Non-Accrual Loans and Loans Still Accruing and Past Due 90 Days or More

The Company’s nonaccrual loans and loans still accruing and past due 90 days or more are as follows (dollars in thousands):


	September 30,				December 31,
	2025		2024		2024
Nonaccrual loans	$	56,394	$	63,378	$	61,938
Loans still accruing and past due 90 days or more		151		504		287
Total nonperforming loans	$	56,545	$	63,882	$	62,225

Changes in Allowance for Loan Losses

Summary information on the allowance for credit losses for the three and nine-months ended September 30, 2025 and 2024, are outlined by portfolio segment in the following tables (dollars in thousands):


Three-Months Ended September 30, 2025	C&I			Municipal			Agricultural			Construction & Development		Farm
Beginning balance	$	17,874		$	361		$	937		$	22,047	$	2,784
Provision for loan losses		18,051			(23	)		(2	)		881		(94	)
Recoveries		108			—			—			4		—
Charge-offs		(17,696	)		—			—			—		—
Ending balance	$	18,337		$	338		$	935		$	22,932	$	2,690


Three-Months Ended September 30, 2025 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE			Residential			Auto			Non-Auto			Total
Beginning balance	$	14,008	$	21,258		$	21,477		$	1,546		$	500		$	102,792
Provision for loan losses		1,175		4,371			713			333			101			25,506
Recoveries		14		5			35			103			3			272
Charge-offs		—		(4,230	)		(163	)		(384	)		(139	)		(22,612	)
Ending balance	$	15,197	$	21,404		$	22,062		$	1,598		$	465		$	105,958


Three-Months Ended September 30, 2024	C&I			Municipal			Agricultural			Construction & Development			Farm
Beginning balance	$	15,251		$	239		$	1,931		$	23,511		$	2,902
Provision for loan losses		1,665			(42	)		294			(3,164	)		272
Recoveries		257			—			8			—			—
Charge-offs		(398	)		—			(8	)		—			—
Ending balance	$	16,775		$	197		$	2,225		$	20,347		$	3,174


Three-Months Ended September 30, 2024 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential			Auto			Non-Auto			Total
Beginning balance	$	13,028	$	21,054	$	15,668		$	1,073		$	513		$	95,170
Provision for loan losses		869		1,827		3,243			321			267			5,552
Recoveries		3		38		—			145			42			493
Charge-offs		—		—		(174	)		(428	)		(271	)		(1,279	)
Ending balance	$	13,900	$	22,919	$	18,737		$	1,111		$	551		$	99,936


Nine-Months Ended September 30, 2025	C&I			Municipal		Agricultural			Construction & Development			Farm
Beginning balance	$	15,436		$	200	$	1,653		$	19,861		$	2,871
Provision for loan losses		20,707			138		(792	)		3,105			(182	)
Recoveries		301			—		74			6			1
Charge-offs		(18,107	)		—		—			(40	)		—
Ending balance	$	18,337		$	338	$	935		$	22,932		$	2,690


Nine-Months Ended September 30, 2025 (continued)	Non-Owner Occupied CRE			Owner Occupied CRE			Residential			Auto			Non- Auto			Total
Beginning balance	$	14,664		$	21,413		$	20,488		$	1,186		$	553		$	98,325
Provision for loan losses		761			4,084			2,081			982			45			30,929
Recoveries		22			312			60			430			245			1,451
Charge-offs		(250	)		(4,405	)		(567	)		(1,000	)		(378	)		(24,747	)
Ending balance	$	15,197		$	21,404		$	22,062		$	1,598		$	465		$	105,958


Nine-Months Ended September 30, 2024	C&I			Municipal		Agricultural			Construction & Development			Farm
Beginning balance	$	15,698		$	195	$	1,281		$	28,553		$	2,914
Provision for loan losses		1,376			2		952			(8,173	)		260
Recoveries		545			—		59			—			—
Charge-offs		(844	)		—		(67	)		(33	)		—
Ending balance	$	16,775		$	197	$	2,225		$	20,347		$	3,174


Nine-Months Ended September 30, 2024 (continued)	Non-Owner Occupied CRE			Owner Occupied CRE		Residential			Auto			Non- Auto			Total
Beginning balance	$	13,425		$	13,813	$	11,654		$	810		$	391		$	88,734
Provision for loan losses		454			8,988		7,168			1,111			580			12,718
Recoveries		34			118		100			346			113			1,315
Charge-offs		(13	)		—		(185	)		(1,156	)		(533	)		(2,831	)
Ending balance	$	13,900		$	22,919	$	18,737		$	1,111		$	551		$	99,936

Schedule of Allowance for Loan Losses by Portfolio Segment

The Company’s allowance for loans that are individually evaluated for credit losses and collectively evaluated for credit losses as of September 30, 2025 and 2024, and December 31, 2024, are summarized in the following table by loan segment (dollars in thousands). Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.


