
(in thousands)	September 30, 2025	December 31, 2024

Commercial and industrial	$547,311	$410,040
Commercial real estate
Multifamily	5,448,374	2,794,581
Non-owner occupied	1,864,040	1,657,597
Owner occupied	709,239	360,100
Construction and land development	535,776	104,430
Residential real estate	3,907,101	2,280,963
Auto	954,615	1,596,935
Other consumer	602,339	438,851
Total loan and lease receivables before allowance for credit losses	14,568,795	9,643,497

Allowance for credit losses on loans and leases	(168,959)	(88,558)
Net loan and lease receivables	$14,399,836	$9,554,939


(in thousands)	Commercial and Industrial	Commercial Real Estate	Residential Real Estate	Auto	Other Consumer	Total

Quarter Ended September 30, 2024
Allowance for credit losses on loans and leases
Beginning balance	$5,409	$34,092	$6,741	$58,698	$3,081	$108,021
Provision for credit losses	(103)	590	58	5,730	455	6,730
Loans charged off	(313)	—	—	(13,318)	(941)	(14,572)
Recoveries	12	—	—	3,025	265	3,302
Ending balance	$5,005	$34,682	$6,799	$54,135	$2,860	$103,481


(in thousands)	Commercial and Industrial	Commercial Real Estate	Residential Real Estate	Auto	Other Consumer	Total

Nine Months Ended September 30, 2025
Allowance for credit losses on loans and leases
Beginning balance	$4,869	$35,097	$4,656	$41,282	$2,654	$88,558
Initial allowance on acquired PCD loans (1)	15,923	42,934	4,612	1	24	63,494
Provision for credit losses	2,864	23,282	12,934	2,144	1,439	42,663
Loans charged off	(705)	(250)	(9)	(32,125)	(1,880)	(34,969)
Recoveries	293	—	—	8,431	489	9,213
Ending balance	$23,244	$101,063	$22,193	$19,733	$2,726	$168,959

(1)ACL on loans identified as PCD on the Merger date. For additional discussion on PCD loans, refer to Note 1, “Summary of Significant

Accounting Policies,” and Note 2, “Business Combination.”


(in thousands)	Commercial and Industrial	Commercial Real Estate	Residential Real Estate	Auto	Other Consumer	Total

Nine Months Ended September 30, 2024
Allowance for credit losses on loans and leases
Beginning balance	$5,805	$31,486	$6,745	$87,053	$2,689	$133,778
Provision (reversal of provision) for credit losses	(1,219)	3,196	64	(1,567)	2,210	2,684
Loans charged off	(525)	—	(10)	(42,850)	(2,649)	(46,034)
Recoveries	944	—	—	11,499	610	13,053
Ending balance	$5,005	$34,682	$6,799	$54,135	$2,860	$103,481

In addition to the ACL for LHFI, the Company maintains a separate allowance for unfunded loan commitments, which is

included in interest payable and other liabilities on the consolidated balance sheets. The following table presents changes in

the allowance for credit losses on unfunded lending commitments for the quarter and nine months ended September 30,

2025 and 2024:


	Quarter Ended September 30,		Nine Months Ended September 30,
(in thousands)	2025	2024	2025	2024

Allowance for credit losses on unfunded lending commitments
Beginning balance	$3,735	$4,818	$4,366	$4,314
Initial allowance on acquired loans	3,736	—	3,736	—
Provision for credit losses	960	13	329	517
Ending balance	$8,431	$4,831	$8,431	$4,831

Management considers the level of ACL to be appropriate to cover credit losses expected over the life of the loans for the

LHFI portfolio. The cumulative loss rate used as the basis for the estimate of credit losses is comprised of the Company’s

historical loss experience and qualitative factors for current and forecasted periods.

As of September 30, 2025, the historical expected loss rates decreased when compared to December 31, 2024 due to

product mix, composition changes and lower modeled losses. During the quarter and nine months ended September 30,

2025, the qualitative factors increased due to increased maturity, repricing, collateral, concentration and other model risk.

There were no material changes to the methodologies for estimating credit losses for the periods presented.

Disclosures related to the amortized cost in loans excludes accrued interest receivable. The Company has elected to exclude

accrued interest receivable from the evaluation of the allowance for credit losses. Accrued interest receivable on loans held

for investment was $54.9 million and $33.6 million at September 30, 2025 and December 31, 2024, respectively, and is

included in interest receivable and other assets on the consolidated balance sheets.

