Schedule of purchased loans through acquisition IBTX


(Dollars in thousands)	January 1, 2025
Book value of acquired loans at acquisition	$	3,081,440
Allowance for credit losses at acquisition		(135,441)
Non-credit discount at acquisition		(151,993)
Carrying value or book value of acquired loans at acquisition	$	2,794,006

Schedule of aging analysis of past due accruing loans


	30 - 59 Days		60 - 89 Days		90+ Days		Total				Non-		Total
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Accruing		Loans
September 30, 2025
Construction and land development	$	1,208	$	415	$	—	$	1,623	$	2,670,483	$	6,865	$	2,678,971
Commercial non-owner-occupied		6,106		6,223		—		12,329		16,247,542		76,151		16,336,022
Commercial owner-occupied		12,167		5,886		1,122		19,175		7,467,138		42,762		7,529,075
Consumer owner-occupied		16,474		464		—		16,938		8,363,885		60,491		8,441,314
Home equity loans		3,584		1,611		—		5,195		1,743,977		11,540		1,760,712
Commercial and industrial		40,517		12,681		4,085		57,283		8,494,445		92,908		8,644,636
Other income producing property		2,135		653		36		2,824		1,262,643		1,716		1,267,183
Consumer		2,090		764		—		2,854		980,218		4,013		987,085
Other loans		—		—		—		—		22,913		—		22,913
	$	84,281	$	28,697	$	5,243	$	118,221	$	47,253,244	$	296,446	$	47,667,911
December 31, 2024
Construction and land development	$	16	$	—	$	—	$	16	$	2,182,853	$	1,458	$	2,184,327
Commercial non-owner-occupied		2,253		748		—		3,001		9,363,226		17,505		9,383,732
Commercial owner-occupied		7,208		2,844		92		10,144		5,670,550		35,682		5,716,376
Consumer owner-occupied		6,536		444		—		6,980		7,094,851		43,054		7,144,885
Home equity loans		4,717		1,511		1		6,229		1,553,832		10,023		1,570,084
Commercial and industrial		28,427		7,700		3,163		39,290		6,091,566		92,020		6,222,876
Other income producing property		237		116		37		390		605,162		2,198		607,750
Consumer		7,023		3,444		—		10,467		1,046,776		5,356		1,062,599
Other loans		—		—		—		—		10,298		—		10,298
	$	56,417	$	16,807	$	3,293	$	76,517	$	33,619,114	$	207,296	$	33,902,927

Summary of collateral dependent loans, by type of collateral

The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period:


	September 30,		Collateral			December 31,		Collateral
(Dollars in thousands)	2025		Coverage		%	2024		Coverage		%
Construction and land development
Other	$	5,866	$	7,725	132%	$	—	$	—	—
Commercial owner-occupied real estate
Industrial		—		—	—		2,835		6,831	241%
Other		15,274		26,439	173%		11,087		20,683	187%
Commercial non-owner-occupied real estate
Retail		3,475		5,251	151%		—		—	—
Other		2,782		3,582	129%		—		—	—
Office		19,087		22,554	118%		14,223		15,594	110%
Multifamily		45,206		50,003	111%		—		—	—
Commercial and industrial
Other		52,310		52,523	100%		59,171		74,549	126%
Other income producing property
1-4 family investment property		717		545	76%		1,265		3,286	260%
Consumer owner-occupied
1st Mtg Residential		1,745		3,150	181%		963		954	99%
Home equity loans
Residential 1-4 family dwelling		1,094		2,025	185%		1,173		2,250	192%
Total collateral dependent loans	$	147,556	$	173,797		$	90,717	$	124,147

Schedule of changes in status of loans restructured within the previous 12 months

The following table presents the changes in status of loans modified within the previous twelve months to borrowers experiencing financial difficulty, as of September 30, 2025 and 2024, by type of modification. The subsequent defaults were all due to past due status greater than 60 days and loss mitigation efforts.


	September 30,
	2025						2024
	Paying Under						Paying Under
	Restructured		Converted to		Foreclosures		Restructured		Converted to		Foreclosures
	Terms		Nonaccrual		and Defaults		Terms		Nonaccrual		and Defaults
	Amortized		Amortized		Amortized		Amortized		Amortized		Amortized
(Dollars in thousands)	Cost		Cost		Cost		Cost		Cost		Cost
Interest rate reduction
Commercial non-owner-occupied	$	14,981	$	—	$	—	$	—	$	—	$	—
Commercial owner-occupied real estate		325		—		—		—		—		—
Commercial and industrial		367		—		—		—		—		—
Consumer owner-occupied		—		—		—		896		—		—
Total interest rate reductions	$	15,673	$	—	$	—	$	896	$	—	$	—

Term extension
Construction and land development	$	310	$	—	$	282	$	—	$	—	$	—
Commercial non-owner-occupied		30,697		—		—		—		—		—
Commercial owner-occupied real estate		7,563		—		—		13,461		—		—
Consumer owner-occupied		6,021		—		935		1,345		—		—
Commercial and industrial		8,801		—		285		19,553		—		—
Total term extensions	$	53,392	$	—	$	1,502	$	34,359	$	—	$	—

Other-than-insignificant payment delay
Construction and land development	$	26,218	$	—	$	—	$	—	$	—	$	—
Commercial non-owner occupied		22,833		—		—		—		—		—
Commercial owner-occupied real estate		6,072		—		—		—		—		—
Commercial and industrial		1,610		—		—		—		—		—
Total payment delays	$	56,733	$	—	$	—	$	—	$	—	$	—

Term Extension and Interest Rate Reduction
Consumer owner-occupied	$	1,799	$	—	$	337	$	—	$	—	$	—
Total term extension and interest rate combinations	$	1,799	$	—	$	337	$	—	$	—	$	—

Term Extension and Payment Delay
Commercial and industrial	$	—	$	—	$	—	$	266	$	—	$	—
Total term extension and payment delay combinations	$	—	$	—	$	—	$	266	$	—	$	—

Interest Rate Reduction and Payment Delay
Commercial non-owner occupied	$	29,802	$	—	$	—	$	—	$	—	$	—
Commercial and industrial		1,172		—		—		—		—		—
Total interest rate reduction and payment delay combinations	$	30,974	$	—	$	—	$	266	$	—	$	—
	$	158,571	$	—	$	1,839	$	35,521	$	—	$	—

Summary of Loans