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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Summary of Composition of Loan Portfolio by Loan Class | The following table illustrates the composition of the Corporation’s loan portfolio by loan class as of the dates indicated.
| September 30, 2025 |  | December 31, 2024
Commercial and industrial loans | $ | 4,604,895 |  |  | $ | 4,114,292 |
Agricultural land, production and other loans to farmers | 275,817 |  |  | 256,312 |
Real estate loans: |  |  |
Construction | 789,021 |  |  | 792,144 |
Commercial real estate, non-owner occupied | 2,304,889 |  |  | 2,274,016 |
Commercial real estate, owner occupied | 1,232,117 |  |  | 1,157,944 |
Residential | 2,412,783 |  |  | 2,374,729 |
Home equity | 687,021 |  |  | 659,811 |
Individuals' loans for household and other personal expenditures | 138,703 |  |  | 166,028 |
Public finance and other commercial loans | 1,145,928 |  |  | 1,059,083 |
Loans | $ | 13,591,174 |  |  | $ | 12,854,359 |
Summary of Credit Quality of Loan Portfolio by Loan Class | The following tables summarize the risk grading of the Corporation’s loan portfolio and gross charge-offs by loan class and by year of origination for the periods indicated. Consumer loans are not risk graded. For the purposes of this disclosure, consumer loans are classified in the following manner: loans that are less than 30 days past due are Pass, loans 30-89 days past due are Special Mention and loans greater than 89 days past due are Substandard. The entire balance of a loan is considered delinquent if the minimum payment contractually required to be made is not received by the specified due date.
| September 30, 2025
| Term Loans (amortized cost basis by origination year) |  |  |  |  |  |
| 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
Commercial and industrial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,228,198 |  |  | $ | 869,398 |  |  | $ | 267,325 |  |  | $ | 145,103 |  |  | $ | 94,273 |  |  | $ | 77,656 |  |  | $ | 1,709,249 |  |  | $ | — |  |  | $ | 4,391,202 |
Special Mention | 1,843 |  |  | 29,466 |  |  | 20,153 |  |  | 2,449 |  |  | 6,163 |  |  | 687 |  |  | 39,995 |  |  | — |  |  | 100,756 |
Substandard | 271 |  |  | 4,335 |  |  | 3,306 |  |  | 2,828 |  |  | 16,868 |  |  | 19,370 |  |  | 62,651 |  |  | — |  |  | 109,629 |
Doubtful | 401 |  |  | 582 |  |  | — |  |  | — |  |  | 500 |  |  | 141 |  |  | 1,684 |  |  | — |  |  | 3,308 |
Total Commercial and industrial loans | 1,230,713 |  |  | 903,781 |  |  | 290,784 |  |  | 150,380 |  |  | 117,804 |  |  | 97,854 |  |  | 1,813,579 |  |  | — |  |  | 4,604,895 |
Current period gross charge-offs | 3,047 |  |  | 938 |  |  | 2,223 |  |  | 130 |  |  | 3,685 |  |  | 1,469 |  |  | — |  |  | — |  |  | 11,492 |
Agricultural land, production and other loans to farmers |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 58,346 |  |  | 19,030 |  |  | 21,557 |  |  | 25,456 |  |  | 24,039 |  |  | 46,138 |  |  | 63,114 |  |  | — |  |  | 257,680 |
Special Mention | 594 |  |  | 1,656 |  |  | 26 |  |  | 507 |  |  | — |  |  | 1,506 |  |  | 1,367 |  |  | — |  |  | 5,656 |
Substandard | 4,937 |  |  | 2,185 |  |  | 240 |  |  | 683 |  |  | — |  |  | 3,126 |  |  | 1,310 |  |  | — |  |  | 12,481 |
Total Agricultural land, production and other loans to farmers | 63,877 |  |  | 22,871 |  |  | 21,823 |  |  | 26,646 |  |  | 24,039 |  |  | 50,770 |  |  | 65,791 |  |  | — |  |  | 275,817 |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 180,692 |  |  | 309,001 |  |  | 129,822 |  |  | 17,639 |  |  | 11,553 |  |  | 10,325 |  |  | 13,803 |  |  | — |  |  | 672,835 |
Special Mention | 40,597 |  |  | 6,104 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 46,701 |
Substandard | 2,637 |  |  | 23,045 |  |  | — |  |  | 43,769 |  |  | — |  |  | 34 |  |  | — |  |  | — |  |  | 69,485 |
Total Construction | 223,926 |  |  | 338,150 |  |  | 129,822 |  |  | 61,408 |  |  | 11,553 |  |  | 10,359 |  |  | 13,803 |  |  | — |  |  | 789,021 |
Current period gross charge-offs | — |  |  | 63 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 63 |
Commercial real estate, non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 363,617 |  |  | 314,160 |  |  | 276,753 |  |  | 282,620 |  |  | 386,878 |  |  | 493,783 |  |  | 29,859 |  |  | — |  |  | 2,147,670 |
Special Mention | 53,226 |  |  | 16,512 |  |  | 9,666 |  |  | 4,555 |  |  | 1,406 |  |  | 5,350 |  |  | 100 |  |  | — |  |  | 90,815 |
Substandard | 57,552 |  |  | 416 |  |  | — |  |  | 5,348 |  |  | 1,806 |  |  | 1,199 |  |  | 83 |  |  | — |  |  | 66,404 |