Credit Quality

Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and

individually classified impaired loans. Loans whose repayments are insured by the Federal Housing Administration (FHA),

guaranteed by the Department of Veterans’ Affairs (VA) or Ginnie Mae (GNMA) are maintained on accrual status even if

90 days or more past due.

The following table presents the amortized cost in nonaccrual loans and loans past due 90 days or more and still accruing

by class of loans as of September 30, 2025 and December 31, 2024:


	September 30, 2025
(in thousands)	Nonaccrual With No Allowance for Credit Loss	Total Nonaccrual	Loans Past Due 90 Days or More Still Accruing

Commercial and industrial	$1,303	$23,707	$—
Commercial real estate
Multifamily	1,816	3,430	—
Non-owner occupied	3,371	15,018	—
Owner occupied	1,177	2,854	—
Construction and land development	140	2,987	—
Residential real estate	1,302	7,596	2,653
Auto	1	4,986	—
Other consumer	8	8	—
Total	$9,118	$60,586	$2,653


	December 31, 2024
(in thousands)	Nonaccrual With No Allowance for Credit Loss	Total Nonaccrual	Loans Past Due 90 Days or More Still Accruing

Commercial and industrial	$1,145	$1,145	$211
Commercial real estate
Multifamily	—	—	—
Non-owner occupied	—	—	—
Owner occupied	—	—	—
Construction and land development	441	441	—
Residential real estate	2,854	2,854
Auto	564	6,252	—
Other consumer	1	1	—
Total	$5,005	$10,693	$211

The following table presents the amortized cost of collateral-dependent loans by class and collateral type as of

September 30, 2025 and December 31, 2024:


	September 30, 2025
(in thousands)	Auto	Equipment	Farmland	Multifamily	Retail Building	Single Family Residential	Other non- real estate	Total Loans

Commercial and industrial	$—	$293	$3,848	$—	$1,015	$2,808	$12,858	$20,822
Commercial real estate
Multifamily	—	—	—	17,892	—	—	—	17,892
Non-owner occupied	—	—	—	—	15,018	—	—	15,018
Owner occupied	—	—	—	—	2,090	—	—	2,090
Construction and land development	—	—	2,987	—	—	—	—	2,987
Residential real estate	—	—	—	165	—	1,892	—	2,057
Total	$—	$293	$6,835	$18,057	$18,123	$4,700	$12,858	$60,866


	December 31, 2024
(in thousands)	Auto	Equipment	Farmland	Multifamily	Retail Building	Single Family Residential	Other non- real estate	Total Loans

Commercial and industrial	$5	$10	$—	$—	$1,064	$—	$—	$1,079
Commercial real estate
Construction and land development	—	—	441	—	—	—	—	441
Residential real estate	—	—	—	—	—	2,853	—	2,853
Total	$5	$10	$441	$—	$1,064	$2,853	$—	$4,373

The following tables present the aging of the amortized cost in past due loans as of September 30, 2025 and December 31,

2024 by class of loans:


	September 30, 2025
(in thousands)	30-59 Days Past Due	60-89 Days Past Due	Greater than 89 Days Past Due	Total Past Due	Loans Not Past Due	Total Loans

Commercial and industrial	$1,876	$436	$9,178	$11,490	$535,821	$547,311
Commercial real estate
Multifamily	2,095	—	1,614	3,709	5,444,665	5,448,374
Non-owner occupied	1,000	—	14,018	15,018	1,849,022	1,864,040
Owner occupied	—	—	1,177	1,177	708,062	709,239
Construction and land development	1,204	—	2,987	4,191	531,585	535,776
Residential real estate	12,756	3,033	6,422	22,211	3,884,890	3,907,101
Auto	24,693	7,615	2,915	35,223	919,392	954,615
Other consumer	1,054	121	5	1,180	601,159	602,339
Total	$44,678	$11,205	$38,316	$94,199	$14,474,596	$14,568,795


	December 31, 2024
(in thousands)	30-59 Days Past Due	60-89 Days Past Due	Greater than 89 Days Past Due	Total Past Due	Loans Not Past Due	Total Loans

