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

9 Months Ended

Sep. 30, 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.

	September 30, 2025				December 31, 2024
	(Dollars in thousands)
Commercial real estate	$	6,535,319			$	6,507,452
Construction		29,976				16,082
Small Business Administration ("SBA")		266,228				273,013
SBA - Paycheck Protection Program ("PPP")		51				774
Commercial and industrial		939,174				925,178
Dairy & livestock and agribusiness		292,963				419,904
Municipal lease finance receivables		61,383				66,114
SFR mortgage		286,111				269,172
Consumer and other loans		59,701				58,743
Total loans, at amortized cost		8,470,906				8,536,432
Less: Allowance for credit losses		(79,336	)			(80,122	)
Total loans and lease finance receivables, net	$	8,391,570			$	8,456,310

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

The following tables summarize 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
September 30, 2025	2025				2024				2023				2022				2021				Prior				cost basis				term loans				Total
	(Dollars in thousands)
Commercial real estate    loans:
Risk Rating:
Pass	$	387,369			$	310,736			$	386,557			$	1,157,775			$	1,005,028			$	2,748,421			$	227,915			$	35,047			$	6,258,848
Special Mention		3,677				9,559				8,403				43,116				22,410				119,906				8,273				9,010				224,354
Substandard		5,013				—				3,344				7,312				4,634				31,814				—				—				52,117
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Commercial real    estate loans:	$	396,059			$	320,295			$	398,304			$	1,208,203			$	1,032,072			$	2,900,141			$	236,188			$	44,057			$	6,535,319
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Construction loans:
Risk Rating:
Pass	$	10,144			$	9,267			$	326			$	10,239			$	—			$	—			$	—			$	—			$	29,976
Special Mention		—				—				—				—				—				—				—				—				—
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Construction    loans:	$	10,144			$	9,267			$	326			$	10,239			$	—			$	—			$	—			$	—			$	29,976
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
SBA loans:
Risk Rating:
Pass	$	20,110			$	26,097			$	15,304			$	45,260			$	45,486			$	104,138			$	—			$	—			$	256,395
Special Mention		—				—				—				—				—				1,534				—				—				1,534
Substandard		—				3,365				—				1,549				19				3,366				—				—				8,299
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SBA loans:	$	20,110			$	29,462			$	15,304			$	46,809			$	45,505			$	109,038			$	—			$	—			$	266,228
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	118			$	—			$	—			$	118
SBA - PPP loans:
Risk Rating:
Pass	$	—			$	—			$	—			$	—			$	51			$	—			$	—			$	—			$	51
Special Mention		—				—				—				—				—				—				—				—				—
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SBA - PPP loans:	$	—			$	—			$	—			$	—			$	51			$	—			$	—			$	—			$	51
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial and    industrial loans:
Risk Rating:
Pass	$	121,966			$	77,000			$	92,751			$	88,179			$	53,900			$	154,283			$	313,863			$	10,537			$	912,479
Special Mention		91				136				1,738				1,485				1,069				3,033				7,216				2,319				17,087
Substandard		—				—				1,471				340				174				2,900				997				3,726				9,608
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Commercial and    industrial loans:	$	122,057			$	77,136			$	95,960			$	90,004			$	55,143			$	160,216			$	322,076			$	16,582			$	939,174
Current YTD Period:   Gross charge-offs	$	—			$	—			$	392			$	—			$	—			$	—			$	—			$	21			$	413