September 30, 2025	C&I		Municipal		Agricultural		Construction & Development		Farm
Loans individually evaluated for credit losses	$	8,334	$	152	$	511	$	1,777	$	237
Loans collectively evaluated for credit losses		10,003		186		424		21,155		2,453
Total	$	18,337	$	338	$	935	$	22,932	$	2,690


September 30, 2025 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential		Auto		Non-Auto		Total
Loans individually evaluated for credit losses	$	4,285	$	7,081	$	3,993	$	8	$	3	$	26,381
Loans collectively evaluated for credit losses		10,912		14,323		18,069		1,590		462		79,577
Total	$	15,197	$	21,404	$	22,062	$	1,598	$	465	$	105,958


September 30, 2024	C&I		Municipal		Agricultural		Construction & Development		Farm
Loans individually evaluated for credit losses	$	5,351	$	—	$	1,728	$	591	$	989
Loans collectively evaluated for credit losses		11,424		197		497		19,756		2,185
Total	$	16,775	$	197	$	2,225	$	20,347	$	3,174


September 30, 2024 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential		Auto		Non-Auto		Total
Loans individually evaluated for credit losses	$	3,449	$	9,597	$	3,017	$	5	$	165	$	24,892
Loans collectively evaluated for credit losses		10,451		13,322		15,720		1,106		386		75,044
Total	$	13,900	$	22,919	$	18,737	$	1,111	$	551	$	99,936


December 31, 2024	C&I		Municipal		Agricultural		Construction & Development		Farm
Loans individually evaluated for credit losses	$	4,505	$	—	$	1,165	$	491	$	450
Loans collectively evaluated for credit losses		10,931		200		488		19,370		2,421
Total	$	15,436	$	200	$	1,653	$	19,861	$	2,871


December 31, 2024 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential		Auto		Non-Auto		Total
Loans individually evaluated for credit losses	$	4,258	$	8,158	$	3,660	$	6	$	124	$	22,817
Loans collectively evaluated for credit losses		10,406		13,255		16,828		1,180		429		75,508
Total	$	14,664	$	21,413	$	20,488	$	1,186	$	553	$	98,325

Schedule of Company's Internal Ratings of its Loans Held-for-Investment, Including The Year of Origination, by Portfolio Segments

The following summarizes the Company’s internal ratings of its loans held-for-investment, including the year of origination, by portfolio segments, at September 30, 2025 (dollars in millions):


September 30,	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
C&I
Risk rating:
Pass	$	514	$	324	$	136	$	102	$	22	$	37	$	—	$	1,135
Special mention		5		3		1		1		15		1		—		26
Substandard		7		3		2		2		—		—		—		14
Doubtful		—		—		—		—		—		—		—		—
Total	$	526	$	330	$	139	$	105	$	37	$	38	$	—	$	1,175
Year-to-Date Gross Charge-Offs	$	—	$	—	$	17	$	—	$	—	$	—	$	—	$	17