Commercial and industrial	$1,920	$82	$278	$2,280	$407,760	$410,040
Commercial and industrial
Multifamily	1,940	—	—	1,940	2,792,641	2,794,581
Non-owner occupied	513	—	—	513	1,657,084	1,657,597
Owner occupied	1,005	—	—	1,005	359,095	360,100
Construction and land development	5,400	—	140	5,540	98,890	104,430
Residential real estate	13,662	406	502	14,570	2,266,393	2,280,963
Auto	53,197	12,637	5,161	70,995	1,525,940	1,596,935
Other consumer	361	214	1	576	438,275	438,851
Total	$77,998	$13,339	$6,082	$97,419	$9,546,078	$9,643,497

The following tables present the amortized cost of loans at September 30, 2025 and 2024 that were both experiencing

financial difficulty and modified during the quarters and nine months ended September 30, 2025 and 2024, by class and by

type of modification. The percentage of the amortized cost of loans that were modified to borrowers in financial distress as

compared to the amortized cost of each class of financing receivable is also presented below.


	Quarter Ended September 30, 2025
(in thousands)	Principal Forgiveness	Payment Delay	Term Extension	Interest Rate Reduction	Combined Term Extension and Principal Forgiveness	Combined Term Extension and Interest Rate Reduction	Combined Payment Delay and Term Extension	Total Class of Financing Receivable

Commercial and industrial	$—	$11,760	$68	$—	$—	$—	$4,158	2.92%
Commercial real estate
Construction and land development	—	—	—	—	—	—	2,847	0.53%
Residential real estate	—	206	—	—	—	—	1,344	0.04%
Total	$—	$11,966	$68	$—	$—	$—	$8,349	0.14%

	Quarter Ended September 30, 2024
(in thousands)	Principal Forgiveness	Payment Delay	Term Extension	Interest Rate Reduction	Combined Term Extension and Principal Forgiveness	Combined Term Extension and Interest Rate Reduction	Combined Payment Delay and Term Extension	Total Class of Financing Receivable

Commercial and industrial	$—	$—	$788	$—	$—	$—	$—	0.19%
Residential real estate	—	—	204	—	—	—	—	0.01%
Total	$—	$—	$992	$—	$—	$—	$—	0.01%

	Nine Months Ended September 30, 2025
(in thousands)	Principal Forgiveness	Payment Delay	Term Extension	Interest Rate Reduction	Combined Term Extension and Principal Forgiveness	Combined Term Extension and Interest Rate Reduction	Combined Payment Delay and Term Extension	Total Class of Financing Receivable

Commercial and industrial	$—	$11,760	$176	$—	$—	$—	$5,813	3.24%
Commercial real estate
Multifamily	—	1,614	—	—	—	—	—	0.03%
Construction and land development	—	—	—	—	—	—	2,847	0.53%
Residential real estate	—	206	—	—	—	—	1,861	0.05%
Total	$—	$13,580	$176	$—	$—	$—	$10,521	0.17%

	Nine Months Ended September 30, 2024
(in thousands)	Principal Forgiveness	Payment Delay	Term Extension	Interest Rate Reduction	Combined Term Extension and Principal Forgiveness	Combined Term Extension and Interest Rate Reduction	Combined Payment Delay and Term Extension	Total Class of Financing Receivable

Commercial and industrial	$—	$—	$1,003	$—	$—	$—	$—	0.24%
Commercial real estate
Non-owner occupied	—	—	15,978	—	—	—	—	0.93%
Residential real estate	—	—	204	—	—	—	—	0.01%
Total	$—	$—	$17,185	$—	$—	$—	$—	0.17%

The Company has committed to lend no additional amounts to the borrowers included in the previous tables.

The following tables present the financial effect of the loan modifications presented above to borrowers experiencing

financial difficulty for the quarters and nine months ended September 30, 2025 and 2024:


	Quarter Ended September 30, 2025
(dollars in thousands)	Principal Forgiveness	Weighted- Average Interest Rate Reduction	Weighted- Average Term Extension <months>

Commercial and industrial	$—	—%	18
Commercial real estate
Construction and land development	—	—%	18
Residential real estate	—	—%	67
Total	$—	—%	26

	Quarter Ended September 30, 2024
(dollars in thousands)	Principal Forgiveness	Weighted- Average Interest Rate Reduction	Weighted- Average Term Extension <months>

Commercial and industrial	$—	—%	20
Residential real estate	—	—%	12
Total	$—	—%	18


