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Credit Quality

12 Months Ended

Dec. 31, 2025

NOTE E--CREDIT QUALITY

Management monitors the credit quality of its loans and leases on an ongoing basis. Measurement of delinquency and past due status are based on the contractual terms of each loan. United considers a loan to be past due when it is 30 days or more past its contractual payment due date.

For all loan classes, past due loans and leases are reviewed on a monthly basis to identify loans and leases for nonaccrual status. Generally, when collection in full of the principal and interest is jeopardized, the loan is placed on nonaccrual status. The accrual of interest income on commercial and most consumer loans generally is discontinued when a loan becomes 90 to 120 days past due as to principal or interest. However, regardless of delinquency status, if a loan is fully secured and in the process of collection and resolution of collection is expected in the near term (generally less than 90 days), then the loan will not be placed on nonaccrual status. When interest accruals are discontinued, unpaid interest recognized in income in the current year is reversed, and unpaid interest accrued in prior years is charged to the allowance for credit losses. United’s method of income recognition for loans and leases that are classified as nonaccrual is to recognize interest income on a cash basis or apply the cash receipt to principal when the ultimate collectability of principal is in doubt. Nonaccrual loans and leases will not normally be returned to accrual status unless all past due principal and interest has been paid and the borrower has evidenced their ability to meet the contractual provisions of the note.

The following table sets forth United’s age analysis of its past due loans and leases, segregated by class of loans and leases:


Age Analysis of Past Due Loans and Leases As of December 31, 2025
(In thousands)	30-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current & Other		Total Financing Receivables		90 Days or More Past Due & Accruing
Commercial real estate:
Owner-occupied	$	4,754	$	1,830	$	6,584	$	2,139,337	$	2,145,921	$	81
Nonowner-occupied		7,598		71,038		78,636		8,264,884		8,343,520		0
Other commercial		2,490		6,569		9,059		3,775,774		3,784,833		591
Residential real estate		25,026		19,124		44,150		6,054,112		6,098,262		3,701
Construction & land development		1,508		1,301		2,809		3,568,093		3,570,902		0
Consumer:
Bankcard		28		54		82		9,604		9,686		54
Other consumer		13,661		1,550		15,211		752,285		767,496		547

Total	$	55,065	$	101,466	$	156,531	$	24,564,089	$	24,720,620	$	4,974


Age Analysis of Past Due Loans and Leases As of December 31, 2024
(In thousands)	30-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current & Other		Total Financing Receivables		90 Days or More Past Due & Accruing
Commercial real estate:
Owner-occupied	$	3,767	$	1,284	$	5,051	$	1,584,951	$	1,590,002	$	0
Nonowner-occupied		11,931		23,379		35,310		6,904,331		6,939,641		0
Other commercial		5,594		19,019		24,613		3,326,749		3,351,362		431
Residential real estate		33,783		20,946		54,729		5,452,655		5,507,384		12,429
Construction & land development		390		4,265		4,655		3,504,379		3,509,034		1,677
Consumer:
Bankcard		63		61		124		9,874		9,998		61
Other consumer		28,414		4,446		32,860		740,217		773,077		2,342

Total	$	83,942	$	73,400	$	157,342	$	21,523,156	$	21,680,498	$	16,940

The following table sets forth United’s nonaccrual loans and leases, segregated by class of loans and leases:


	At December 31, 2025				At December 31, 2024
(In thousands)	Nonaccruals		With No Related Allowance for Credit Losses		Nonaccruals		With No Related Allowance for Credit Losses
Commercial Real Estate:
Owner-occupied	$	1,749	$	1,749	$	1,284	$	1,284
Nonowner-occupied		71,038		71,038		23,379		8,475
Other Commercial		5,978		3,515		18,588		584
Residential Real Estate		15,423		15,423		8,517		5,562
Construction		1,301		1,301		2,588		2,589
Consumer:
Bankcard		0		0		0		0
Other consumer		1,003		1,003		2,104		2,104

Total	$	96,492	$	94,029	$	56,460		$20,598

Interest income recognized on nonaccrual loans was insignificant during the year ended December 31, 2025 and 2024.