Total Commercial real estate, non-owner occupied | 474,395 |  |  | 331,088 |  |  | 286,419 |  |  | 292,523 |  |  | 390,090 |  |  | 500,332 |  |  | 30,042 |  |  | — |  |  | 2,304,889 |
Current period gross charge-offs | — |  |  | — |  |  | 1 |  |  | 451 |  |  | — |  |  | 16 |  |  | — |  |  | — |  |  | 468 |
Commercial real estate, owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 248,570 |  |  | 136,935 |  |  | 141,532 |  |  | 156,278 |  |  | 192,605 |  |  | 257,141 |  |  | 38,377 |  |  | — |  |  | 1,171,438 |
Special Mention | 348 |  |  | 17,874 |  |  | — |  |  | 1,939 |  |  | 1,374 |  |  | 877 |  |  | 200 |  |  | — |  |  | 22,612 |
Substandard | — |  |  | 12,012 |  |  | 7,801 |  |  | 5,777 |  |  | 8,011 |  |  | 3,258 |  |  | 198 |  |  | — |  |  | 37,057 |
Doubtful | — |  |  | 1,010 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,010 |
Total Commercial real estate, owner occupied | 248,918 |  |  | 167,831 |  |  | 149,333 |  |  | 163,994 |  |  | 201,990 |  |  | 261,276 |  |  | 38,775 |  |  | — |  |  | 1,232,117 |
Current period gross charge-offs | — |  |  | 243 |  |  | 152 |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | 398 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 199,663 |  |  | 197,804 |  |  | 412,661 |  |  | 631,381 |  |  | 364,189 |  |  | 551,936 |  |  | 7,147 |  |  | 47 |  |  | 2,364,828 |
Special Mention | 167 |  |  | 1,205 |  |  | 7,041 |  |  | 8,397 |  |  | 5,059 |  |  | 5,697 |  |  | 346 |  |  | — |  |  | 27,912 |
Substandard | 334 |  |  | 1,125 |  |  | 4,342 |  |  | 6,302 |  |  | 4,586 |  |  | 3,173 |  |  | 181 |  |  | — |  |  | 20,043 |
Total Residential | 200,164 |  |  | 200,134 |  |  | 424,044 |  |  | 646,080 |  |  | 373,834 |  |  | 560,806 |  |  | 7,674 |  |  | 47 |  |  | 2,412,783 |
Current period gross charge-offs | — |  |  | 91 |  |  | 622 |  |  | 565 |  |  | 94 |  |  | 163 |  |  | — |  |  | — |  |  | 1,535 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 7,892 |  |  | 8,399 |  |  | 3,493 |  |  | 22,387 |  |  | 44,813 |  |  | 11,788 |  |  | 568,235 |  |  | 9,522 |  |  | 676,529 |
Special Mention | — |  |  | 705 |  |  | — |  |  | — |  |  | 728 |  |  | 332 |  |  | 5,480 |  |  | 65 |  |  | 7,310 |
Substandard | 60 |  |  | — |  |  | — |  |  | 90 |  |  | 108 |  |  | 257 |  |  | 2,312 |  |  | 355 |  |  | 3,182 |
Total Home Equity | 7,952 |  |  | 9,104 |  |  | 3,493 |  |  | 22,477 |  |  | 45,649 |  |  | 12,377 |  |  | 576,027 |  |  | 9,942 |  |  | 687,021 |
Current period gross charge-offs | — |  |  | 92 |  |  | 8 |  |  | 653 |  |  | 565 |  |  | 63 |  |  | — |  |  | — |  |  | 1,381 |
Individuals' loans for household and other personal expenditures |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 30,452 |  |  | 18,917 |  |  | 13,964 |  |  | 21,794 |  |  | 6,121 |  |  | 4,386 |  |  | 41,385 |  |  | 374 |  |  | 137,393 |
Special Mention | 129 |  |  | 246 |  |  | 260 |  |  | 133 |  |  | 118 |  |  | 8 |  |  | 197 |  |  | 218 |  |  | 1,309 |
Substandard | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
Total Individuals' loans for household and other personal expenditures | 30,581 |  |  | 19,163 |  |  | 14,224 |  |  | 21,928 |  |  | 6,239 |  |  | 4,394 |  |  | 41,582 |  |  | 592 |  |  | 138,703 |
Current period gross charge-offs | 158 |  |  | 427 |  |  | 463 |  |  | 326 |  |  | 142 |  |  | 79 |  |  | — |  |  | — |  |  | 1,595 |
Public finance and other commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 89,786 |  |  | 146,232 |  |  | 52,786 |  |  | 200,013 |  |  | 188,117 |  |  | 426,442 |  |  | 42,552 |  |  | — |  |  | 1,145,928 |
Total Public finance and other commercial loans | 89,786 |  |  | 146,232 |  |  | 52,786 |  |  | 200,013 |  |  | 188,117 |  |  | 426,442 |  |  | 42,552 |  |  | — |  |  | 1,145,928 |
Loans | $ | 2,570,312 |  |  | $ | 2,138,354 |  |  | $ | 1,372,728 |  |  | $ | 1,585,449 |  |  | $ | 1,359,315 |  |  | $ | 1,924,610 |  |  | $ | 2,629,825 |  |  | $ | 10,581 |  |  | $ | 13,591,174 |
Total current period gross charge-offs | $ | 3,205 |  |  | $ | 1,854 |  |  | $ | 3,469 |  |  | $ | 2,125 |  |  | $ | 4,486 |  |  | $ | 1,793 |  |  | $ | — |  |  | $ | — |  |  | $ | 16,932 |
| December 31, 2024
| Term Loans (amortized cost basis by origination year) |  |  |  |  |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
Commercial and industrial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,314,174 |  |  | $ | 493,138 |  |  | $ | 196,877 |  |  | $ | 158,215 |  |  | $ | 55,639 |  |  | $ | 49,554 |  |  | $ | 1,576,409 |  |  | $ | 130 |  |  | $ | 3,844,136 |
