaccrual		Nonaccrual
	Due 90 Days or		Loans/Leases		Loans/Leases				Percentage of
Classes of Loans/Leases	More		with an ACL		without an ACL		Total NPLs		Total NPLs
	(dollars in thousands)
C&I:
C&I - revolving	$	—	$	804	$	—	$	804	2	%
C&I - other		21		15,779		7,174		22,974	63
CRE - owner occupied		—		1,804		—		1,804	5
CRE - non-owner occupied		—		—		—		—	-
Construction and land development		—		4,118		—		4,118	11
Multi-family		—		2,333		—		2,333	7
Direct financing leases		—		52		—		52	-
1-4 family real estate		—		2,327		1,616		3,943	11
Consumer		—		243		—		243	1
	$	21	$	27,460	$	8,790	$	36,271	100	%

	As of December 31, 2025
	Accruing Past		Nonaccrual		Nonaccrual
	Due 90 Days or		Loans/Leases		Loans/Leases				Percentage of
Classes of Loans/Leases	More		with an ACL		without an ACL		Total NPLs		Total NPLs
		(dollars in thousands)
C&I:
C&I - revolving	$	—	$	—	$	864	$	864	2	%
C&I - other		3		19,678		8,957		28,638	68
CRE - owner occupied		—		406		—		406	1
CRE - non-owner occupied		—		2,664		—		2,664	6
Construction and land development		—		4,118		—		4,118	10
Multi-family		—		2,333		—		2,333	5
Direct financing leases		—		54		—		54	0
1-4 family real estate		82		2,409		316		2,807	7
Consumer		—		413		—		413	1
	$	85	$	32,075	$	10,137	$	42,297	100	%

The Company did not recognize any interest income on nonaccrual loans during the three and nine months ended September 30, 2026 or 2025.

	Three Months Ended September 30, 2026
					CRE		CRE		Construction				1-4
	C&I -		C&I -		Owner		Non-Owner		and Land		Multi-		Family
	Revolving		Other*		Occupied		Occupied		Development		Family		Real Estate		Consumer		Total
	(dollars in thousands)
Balance, beginning	$	3,967	$	21,334	$	12,375	$	10,545	$	13,385	$	18,831	$	5,057	$	1,691	$	87,185
Provision		663		1,149		1,072		(635)		195		1,814		1		65		4,324
Charge-offs		—		(2,428)		(50)		(1,660)		—		—		—		(79)		(4,217)
Recoveries		—		1,094		—		—		—		—		—		38		1,132
Balance, ending	$	4,630	$	21,149	$	13,397	$	8,250	$	13,580	$	20,645	$	5,058	$	1,715	$	88,424

	Nine Months Ended September 30, 2026
					CRE		CRE		Construction				1-4
	C&I -		C&I -		Owner		Non-Owner		and Land		Multi-		Family
	Revolving		Other**		Occupied		Occupied		Development		Family		Real Estate		Consumer		Total
	(dollars in thousands)
Balance, beginning	$	3,747	$	27,684	$	6,324	$	11,457	$	15,397	$	18,860	$	4,986	$	1,672	$	90,127
Change in ACL for the transfer of loans to LHFS		—		—		—		—		—		(3,076)		—		—		(3,076)
Provision		810		2,129		7,036		(1,547)		(1,817)		4,861		81		111		11,664
Charge-offs		(3)		(10,392)		(50)		(1,660)		—		—		(9)		(123)		(12,237)
Recoveries		76		1,728		87		—		—		—		—		55		1,946
Balance, ending	$	4,630	$	21,149	$	13,397	$	8,250	$	13,580	$	20,645	$	5,058	$	1,715	$	88,424

*   Included within the C&I – Other column are ACL on leases with a beginning balance of $212 thousand, negative provision of $21 thousand, and no charge-offs or recoveries. The ACL on leases was $191 thousand as of September 30, 2026.

** Included within the C&I – Other column are ACL on leases with a beginning balance of $311 thousand, negative provision of $341 thousand, charge-offs of $5 thousand and recoveries of $226 thousand.  The ACL on leases was $191 thousand as of September 30, 2026.

