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Loans and Lease Finance Receivables and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Summary of Components of Loans and Lease Finance Receivables, Excluding PCI Loans

The following table provides a summary of total loans and lease finance receivables by type.

	March 31, 2025				December 31, 2024
	(Dollars in thousands)
Commercial real estate	$	6,490,604			$	6,507,452
Construction		15,706				16,082
SBA		271,844				273,013
SBA - Paycheck Protection Program (PPP)		179				774
Commercial and industrial		942,301				925,178
Dairy & livestock and agribusiness		252,532				419,904
Municipal lease finance receivables		65,203				66,114
SFR mortgage		269,493				269,172
Consumer and other loans		55,770				58,743
Total loans, at amortized cost		8,363,632				8,536,432
Less: Allowance for credit losses		(78,252	)			(80,122	)
Total loans and lease finance receivables, net	$	8,285,380			$	8,456,310

Summary of Loans by Type and Origination Year, According to our Internal Risk Ratings

The following table summarizes loans by type and origination year, according to our internal risk ratings as of the dates presented.

	Origination Year																								Revolving loans amortized				Revolving loans converted to
March 31, 2025	2025				2024				2023				2022				2021				Prior				cost basis				term loans				Total
	(Dollars in thousands)
Commercial real estate    loans:
Risk Rating:
Pass	$	118,405			$	298,954			$	402,954			$	1,199,575			$	1,047,396			$	2,900,403			$	195,573			$	36,343			$	6,199,603
Special Mention		—				9,633				7,534				41,993				21,203				127,980				4,826				6,778				219,947
Substandard		1,174				1,174				680				6,731				8,978				46,534				5,783				—				71,054
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Commercial real    estate loans:	$	119,579			$	309,761			$	411,168			$	1,248,299			$	1,077,577			$	3,074,917			$	206,182			$	43,121			$	6,490,604
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Construction loans:
Risk Rating:
Pass	$	—			$	7,020			$	319			$	8,367			$	—			$	—			$	—			$	—			$	15,706
Special Mention		—				—				—				—				—				—				—				—				—
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Construction    loans:	$	—			$	7,020			$	319			$	8,367			$	—			$	—			$	—			$	—			$	15,706
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
SBA loans:
Risk Rating:
Pass	$	6,795			$	29,325			$	15,905			$	46,045			$	46,482			$	111,111			$	—			$	—			$	255,663
Special Mention		—				3,365				—				—				1,328				6,293				—				—				10,986
Substandard		—				—				—				1,570				—				3,625				—				—				5,195
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SBA loans:	$	6,795			$	32,690			$	15,905			$	47,615			$	47,810			$	121,029			$	—			$	—			$	271,844
Current YTD Period:   Gross charge-offs	$	19			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	19
SBA - PPP loans:
Risk Rating:
Pass	$	—			$	—			$	—			$	—			$	133			$	46			$	—			$	—			$	179
Special Mention		—				—				—				—				—				—				—				—				—
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SBA - PPP loans:	$	—			$	—			$	—			$	—			$	133			$	46			$	—			$	—			$	179
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial and    industrial loans:
Risk Rating:
Pass	$	34,204			$	95,519			$	109,970			$	104,308			$	62,801			$	177,705			$	314,411			$	5,974			$	904,892
Special Mention		—				776				2,297				1,724				1,478				3,965				12,604				5,284				28,128
Substandard		—				—				3,074				469				241				—				1,747				3,750				9,281
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Commercial and    industrial loans:	$	34,204			$	96,295			$	115,341			$	106,501			$	64,520			$	181,670			$	328,762			$	15,008			$	942,301
Current YTD Period:   Gross charge-offs	$	21			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	21