Special Mention | 14,982 |  |  | 13,282 |  |  | 20,837 |  |  | 1,097 |  |  | 2,222 |  |  | 348 |  |  | 41,187 |  |  | — |  |  | 93,955 |
Substandard | 29,238 |  |  | 32,285 |  |  | 26,973 |  |  | 7,249 |  |  | 1,081 |  |  | 1,134 |  |  | 75,649 |  |  | 513 |  |  | 174,122 |
Doubtful | 1,473 |  |  | 606 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,079 |
Total Commercial and industrial loans | 1,359,867 |  |  | 539,311 |  |  | 244,687 |  |  | 166,561 |  |  | 58,942 |  |  | 51,036 |  |  | 1,693,245 |  |  | 643 |  |  | 4,114,292 |
Current period gross charge-offs | 1,242 |  |  | 39,087 |  |  | 341 |  |  | 8,605 |  |  | 500 |  |  | 424 |  |  | — |  |  | — |  |  | 50,199 |
Agricultural land, production and other loans to farmers |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 28,600 |  |  | 23,070 |  |  | 30,518 |  |  | 26,442 |  |  | 27,105 |  |  | 29,930 |  |  | 84,502 |  |  | — |  |  | 250,167 |
Special Mention | 169 |  |  | — |  |  | 245 |  |  | — |  |  | 446 |  |  | 422 |  |  | 528 |  |  | — |  |  | 1,810 |
Substandard | 2,554 |  |  | 48 |  |  | 800 |  |  | 682 |  |  | 34 |  |  | 81 |  |  | 136 |  |  | — |  |  | 4,335 |
Total Agricultural land, production and other loans to farmers | 31,323 |  |  | 23,118 |  |  | 31,563 |  |  | 27,124 |  |  | 27,585 |  |  | 30,433 |  |  | 85,166 |  |  | — |  |  | 256,312 |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 241,622 |  |  | 203,829 |  |  | 114,794 |  |  | 31,864 |  |  | 6,398 |  |  | 8,549 |  |  | 12,836 |  |  | — |  |  | 619,892 |
Special Mention | 74,879 |  |  | 21,853 |  |  | 19,019 |  |  | 15,214 |  |  | — |  |  | 40 |  |  | — |  |  | — |  |  | 131,005 |
Substandard | 22,305 |  |  | — |  |  | 18,292 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 40,597 |
Doubtful | — |  |  | — |  |  | — |  |  | 650 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 650 |
Total Construction | 338,806 |  |  | 225,682 |  |  | 152,105 |  |  | 47,728 |  |  | 6,398 |  |  | 8,589 |  |  | 12,836 |  |  | — |  |  | 792,144 |
Commercial real estate, non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 383,279 |  |  | 275,907 |  |  | 342,442 |  |  | 406,289 |  |  | 327,372 |  |  | 278,362 |  |  | 19,863 |  |  | — |  |  | 2,033,514 |
Special Mention | 79,440 |  |  | 9,051 |  |  | 35,230 |  |  | 12,975 |  |  | 5,287 |  |  | 28,200 |  |  | — |  |  | — |  |  | 170,183 |
Substandard | 34,215 |  |  | 2,506 |  |  | 6,737 |  |  | 6,656 |  |  | 18,607 |  |  | 1,598 |  |  | — |  |  | — |  |  | 70,319 |
Total Commercial real estate, non-owner occupied | 496,934 |  |  | 287,464 |  |  | 384,409 |  |  | 425,920 |  |  | 351,266 |  |  | 308,160 |  |  | 19,863 |  |  | — |  |  | 2,274,016 |
Current period gross charge-offs | — |  |  | 339 |  |  | 3 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 343 |
Commercial real estate, owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 194,703 |  |  | 141,964 |  |  | 164,725 |  |  | 217,319 |  |  | 198,314 |  |  | 127,431 |  |  | 31,573 |  |  | — |  |  | 1,076,029 |
Special Mention | 1,887 |  |  | 11,013 |  |  | 7,555 |  |  | 9,910 |  |  | 8,603 |  |  | 1,951 |  |  | 460 |  |  | — |  |  | 41,379 |
Substandard | 13,310 |  |  | 7,669 |  |  | 3,189 |  |  | 11,294 |  |  | 1,522 |  |  | 3,552 |  |  | — |  |  | — |  |  | 40,536 |
Total Commercial real estate, owner occupied | 209,900 |  |  | 160,646 |  |  | 175,469 |  |  | 238,523 |  |  | 208,439 |  |  | 132,934 |  |  | 32,033 |  |  | — |  |  | 1,157,944 |
Current period gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | 9 |  |  | — |  |  | — |  |  | — |  |  | 9 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 221,016 |  |  | 413,552 |  |  | 672,713 |  |  | 397,192 |  |  | 326,154 |  |  | 293,785 |  |  | 8,887 |  |  | 13 |  |  | 2,333,312 |
Special Mention | 1,528 |  |  | 1,953 |  |  | 6,228 |  |  | 4,102 |  |  | 2,891 |  |  | 3,152 |  |  | 150 |  |  | — |  |  | 20,004 |
Substandard | 1,306 |  |  | 1,912 |  |  | 8,849 |  |  | 3,989 |  |  | 1,216 |  |  | 3,794 |  |  | 347 |  |  | — |  |  | 21,413 |
Total Residential | 223,850 |  |  | 417,417 |  |  | 687,790 |  |  | 405,283 |  |  | 330,261 |  |  | 300,731 |  |  | 9,384 |  |  | 13 |  |  | 2,374,729 |
Current period gross charge-offs | — |  |  | 173 |  |  | 779 |  |  | 136 |  |  | 20 |  |  | 288 |  |  | — |  |  | — |  |  | 1,396 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 6,788 |  |  | 4,354 |  |  | 24,810 |  |  | 51,313 |  |  | 10,486 |  |  | 3,976 |  |  | 535,132 |  |  | 12,124 |  |  | 648,983 |