	Three Months Ended September 30, 2025
					CRE		CRE		Construction				1-4
	C&I -		C&I -		Owner		Non-Owner		and Land		Multi-		Family
	Revolving		Other*		Occupied		Occupied		Development		Family		Real Estate		Consumer		Total
	(dollars in thousands)
Balance, beginning	$	3,797	$	29,522	$	6,741	$	10,626	$	17,945	$	13,542	$	4,980	$	1,579	$	88,732
Provision		153		3,042		(403)		636		(959)		1,844		(183)		95		4,225
Charge-offs		(390)		(4,211)		(87)		—		—		—		—		(58)		(4,746)
Recoveries		78		449		—		—		—		—		26		6		559
Balance, ending	$	3,638	$	28,802	$	6,251	$	11,262	$	16,986	$	15,386	$	4,823	$	1,622	$	88,770

	Nine Months Ended September 30, 2025
					CRE		CRE		Construction				1-4
	C&I -		C&I -		Owner		Non-Owner		and Land		Multi-		Family
	Revolving		Other**		Occupied		Occupied		Development		Family		Real Estate		Consumer		Total
	(dollars in thousands)
Balance, beginning	$	3,856	$	34,002	$	7,147	$	11,137	$	15,099	$	12,173	$	4,934	$	1,493	$	89,841
Provisions		94		9,113		(809)		115		1,804		3,213		(111)		216		13,635
Charge-offs		(390)		(15,559)		(87)		10		—		—		(26)		(128)		(16,180)
Recoveries		78		1,246		—		—		83		—		26		41		1,474
Balance, ending	$	3,638	$	28,802	$	6,251	$	11,262	$	16,986	$	15,386	$	4,823	$	1,622	$	88,770

*    Included within the C&I – Other column are ACL on leases with a beginning balance of $423 thousand, negative provision of $41 thousand, charge-offs of $12 thousand and recoveries of $9 thousand. The ACL on leases was $379 thousand as of September 30, 2025.

** Included within the C&I – Other column are ACL on leases with a beginning balance of $580 thousand, provision of $13 thousand, charge-offs of $233 thousand and recoveries of $19 thousand. The ACL on leases was $379 thousand as of September 30, 2025.

The composition of the ACL on loans/leases held for investment by portfolio segment based on evaluation method as of September 30, 2026 and December 31, 2025 are as follows:

	As of September 30, 2026
	Amortized Cost of Loans Receivable						Allowance for Credit Losses
	Individually		Collectively				Individually		Collectively
	Evaluated for		Evaluated for				Evaluated for		Evaluated for
	Credit Losses		Credit Losses		Total		Credit Losses		Credit Losses		Total
	(dollars in thousands)
C&I :
C&I - revolving	$	5,169	$	445,063	$	450,232	$	579	$	4,051	$	4,630
C&I - other*		26,446		1,162,431		1,188,877		6,242		14,907		21,149
		31,615		1,607,494		1,639,109		6,821		18,958		25,779
CRE - owner occupied		26,096		581,328		607,424		8,511		4,886		13,397
CRE - non-owner occupied		384		926,821		927,205		11		8,239		8,250
Construction and land development		4,482		1,198,985		1,203,467		1,664		11,916		13,580
Multi-family		4,556		2,036,037		2,040,593		864		19,781		20,645
1-4 family real estate		4,437		607,831		612,268		305		4,753		5,058
Consumer		340		167,048		167,388		42		1,673		1,715
	$	71,910	$	7,125,544	$	7,197,454	$	18,218	$	70,206	$	88,424

*   Included within the C&I – other category are leases individually evaluated of $52 thousand with a related allowance for credit losses of $15 thousand and leases collectively evaluated of $5.6 million with a related allowance for credit losses of $176 thousand as of September 30, 2026.

	As of December 31, 2025
	Amortized Cost of Loans Receivable						Allowance for Credit Losses
	Individually		Collectively				Individually		Collectively
	Evaluated for		Evaluated for				Evaluated for		Evaluated for
	Credit Losses		Credit Losses		Total		Credit Losses		Credit Losses		Total
	(dollars in thousands)
C&I :
C&I - revolving	$	5,726	$	378,930	$	384,656	$	39	$	3,708	$	3,747
C&I - other*		30,579		1,297,820		1,328,399		6,566		21,118		27,684
		36,305		1,676,750		1,713,055		6,605		24,826		31,431
CRE - owner occupied		23,711		553,641		577,352		1,464		4,860		6,324
CRE - non-owner occupied		3,419		1,033,236		1,036,655		1,642		9,815		11,457
Construction and land development		4,485		1,303,937		1,308,422		1,664		13,733		15,397
Multi-family		4,619		1,764,712		1,769,331		429		18,431		18,860
1-4 family real estate		1,966		600,288		602,254		300		4,686		4,986
Consumer		454		158,003		158,457		50		1,622		1,672
	$	74,959	$	7,090,567	$	7,165,526	$	12,154	$	77,973	$	90,127

*   Included within the C&I – other category are leases individually evaluated of $54 thousand with a related allowance for credit losses of $16 thousand and leases collectively evaluated of $9.5 million with a related allowance for credit losses of $295 thousand as of December 31, 2025.