	Nine Months Ended September 30, 2025
(dollars in thousands)	Principal Forgiveness	Weighted- Average Interest Rate Reduction	Weighted- Average Term Extension <months>

Commercial and industrial	$—	—%	25
Commercial real estate
Construction and land development	—	—%	18
Residential real estate	—	—%	70
Total	$—	—%	31

	Nine Months Ended September 30, 2024
(dollars in thousands)	Principal Forgiveness	Weighted- Average Interest Rate Reduction	Weighted- Average Term Extension <months>

Commercial and industrial	$—	—%	28
Commercial real estate
Non-owner occupied	—	—%	9
Residential real estate	—	—%	12
Total	$—	—%	10

The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to

understand the effectiveness of its modification efforts.

The following table presents the amortized cost of loans that had a payment default (i.e. borrower missed a regularly

scheduled payment) and were past due for the quarter ended September 30, 2025 and that were modified in the last 12

months.


	September 30, 2025
(in thousands)	30-59 Days Past Due	60-89 Days Past Due	Greater than 89 Days Past Due	Total Past Due

Commercial and industrial	$—	$—	$4,158	$4,158
Commercial real estate
Construction and land development	—	—	2,847	2,847
Residential real estate	408	—	—	408
Total	$408	$—	$7,005	$7,413

The following table presents the amortized cost of loans that had a payment default and were past due for the quarter ended

September 30, 2024 and that were modified in the last 12 months.


	September 30, 2024
(in thousands)	30-59 Days Past Due	60-89 Days Past Due	Greater than 89 Days Past Due	Total Past Due

Commercial and industrial	$447	$—	$—	$447
Total	$447	$—	$—	$447

The following table presents the amortized cost of loans that had a payment default and were past due for the nine months

ended September 30, 2025 that were modified in the last 12 months.


	September 30, 2025
(in thousands)	30-59 Days Past Due	60-89 Days Past Due	Greater than 89 Days Past Due	Total Past Due

Commercial and industrial	$—	$—	$4,158	$4,158
Commercial real estate
Multifamily	—	—	1,614	1,614
Construction and land development	—	—	2,847	2,847
Residential real estate	408	—	—	408
Total	$408	$—	$8,619	$9,027

The following table presents the amortized cost of loans that had a payment default and were past due for the nine months

ended September 30, 2024 that were modified in the last 12 months.


	September 30, 2024
(in thousands)	30-59 Days Past Due	60-89 Days Past Due	Greater than 89 Days Past Due	Total Past Due

Commercial and industrial	$447	$—	$—	$447
Total	$447	$—	$—	$447

Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible,

the loan (or a portion of the loan) is written off. Therefore, the amortized cost of the loan is reduced by the uncollectible

amount and the allowance for credit losses is adjusted by the same amount.

Credit Quality Indicators:

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service

their debt such as: current financial information, historical payment experience, credit documentation, public information,

current economic trends and other factors. The Company analyzes loans individually by classifying the loans as to credit

risk. This analysis includes all loans regardless of balances. This analysis is performed on a quarterly basis.

The Company uses the following definitions for risk ratings:

Special Mention. Loans classified as special mention have a potential weakness that deserves management's

close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment

prospects for the loan or of the institution's credit position at some future date.

Substandard. Loans classified as substandard are inadequately protected by the current net 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. They are characterized by the distinct possibility that the

institution will sustain some loss if the deficiencies are not corrected.

Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with

the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently

existing facts, conditions, and values, highly questionable and improbable.

Loans not meeting the criteria above are considered to be pass rated loans.

Based on the most recent analysis performed, the following table presents the amortized cost, by risk category of loans and

origination year, for commercial and industrial and commercial real estate loan classes at September 30, 2025 and

December 31, 2024. In addition, year-to-date charge-offs for the nine months ended September 30, 2025 and the twelve

months ended December 31, 2024 are presented by origination year.


