Loans As of September 30, 2025

Amortized Cost Basis by Origination Year

(unaudited, in thousands)

2025

2024

2023

2022

2021

Prior

Revolving Loans Amortized Cost Basis

Revolving Loans Converted to Term

Total

Commercial real estate: land and construction

Risk rating:

Pass

$

211,110

$

445,490

$

436,531

$

212,730

$

35,339

$

84,050

$

158,773

$

184,291

$

1,768,314

Criticized - compromised

—

—

—

39,199

—

528

—

3,704

43,431

Classified - substandard

—

—

324

—

—

1,499

—

13,074

14,897

Classified - doubtful

—

—

—

—

—

—

—

—

—

Total

$

211,110

$

445,490

$

436,855

$

251,929

$

35,339

$

86,077

$

158,773

$

201,069

$

1,826,642

Current-period gross charge-offs

$

—

$

—

$

—

$

—

$

—

$

—

$

—

$

—

$

—

Commercial real estate: improved property

Risk rating:

Pass

$

613,548

$

573,398

$

557,706

$

1,588,969

$

923,346

$

3,120,180

$

230,102

$

900,674

$

8,507,923

Criticized - compromised

—

30,812

12,040

47,668

20,426

70,982

30,170

91,987

304,085

Classified - substandard

242

19,524

6,195

37,490

4,149

37,620

424

11,076

116,720

Classified - doubtful

—

—

—

—

—

—

—

—

—

Total

$

613,790

$

623,734

$

575,941

$

1,674,127

$

947,921

$

3,228,782

$

260,696

$

1,003,737

$

8,928,728

Current-period gross charge-offs

$

—

$

—

$

112

$

—

$

142

$

4,209

$

—

$

35

$

4,498

Commercial and industrial

Risk rating:

Pass

$

262,085

$

246,645

$

180,396

$

348,792

$

190,032

$

325,939

$

912,743

$

175,439

$

2,642,071

Criticized - compromised

131

12,063

4,774

8,366

5,099

6,544

43,354

5,473

85,804

Classified - substandard

28

4,410

3,466

3,815

3,343

11,457

8,385

9,127

44,031

Classified - doubtful

—

—

—

—

—

—

—

—

—

Total

$

262,244

$

263,118

$

188,636

$

360,973

$

198,474

$

343,940

$

964,482

$

190,039

$

2,771,906

Current-period gross charge-offs

$

—

$

592

$

670

$

1,009

$

545

$

885

$

1,088

$

1,178

$

5,967

Residential real estate

Loan delinquency:

Current

$

190,965

$

194,660

$

264,926

$

737,854

$

634,654

$

1,033,050

$

—

$

824,991

$

3,881,100

30-59 days past due

—

—

—

—

—

1,257

—

—

1,257

60-89 days past due

417

887

1,246

3,104

2,844

7,639

—

2,779

18,916

90 days or more past due

84

1,157

3,077

5,052

3,120

12,419

—

2,287

27,196

Total

$

191,466

$

196,704

$

269,249

$

746,010

$

640,618

$

1,054,365

$

—

$

830,057

$

3,928,469

Current-period gross charge-offs

$

—

$

10

$

118

$

452

$

—

$

211

$

—

$

71

$

862

Home equity

Loan delinquency:

Current

$

13,279

$

3,578

$

2,295

$

2,804

$

1,801

$

23,175

$

1,005,803

$

17,428

$

1,070,163

30-59 days past due

—

693

610

890

178

1,706

6,169

244

10,490

60-89 days past due

25

758

1,043

738

174

1,174

108

513

4,533

90 days or more past due

—

556

1,463

876

539

2,492

24

500

6,450

Total

$

13,304

$

5,585

$

5,411

$

5,308

$

2,692

$

28,547

$

1,012,104

$

18,685

$

1,091,636

Current-period gross charge-offs

$

—

$

21

$

440

$

322

$

98

$

334

$

42

$

14

$

1,271

Consumer

Loan delinquency:

Current

$

50,608

$

82,620

$

73,158

$

84,699

$

27,349

$

28,068

$

28,036

$

156

$

374,694

30-59 days past due

221

1,342

1,348

1,473

535

407

96

9

5,431

60-89 days past due

98

405

803

572

205

266

—

—

2,349

90 days or more past due

34

247

607

739

209

383

—

—

2,219

Total

$

50,961

$

84,614

$

75,916

$

87,483

$

28,298

$

29,124

$

28,132

$

165

$

384,693

Current-period gross charge-offs

$

148

$

1,901

$

1,277

$

1,820

$

717

$

470

$

—

$

—

$

6,333