September 30,	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
Municipal
Risk rating:
Pass	$	124	$	50	$	24	$	71	$	11	$	59	$	—	$	339
Special mention		—		—		—		1		—		8		—		9
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	124	$	50	$	24	$	72	$	11	$	67	$	—	$	348
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
Agricultural
Risk rating:
Pass	$	62	$	17	$	3	$	3	$	1	$	—	$	—	$	86
Special mention		—		—		—		—		—		—		—		—
Substandard		1		1		—		1		—		—		—		3
Doubtful		—		—		—		—		—		—		—		—
Total	$	63	$	18	$	3	$	4	$	1	$	—	$	—	$	89
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
Construction & Development
Risk rating:
Pass	$	641	$	327	$	99	$	71	$	46	$	14	$	1	$	1,199
Special mention		1		—		—		—		—		—		—		1
Substandard		6		6		1		1		1		—		—		15
Doubtful		—		—		—		—		—		—		—		—
Total	$	648	$	333	$	100	$	72	$	47	$	14	$	1	$	1,215
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
Farm
Risk rating:
Pass	$	70	$	61	$	36	$	58	$	55	$	33	$	—	$	313
Special mention		—		—		—		—		—		—		—		—
Substandard		1		—		—		4		1		4		—		10
Doubtful		—		—		—		—		—		—		—		—
Total	$	71	$	61	$	36	$	62	$	56	$	37	$	—	$	323
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
Non-Owner Occupied CRE
Risk rating:
Pass	$	138	$	104	$	61	$	248	$	115	$	99	$	—	$	765
Special mention		—		—		2		6		3		1		—		12
Substandard		7		—		3		2		9		4		—		25
Doubtful		—		—		—		—		—		—		—		—
Total	$	145	$	104	$	66	$	256	$	127	$	104	$	—	$	802
Year-to-Date Gross Charge-Offs	$	—	$	—	$	1	$	—	$	—	$	—	$	—	$	1


September 30,	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
Owner Occupied CRE
Risk rating:
Pass	$	182	$	140	$	112	$	254	$	161	$	198	$	—	$	1,047
Special mention		—		9		1		1		7		1		—		19
Substandard		1		—		8		29		7		8		—		53
Doubtful		—		—		—		—		—		—		—		—
Total	$	183	$	149	$	121	$	284	$	175	$	207	$	—	$	1,119
Year-to-Date Gross Charge-Offs	$	—	$	—	$	4	$	—	$	—	$	—	$	—	$	4


September 30,	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
Residential
Risk rating:
Pass	$	435	$	410	$	313	$	355	$	226	$	281	$	227	$	2,247
Special mention		—		4		1		1		2		2		—		10
Substandard		3		9		8		12		3		14		3		52
Doubtful		—		—		—		—		—		—		—		—
Total	$	438	$	423	$	322	$	368	$	231	$	297	$	230	$	2,309
Year-to-Date Gross Charge-Offs	$	—	$	—	$	1	$	—	$	—	$	—	$	—	$	1


September 30,	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
Auto
Risk rating:
Pass	$	298	$	242	$	78	$	75	$	19	$	3	$	—	$	715
Special mention		—		—		—		—		—		—		—		—
Substandard		—		1		1		1		—		—		—		3
Doubtful		—		—		—		—		—		—		—		—
Total	$	298	$	243	$	79	$	76	$	19	$	3	$	—	$	718
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	1	$	—	$	—	$	—	$	1


September 30,	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
Non-Auto
Risk rating:
Pass	$	56	$	38	$	20	$	17	$	6	$	1	$	7	$	145
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		1		—		—		—		1
Doubtful		—		—		—		—		—		—		—		—
Total	$	56	$	38	$	20	$	18	$	6	$	1	$	7	$	146
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Total
Total Loans
Risk rating:
Pass	$	2,520	$	1,713	$	882	$	1,254	$	662	$	725	$	235	$	7,991
Special mention		6		16		5		10		27		13		—		77
Substandard		26		20		23		53		21		30		3		176
Doubtful		—		—		—		—		—		—		—		—
Total	$	2,552	$	1,749	$	910	$	1,317	$	710	$	768	$	238	$	8,244
Year-to-Date Gross Charge-Offs	$	—	$	—	$	23	$	1	$	—	$	—	$	—	$	24

The following summarizes the Company’s internal ratings of its loans held-for-investment, including the year of origination, by portfolio segments, at September 30, 2024 (dollars in millions):


September 30,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
C&I
Risk rating:
Pass	$	533	$	331	$	175	$	57	$	25	$	30	$	—	$	1,151
Special mention		9		1		—		—		—		—		—		10
Substandard		5		3		3		1		1		2		—		15
Doubtful		—		—		—		—		—		—		—		—
Total	$	547	$	335	$	178	$	58	$	26	$	32	$	—	$	1,176
Year-to-Date Gross Charge-Offs	$	—	$	1	$	—	$	—	$	—	$	—	$	—	$	1