In some cases, United will modify a loan to a borrower experiencing financial difficulty by providing multiple types of concessions such as a term extension, principal forgiveness, an interest rate reduction or a combination thereof. The following table presents the amortized cost of loans and leases to borrowers experiencing financial difficulty modified during the years of 2025 and 2024, respectively, by class of financing receivable and by type of modification. The percentage of the amortized cost basis of loans and leases that were modified to borrowers experiencing financial difficulty as compared to the amortized cost basis of each class of financing receivable is also represented below.


	Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	For the Year ended December 31, 2025
(Dollars in thousands)	Term Extension		Other- Than- Insignificant Payment Delay		Interest Rate Reduction		Term Extension & Interest Rate Reduction		Interest Rate Reduction & Payment Delay		% of Total Class of Financing Receivable
Commercial real estate:
Owner-occupied	$	8,015	$	0	$	0	$	0	$	3,466		0.54	%
Nonowner- occupied		7,460		7,160		4,616		0		0		0.23	%
Other commercial		0		0		0		1,000		0		0.03	%
Residential real estate		0		0		0		0		0		0.00	%
Construction & land development		0		0		0		0		0		0.00	%
Consumer:
Bankcard		0		0		0		0		0		0.00	%
Other consumer		0		0		0		0		0		0.00	%

Total	$	15,475	$	7,160	$	4,616	$	1,000	$	3,466		0.13	%


		Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	For the Year ended December 31, 2024
(Dollars in thousands)		Term Extension		Other- Than- Insignificant Payment Delay		Interest Rate Reduction		Term Extension & Interest Rate Reduction		Term Extension & Payment Delay	% of Total Class of Financing Receivable

Commercial real estate:
Owner-occupied	$	445	$	0	$	0	$	0	$	0	0.03	%
Nonowner-occupied		5,765		0		0		0		0	0.08	%
Other commercial		0		0		0		2,400		0	0.00	%
Residential real estate		185		0		0		0		168	0.06	%
Construction & land development		52		0		0		0		0	0.00	%
Consumer:
Bankcard		0		0		0		0		0	0.00	%
Other consumer		0		0		0		0		0	0.00	%

Total	$	6,447	$	0	$	0	$	2,400	$	168	0.04	%

As of December 31, 2025, there was a commitment to lend additional funds of $139,000 to two debtors owing a loan receivable whose terms have been modified.

United’s estimate of future credit losses uses a lifetime methodology, derived from modeled loan performance based on the extensive historical experience of loans with similar risk characteristics, adjusted to reflect current conditions and reasonable and supportable forecasts. The historical loss experience used in United’s credit loss models includes the impact of loan modifications provided to borrowers experiencing financial difficulty, and also includes the impact of projected loss severities as a result of loan defaults.

United closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance in the 12 months after a modification made to borrowers experiencing financial difficulty presented by class of financing receivable:


	Payment Status (Amortized Cost Basis)
	As of December 31, 2025						As of December 31, 2024
(In thousands)	Current		30-89 Days Past Due		90+ Days Past Due		Current		30-89 Days Past Due		90+ Days Past Due
Commercial real estate:
Owner-occupied	$	11,481	$	0	$	0	$	445	$	0	$	0
Nonowner-occupied		14,838		4,398		0		1,366		4,399		0
Other commercial		1,000		0		0		2,400		0		0
Residential real estate		0		0		0		297		56		0
Construction & land development		0		0		0		52		0		0
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0

Total	$	27,319	$	4,398	$	0	$	4,560	$	4,455	$	0

The following table presents the financial effect of loan and lease modifications to borrowers experiencing financial difficulty for the year ended December 31, 2025 and 2024.