Special Mention | 38 |  |  | — |  |  | 375 |  |  | 285 |  |  | 297 |  |  | 69 |  |  | 4,568 |  |  | 442 |  |  | 6,074 |
Substandard | 61 |  |  | — |  |  | 572 |  |  | 815 |  |  | — |  |  | 96 |  |  | 2,244 |  |  | 966 |  |  | 4,754 |
Total Home Equity | 6,887 |  |  | 4,354 |  |  | 25,757 |  |  | 52,413 |  |  | 10,783 |  |  | 4,141 |  |  | 541,944 |  |  | 13,532 |  |  | 659,811 |
Current period gross charge-offs | — |  |  | 10 |  |  | 35 |  |  | 22 |  |  | — |  |  | 267 |  |  | — |  |  | — |  |  | 334 |
Individuals' loans for household and other personal expenditures |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 40,819 |  |  | 21,867 |  |  | 31,356 |  |  | 10,520 |  |  | 2,276 |  |  | 4,693 |  |  | 53,180 |  |  | 180 |  |  | 164,891 |
Special Mention | 153 |  |  | 234 |  |  | 347 |  |  | 175 |  |  | 59 |  |  | 40 |  |  | 128 |  |  | — |  |  | 1,136 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |
Total Individuals' loans for household and other personal expenditures | 40,972 |  |  | 22,101 |  |  | 31,703 |  |  | 10,695 |  |  | 2,335 |  |  | 4,733 |  |  | 53,308 |  |  | 181 |  |  | 166,028 |
Current period gross charge-offs | 208 |  |  | 920 |  |  | 523 |  |  | 184 |  |  | 47 |  |  | 80 |  |  | — |  |  | — |  |  | 1,962 |
Public finance and other commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 161,072 |  |  | 53,750 |  |  | 203,884 |  |  | 195,066 |  |  | 146,377 |  |  | 298,802 |  |  | 132 |  |  | — |  |  | 1,059,083 |
Total Public finance and other commercial loans | 161,072 |  |  | 53,750 |  |  | 203,884 |  |  | 195,066 |  |  | 146,377 |  |  | 298,802 |  |  | 132 |  |  | — |  |  | 1,059,083 |
Loans | $ | 2,869,611 |  |  | $ | 1,733,843 |  |  | $ | 1,937,367 |  |  | $ | 1,569,313 |  |  | $ | 1,142,386 |  |  | $ | 1,139,559 |  |  | $ | 2,447,911 |  |  | $ | 14,369 |  |  | $ | 12,854,359 |
Total current period gross charge-offs | $ | 1,450 |  |  | $ | 40,529 |  |  | $ | 1,681 |  |  | $ | 8,947 |  |  | $ | 576 |  |  | $ | 1,060 |  |  | $ | — |  |  | $ | — |  |  | $ | 54,243 |
The tables below present the amortized cost basis of collateral dependent loans by loan class and their respective collateral type, which are individually evaluated to determine expected credit losses. The total collateral dependent loan balance decreased $3.4 million for the nine months ended September 30, 2025, primarily related to decreases of $9.8 million and $6.2 million in the construction and commercial real estate, non-owner occupied loan classes, respectively. The decrease was partially offset by an increase of $13.6 million in the commercial and industrial loan class. The total related allowance balance increased $2.7 million for the nine months ended September 30, 2025, primarily related to an increase of $2.8 million in the commercial and industrial loan class.
| September 30, 2025
| Commercial Real Estate |  | Residential Real Estate |  | Other |  | Total |  | Allowance on Collateral Dependent Loans
Commercial and industrial loans | $ | — |  |  | $ | — |  |  | $ | 37,092 |  |  | $ | 37,092 |  |  | $ | 10,594 |
Real estate loans: |  |  |  |  |  |  |  |  |
Construction | — |  |  | 12,889 |  |  | — |  |  | 12,889 |  |  | — |
Commercial real estate, non-owner occupied | 21,369 |  |  | — |  |  | — |  |  | 21,369 |  |  | 4,180 |
Commercial real estate, owner occupied | 8,792 |  |  | — |  |  | — |  |  | 8,792 |  |  | 69 |
Residential | — |  |  | 1,044 |  |  | — |  |  | 1,044 |  |  | 170 |
Home equity | — |  |  | 184 |  |  | — |  |  | 184 |  |  | 22 |
Loans | $ | 30,161 |  |  | $ | 14,117 |  |  | $ | 37,092 |  |  | $ | 81,370 |  |  | $ | 15,035 |
| December 31, 2024
| Commercial Real Estate |  | Residential Real Estate |  | Other |  | Total |  | Allowance on Collateral Dependent Loans
Commercial and industrial loans | $ | — |  |  | $ | — |  |  | $ | 23,455 |  |  | $ | 23,455 |  |  | $ | 7,803 |
Real estate loans: |  |  |  |  |  |  |  |  |
Construction | — |  |  | 22,652 |  |  | — |  |  | 22,652 |  |  | — |
Commercial real estate, non-owner occupied | 27,583 |  |  | — |  |  | — |  |  | 27,583 |  |  | 4,295 |
Commercial real estate, owner occupied | 9,748 |  |  | — |  |  | — |  |  | 9,748 |  |  | — |
Residential | — |  |  | 1,174 |  |  | — |  |  | 1,174 |  |  | 189 |
Home equity | — |  |  | 201 |  |  | — |  |  | 201 |  |  | 25 |
Loans | $ | 37,331 |  |  | $ | 24,027 |  |  | $ | 23,455 |  |  | $ | 84,813 |  |  | $ | 12,312 |
Summary of Past Due Aging of Loan Portfolio by Loan Class | The tables below show a past due aging of the Corporation’s loan portfolio, by loan class, as of the dates indicated.