The following table presents the amortized cost basis of collateral dependent loans, by the primary collateral type, which are individually evaluated to determine expected credit losses as of September 30, 2026 and December 31, 2025:

	As of September 30, 2026
					Non
	Commercial		Owner-occupied		Owner-Occupied		Owner Occupied
	Assets		CRE		Real Estate		Real Estate		Securities		Equipment		Other		Total
	(dollars in thousands)
C & I:
C&I - revolving	$	5,094	$	—	$	75	$	—	$	—	$	—	$	—	$	5,169
C&I - other*		7,564		160		131		—		4,335		6,399		7,857		26,446
		12,658		160		206		—		4,335		6,399		7,857		31,615
CRE - owner occupied		—		25,845		—		251		—		—		—		26,096
CRE - non-owner occupied		—		—		384		—		—		—		—		384
Construction and land development		—		—		4,482		—		—		—		—		4,482
Multi-family		—		—		4,556		—		—		—		—		4,556
1-4 family real estate		—		—		343		4,094		—		—		—		4,437
Consumer		—		—		—		334		—		—		6		340
	$	12,658	$	26,005	$	9,971	$	4,679	$	4,335	$	6,399	$	7,863	$	71,910

*   Included within the C&I – other category are leases individually evaluated of $52 thousand with primary collateral of equipment.

	As of December 31, 2025
					Non
	Commercial		Owner-occupied		Owner-Occupied		Owner Occupied
	Assets		CRE		Real Estate		Real Estate		Securities		Equipment		Other		Total
	(dollars in thousands)
C & I:
C&I - revolving	$	5,487	$	—	$	239	$	—	$	—	$	—	$	—	$	5,726
C&I - other*		7,001		—		—		—		4,760		7,610		11,208		30,579
		12,488		—		239		—		4,760		7,610		11,208		36,305
CRE - owner occupied		—		23,065		—		646		—		—		—		23,711
CRE - non-owner occupied		—		—		3,419		—		—		—		—		3,419
Construction and land development		—		—		4,485		—		—		—		—		4,485
Multi-family		—		—		4,619		—		—		—		—		4,619
1-4 family real estate		—		—		37		3,358		—		—		—		3,395
Consumer		—		—		—		444		—		—		10		454
	$	12,488	$	23,065	$	12,799	$	4,448	$	4,760	$	7,610	$	11,218	$	76,388

*   Included within the C&I – other category are leases individually evaluated of $54 thousand with primary collateral of equipment.

For all loans except direct financing leases and equipment financing agreements, the Company’s credit quality indicator consists of internally assigned risk ratings.  Each such loan is assigned a risk rating upon origination. The risk rating is reviewed every 15 months, at a minimum, and on an as-needed basis depending on the specific circumstances of the loan.

For certain C&I loans (including equipment financing agreements and direct financing leases), the Company’s credit quality indicator is performance determined by delinquency status.  Delinquency status is updated daily by the Company’s loan system.

The following tables show the credit quality indicator of loans by class of receivable and year of origination as of September 30, 2026, and all loans held for sale are included in the pass rated line:

	As of September 30, 2026
	Term Loans
	Amortized Cost Basis by Origination Year
													Revolving
													Loans
Internally Assigned													Amortized
Risk Rating	2026		2025		2024		2023		2022		Prior		Cost Basis		Total
	(dollars in thousands)
C&I - revolving
Pass	$	—	$	—	$	—	$	—	$	—	$	—	$	421,901	$	421,901
Special Mention		—		—		—		—		—		—		23,211		23,211
Substandard		—		—		—		—		—		—		5,120		5,120
Doubtful		—		—		—		—		—		—		—		—
Total C&I - revolving	$	—	$	—	$	—	$	—	$	—	$	—	$	450,232	$	450,232
C&I - other
Pass	$	324,127	$	225,480	$	91,550	$	166,061	$	97,929	$	137,906	$	—	$	1,043,053
Special Mention		10,081		118		627		103		463		2,398		—		13,790
Substandard		5,969		1,344		7,033		126		731		4,455		—		19,658
Doubtful		—		—		—		—		—		—		—		—
Total C&I - other	$	340,177	$	226,942	$	99,210	$	166,290	$	99,123	$	144,759	$	—	$	1,076,501
CRE - owner occupied
Pass	$	128,137	$	91,025	$	54,726	$	66,843	$	71,493	$	142,215	$	18,448	$	572,887
Special Mention		11,087		—		—		168		377		530		—		12,162
Substandard		2,214		295		—		89		1,366		18,411		—		22,375
Doubtful		—		—		—		—		—		—		—		—
Total CRE - owner occupied	$	141,438	$	91,320	$	54,726	$	67,100	$	73,236	$	161,156	$	18,448	$	607,424
CRE - non-owner occupied
Pass	$	176,754	$	174,253	$	91,554	$	98,446	$	190,936	$	140,430	$	46,606	$	918,979
Special Mention		2,366		—		—		—		5,267		208		—		7,841
Substandard		—		76		—		—		309		—		—		385
Doubtful		—		—		—		—		—		—		—		—
Total CRE - non-owner occupied	$	179,120	$	174,329	$	91,554	$	98,446	$	196,512	$	140,638	$	46,606	$	927,205
Construction and land development
Pass	$	344,031	$	404,224	$	199,040	$	197,311	$	24,515	$	1,754	$	27,498	$	1,198,373
Special Mention		868		—		17		—		—		—		—		885
Substandard		—		—		4,118		91		—		—		—		4,209
Doubtful		—		—		—		—		—		—		—		—
Total Construction and land development	$	344,899	$	404,224	$	203,175	$	197,402	$	24,515	$	1,754	$	27,498	$	1,203,467
Multi-family
Pass	$	301,557	$	429,535	$	242,597	$	275,859	$	305,775	$	479,550	$	1,164	$	2,036,037
Special Mention		—		—		—		—		—		—		—		—
Substandard		2,223		2,333		—		—		—		—		—		4,556
Doubtful		—		—		—		—		—		—		—		—
Total Multi-family	$	303,780	$	431,868	$	242,597	$	275,859	$	305,775	$	479,550	$	1,164	$	2,040,593
1-4 family real estate
Pass	$	120,369	$	102,767	$	78,718	$	74,745	$	64,218	$	163,735	$	4,356	$	608,908
Special Mention		47		1,517		—		—		155		4		—		1,723
Substandard		—		103		399		538		316		2,730		—		4,086
Doubtful		—		—		—		—		—		—		—		—
Total 1-4 family real estate	$	120,416	$	104,387	$	79,117	$	75,283	$	64,689	$	166,469	$	4,356	$	614,717
Consumer
Pass	$	7,751	$	8,386	$	3,033	$	2,746	$	1,786	$	1,063	$	142,220	$	166,985
Special Mention		—		—		—		—		—		—		63		63
Substandard		—		—		—		66		165		60		49		340
Doubtful		—		—		—		—		—		—		—		—
Total Consumer	$	7,751	$	8,386	$	3,033	$	2,812	$	1,951	$	1,123	$	142,332	$	167,388
Total	$	1,437,581	$	1,441,456	$	773,412	$	883,192	$	765,801	$	1,095,449	$	690,636	$	7,087,527

	As of September 30, 2026
	Term Loans
	Amortized Cost Basis by Origination Year												Revolving
													Loans
													Amortized
Delinquency Status *	2026		2025		2024		2023		2022		Prior		Cost Basis		Total
	(dollars in thousands)
C&I - other
Performing	$	—	$	—	$	52,423	$	34,844	$	11,634	$	1,615	$	—	$	100,516
Nonperforming		—		—		964		2,427		2,628		231		—		6,250
Total C&I - other	$	—	$	—	$	53,387	$	37,271	$	14,262	$	1,846	$	—	$	106,766
Direct financing leases
Performing	$	—	$	43	$	559	$	3,239	$	1,674	$	43	$	—	$	5,558
Nonperforming		—		—		—		—		51		1		—		52
Total Direct financing leases	$	—	$	43	$	559	$	3,239	$	1,725	$	44	$	—	$	5,610
Total	$	—	$	43	$	53,946	$	40,510	$	15,987	$	1,890	$	—	$	112,376

* Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual and accruing loans/leases that are greater than or equal to 90 days past due.