	For the Year Ended
	December 31, 2025							December 31, 2024
	Weighted- Average Interest Rate Reduction			Weighted- Average Other-Than- Insignificant Payment Delay (in years)		Weighted Average Term Extension (in years)		Weighted- Average Interest Rate Reduction			Weighted Average Term Extension (in years)
Commercial Real Estate:
Owner-occupied		0.50	%		2.4		0.8		0.00	%		0.3
Nonowner-occupied		0.50	%		1.6		0.4		0.00	%		0.5
Other Commercial		0.00	%		0		0.3		1.00	%		0.3
Residential Real Estate		0.00	%		0		0		0.00	%		4.9
Construction & land development		0.00	%		0		0		0.00	%		4.5
Consumer:
Bankcard		0.00	%		0		0		0.00	%		0
Other consumer		0.00	%		0		0		0.00	%		0

No loan or lease modifications completed within the last 12 months to borrowers experiencing financial difficulty had a payment default during the year ended December 31, 2025. The following table presents loan or lease modifications completed within the 12-month period ended December 31, 2024 to borrowers experiencing financial difficulty had a payment default during the year ended December 31, 2024


	For the Year ended December 31, 2024
(Dollars in thousands)	Term Extension		Interest Rate Reduction		Term Extension & Interest Rate Reduction		Term Extension & Payment Delay		% of Total Class of Financing Receivable
Commercial real estate:
Owner-occupied	$	0	$	0	$	0	$	0		0.00	%
Nonowner-occupied		0		0		0		0		0.00	%
Other commercial		0		0		0		0		0.00	%
Residential real estate		0		0		0		0		0.00	%
Construction & land development		0		0		0		674		0.02	%
Consumer:
Bankcard		0		0		0		0		0.00	%
Other consumer		0		0		0		0		0.00	%

Total	$	0	$	0	$	0	$	674		0.00	%

United elected the practical expedient to measure expected credit losses on collateral dependent loans and leases based on the difference between the loan’s amortized cost and the collateral’s fair value, adjusted for selling costs.

The following table presents the amortized cost basis of collateral-dependent loans and leases in which repayment is expected to be derived substantially through the operation or sale of the collateral and where the borrower is experiencing financial difficulty, by class of loans and leases as of December 31, 2025 and December 31, 2024:


	Collateral Dependent Loans and Leases
	At December 31, 2025
(In thousands)	Residential Property		Business Assets		Land		Commercial Property		Other		Total
Commercial real estate:
Owner-occupied	$	0	$	0	$	0	$	3,094	$	19,366	$	22,460
Nonowner-occupied		6,830		0		0		84,786		38,761		130,377
Other commercial		0		4,005		0		4,893		3,174		12,072
Residential real estate		6,049		0		0		0		5		6,054
Construction & land development		250		0		849		0		1,170		2,269


	Collateral Dependent Loans and Leases
	At December 31, 2025
(In thousands)	Residential Property		Business Assets		Land		Commercial Property		Other		Total
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0

Total	$	13,129	$	4,005	$	849	$	92,773	$	62,476	$	173,232


	Collateral Dependent Loans and Leases
	At December 31, 2024
(In thousands)	Residential Property		Business Assets		Land		Commercial Property		Other		Total
Commercial real estate:
Owner-occupied	$	5	$	0	$	0	$	3,119	$	6,465	$	9,589
Nonowner-occupied		7,037		0		0		23,975		2,367		33,379
Other commercial		0		15,816		0		5,041		528		21,385
Residential real estate		7,348		0		0		0		11		7,359
Construction & land development		0		0		2,492		0		873		3,365
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0

Total	$	14,390	$	15,816	$	2,492	$	32,135	$	10,244	$	75,077

United categorizes loans and leases into risk categories based on relevant information about the ability of borrowers to service their debt: current financial information, historical payment experience, credit documentation, underlying collateral (if any), public information and current economic trends, among other factors.

United uses the following definitions for risk ratings:

•

Pass

•

Special Mention

•

Substandard

•

Doubtful

For United’s loans with a corporate credit exposure, United analyzes loans individually to classify the loans as to credit risk. Review and analysis of criticized (special mention-rated loans in the amount of $1,000,000 or greater) and classified (substandard-rated and worse in the amount of $500,000 and greater) loans is completed once per quarter. Review of notes with committed exposure of $3,000,000 or greater is completed at least annually. For loans with a consumer credit exposure, United internally assigns a grade based upon an individual loan’s delinquency status. United reviews and updates, as necessary, these grades on a quarterly basis.