| September 30, 2025
| Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total |  | Loans > 90 Days or More Past Due And Accruing
Commercial and industrial loans | $ | 4,591,709 |  |  | $ | 1,848 |  |  | $ | 5,488 |  |  | $ | 5,850 |  |  | $ | 4,604,895 |  |  | $ | 154 |
Agricultural land, production and other loans to farmers | 275,364 |  |  | — |  |  | 217 |  |  | 236 |  |  | 275,817 |  |  | — |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Construction | 728,758 |  |  | 47,341 |  |  | — |  |  | 12,922 |  |  | 789,021 |  |  | — |
Commercial real estate, non-owner occupied | 2,292,354 |  |  | 5,727 |  |  | 4,907 |  |  | 1,901 |  |  | 2,304,889 |  |  | 1,329 |
Commercial real estate, owner occupied | 1,216,776 |  |  | 9,037 |  |  | 564 |  |  | 5,740 |  |  | 1,232,117 |  |  | — |
Residential | 2,368,841 |  |  | 13,926 |  |  | 11,279 |  |  | 18,737 |  |  | 2,412,783 |  |  | 423 |
Home equity | 677,667 |  |  | 4,662 |  |  | 1,631 |  |  | 3,061 |  |  | 687,021 |  |  | 19 |
Individuals' loans for household and other personal expenditures | 137,393 |  |  | 927 |  |  | 382 |  |  | 1 |  |  | 138,703 |  |  | — |
Public finance and other commercial loans | 1,145,928 |  |  | — |  |  | — |  |  | — |  |  | 1,145,928 |  |  | — |
Loans | $ | 13,434,790 |  |  | $ | 83,468 |  |  | $ | 24,468 |  |  | $ | 48,448 |  |  | $ | 13,591,174 |  |  | $ | 1,925 |
| December 31, 2024
| Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total |  | Loans > 90 Days or More Past Due And Accruing
Commercial and industrial loans | $ | 4,096,605 |  |  | $ | 7,428 |  |  | $ | 473 |  |  | $ | 9,786 |  |  | $ | 4,114,292 |  |  | $ | 2,010 |
Agricultural land, production and other loans to farmers | 256,148 |  |  | 164 |  |  | — |  |  | — |  |  | 256,312 |  |  | — |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Construction | 761,819 |  |  | 4,332 |  |  | 22,005 |  |  | 3,988 |  |  | 792,144 |  |  | 3,683 |
Commercial real estate, non-owner occupied | 2,259,549 |  |  | 2,407 |  |  | 1,718 |  |  | 10,342 |  |  | 2,274,016 |  |  | — |
Commercial real estate, owner occupied | 1,153,861 |  |  | 3,783 |  |  | — |  |  | 300 |  |  | 1,157,944 |  |  | — |
Residential | 2,337,002 |  |  | 12,302 |  |  | 6,606 |  |  | 18,819 |  |  | 2,374,729 |  |  | 208 |
Home equity | 649,238 |  |  | 4,431 |  |  | 1,569 |  |  | 4,573 |  |  | 659,811 |  |  | — |
Individuals' loans for household and other personal expenditures | 164,891 |  |  | 926 |  |  | 210 |  |  | 1 |  |  | 166,028 |  |  | 1 |
Public finance and other commercial loans | 1,059,083 |  |  | — |  |  | — |  |  | — |  |  | 1,059,083 |  |  | — |
Loans | $ | 12,738,196 |  |  | $ | 35,773 |  |  | $ | 32,581 |  |  | $ | 47,809 |  |  | $ | 12,854,359 |  |  | $ | 5,902 |
Summary of Non-Accrual Loans by Loan class | The following table summarizes the Corporation’s nonaccrual loans by loan class as of the dates indicated.
| September 30, 2025 |  | December 31, 2024
| Nonaccrual Loans |  | Nonaccrual Loans with no Allowance for Credit Losses |  | Nonaccrual Loans |  | Nonaccrual Loans with no Allowance for Credit Losses
Commercial and industrial loans | $ | 9,399 |  |  | $ | 2,713 |  |  | $ | 8,090 |  |  | $ | 4,937 |
Agricultural land, production and other loans to farmers | 254 |  |  | — |  |  | 75 |  |  | — |
Real estate loans: |  |  |  |  |  |  |
Construction | 12,922 |  |  | 12,889 |  |  | 24,629 |  |  | 22,650 |
Commercial real estate, non-owner occupied | 6,693 |  |  | 5,823 |  |  | 12,118 |  |  | 10,153 |
Commercial real estate, owner occupied | 6,622 |  |  | 4,973 |  |  | 2,440 |  |  | 1,904 |
Residential | 25,487 |  |  | — |  |  | 21,491 |  |  | — |
Home equity | 4,346 |  |  | — |  |  | 4,924 |  |  | — |
Individuals' loans for household and other personal expenditures | 17 |  |  | — |  |  | 6 |  |  | — |
Loans | $ | 65,740 |  |  | $ | 26,398 |  |  | $ | 73,773 |  |  | $ | 39,644 |
Summary of Modified Loans | The following tables present the amortized cost basis of loans at September 30, 2025 and 2024 that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2025 and 2024, by class and by type of modification. For the three and nine months ended September 30, 2025, the table below excludes loan modifications considered insignificant. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below.