	Origination Year																								Revolving loans amortized				Revolving loans converted to
March 31, 2025	2025				2024				2023				2022				2021				Prior				cost basis				term loans				Total
	(Dollars in thousands)
Dairy & livestock and    agribusiness loans:
Risk Rating:
Pass	$	—			$	729			$	—			$	—			$	597			$	893			$	204,881			$	6			$	207,106
Special Mention		—				—				—				—				—				—				36,674				1,367				38,041
Substandard		—				—				—				—				—				60				6,525				800				7,385
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Dairy & livestock    and agribusiness    loans:	$	—			$	729			$	—			$	—			$	597			$	953			$	248,080			$	2,173			$	252,532
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Municipal lease finance    receivables loans:
Risk Rating:
Pass	$	—			$	2,799			$	—			$	5,095			$	24,714			$	32,496			$	—			$	—			$	65,104
Special Mention		—				—				—				—				—				99				—				—				99
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Municipal lease    finance receivables    loans:	$	—			$	2,799			$	—			$	5,095			$	24,714			$	32,595			$	—			$	—			$	65,203
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
SFR mortgage loans:
Risk Rating:
Pass	$	5,894			$	18,617			$	19,979			$	59,518			$	40,891			$	122,071			$	—			$	—			$	266,970
Special Mention		—				—				—				—				—				1,290				—				276				1,566
Substandard		—				—				—				—				—				957				—				—				957
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SFR mortgage    loans:	$	5,894			$	18,617			$	19,979			$	59,518			$	40,891			$	124,318			$	—			$	276			$	269,493
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Consumer and other    loans:
Risk Rating:
Pass	$	753			$	4,941			$	2,747			$	907			$	1,591			$	611			$	40,863			$	2,953			$	55,366
Special Mention		—				—				—				—				103				—				4				—				107
Substandard		—				—				—				—				—				—				—				297				297
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Consumer and    other loans:	$	753			$	4,941			$	2,747			$	907			$	1,694			$	611			$	40,867			$	3,250			$	55,770
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Total Loans, at amortized cost:
Risk Rating:
Pass	$	166,051			$	457,904			$	551,874			$	1,423,815			$	1,224,605			$	3,345,336			$	755,728			$	45,276			$	7,970,589
Special Mention		—				13,774				9,831				43,717				24,112				139,627				54,108				13,705				298,874
Substandard		1,174				1,174				3,754				8,770				9,219				51,176				14,055				4,847				94,169
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Loans at amortized cost:	$	167,225			$	472,852			$	565,459			$	1,476,302			$	1,257,936			$	3,536,139			$	823,891			$	63,828			$	8,363,632
Current YTD Period:   Total gross charge-offs	$	40			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	40

	Origination Year																								Revolving loans amortized				Revolving loans converted to
December 31, 2024	2024				2023				2022				2021				2020				Prior				cost basis				term loans				Total
	(Dollars in thousands)
Commercial real estate    loans:
Risk Rating:
Pass	$	307,984			$	419,547			$	1,216,126			$	1,066,694			$	828,493			$	2,170,119			$	197,991			$	37,704			$	6,244,658
Special Mention		1,075				4,910				36,505				21,478				17,056				104,201				3,937				1,287				190,449
Substandard		1,176				244				6,775				9,057				15,138				34,259				5,696				—				72,345
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Commercial real    estate loans:	$	310,235			$	424,701			$	1,259,406			$	1,097,229			$	860,687			$	2,308,579			$	207,624			$	38,991			$	6,507,452
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	2,258			$	—			$	—			$	2,258
Construction loans:
Risk Rating:
Pass	$	7,717			$	315			$	8,050			$	—			$	—			$	—			$	—			$	—			$	16,082
Special Mention		—				—				—				—				—				—				—				—				—
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Construction    loans:	$	7,717			$	315			$	8,050			$	—			$	—			$	—			$	—			$	—			$	16,082
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
SBA loans:
Risk Rating:
Pass	$	33,531			$	16,064			$	46,393			$	47,810			$	23,733			$	92,012			$	—			$	—			$	259,543
Special Mention		—				—				—				1,337				4,716				1,830				—				—				7,883
Substandard		—				—				1,581				—				—				4,006				—				—				5,587
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SBA loans:	$	33,531			$	16,064			$	47,974			$	49,147			$	28,449			$	97,848			$	—			$	—			$	273,013
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	165			$	—			$	—			$	165
SBA - PPP loans:
Risk Rating:
Pass	$	—			$	—			$	—			$	254			$	520			$	—			$	—			$	—			$	774
Special Mention		—				—				—				—				—				—				—				—				—
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SBA - PPP loans:	$	—			$	—			$	—			$	254			$	520			$	—			$	—			$	—			$	774
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial and    industrial loans:
Risk Rating:
Pass	$	100,465			$	100,242			$	111,982			$	67,706			$	69,084			$	118,069			$	318,147			$	6,213			$	891,908
Special Mention		819				2,213				1,026				2,169				421				4,175				8,136				4,830				23,789
Substandard		—				3,029				523				11				—				—				1,997				3,921				9,481
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Commercial and    industrial loans:	$	101,284			$	105,484			$	113,531			$	69,886			$	69,505			$	122,244			$	328,280			$	14,964			$	925,178
Current YTD Period:   Gross charge-offs	$	—			$	—			$	300			$	—			$	—			$	1,186			$	—			$	495			$	1,981