The following tables show the credit quality indicator of loans by class of receivable and year of origination as of December 31, 2025, and all loans held for sale are included in the pass rated line:

	As of December 31, 2025
	Term Loans
	Amortized Cost Basis by Origination Year
													Revolving
													Loans
Internally Assigned													Amortized
Risk Rating	2025		2024		2023		2022		2021		Prior		Cost Basis		Total
	(dollars in thousands)
C&I - revolving
Pass	$	—	$	—	$	—	$	—	$	—	$	—	$	352,945	$	352,945
Special Mention		—		—		—		—		—		—		25,985		25,985
Substandard		—		—		—		—		—		—		5,726		5,726
Doubtful		—		—		—		—		—		—		—		—
Total C&I - revolving	$	—	$	—	$	—	$	—	$	—	$	—	$	384,656	$	384,656
C&I - other
Pass	$	300,721	$	171,903	$	288,321	$	144,943	$	61,157	$	137,083	$	—	$	1,104,128
Special Mention		6,659		1,881		351		1,552		2,285		1,385		—		14,113
Substandard		5,520		11,195		126		755		84		4,838		—		22,518
Doubtful		—		—		—		—		—		—		—		—
Total C&I - other	$	312,900	$	184,979	$	288,798	$	147,250	$	63,526	$	143,306	$	—	$	1,140,759
CRE - owner occupied
Pass	$	109,608	$	55,117	$	80,181	$	81,512	$	91,330	$	110,939	$	11,091	$	539,778
Special Mention		—		—		22		7,523		8,280		1,864		—		17,689
Substandard		1,222		—		111		825		696		17,031		—		19,885
Doubtful		—		—		—		—		—		—		—		—
Total CRE - owner occupied	$	110,830	$	55,117	$	80,314	$	89,860	$	100,306	$	129,834	$	11,091	$	577,352
CRE - non-owner occupied
Pass	$	281,076	$	126,112	$	152,953	$	210,062	$	129,932	$	75,744	$	42,996	$	1,018,875
Special Mention		5,173		1,006		201		5,380		2,387		214		—		14,361
Substandard		78		—		2,664		319		—		358		—		3,419
Doubtful		—		—		—		—		—		—		—		—
Total CRE - non-owner occupied	$	286,327	$	127,118	$	155,818	$	215,761	$	132,319	$	76,316	$	42,996	$	1,036,655
Construction and land development
Pass	$	365,346	$	409,811	$	350,290	$	95,684	$	44,865	$	255	$	37,801	$	1,304,052
Special Mention		—		90		—		—		70		—		—		160
Substandard		—		4,118		92		—		—		—		—		4,210
Doubtful		—		—		—		—		—		—		—		—
Total Construction and land development	$	365,346	$	414,019	$	350,382	$	95,684	$	44,935	$	255	$	37,801	$	1,308,422
Multi-family
Pass	$	500,378	$	145,022	$	225,730	$	350,851	$	187,331	$	355,047	$	354	$	1,764,713
Special Mention		—		—		—		—		—		—		—		—
Substandard		2,333		—		—		—		12		2,273		—		4,618
Doubtful		—		—		—		—		—		—		—		—
Total Multi-family	$	502,711	$	145,022	$	225,730	$	350,851	$	187,343	$	357,320	$	354	$	1,769,331
1-4 family real estate
Pass	$	135,947	$	90,638	$	88,216	$	70,462	$	96,075	$	110,623	$	6,017	$	597,978
Special Mention		1,507		—		354		—		526		6		—		2,393
Substandard		—		286		281		617		636		1,492		—		3,312
Doubtful		—		—		—		—		—		—		—		—
Total 1-4 family real estate	$	137,454	$	90,924	$	88,851	$	71,079	$	97,237	$	112,121	$	6,017	$	603,683
Consumer
Pass	$	15,483	$	4,161	$	3,964	$	2,870	$	698	$	1,426	$	129,337	$	157,939
Special Mention		—		—		—		—		—		—		64		64
Substandard		—		—		220		174		—		—		60		454
Doubtful		—		—		—		—		—		—		—		—
Total Consumer	$	15,483	$	4,161	$	4,184	$	3,044	$	698	$	1,426	$	129,461	$	158,457
Total	$	1,731,051	$	1,021,340	$	1,194,077	$	973,529	$	626,364	$	820,578	$	612,376	$	6,979,315