| Three Months Ended September 30, 2025
| Loan Modifications Made to Borrowers Experiencing Financial Difficulty
| Payment Delay |  | Term Extension |  |  |  |  |  |  |  | Combination Interest Rate Reduction & Term Extension |  |  |  |  |  | % of Total Class of Financing Receivable
Commercial and industrial loans | $ | — |  |  | $ | 6,154 |  |  |  |  |  |  |  |  | $ | — |  |  |  |  |  |  | 0.13 | %
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, non-owner occupied | — |  |  | 1,570 |  |  |  |  |  |  |  |  | 6,426 |  |  |  |  |  |  | 0.35 | %
Residential | 261 |  |  | — |  |  |  |  |  |  |  |  | — |  |  |  |  |  |  | 0.01 | %
Total | $ | 261 |  |  | $ | 7,724 |  |  |  |  |  |  |  |  | $ | 6,426 |  |  |  |  |  |  |
| Three Months Ended September 30, 2024
| Loan Modifications Made to Borrowers Experiencing Financial Difficulty
| Payment Delay |  | Term Extension |  |  |  |  |  | Combination Payment Delay & Term Extension |  | Combination Interest Rate Reduction & Term Extension |  |  |  | Combination Interest Rate Reduction, Term Extension, & Payment Delay |  | % of Total Class of Financing Receivable
Commercial and industrial loans | $ | 9,600 |  |  | $ | 10,333 |  |  |  |  |  |  | $ | — |  |  | $ | 31 |  |  |  |  | $ | — |  |  | 0.49 | %
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | 915 |  |  |  |  |  |  | 22,000 |  |  | — |  |  |  |  | — |  |  | 2.81 | %
Commercial real estate, non-owner occupied | — |  |  | 10,254 |  |  |  |  |  |  | — |  |  | 10,828 |  |  |  |  | — |  |  | 0.94 | %
Commercial real estate, owner occupied | — |  |  | 5,841 |  |  |  |  |  |  | — |  |  | — |  |  |  |  | — |  |  | 0.51 | %
Residential | 493 |  |  | 56 |  |  |  |  |  |  | — |  |  | — |  |  |  |  | 304 |  |  | 0.04 | %
Home equity | — |  |  | 62 |  |  |  |  |  |  | — |  |  | — |  |  |  |  | — |  |  | 0.01 | %
Total | $ | 10,093 |  |  | $ | 27,461 |  |  |  |  |  |  | $ | 22,000 |  |  | $ | 10,859 |  |  |  |  | $ | 304 |  |  |
| Nine Months Ended September 30, 2025
| Loan Modifications Made to Borrowers Experiencing Financial Difficulty
| Payment Delay |  | Term Extension |  |  |  | Interest Rate Reduction |  |  |  | Combination Interest Rate Reduction & Term Extension |  |  |  | Combination Interest Rate Reduction, Term Extension, & Payment Delay |  | % of Total Class of Financing Receivable
Commercial and industrial loans | $ | — |  |  | $ | 11,201 |  |  |  |  | $ | — |  |  |  |  | $ | — |  |  |  |  | $ | — |  |  | 0.24 | %
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, non-owner occupied | — |  |  | 15,515 |  |  |  |  | 37,954 |  |  |  |  | 12,248 |  |  |  |  | — |  |  | 2.85 | %
Residential | 977 |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | 1,285 |  |  | 0.09 | %
Total | $ | 977 |  |  | $ | 26,716 |  |  |  |  | $ | 37,954 |  |  |  |  | $ | 12,248 |  |  |  |  | $ | 1,285 |  |  |
| Nine Months Ended September 30, 2024
| Loan Modifications Made to Borrowers Experiencing Financial Difficulty
| Payment Delay |  | Term Extension |  |  |  | Interest Rate Reduction |  | Combination Payment Delay & Term Extension |  | Combination Interest Rate Reduction & Term Extension |  |  |  | Combination Interest Rate Reduction, Term Extension, & Payment Delay |  | % of Total Class of Financing Receivable
Commercial and industrial loans | $ | 11,080 |  |  | $ | 12,880 |  |  |  |  | $ | 247 |  |  | $ | 17 |  |  | $ | 31 |  |  |  |  | $ | — |  |  | 0.60 | %
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | 915 |  |  |  |  | — |  |  | 22,000 |  |  | — |  |  |  |  | — |  |  | 2.81 | %
Commercial real estate, non-owner occupied | — |  |  | 18,933 |  |  |  |  | — |  |  | — |  |  | 10,828 |  |  |  |  | — |  |  | 1.32 | %
Commercial real estate, owner occupied | — |  |  | 6,208 |  |  |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | 0.54 | %
Residential | 1,931 |  |  | 341 |  |  |  |  | — |  |  | 283 |  |  | — |  |  |  |  | 529 |  |  | 0.13 | %
Home equity | — |  |  | 62 |  |  |  |  | — |  |  | 162 |  |  | — |  |  |  |  | — |  |  | 0.03 | %
Total | $ | 13,011 |  |  | $ | 39,339 |  |  |  |  | $ | 247 |  |  | $ | 22,462 |  |  | $ | 10,859 |  |  |  |  | $ | 529 |  |  |
The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the three and nine months ended September 30, 2025 and 2024.