	Origination Year																								Revolving loans amortized				Revolving loans converted to
September 30, 2025	2025				2024				2023				2022				2021				Prior				cost basis				term loans				Total
	(Dollars in thousands)
Dairy & livestock and    agribusiness loans:
Risk Rating:
Pass	$	—			$	616			$	—			$	—			$	553			$	849			$	271,203			$	74			$	273,295
Special Mention		395				—				—				—				—				—				10,507				1,217				12,119
Substandard		—				—				800				—				—				—				6,749				—				7,549
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Dairy & livestock    and agribusiness    loans:	$	395			$	616			$	800			$	—			$	553			$	849			$	288,459			$	1,291			$	292,963
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Municipal lease finance    receivables loans:
Risk Rating:
Pass	$	574			$	2,710			$	—			$	4,722			$	23,890			$	29,433			$	—			$	—			$	61,329
Special Mention		—				—				—				—				—				54				—				—				54
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Municipal lease    finance receivables    loans:	$	574			$	2,710			$	—			$	4,722			$	23,890			$	29,487			$	—			$	—			$	61,383
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
SFR mortgage loans:
Risk Rating:
Pass	$	32,571			$	18,093			$	17,194			$	58,254			$	39,924			$	119,123			$	—			$	—			$	285,159
Special Mention		—				—				—				—				—				380				—				262				642
Substandard		—				—				—				—				—				310				—				—				310
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SFR mortgage    loans:	$	32,571			$	18,093			$	17,194			$	58,254			$	39,924			$	119,813			$	—			$	262			$	286,111
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Consumer and other    loans:
Risk Rating:
Pass	$	2,052			$	4,594			$	2,096			$	573			$	784			$	459			$	46,569			$	2,224			$	59,351
Special Mention		—				—				—				—				47				—				6				—				53
Substandard		—				—				—				—				—				—				—				297				297
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Consumer and    other loans:	$	2,052			$	4,594			$	2,096			$	573			$	831			$	459			$	46,575			$	2,521			$	59,701
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	5			$	—			$	5
Total Loans, at amortized cost:
Risk Rating:
Pass	$	574,786			$	449,113			$	514,228			$	1,365,002			$	1,169,616			$	3,156,706			$	859,550			$	47,882			$	8,136,883
Special Mention		4,163				9,695				10,141				44,601				23,526				124,907				26,002				12,808				255,843
Substandard		5,013				3,365				5,615				9,201				4,827				38,390				7,746				4,023				78,180
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Loans at amortized cost:	$	583,962			$	462,173			$	529,984			$	1,418,804			$	1,197,969			$	3,320,003			$	893,298			$	64,713			$	8,470,906
Current YTD Period:   Total gross charge-offs	$	—			$	—			$	392			$	—			$	—			$	118			$	5			$	21			$	536

	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

Summary 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 September 30, 2025
	Ending Balance June 30, 2025				Charge-offs				Recoveries				Provision for (Recapture of) Credit Losses				Ending Balance September 30, 2025
	(Dollars in thousands)
Commercial real estate	$	64,542			$	—			$	—			$	852			$	65,394
Construction		240				—				159				123				522
SBA		3,066				(67	)			6				(425	)			2,580
Commercial and industrial		6,357				—				235				64				6,656
Dairy & livestock and agribusiness		2,554				—				—				237				2,791
Municipal lease finance    receivables		220				—				—				4				224
SFR mortgage		477				—				—				16				493
Consumer and other loans		547				—				—				129				676
Total allowance for credit losses	$	78,003			$	(67	)		$	400			$	1,000			$	79,336

	Three Months Ended September 30, 2024
	Ending Balance June 30, 2024				Charge-offs				Recoveries				Provision for (Recapture of) Credit Losses				Ending Balance September 30, 2024
	(Dollars in thousands)
Commercial real estate	$	69,405			$	—			$	—			$	336			$	69,741
Construction		788				—				56				(391	)			453
SBA		2,496				(26	)			13				25				2,508
Commercial and industrial		5,103				—				113				55				5,271
Dairy & livestock and agribusiness		3,775				—				—				51				3,826
Municipal lease finance    receivables		186				—				—				—				186
SFR mortgage		498				—				—				(59	)			439
Consumer and other loans		535				—				—				(17	)			518
Total allowance for credit losses	$	82,786			$	(26	)		$	182			$	—			$	82,942

	Nine Months Ended September 30, 2025
	Ending Balance December 31, 2024				Charge-offs				Recoveries				(Recapture of) Provision for Credit Losses				Ending Balance September 30, 2025
	(Dollars in thousands)
Commercial real estate	$	66,237			$	—			$	—			$	(843	)		$	65,394
Construction		312				—				171				39				522
SBA		2,629				(118	)			47				22				2,580
Commercial and industrial		6,093				(413	)			532				444				6,656
Dairy & livestock and agribusiness		3,610				—				—				(819	)			2,791
Municipal lease finance    receivables		205				—				—				19				224
SFR mortgage		424				—				—				69				493
Consumer and other loans		612				(5	)			—				69				676
Total allowance for credit losses	$	80,122			$	(536	)		$	750			$	(1,000	)		$	79,336

	Nine Months Ended September 30, 2024
	Ending Balance December 31, 2023				Charge-offs				Recoveries				Provision for (Recapture of) Credit Losses				Ending Balance September 30, 2024
	(Dollars in thousands)
Commercial real estate	$	69,466			$	(2,258	)		$	—			$	2,533			$	69,741
Construction		1,277				—				61				(885	)			453
SBA		2,679				(165	)			94				(100	)			2,508
Commercial and industrial		9,116				(1,917	)			289				(2,217	)			5,271
Dairy & livestock and agribusiness		3,098				—				—				728				3,826
Municipal lease finance    receivables		210				—				—				(24	)			186
SFR mortgage		535				—				—				(96	)			439
Consumer and other loans		461				(4	)			—				61				518
Total allowance for credit losses	$	86,842			$	(4,344	)		$	444			$	—			$	82,942

Summary 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.