(in thousands)	2025	2024	2023	2022	2021	Prior	Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term	Total
September 30, 2025	2025	2024	2023	2022	2021	Prior	Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term	Total

Commercial and industrial
Risk rating
Pass	$18,360	$44,507	$55,030	$32,011	$27,792	$83,171	$226,292	$885	$488,048
Special mention	—	114	—	493	1,078	2,932	479	—	5,096
Substandard	68	634	382	33,126	600	15,952	3,405	—	54,167
Doubtful	—	—	—	—	—	—	—	—	—
Total	$18,428	$45,255	$55,412	$65,630	$29,470	$102,055	$230,176	$885	$547,311
Year-to-date gross charge-offs	$—	$383	$100	$—	$16	$—	$206	$—	$705

Multifamily
Risk rating
Pass	$52,711	$180,574	$459,247	$2,212,986	$1,183,086	$1,094,711	$38,131	$—	$5,221,446
Special mention	—	—	—	49,972	24,099	43,439	—	—	117,510
Substandard	—	—	6,553	63,028	24,356	15,481	—	—	109,418
Doubtful	—	—	—	—	—	—	—	—	—
Total	$52,711	$180,574	$465,800	$2,325,986	$1,231,541	$1,153,631	$38,131	$—	$5,448,374
Year-to-date gross charge-offs	$—	$—	$—	$—	$—	$—	$—	$—	$—

Non-owner occupied
Risk rating
Pass	$3,057	$13,810	$36,000	$385,373	$138,952	$1,124,892	$41,734	$—	$1,743,818
Special mention	—	—	—	—	—	58,762	—	—	58,762
Substandard	—	—	—	—	—	61,460	—	—	61,460
Doubtful	—	—	—	—	—	—	—	—	—
Total	$3,057	$13,810	$36,000	$385,373	$138,952	$1,245,114	$41,734	$—	$1,864,040
Year-to-date gross charge-offs	$—	$—	$—	$—	$—	$250	$—	$—	$250

Owner occupied
Risk rating
Pass	$19,286	$11,012	$27,972	$112,543	$76,237	$386,615	$6,248	$—	639,913
Special mention	—	—	—	10,282	7,017	39,718	—	—	57,017
Substandard	—	—	—	274	5,211	6,824	—	—	12,309
Doubtful	—	—	—	—	—	—	—	—	—
Total	$19,286	$11,012	$27,972	$123,099	$88,465	$433,157	$6,248	$—	$709,239
Year-to-date gross charge-offs	$—	$—	$—	$—	$—	$—	$—	$—	$—

Construction and land development
Risk rating
Pass	$236,608	$179,266	$73,857	$13,823	$5,049	$13,586	$600	$—	$522,789
Special mention	—	—	—	10,000	—	—	—	—	10,000
Substandard	—	—	—	—	—	2,987	—	—	2,987
Doubtful	—	—	—	—	—	—	—	—	—
Total	$236,608	$179,266	$73,857	$23,823	$5,049	$16,573	$600	$—	$535,776
Year-to-date gross charge-offs	$—	$—	$—	$—	$—	$—	$—	$—	$—


(in thousands)	2024	2023	2022	2021	Prior	Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term		Total
December 31, 2024	2024	2023	2022	2021	Prior	Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term		Total

Commercial and industrial
Risk rating
Pass	$28,334	$113,024	$41,271	$23,098	$55,675	$140,905	$—		$402,307
Special mention	—	—	—	107	789	—	—		896
Substandard	—	—	5	166	6,665	1	—		6,837
Doubtful	—	—	—	—	—	—	—		—
Total	$28,334	$113,024	$41,276	$23,371	$63,129	$140,906	$—		$410,040
Year-to-date gross charge-offs	$—	$191	$95	$2	$127	$806	$—		$1,221

Multifamily
Risk rating
Pass	$183,739	$383,108	$777,706	$690,644	$736,585	$21,469	$—		$2,793,251
Special mention	—	—	—	—	—	—	—		—
Substandard	—	—	—	—	1,330	—	—		1,330
Doubtful	—	—	—	—	—	—	—		—
Total	$183,739	$383,108	$777,706	$690,644	$737,915	$21,469	$—		$2,794,581
Year-to-date gross charge-offs	$—	$—	$—	$—	$—	$—	$—		$—

Non-owner occupied
Risk rating
Pass	$15,127	$37,938	$347,939	$95,368	$1,082,553	$42,257	$—		$1,621,182
Special mention	—	—	—	—	9,026	—	—		9,026
Substandard	—	—	—	—	27,389	—	—		27,389
Doubtful	—	—	—	—	—	—	—		—
Total	$15,127	$37,938	$347,939	$95,368	$1,118,968	$42,257	$—		$1,657,597
Year-to-date gross charge-offs	$—	$—	$—	$—	$—	$—	$—	$—	$—