| Three Months Ended September 30, 2025
| Financial Effect of Loan Modifications
| Payment Delay |  | Term Extension |  |  |  |  |  |  |  | Combination Interest Rate Reduction & Term Extension |  |  |  |
Commercial and industrial loans |  |  | Extended loans by a weighted average of 4 months. |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, non-owner occupied |  |  | Extended loans by a weighted average of 12 months. |  |  |  |  |  |  |  | Reduced the weighted average contractual interest rate from 12.44% to 7.42% and extended loans by a weighted average of 5 months. |  |  |  |
Residential | Provided payment deferrals with weighted average delayed amounts of $28. |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Three Months Ended September 30, 2024
| Financial Effect of Loan Modifications
| Payment Delay |  | Term Extension |  |  |  |  |  | Combination Payment Delay & Term Extension |  | Combination Interest Rate Reduction & Term Extension |  |  |  | Combination Interest Rate Reduction, Term Extension & Payment Delay
Commercial and industrial loans | Provided payment deferrals with weighted average delayed amounts of $200. |  | Extended loans by a weighted average of 6 months. |  |  |  |  |  |  |  | Reduced the weighted average contractual interest rate from 9.50% to 8.05% and extended loans by a weighted average of 48 months. |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | Extended loans by a weighted average of 6 months. |  |  |  |  |  | Provided payment deferrals with weighted average delayed amounts of $475 and extended loans by a weighted average of 4 months. |  |  |  |  |  |
Commercial real estate, non-owner occupied |  |  | Extended loans by a weighted average of 8 months. |  |  |  |  |  |  |  | Reduced the weighted average contractual interest rate from 12.38% to 7.88% and extended loans by a weighted average of 8 months. |  |  |  |
Commercial real estate, owner occupied |  |  | Extended loans by a weighted average of 8 months. |  |  |  |  |  |  |  |  |  |  |  |
Residential | Provided payment deferrals with weighted average delayed amounts of $8. |  | Extended loans by a weighted average of 92 months. |  |  |  |  |  |  |  |  |  |  |  | Provided payment deferrals with weighted average delayed amounts of $14, extended loans by a weighted average of 149 months, and reduced the weighted average contractual interest rate from 5.73% to 3.31%.
Home equity |  |  | Extended loans by a weighted average of 6 months. |  |  |  |  |  |  |  |  |  |  |  |
| Nine Months Ended September 30, 2025
| Financial Effect of Loan Modifications
| Payment Delay |  | Term Extension |  |  |  | Interest Rate Reduction |  |  |  | Combination Interest Rate Reduction & Term Extension |  |  |  | Combination Interest Rate Reduction, Term Extension & Payment Delay
Commercial and industrial loans |  |  | Extended loans by a weighted average of 4 months. |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, non-owner occupied |  |  | Extended loans by a weighted average of 7 months. |  |  |  | Reduced the weighted average contractual interest rate from 7.58% to 6.93%. |  |  |  | Reduced the weighted average contractual interest rate from 13.18% to 7.22% and extended loans by a weighted average of 10 months. |  |  |  |
Residential | Provided payment deferrals with weighted average delayed amounts of $26. |  |  |  |  |  |  |  |  |  |  |  |  |  | Reduced the weighted average contractual interest rate from 4.50% to 2.50%, extended loans by a weighted average of 68 months, and provided payment deferrals with weighted average delayed amounts of $8.
| Nine Months Ended September 30, 2024
| Financial Effect of Loan Modifications
| Payment Delay |  | Term Extension |  |  |  | Interest Rate Reduction |  | Combination Payment Delay & Term Extension |  | Combination Interest Rate Reduction & Term Extension |  |  |  | Combination Interest Rate Reduction, Term Extension & Payment Delay
Commercial and industrial loans | Provided payment deferrals with weighted average delayed amounts of $180. |  | Extended loans by a weighted average of 9 months. |  |  |  | Reduced the weighted average contractual interest rate from 9.00% to 8.00%. |  | Provided payment deferrals with weighted average delayed amounts of $5 and extended loans by a weighted average of 3 months. |  | Reduced the weighted average contractual interest rate from 9.50% to 8.05%. Extended loans by a weighted average of 48 months. |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | Extended loans by a weighted average of 6 months. |  |  |  |  |  | Provided payment deferrals with weighted average delayed amounts of $475 and extended loans by a weighted average of 4 months. |  |  |  |  |  |
Commercial real estate, non-owner occupied |  |  | Extended loans by a weighted average of 13 months. |  |  |  |  |  |  |  | Reduced the weighted average contractual interest rate from 12.38% to 7.88%. Extended loans by a weighted average of 8 months. |  |  |  |
Commercial real estate, owner occupied |  |  | Extended loans by a weighted average of 13 months. |  |  |  |  |  |  |  |  |  |  |  |
Residential | Provided payment deferrals with weighted average delayed amounts of $26. |  | Extended loans by a weighted average of 20 months. |  |  |  |  |  | Provided payment deferrals with weighted average delayed amounts of $8 and extended loans by a weighted average of 153 months. |  |  |  |  |  | Provided payment deferrals with weighted average delayed amounts of $14, extended loans by a weighted average of 91 months, and reduced the weighted average contractual interest rate from 5.74% to 4.03%.
Home equity |  |  | Extended loans by a weighted average of 6 months. |  |  |  |  |  | Provided payment deferrals with weighted average delayed amounts of $8 and extended loans by a weighted average of 60 months. |  |  |  |  |  |
The Corporation closely monitors the performance of financial difficulty modifications to understand the effectiveness of its efforts. The following tables present the performance of financial difficulty modifications in the twelve months following modification.