Special mention loans, with a corporate credit exposure, have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loans or in the Company’s credit position at some future date. Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet (e.g., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons for rating a credit exposure special mention include management problems, pending litigation, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices. For loans with a consumer credit exposure, loans that are past due 30-89 days are generally considered special mention.

A substandard loan with a corporate credit exposure is inadequately protected by the current sound worth and paying capacity 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 by the borrower. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. They require more intensive supervision by

management. Substandard loans are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigants. For some substandard loans, the likelihood of full collection of interest and principal may be in doubt and thus, placed on nonaccrual. For loans with a consumer credit exposure, loans that are 90 days or more past due or that have been placed on nonaccrual are considered substandard.

A loan with

corporate credit exposure is classified as doubtful if it has all the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection in full, on the basis of currently existing facts, conditions, and values, highly questionable. A doubtful loan has a high probability of total or substantial loss, but because of specific pending events that may strengthen the loan, its classification as loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity or capital, and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, the perfection of liens on additional collateral, the valuation of collateral, and refinancing. Generally, there are not any loans with a consumer credit exposure that are classified as doubtful. Usually, they are charged-off prior to such a classification.

Based on the most recent analysis performed, the risk category of loans and leases as well as charge-offs and recoveries by class of loans is as follows. Loans originated in any year may be renewals of existing loans and not necessarily new loans.


Commercial Real Estate – Owner-occupied																Revolving loans converted to term loans
	Term Loans													Revolving loans amortized cost basis				Total
(In thousands)	Origination Year
As of December 31, 2025	2025		2024		2023		2022		2021		Prior
Internal Risk Grade:
Pass	$	353,313	$	362,198	$	196,733	$	301,328	$	278,290	$	555,204		$	51,711	$	0	$	2,098,777
Special Mention		0		0		4,842		0		0		3,727			2,695		0		11,264
Substandard		0		246		4,027		3,402		0		19,671			8,220		116		35,682
Doubtful		0		0		0		0		0		198			0		0		198

Total	$	353,313	$	362,444	$	205,602	$	304,730	$	278,290	$	578,800		$	62,626	$	116	$	2,145,921

Current-period charge-offs		0		0		0		0		0		(228	)		0		0		(228	)
Current-period recoveries		0		0		0		14		0		304			0		0		318

Current-period net recoveries	$	0	$	0	$	0	$	14	$	0	$	76		$	0	$	0	$	90


	Term Loans													Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
(In thousands)	Origination Year
As of December 31, 2024	2024		2023		2022		2021		2020		Prior
Internal Risk Grade:
Pass	$	236,547	$	132,095	$	243,103	$	225,152	$	205,461	$	467,417		$	29,900	$	0	$	1,539,675
Special Mention		0		0		0		0		0		15,199			8,545		0		23,744
Substandard		247		0		3,493		0		307		21,744			445		121		26,357
Doubtful		0		0		0		0		0		226			0		0		226

Total	$	236,794	$	132,095	$	246,596	$	225,152	$	205,768	$	504,586		$	38,890	$	121	$	1,590,002

Current-period charge- offs		0		0		0		0		0		(116	)		0		0		(116	)
Current-period recoveries		0		0		15		0		0		1,168			0		0		1,183

Current-period net recoveries	$	0	$	0	$	15	$	0	$	0	$	1,052		$	0	$	0	$	1,067


Commercial Real Estate – Nonowner-occupied

(In thousands)	Term Loans Origination Year													Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of December 31, 2025	2025		2024		2023		2022		2021		Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	1,628,785	$	856,235	$	760,043	$	1,917,759	$	1,165,300	$	1,397,941		$	143,406	$	0	$	7,869,469
Special Mention		1,983		0		7,058		51,603		113,708		120,213			0		0		294,565
Substandard		0		0		5,431		48,950		5,323		97,607			22,175		0		179,486
Doubtful		0		0		0		0		0		0			0		0		0