	Origination Year																								Revolving loans amortized				Revolving loans converted to
December 31, 2024	2024				2023				2022				2021				2020				Prior				cost basis				term loans				Total
	(Dollars in thousands)
Dairy & livestock and    agribusiness loans:
Risk Rating:
Pass	$	812			$	—			$	—			$	596			$	786			$	141			$	327,850			$	13			$	330,198
Special Mention		2,901				—				—				—				—				—				84,295				1,650				88,846
Substandard		—				—				—				—				—				60				—				800				860
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Dairy & livestock    and agribusiness    loans:	$	3,713			$	—			$	—			$	596			$	786			$	201			$	412,145			$	2,463			$	419,904
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Municipal lease finance    receivables loans:
Risk Rating:
Pass	$	2,540			$	—			$	5,111			$	24,715			$	5,140			$	28,510			$	—			$	—			$	66,016
Special Mention		—				—				—				—				—				98				—				—				98
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Municipal lease    finance receivables    loans:	$	2,540			$	—			$	5,111			$	24,715			$	5,140			$	28,608			$	—			$	—			$	66,114
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
SFR mortgage loans:
Risk Rating:
Pass	$	20,261			$	21,055			$	59,763			$	41,156			$	38,730			$	85,637			$	—			$	—			$	266,602
Special Mention		—				—				—				—				896				411				—				284				1,591
Substandard		—				—				—				—				—				979				—				—				979
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SFR mortgage    loans:	$	20,261			$	21,055			$	59,763			$	41,156			$	39,626			$	87,027			$	—			$	284			$	269,172
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Consumer and other    loans:
Risk Rating:
Pass	$	7,242			$	3,043			$	1,521			$	1,850			$	142			$	624			$	42,035			$	1,855			$	58,312
Special Mention		—				—				—				130				—				—				4				—				134
Substandard		—				—				—				—				—				—				—				297				297
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Consumer and    other loans:	$	7,242			$	3,043			$	1,521			$	1,980			$	142			$	624			$	42,039			$	2,152			$	58,743
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	1			$	3			$	4
Total Loans, at amortized cost:
Risk Rating:
Pass	$	480,552			$	560,266			$	1,448,946			$	1,250,781			$	966,628			$	2,495,112			$	886,023			$	45,785			$	8,134,093
Special Mention		4,795				7,123				37,531				25,114				23,089				110,715				96,372				8,051				312,790
Substandard		1,176				3,273				8,879				9,068				15,138				39,304				7,693				5,018				89,549
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Loans at amortized cost:	$	486,523			$	570,662			$	1,495,356			$	1,284,963			$	1,004,855			$	2,645,131			$	990,088			$	58,854			$	8,536,432
Current YTD Period:   Gross charge-offs	$	—			$	—			$	300			$	—			$	—			$	3,609			$	1			$	498			$	4,408

Schedule of Balance and Activity Related to Allowance for Loan Losses for Held-for-Investment Loans by Type

The following tables present the balance and activity related to the allowance for credit losses for held-for-investment loans by type for the periods presented.

	Three Months Ended March 31, 2025
	Ending Balance December 31, 2024				Charge-offs				Recoveries				(Recapture of) Provision for Credit Losses				Ending Balance March 31, 2025
	(Dollars in thousands)
Commercial real estate	$	66,237			$	—			$	—			$	(935	)		$	65,302
Construction		312				—				6				(80	)			238
SBA		2,629				(19	)			22				(24	)			2,608
Commercial and industrial		6,093				(21	)			142				(96	)			6,118
Dairy & livestock and agribusiness		3,610				—				—				(786	)			2,824
Municipal lease finance    receivables		205				—				—				5				210
SFR mortgage		424				—				—				3				427
Consumer and other loans		612				—				—				(87	)			525
Total allowance for credit losses	$	80,122			$	(40	)		$	170			$	(2,000	)		$	78,252