Owner-occupied
Risk rating
Pass	$10,840	$23,340	$62,849	$47,056	$189,436	$3,357	$—		$336,878
Special mention	—	—	—	—	13,111	—	—		13,111
Substandard	—	—	—	—	10,111	—	—		10,111
Doubtful	—	—	—	—	—	—	—		—
Total	$10,840	$23,340	$62,849	$47,056	$212,658	$3,357	$—		$360,100
Year-to-date gross charge-offs	$—	$—	$—	$—	$—	$—	$—		$—

Construction and land development
Risk rating
Pass	$34,891	$13,515	$34,985	$141	$20,355	$102	$—		$103,989
Special mention	—	—	—	—	—	—	—		—
Substandard	—	—	—	—	441	—	—		441
Doubtful	—	—	—	—	—	—	—		—
Total	$34,891	$13,515	$34,985	$141	$20,796	$102	$—		$104,430
Year-to-date gross charge-offs	$—	$—	$—	$—	$—	$—	$—		$—

The Company considers the performance of the loan portfolio and its impact on the allowance for credit losses. For

residential and consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan,

which was previously presented, and by payment activity. The following table presents the amortized cost in residential

and consumer loans based upon year of origination at September 30, 2025 and December 31, 2024. In addition, year-to-

date charge-offs for the nine months ended September 30, 2025 and the twelve months ended December 31, 2024 are

presented by origination year.


(in thousands)	2025	2024	2023	2022	2021	Prior	Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term	Total
September 30, 2025	2025	2024	2023	2022	2021	Prior	Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term	Total

Residential real estate
Payment performance
Performing	$412,755	$176,598	$116,483	$782,678	$835,953	$1,077,996	$491,871	$5,171	$3,899,505
Nonperforming	—	—	—	405	—	4,152	2,898	141	7,596
Total	$412,755	$176,598	$116,483	$783,083	$835,953	$1,082,148	$494,769	$5,312	$3,907,101
Year-to-date gross charge-offs	$—	$—	$—	$—	$—	$9	$—	$—	$9

Auto
Payment performance
Performing	$165	$260	$56,105	$544,758	$283,351	$64,989	$—	$—	$949,628
Nonperforming	—	—	253	3,051	1,304	379	—	—	$4,987
Total	$165	$260	$56,358	$547,809	$284,655	$65,368	$—	$—	$954,615
Year-to-date gross charge-offs	$—	$—	$1,325	$18,657	$9,744	$2,399	$—	$—	$32,125


Other consumer
Payment performance
Performing	$160,340	$172,039	$145,144	$72,037	$16,992	$29,841	$5,938	$—	$602,331
Nonperforming	—	1	—	—	—	—	7	—	8
Total	$160,340	$172,040	$145,144	$72,037	$16,992	$29,841	$5,945	$—	$602,339
Year-to-date gross charge-offs	$450	$1	$—	$—	511	$868	$50	$—	$1,880


(in thousands)	2024	2023	2022	2021	Prior	Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term	Total
December 31, 2024	2024	2023	2022	2021	Prior	Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term	Total

Residential real estate
Payment performance
Performing	$235,132	$97,522	$456,174	$608,721	$810,899	$69,661	$—	$2,278,109
Nonperforming	—	—	—	—	2,037	817	—	2,854
Total	$235,132	$97,522	$456,174	$608,721	$812,936	$70,478	$—	$2,280,963
Year-to-date gross charge-offs	$—	$—	$—	$—	$10	$—	$—	$10

Auto
Payment performance
Performing	$—	$81,178	$831,402	$497,176	$180,927	$—	$—	$1,590,683
Nonperforming	—	316	3,355	1,900	681	—	—	6,252
Total	$—	$81,494	$834,757	$499,076	$181,608	$—	$—	$1,596,935
Year-to-date gross charge-offs	$—	$2,223	$29,978	$16,780	$6,116	$—	$—	$55,097


Other consumer
Payment performance
Performing	$167,162	$136,903	$71,023	$22,414	$38,429	$2,919	$—	$438,850
Nonperforming	—	—	—	—	—	1	—	$1
Total	$167,162	$136,903	$71,023	$22,414	$38,429	$2,920	$—	$438,851
Year-to-date gross charge-offs	$700	$—	$—	$950	$1,521	$47	$—	$3,218