September 30,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Municipal
Risk rating:
Pass	$	131	$	29	$	79	$	13	$	9	$	73	$	—	$	334
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	131	$	29	$	79	$	13	$	9	$	73	$	—	$	334
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Agricultural
Risk rating:
Pass	$	53	$	19	$	5	$	2	$	1	$	—	$	—	$	80
Special mention		—		—		—		—		—		—		—		—
Substandard		3		—		—		—		—		—		—		3
Doubtful		—		—		—		—		—		—		—		—
Total	$	56	$	19	$	5	$	2	$	1	$	—	$	—	$	83
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Construction & Development
Risk rating:
Pass	$	513	$	227	$	180	$	57	$	17	$	9	$	1	$	1,004
Special mention		2		—		—		—		—		—		—		2
Substandard		5		2		1		—		—		—		—		8
Doubtful		—		—		—		—		—		—		—		—
Total	$	520	$	229	$	181	$	57	$	17	$	9	$	1	$	1,014
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Farm
Risk rating:
Pass	$	76	$	44	$	76	$	65	$	20	$	25	$	—	$	306
Special mention		—		—		—		—		—		—		—		—
Substandard		—		1		4		—		4		1		—		10
Doubtful		—		—		—		—		—		—		—		—
Total	$	76	$	45	$	80	$	65	$	24	$	26	$	—	$	316
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Non-Owner Occupied CRE
Risk rating:
Pass	$	147	$	91	$	244	$	155	$	60	$	91	$	—	$	788
Special mention		1		—		—		1		—		1		—		3
Substandard		3		3		1		7		6		15		—		35
Doubtful		—		—		—		—		—		—		—		—
Total	$	151	$	94	$	245	$	163	$	66	$	107	$	—	$	826
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Owner Occupied CRE
Risk rating:
Pass	$	128	$	138	$	279	$	185	$	104	$	166	$	—	$	1,000
Special mention		2		5		—		5		1		1		—		14
Substandard		2		4		42		13		1		11		—		73
Doubtful		—		—		—		—		—		—		—		—
Total	$	132	$	147	$	321	$	203	$	106	$	178	$	—	$	1,087
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Residential
Risk rating:
Pass	$	448	$	392	$	392	$	278	$	136	$	246	$	167	$	2,059
Special mention		2		1		1		2		—		2		—		8
Substandard		4		7		12		3		4		11		4		45
Doubtful		—		—		—		—		—		—		—		—
Total	$	454	$	400	$	405	$	283	$	140	$	259	$	171	$	2,112
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


September 30,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Auto
Risk rating:
Pass	$	271	$	137	$	144	$	45	$	14	$	4	$	—	$	615
Special mention		—		—		—		—		—		—		—		—
Substandard		—		1		1		1		—		—		—		3
Doubtful		—		—		—		—		—		—		—		—
Total	$	271	$	138	$	145	$	46	$	14	$	4	$	—	$	618
Year-to-Date Gross Charge-Offs	$	—	$	—	$	1	$	—	$	—	$	—	$	—	$	1


September 30,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Non-Auto
Risk rating:
Pass	$	59	$	42	$	31	$	15	$	2	$	1	$	7	$	157
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		1		—		—		—		—		1
Doubtful		—		—		—		—		—		—		—		—
Total	$	59	$	42	$	32	$	15	$	2	$	1	$	7	$	158
Year-to-Date Gross Charge-Offs	$	—	$	—	$	1	$	—	$	—	$	—	$	—	$	1


September 30,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Total Loans
Risk rating:
Pass	$	2,359	$	1,450	$	1,605	$	872	$	388	$	645	$	175	$	7,494
Special mention		16		7		1		8		1		4		—		37
Substandard		22		21		65		25		16		40		4		193
Doubtful		—		—		—		—		—		—		—		—
Total	$	2,397	$	1,478	$	1,671	$	905	$	405	$	689	$	179	$	7,724
Year-to-Date Gross Charge-Offs	$	—	$	1	$	2	$	—	$	—	$	—	$	—	$	3

The following summarizes the Company’s internal ratings of its loans held-for-investment, including the year of origination, by portfolio segments, at December 31, 2024 (dollars in millions):


December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
C&I
Risk rating:
Pass	$	677	$	226	$	146	$	45	$	23	$	30	$	—	$	1,147
Special mention		7		—		1		—		1		—		—		9
Substandard		12		3		4		1		—		1		—		21
Doubtful		—		—		—		—		—		—		—		—
Total	$	696	$	229	$	151	$	46	$	24	$	31	$	—	$	1,177
Year-to-Date Gross Charge-Offs	$	—	$	1	$	—	$	—	$	—	$	—	$	—	$	1