Total	$	1,630,768	$	856,235	$	772,532	$	2,018,312	$	1,284,331	$	1,615,761		$	165,581	$	0	$	8,343,520

Current-period charge-offs		0		0		0		0		0		(35,798	)		0		0		(35,798	)
Current-period recoveries		0		0		0		0		0		160			0		0		160

Current-period net charge-offs	$	0		0	$	0	$	0	$	0	$	(35,638	)	$	0	$	0	$	(35,638	)



(In thousands)	Term Loans Origination Year														Revolving loans amortized cost basis		Revolving loans and leases converted to term loans
As of December 31, 2024	2024		2023		2022		2021		2020			Prior			Revolving loans amortized cost basis		Revolving loans and leases converted to term loans		Total
Internal Risk Grade:
Pass	$	741,996	$	485,437	$	1,623,423	$	1,294,232	$	639,143		$	1,584,833		$	160,243	$	78	$	6,529,385
Special Mention		0		0		8,465		82,240		29,940			210,912			0		0		331,557
Substandard		0		0		4,085		4,020		143			48,633			21,818		0		78,699
Doubtful		0		0		0		0		0			0			0		0		0

Total	$	741,996	$	485,437	$	1,635,973	$	1,380,492	$	669,226		$	1,844,378		$	182,061	$	78	$	6,939,641

Current-period charge-offs		0		0		0		0		(751	)		(1,830	)		0		0		(2,581	)
Current-period recoveries		0		0		0		0		0			200			0		0		200

Current-period net (charge-offs) recoveries	$	0	$	0	$	0	$	0	$	(751	)	$	(1,630	)	$	0	$	0	$	(2,381	)

Other commercial



(In thousands)	Term Loans and leases Origination Year																	Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans
As of December 31, 2025	2025		2024			2023			2022			2021			Prior			Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans		Total
Internal Risk Grade:
Pass	$	628,597	$	373,700		$	472,334		$	214,442		$	324,424		$	600,824		$	1,117,879		$	47	$	3,732,247
Special Mention		5		431			117			949			1,128			9,012			458			0		12,100
Substandard		0		1,689			2,853			6,225			6,926			17,469			5,324			0		40,486
Doubtful		0		0			0			0			0			0			0			0		0

Total	$	628,602	$	375,820		$	475,304		$	221,616		$	332,478		$	627,305		$	1,123,661		$	47	$	3,784,833

Current-period charge-offs		0		(48	)		(150	)		(229	)		(1,625	)		(2,459	)		(913	)		0		(5,424	)
Current-period recoveries		0		0			27			75			32			2,111			64			0		2,309

Current-period net charge- offs	$	0	$	(48	)	$	(123	)	$	(154	)	$	(1,593	)	$	(348	)	$	(849	)	$	0	$	(3,115	)


	Term Loans and leases																	Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans		Total
(In thousands)	Origination Year
As of December 31, 2024	2024		2023			2022			2021			2020			Prior
Internal Risk Grade:
Pass	$	403,641	$	505,947		$	378,072		$	394,412		$	164,671		$	519,488		$	912,293		$	0	$	3,278,524
Special Mention		81		36			1,129			339			251			18,941			4,652			0		25,429
Substandard		206		419			18,927			7,029			835			11,262			8,706			0		47,384
Doubtful		0		0			0			0			0			25			0			0		25

Total	$	403,928	$	506,402		$	398,128		$	401,780		$	165,757		$	549,716		$	925,651		$	0	$	3,351,362

Current-period charge-offs		0		(464	)		(252	)		(156	)		(148	)		(1,352	)		(1,217	)		0		(3,589	)
Current-period recoveries		10		67			9			45			0			1,512			7			0		1,650

Current-period net recoveries (charge- offs)	$	10	$	(397	)	$	(243	)	$	(111	)	$	(148	)	$	160		$	(1,210	)	$	0	$	(1,939	)