| September 30, 2025
| Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90+ Days Past Due |  | Total
Commercial and industrial loans | $ | 9,561 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,278 |  |  | $ | 12,839 |
Agricultural land, production and other loans to farmers | 2,177 |  |  | — |  |  | — |  |  | — |  |  | 2,177 |
Real estate loans: |  |  |  |  |  |  |  |  |
Commercial real estate, non-owner occupied | 65,717 |  |  | — |  |  | — |  |  | — |  |  | 65,717 |
Residential | 4,275 |  |  | 351 |  |  | 647 |  |  | 1,764 |  |  | 7,037 |
Home equity | 155 |  |  | — |  |  | — |  |  | — |  |  | 155 |
Total | $ | 81,885 |  |  | $ | 351 |  |  | $ | 647 |  |  | $ | 5,042 |  |  | $ | 87,925 |
| September 30, 2024
| Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90+ Days Past Due |  | Total
Commercial and industrial loans | $ | 24,445 |  |  | $ | — |  |  | $ | 1,927 |  |  | $ | — |  |  | $ | 26,372 |
Agricultural land, production and other loans to farmers | 22 |  |  | — |  |  | — |  |  | — |  |  | 22 |
Real estate loans: |  |  |  |  |  |  |  |  |
Construction | 22,915 |  |  | — |  |  | — |  |  | — |  |  | 22,915 |
Commercial real estate, non-owner occupied | 21,082 |  |  | 8,680 |  |  | — |  |  | 1,730 |  |  | 31,492 |
Commercial real estate, owner occupied | 7,523 |  |  | — |  |  | — |  |  | — |  |  | 7,523 |
Residential | 1,940 |  |  | — |  |  | 250 |  |  | 1,189 |  |  | 3,379 |
Home equity | 252 |  |  | — |  |  | — |  |  | — |  |  | 252 |
Total | $ | 78,179 |  |  | $ | 8,680 |  |  | $ | 2,177 |  |  | $ | 2,919 |  |  | $ | 91,955 |
Summary of Changes in Allowance for Loan Losses | The following tables summarize changes in the allowance for credit losses by loan segment for the three and nine months ended September 30, 2025 and 2024.
| Three Months Ended September 30, 2025
| Commercial |  | Commercial Real Estate |  | Construction |  |  |  |  |  | Consumer & Residential |  | Total
Allowance for credit losses - loans |  |  |  |  |  |  |  |  |  |  |  |  |
Balances, June 30, 2025 | $ | 98,984 |  |  | $ | 46,277 |  |  | $ | 8,743 |  |  |  |  |  |  | $ | 41,312 |  |  | $ | 195,316 |
Provision for credit losses - loans | 3,632 |  |  | 1,252 |  |  | (2,257) |  |  |  |  |  |  | 1,673 |  |  | 4,300 |
Recoveries on loans | 914 |  |  | 4 |  |  | — |  |  |  |  |  |  | 433 |  |  | 1,351 |
Loans charged off | (4,519) |  |  | (391) |  |  | — |  |  |  |  |  |  | (1,589) |  |  | (6,499) |
Balances, September 30, 2025 | $ | 99,011 |  |  | $ | 47,142 |  |  | $ | 6,486 |  |  |  |  |  |  | $ | 41,829 |  |  | $ | 194,468 |
| Three Months Ended September 30, 2024
| Commercial |  | Commercial Real Estate |  | Construction |  |  |  |  |  | Consumer & Residential |  | Total
Allowance for credit losses - loans |  |  |  |  |  |  |  |  |  |  |  |  |
Balances, June 30, 2024 | $ | 91,217 |  |  | $ | 45,514 |  |  | $ | 14,360 |  |  |  |  |  |  | $ | 38,446 |  |  | $ | 189,537 |
Provision for credit losses - loans | 8,456 |  |  | 1,873 |  |  | (2,609) |  |  |  |  |  |  | (2,720) |  |  | 5,000 |
Recoveries on loans | 505 |  |  | 18 |  |  | — |  |  |  |  |  |  | 371 |  |  | 894 |
Loans charged off | (6,375) |  |  | — |  |  | — |  |  |  |  |  |  | (1,228) |  |  | (7,603) |
Balances, September 30, 2024 | $ | 93,803 |  |  | $ | 47,405 |  |  | $ | 11,751 |  |  |  |  |  |  | $ | 34,869 |  |  | $ | 187,828 |
| Nine Months Ended September 30, 2025
| Commercial |  | Commercial Real Estate |  | Construction |  | Consumer & Residential |  | Total
Allowance for credit losses - loans |  |  |  |  |  |  |  |  |
Balances, December 31, 2024 | $ | 94,757 |  |  | $ | 51,099 |  |  | $ | 9,784 |  |  | $ | 37,117 |  |  | $ | 192,757 |
Provision for credit losses - loans | 12,380 |  |  | (3,198) |  |  | (3,235) |  |  | 8,153 |  |  | 14,100 |
Recoveries on loans | 3,366 |  |  | 107 |  |  | — |  |  | 1,070 |  |  | 4,543 |
Loans charged off | (11,492) |  |  | (866) |  |  | (63) |  |  | (4,511) |  |  | (16,932) |
Balances, September 30, 2025 | $ | 99,011 |  |  | $ | 47,142 |  |  | $ | 6,486 |  |  | $ | 41,829 |  |  | $ | 194,468 |
| Nine Months Ended September 30, 2024
| Commercial |  | Commercial Real Estate |  | Construction |  | Consumer & Residential |  | Total
Allowance for credit losses - loans |  |  |  |  |  |  |  |  |
Balances, December 31, 2023 | $ | 97,348 |  |  | $ | 44,048 |  |  | $ | 24,823 |  |  | $ | 38,715 |  |  | $ | 204,934 |
Provision for credit losses - loans | 43,249 |  |  | 3,476 |  |  | (13,072) |  |  | (2,153) |  |  | 31,500 |
Recoveries on loans | 1,592 |  |  | 232 |  |  | — |  |  | 1,227 |  |  | 3,051 |
Loans charged off | (48,386) |  |  | (351) |  |  | — |  |  | (2,920) |  |  | (51,657) |
Balances, September 30, 2024 | $ | 93,803 |  |  | $ | 47,405 |  |  | $ | 11,751 |  |  | $ | 34,869 |  |  | $ | 187,828 |
Summary of Financial Instruments with Off-balance Sheet Risk | Financial instruments with off-balance sheet risk were as follows:
| September 30, 2025 |  | December 31, 2024
Amounts of commitments: |  |  |
Loan commitments to extend credit | $ | 5,552,327 |  |  | $ | 5,006,085 |
Standby letters of credit | $ | 72,972 |  |  | $ | 71,271 |

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