December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Municipal
Risk rating:
Pass	$	175	$	26	$	77	$	12	$	8	$	71	$	—	$	369
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	175	$	26	$	77	$	12	$	8	$	71	$	—	$	369
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Agricultural
Risk rating:
Pass	$	76	$	8	$	4	$	2	$	1	$	—	$	—	$	91
Special mention		—		—		—		—		—		—		—		—
Substandard		3		—		1		—		—		—		—		4
Doubtful		—		—		—		—		—		—		—		—
Total	$	79	$	8	$	5	$	2	$	1	$	—	$	—	$	95
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Construction & Development
Risk rating:
Pass	$	667	$	133	$	166	$	55	$	14	$	8	$	1	$	1,044
Special mention		1		—		—		—		—		—		—		1
Substandard		7		1		1		1		—		—		—		10
Doubtful		—		—		—		—		—		—		—		—
Total	$	675	$	134	$	167	$	56	$	14	$	8	$	1	$	1,055
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Farm
Risk rating:
Pass	$	114	$	42	$	72	$	60	$	18	$	23	$	—	$	329
Special mention		—		—		—		—		—		—		—		—
Substandard		1		1		4		—		4		1		—		11
Doubtful		—		—		—		—		—		—		—		—
Total	$	115	$	43	$	76	$	60	$	22	$	24	$	—	$	340
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Non-Owner Occupied CRE
Risk rating:
Pass	$	166	$	86	$	242	$	133	$	58	$	81	$	—	$	766
Special mention		4		2		1		1		—		1		—		9
Substandard		10		2		3		6		7		3		—		31
Doubtful		—		—		—		—		—		—		—		—
Total	$	180	$	90	$	246	$	140	$	65	$	85	$	—	$	806
Year-to-Date Gross Charge-Offs	$	—	$	1	$	—	$	—	$	—	$	—	$	—	$	1


December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Owner Occupied CRE
Risk rating:
Pass	$	170	$	128	$	270	$	177	$	99	$	160	$	—	$	1,004
Special mention		2		—		5		7		—		1		—		15
Substandard		1		14		30		10		1		8		—		64
Doubtful		—		—		—		—		—		—		—		—
Total	$	173	$	142	$	305	$	194	$	100	$	169	$	—	$	1,083
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Residential
Risk rating:
Pass	$	606	$	367	$	378	$	266	$	105	$	232	$	188	$	2,142
Special mention		1		1		1		3		—		2		—		8
Substandard		5		7		12		4		4		12		2		46
Doubtful		—		—		—		—		—		—		—		—
Total	$	612	$	375	$	391	$	273	$	109	$	246	$	190	$	2,196
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Auto
Risk rating:
Pass	$	338	$	122	$	126	$	38	$	10	$	2	$	—	$	636
Special mention		—		—		—		—		—		—		—		—
Substandard		1		1		1		1		—		—		—		4
Doubtful		—		—		—		—		—		—		—		—
Total	$	339	$	123	$	127	$	39	$	10	$	2	$	—	$	640
Year-to-Date Gross Charge-Offs	$	—	$	1	$	1	$	—	$	—	$	—	$	—	$	2


December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Non-Auto
Risk rating:
Pass	$	68	$	35	$	25	$	14	$	2	$	1	$	7	$	152
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		1		—		—		—		—		1
Doubtful		—		—		—		—		—		—		—		—
Total	$	68	$	35	$	26	$	14	$	2	$	1	$	7	$	153
Year-to-Date Gross Charge-Offs	$	—	$	—	$	1	$	—	$	—	$	—	$	—	$	1


December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Total
Total Loans
Risk rating:
Pass	$	3,057	$	1,173	$	1,506	$	802	$	338	$	608	$	196	$	7,680
Special mention		15		3		8		11		1		4		—		42
Substandard		40		29		57		23		16		25		2		192
Doubtful		—		—		—		—		—		—		—		—
Total	$	3,112	$	1,205	$	1,571	$	836	$	355	$	637	$	198	$	7,914
Year-to-Date Gross Charge-Offs	$	—	$	3	$	2	$	—	$	—	$	—	$	—	$	5