	Three Months Ended March 31, 2024
	Ending Balance December 31, 2023				Charge-offs				Recoveries				Provision for (Recapture of) Credit Losses				Ending Balance March 31, 2024
	(Dollars in thousands)
Commercial real estate	$	69,466			$	(2,258	)		$	—			$	2,237			$	69,445
Construction		1,277				—				3				16				1,296
SBA		2,679				(90	)			63				(121	)			2,531
Commercial and industrial		9,116				(1,917	)			176				(2,316	)			5,059
Dairy & livestock and agribusiness		3,098				—				—				154				3,252
Municipal lease finance    receivables		210				—				—				(16	)			194
SFR mortgage		535				—				—				(52	)			483
Consumer and other loans		461				(2	)			—				98				557
Total allowance for credit losses	$	86,842			$	(4,267	)		$	242			$	—			$	82,817

Schedule of Recorded Investment in, and Aging of, Past Due and Nonaccrual Loans, Excluding PCI Loans by Class of Loans

The following table presents the recorded investment in, and the aging of, past due loans (including nonaccrual loans), by type of loans as of the dates presented.

	March 31, 2025
	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 and Financing Receivables
	(Dollars in thousands)
Commercial real estate
Owner occupied	$	—			$	—			$	—			$	—			$	2,308,238			$	2,308,238
Non-owner occupied		—				—				23,707				23,707				4,158,659				4,182,366
Construction
Speculative (1)		—				—				—				—				8,439				8,439
Non-speculative		—				—				—				—				7,267				7,267
SBA		718				—				253				971				270,873				271,844
SBA - PPP		—				—				—				—				179				179
Commercial and industrial		—				—				1				1				942,300				942,301
Dairy & livestock and agribusiness		—				—				60				60				252,472				252,532
Municipal lease finance receivables		—				—				—				—				65,203				65,203
SFR mortgage		—				—				—				—				269,493				269,493
Consumer and other loans		—				—				—				—				55,770				55,770
Total loans at amortized cost	$	718			$	—			$	24,021			$	24,739			$	8,338,893			$	8,363,632

(1)Speculative construction loans are generally for properties where there is no identified buyer or renter.

	December 31, 2024
	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 and Financing Receivables
	(Dollars in thousands)
Commercial real estate
Owner occupied	$	—			$	—			$	196			$	196			$	2,329,380			$	2,329,576
Non-owner occupied		—				—				24,430				24,430				4,153,446				4,177,876
Construction
Speculative (1)		—				—				—				—				8,091				8,091
Non-speculative		—				—				—				—				7,991				7,991
SBA		—				190				1,427				1,617				271,396				273,013
SBA - PPP		—				—				—				—				774				774
Commercial and industrial		399				—				140				539				924,639				925,178
Dairy & livestock and agribusiness		—				—				60				60				419,844				419,904
Municipal lease finance receivables		—				—				—				—				66,114				66,114
SFR mortgage		—				—				—				—				269,172				269,172
Consumer and other loans		—				—				—				—				58,743				58,743
Total loans at amortized cost	$	399			$	190			$	26,253			$	26,842			$	8,509,590			$	8,536,432

(1)Speculative construction loans are generally for properties where there is no identified buyer or renter.

Amortized cost of our finance receivables and loans that are on nonaccrual status, including loans with no allowance are presented as of March 31, 2025 and December 31, 2024 by type of loan.

	March 31, 2025
	Nonaccrual with No Allowance for Credit Losses				Total Nonaccrual (1) (3)				Loans Past Due Over 89 Days Still Accruing
	(Dollars in thousands)
Commercial real estate
Owner occupied	$	23,707			$	672			$	—
Non-owner occupied		—				23,707				—
Construction
Speculative (2)		—				—				—
Non-speculative		—				—				—
SBA		940				1,024				—
SBA - PPP		—				—				—
Commercial and industrial		173				173				—
Dairy & livestock and agribusiness		60				60				—
Municipal lease finance receivables		—				—				—
SFR mortgage		—				—				—
Consumer and other loans		—				—				—
Total loans at amortized cost	$	24,880			$	25,636			$	—

(1)As of March 31, 2025, $1.6 million of nonaccruing loans were current and $24.0 million were 90+ days past due.

(2)Speculative construction loans are generally for properties where there is no identified buyer or renter.

(3)Excludes $55,000 of guaranteed portion of nonaccrual SBA loans that are in process of collection.