Residential Real Estate

(In thousands)	Term Loans Origination Year																	Revolving loans amortized cost basis			Revolving loans converted to term loans
As of December 31, 2025	2025		2024			2023			2022			2021			Prior			Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	746,665	$	427,238		$	784,994		$	1,608,513		$	822,932		$	1,148,481		$	533,509		$	160	$	6,072,492
Special Mention		0		476			104			0			0			4,048			637			0		5,265
Substandard		0		407			107			0			7,800			11,984			207			0		20,505
Doubtful		0		0			0			0			0			0			0			0		0

Total	$	746,665	$	428,121		$	785,205		$	1,608,513		$	830,732		$	1,164,513		$	534,353		$	160	$	6,098,262

Current-period charge-offs		0		(67	)		(205	)		(189	)		(6	)		(532	)		0			0		(999	)
Current-period recoveries		0		0			0			0			2			701			1			0		704

Current-period net (charge- offs) recoveries	$	0	$	(67	)	$	(205	)	$	(189	)	$	(4	)	$	169		$	1		$	0	$	(295	)


(In thousands)	Term Loans Origination Year															Revolving loans amortized cost basis			Revolving loans converted to term loans
As of December 31, 2024	2024		2023			2022			2021		2020		Prior			Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	407,430	$	820,059		$	1,617,541		$	827,395	$	396,094	$	971,226		$	447,363		$	2,467	$	5,489,575
Special Mention		382		107			0			0		0		2,466			1,326			0		4,281
Substandard		0		0			0			508		0		12,430			507			83		13,528
Doubtful		0		0			0			0		0		0			0			0		0

Total	$	407,812	$	820,166		$	1,617,541		$	827,903	$	396,094	$	986,122		$	449,196		$	2,550	$	5,507,384

Current-period charge-offs		0		(7	)		(2	)		0		0		(359	)		(113	)		0		(481	)
Current-period recoveries		0		0			0			5		0		489			1			0		495

Current-period net (charge- offs) recoveries	$	0	$	(7	)	$	(2	)	$	5	$	0	$	130		$	(112	)	$	0	$	14


Construction and Land Development

(In thousands)	Term Loans Origination Year															Revolving loans amortized cost basis			Revolving loans converted to term loans
As of December 31, 2025	2025		2024		2023			2022		2021			Prior			Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	1,031,215	$	992,846	$	693,752		$	401,811	$	65,460		$	27,716		$	305,750		$	0	$	3,518,550
Special Mention		0		2,827		30,509			0		4,208			8,281			0			0		45,825
Substandard		541		0		4,468			34		0			1,484			0			0		6,527
Doubtful		0		0		0			0		0			0			0			0		0

Total	$	1,031,756	$	995,673	$	728,729		$	401,845	$	69,668		$	37,481		$	305,750		$	0	$	3,570,902

Current-period charge-offs		0		0		(141	)		0		(103	)		(164	)		0			0		(408	)
Current-period recoveries		0		0		0			0		0			225			0			0		225

Current-period net (charge-offs) recoveries	$	0	$	0	$	(141	)	$	0	$	(103	)	$	61		$	0		$	0	$	(183	)


(In thousands)	Term Loans Origination Year															Revolving loans amortized cost basis			Revolving loans converted to term loans
As of December 31, 2024	2024		2023		2022			2021		2020			Prior			Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	628,186	$	837,662	$	1,253,480		$	426,662	$	18,559		$	18,542		$	302,302		$	0	$	3,485,393
Special Mention		0		0		1,455			18,356		57			153			0			0		20,021
Substandard		0		0		0			200		1,607			1,813			0			0		3,620
Doubtful		0		0		0			0		0			0			0			0		0

Total	$	628,186	$	837,662	$	1,254,935		$	445,218	$	20,223		$	20,508		$	302,302		$	0	$	3,509,034

Current-period charge-offs		0		0		0			0		0			(29	)		0			0		(29	)
Current-period recoveries		0		0		0			0		0			319			0			0		319