	As of December 31, 2025
	Term Loans
	Amortized Cost Basis by Origination Year												Revolving
													Loans
													Amortized
Delinquency Status *	2025		2024		2023		2022		2021		Prior		Cost Basis		Total
	(dollars in thousands)
C&I - other
Performing	$	1,001	$	74,605	$	60,869	$	27,697	$	5,885	$	628	$	—	$	170,685
Nonperforming		—		1,135		3,308		2,161		764		54		—		7,422
Total C&I - other	$	1,001	$	75,740	$	64,177	$	29,858	$	6,649	$	682	$	—	$	178,107
Direct financing leases
Performing	$	203	$	665	$	4,883	$	3,043	$	557	$	128	$	—	$	9,479
Nonperforming		—		—		—		49		5		—		—		54
Total Direct financing leases	$	203	$	665	$	4,883	$	3,092	$	562	$	128	$	—	$	9,533
Total	$	1,204	$	76,405	$	69,060	$	32,950	$	7,211	$	810	$	—	$	187,640

* Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual and accruing loans/leases that are greater than or equal to 90 days past due.

The following table shows the gross charge-offs of loans and leases by class of receivable and year of origination for the three and nine months ended September 30, 2026 and 2025:

	Three Months Ended September 30, 2026														Nine Months Ended September 30, 2026
	Gross Charge-off by Origination Year														Gross Charge-off by Origination Year
Classes of Loans/Leases	2026		2025		2024		2023		2022		Prior		Total		2026		2025		2024		2023		2022		Prior		Total
	(dollars in thousands)														(dollars in thousands)
C&I:
C&I - revolving	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	3	$	—	$	—	$	—	$	—	$	—	$	3
C&I - other		—		386		271		633		818		320		2,428		27		386		5,487		2,408		1,635		444		10,387
CRE - owner occupied		—		—		—		—		—		50		50		—		—		—		—		—		50		50
CRE - non-owner occupied		—		—		—		1,624		—		36		1,660		—		—		—		1,624		—		36		1,660
Construction and land development		—		—		—		—		—		—		—		—		—		—		—		—		—		—
Multi-family		—		—		—		—		—		—		—		—		—		—		—		—		—		—
Direct financing leases		—		—		—		—		—		—		—		—		—		—		—		—		5		5
1-4 family real estate		—		—		—		—		—		—		—		—		—		—		—		—		9		9
Consumer		3		8		21		46		—		1		79		3		8		38		64		9		1		123
	$	3	$	394	$	292	$	2,303	$	818	$	407	$	4,217	$	33	$	394	$	5,525	$	4,096	$	1,644	$	545	$	12,237

	Three Months Ended September 30, 2025														Nine Months Ended September 30, 2025
	Gross Charge-off by Origination Year														Gross Charge-off by Origination Year
Classes of Loans/Leases	2025		2024		2023		2022		2021		Prior		Total		2025		2024		2023		2022		2021		Prior		Total
	(dollars in thousands)														(dollars in thousands)
C&I:
C&I - revolving	$	—	$	390	$	—	$	—	$	—	$	—	$	390	$	—	$	390	$	—	$	—	$	—	$	—	$	390
C&I - other		—		1,373		1,163		1,010		614		39		4,199		500		4,740		3,834		4,738		1,365		149		15,326
CRE - owner occupied		—		—		—		—		87		—		87		—		—		—		—		87		—		87
CRE - non-owner occupied		—		—		—		—		—		—		—		—		—		—		—		—		(10)		(10)
Construction and land development		—		—		—		—		—		—		—		—		—		—		—		—		—		—
Multi-family		—		—		—		—		—		—		—		—		—		—		—		—		—		—
Direct financing leases		—		—		—		—		10		2		12		—		136		39		40		10		8		233
1-4 family real estate		—		—		—		—		—		—		—		—		3		—		23		—		—		26
Consumer		—		34		22		—		1		1		58		—		47		79		—		1		1		128
	$	—	$	1,797	$	1,185	$	1,010	$	712	$	42	$	4,746	$	500	$	5,316	$	3,952	$	4,801	$	1,463	$	148	$	16,180

Any loan and lease modifications to borrowers experiencing financial difficulty during 2025 and 2026 were deemed immaterial.

Changes in the ACL for OBS exposures for the three and nine months ended September 30, 2026 and 2025 are presented as follows:

	Three Months Ended				Nine Months Ended
	September 30, 2026		September 30, 2025		September 30, 2026		September 30, 2025
	(dollars in thousands)
Balance, beginning	$	6,960	$	7,140	$	7,138	$	8,273
Provisions (credited) to expense		128		80		(50)		(1,053)
Balance, ending	$	7,088	$	7,220	$	7,088	$	7,220