	December 31, 2024
	Nonaccrual with No Allowance for Credit Losses				Total Nonaccrual (1)				Loans Past Due Over 89 Days Still Accruing
	(Dollars in thousands)
Commercial real estate
Owner occupied	$	1,436			$	1,436			$	—
Non-owner occupied		24,430				24,430				—
Construction
Speculative (2)		—				—				—
Non-speculative		—				—				—
SBA		1,146				1,529				—
SBA - PPP		—				—				—
Commercial and industrial		201				340				—
Dairy & livestock and agribusiness		60				60				—
Municipal lease finance receivables		—				—				—
SFR mortgage		—				—				—
Consumer and other loans		—				—				—
Total loans at amortized cost	$	27,273			$	27,795			$	—

(1)As of December 31, 2024, $1.4 million of nonaccruing loans were current, $102,000 were 60-89 days past due, and $26.3 million were 90+ days past due.

(2)Speculative construction loans are generally for properties where there is no identified buyer or renter.

Summary of Pledged Assets not Separately Reported on Statement of Financial Position

The following table presents the recorded investment in collateral-dependent loans by type of loans as of the date presented.

	March 31, 2025												Number of Loans
	Real Estate				Business Assets				Other				Dependent on Collateral
	(Dollars in thousands)
Commercial real estate	$	24,378			$	—			$	—				3
Construction		—				—				—				—
SBA		1,024				—				—				4
SBA - PPP		—				—				—				—
Commercial and industrial		—				172				—				1
Dairy & livestock and agribusiness		60				—				—				1
Municipal lease finance receivables		—				—				—				—
SFR mortgage		—				—				—				—
Consumer and other loans		—				—				—				—
Total collateral-dependent loans	$	25,462			$	172			$	—				9

	December 31, 2024												Number of Loans
	Real Estate				Business Assets				Other				Dependent on Collateral
	(Dollars in thousands)
Commercial real estate	$	25,866			$	—			$	—				6
Construction		—				—				—				—
SBA		1,529				—				—				5
SBA - PPP		—				—				—				—
Commercial and industrial		11				327				—				3
Dairy & livestock and agribusiness		60				—				—				1
Municipal lease finance receivables		—				—				—				—
SFR mortgage		—				—				—				—
Consumer and other loans		—				—				—				—
Total collateral-dependent loans	$	27,466			$	327			$	—				15

Schedule of Amortized Cost of Loans Activity

The tables below reflect the amortized cost of loans by type made to borrowers experiencing financial difficulty that were modified as of March 31, 2025 and March 31, 2024, and the financial effect of those modifications.

		Amortized Cost Basis				% of Total Class of Financing Receivables				Financial Effect
March 31, 2025
Term Extension
Commercial real estate loans		$	7,516				0.09	%		Added a weighted-average 1.2 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Commercial and industrial			2,728				0.03	%		Added a weighted-average 1.2 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Dairy & livestock and agribusiness			1,025				0.01	%		Added a weighted-average 1.6 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Total		$	11,269
Term Extension and Interest Rate Reduction
Commercial real estate loans			680				0.01	%		Added a weighted-average 1.4 years to the life of loans, which reduced monthly payment amounts for the borrowers; reduced weighted-average contractual interest rate from 10.00% to 7.25%.
Total			680
Total Modified		$	11,949

		Amortized Cost Basis				% of Total Class of Financing Receivables				Financial Effect
March 31, 2024
Term Extension
Commercial real estate loans		$	2,466				0.03	%		Added a weighted-average 1.3 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Commercial and industrial			1,644				0.02	%		Added a weighted-average 0.7 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Dairy & livestock and agribusiness			5,727				0.07	%		Added a weighted-average 0.6 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Total		$	9,837
Term Extension and Interest Rate Reduction
Commercial real estate loans		$	686				0.01	%		Added a weighted-average 7.6 years to the life of loans, which reduced monthly payment amounts for the borrowers; reduced weighted-average contractual interest rate from 10% to 7.25%.
Commercial and industrial			242				0.00	%		Added a weighted-average 2.0 years to the life of loans, which reduced monthly payment amounts for the borrowers; reduced weighted-average contractual interest rate from 8.75% to 7.75%.
Total			928
Total Modified		$	10,765

Schedule of Recorded Investments for Past Due Loans at Amortized Cost

The following table presents the recorded investment in, and the aging of, past due loans at amortized cost (including nonaccrual loans), by type of loans, made to borrowers experiencing financial difficulty as of March 31, 2025.

			Payment Status (amortized cost basis)
			Current				30-89 Days Past Due				90+ Days Past Due
			(Dollars in thousands)
	Commercial real estate loans		$	8,196			$	—			$	—
	Commercial and industrial			2,728				—				—
	Dairy & livestock and agribusiness			1,025				—				—
	Total		$	11,949			$	—			$	—

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