Current-period net recoveries	$	0	$	0	$	0		$	0	$	0		$	290		$	0		$	0	$	290


Bankcard

(In thousands)	Term Loans Origination Year															Revolving loans amortized cost			Revolving loans converted to
As of December 31, 2025	2025		2024		2023			2022		2021			Prior			basis			term loans		Total
Internal Risk Grade:
Pass	$	0	$	0	$	0		$	0	$	0		$	0		$	9,603		$	0	$	9,603
Special Mention		0		0		0			0		0			0			28			0		28
Substandard		0		0		0			0		0			0			55			0		55
Doubtful		0		0		0			0		0			0			0			0		0

Total	$	0	$	0	$	0		$	0	$	0		$	0		$	9,686		$	0	$	9,686

Current-period charge-offs		0		0		0			0		0			0			(320	)		0		(320	)
Current-period recoveries		0		0		0			0		0			0			55			0		55

Current-period net charge-offs	$	0	$	0	$	0		$	0	$	0		$	0		$	(265	)	$	0	$	(265	)


(In thousands)	Term Loans Origination Year																		Revolving loans amortized cost			Revolving loans converted to
As of December 31, 2024	2024			2023			2022			2021			2020			Prior			basis			term loans		Total
Internal Risk Grade:
Pass	$	0		$	0		$	0		$	0		$	0		$	0		$	9,874		$	0	$	9,874
Special Mention		0			0			0			0			0			0			63			0		63
Substandard		0			0			0			0			0			0			61			0		61
Doubtful		0			0			0			0			0			0			0			0		0

Total	$	0		$	0		$	0		$	0		$	0		$	0		$	9,998		$	0	$	9,998

Current-period charge-offs		0			0			0			0			0			0			(431	)		0		(431	)
Current-period recoveries		0			0			0			0			0			0			19			0		19

Current-period net charge-offs	$	0		$	0		$	0		$	0		$	0		$	0		$	(412	)	$	0	$	(412	)


Other Consumer
(In thousands)	Term Loans Origination Year																		Revolving loans amortized cost			Revolving loans converted to
As of December 31, 2025	2025			2024			2023			2022			2021			Prior			basis			term loans		Total
Internal Risk Grade:
Pass	$	346,057		$	90,623		$	79,353		$	157,220		$	57,987		$	18,929		$	2,104		$	0	$	752,273
Special Mention		682			446			821			6,741			3,794			1,171			13			0		13,668
Substandard		221			57			88			617			464			101			7			0		1,555
Doubtful		0			0			0			0			0			0			0			0		0

Total	$	346,960		$	91,126		$	80,262		$	164,578		$	62,245		$	20,201		$	2,124		$	0	$	767,496

Current-period charge-offs		(15	)		(185	)		(507	)		(4,547	)		(1,698	)		(783	)		0			0		(7,735	)
Current-period recoveries		0			7			78			642			273			429			0			0		1,429

Current-period net charge-offs	$	(15	)	$	(178	)	$	(429	)	$	(3,905	)	$	(1,425	)	$	(354	)	$	0		$	0	$	(6,306	)


(In thousands)	Term Loans Origination Year																		Revolving loans amortized cost		Revolving loans converted to
As of December 31, 2024	2024			2023			2022			2021			2020			Prior			basis		term loans		Total
Internal Risk Grade:
Pass	$	139,908		$	131,108		$	276,041		$	118,478		$	49,553		$	22,913		$	2,215	$	0	$	740,216
Special Mention		495			1,805			13,462			8,485			2,704			1,440			23		0		28,414
Substandard		76			182			2,454			1,106			358			261			10		0		4,447
Doubtful		0			0			0			0			0			0			0		0		0

Total	$	140,479		$	133,095		$	291,957		$	128,069		$	52,615		$	24,614		$	2,248	$	0	$	773,077

Current-period charge-offs		(28	)		(206	)		(5,724	)		(3,096	)		(869	)		(380	)		0		0		(10,303	)
Current-period recoveries		0			21			402			241			125			330			0		0		1,119

Current-period net charge-offs	$	(28	)	$	(185	)	$	(5,322	)	$	(2,855	)	$	(744	)	$	(50	)	$	0	$	0	$	(9,184	)