	September 30, 2025
	30-59 Days Past Due				60-89 Days Past Due				Greater than 89 Days Past Due				Total Past Due				Current				Total Loans and Financing Receivables
	(Dollars in thousands)
Commercial real estate
Owner occupied	$	—			$	43			$	—			$	43			$	2,284,201			$	2,284,244
Non-owner occupied		—				—				23,707				23,707				4,227,368				4,251,075
Construction
Speculative (1)		—				—				—				—				10,517				10,517
Non-speculative		—				—				—				—				19,459				19,459
SBA		42				—				3,390				3,432				262,796				266,228
SBA - PPP		—				—				—				—				51				51
Commercial and industrial		—				—				2				2				939,172				939,174
Dairy & livestock and agribusiness		—				—				—				—				292,963				292,963
Municipal lease finance receivables		—				—				—				—				61,383				61,383
SFR mortgage		—				—				—				—				286,111				286,111
Consumer and other loans		—				—				—				—				59,701				59,701
Total loans at amortized cost	$	42			$	43			$	27,099			$	27,184			$	8,443,722			$	8,470,906

(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				Current				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 September 30, 2025 and December 31, 2024 by type of loan.

	September 30, 2025
	Nonaccrual with No Allowance for Credit Losses				Total Nonaccrual (1) (2)				Loans Past Due Over 89 Days Still Accruing
	(Dollars in thousands)
Commercial real estate
Owner occupied	$	—			$	—			$	—
Non-owner occupied		23,707				23,707				—
SBA		3,927				3,952				—
Commercial and industrial		145				145				—
Total loans at amortized cost	$	27,779			$	27,804			$	—

(1)As of September 30, 2025, $705,000 of nonaccruing loans were current, $27.1 million were 90+ days past due.

(2)Excludes $272,000 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				—
SBA		1,146				1,529				—
Commercial and industrial		201				340				—
Dairy & livestock and agribusiness		60				60				—
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.

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.

	September 30, 2025												Number of Loans
	Real Estate				Business Assets				Other				Dependent on Collateral
	(Dollars in thousands)
Commercial real estate	$	4,143			$	—			$	—				1
SBA		3,952				—				—				4
Commercial and industrial		—				144				—				2
Total collateral-dependent loans	$	8,095			$	144			$	—				7

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

Summary 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 September 30, 2025 and December 31, 2024.

		Amortized Cost Basis				% of Total Class of Financing Receivables				Financial Effect
September 30, 2025
Term Extension
Commercial real estate loans		$	7,754				0.09	%		Added a weighted-average 1.8 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Commercial and industrial			1,149				0.01	%		Added a weighted-average 1.4 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Dairy & livestock and agribusiness			395				0.00	%		Added a weighted-average 1.6 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Total		$	9,298
Term Extension and Interest Rate Reduction
Commercial real estate loans			675				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 10.00% to 7.25%.
Commercial and industrial			783				0.01	%		Added a weighted-average 1.6 years to the life of loans, which reduced monthly payment amounts for the borrowers; reduced weighted-average contractual interest rate from 8.50% to 7.75%.
Total			1,458
Total Modified		$	10,756

		Amortized Cost Basis				% of Total Class of Financing Receivables				Financial Effect
December 31, 2024
Term Extension
Commercial real estate loans		$	2,180				0.03	%		Added a weighted-average 1.7 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Commercial and industrial			2,804				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			800				0.01	%		Added a weighted-average 0.9 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Total		$	5,784
Term Extension and Interest Rate Reduction
Commercial real estate loans		$	683				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 10.00% to 7.25%.
Total			683
Total Modified		$	6,467

Summary of Recorded Investments or 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 September 30, 2025.

			Payment Status (amortized cost basis)
			Current				30-89 Days Past Due				90+ Days Past Due
			(Dollars in thousands)
	Commercial real estate loans		$	8,386			$	43			$	—
	Commercial and industrial			1,932				—				—
	Dairy & livestock and agribusiness			395				—				—
	Total		$	10,713			$	43			$	—

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