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Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2025

Loans and Leases Receivable Disclosure [Abstract]

Outstanding Balances of Loan

The following table provides outstanding balances related to each of our loan types:

 

															June 30, 2025																		December 31, 2024
															(dollars in thousands)
Commercial, financial, agricultural and other															$	1,955,333																	$	1,677,989
Time and demand															1,255,560																		1,133,595
Commercial credit cards															12,581																		11,718
Equipment finance															573,810																		427,320
Time and demand other															113,382																		105,356
Real estate construction															448,152																		483,384
Construction other															424,437																		475,367
Construction residential															23,715																		8,017
Residential real estate															2,390,275																		2,341,703
Residential first lien															1,691,200																		1,670,547
Residential junior lien/home equity															699,075																		671,156
Commercial real estate															3,366,267																		3,124,704
Multifamily															644,970																		597,145
Non-owner occupied															1,948,160																		1,804,950
Owner occupied															773,137																		722,609
Loans to individuals															1,410,788																		1,355,974
Automobile and recreational vehicles															1,339,660																		1,280,645
Consumer credit cards															9,293																		9,865
Consumer other															61,835																		65,464
Total loans and leases															$	9,570,815																	$	8,983,754

Credit Risk Profile by Creditworthiness

The following tables represent our credit risk profile by creditworthiness category:

			June 30, 2025
									Non-Pass
			Pass						OAEM						Substandard						Doubtful						Loss						Total Non-Pass						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,833,012					$	56,242					$	66,079					$	—					$	—					$	122,321					$	1,955,333
Time and demand			1,136,061						55,574						63,925						—						—						119,499						1,255,560
Commercial credit cards			12,581						—						—						—						—						—						12,581
Equipment finance			570,991						665						2,154						—						—						2,819						573,810
Time and demand other			113,379						3						—						—						—						3						113,382
Real estate construction			438,264						6,773						3,115						—						—						9,888						448,152
Construction other			415,613						6,773						2,051						—						—						8,824						424,437
Construction residential			22,651						—						1,064						—						—						1,064						23,715
Residential real estate			2,374,017						3,736						12,522						—						—						16,258						2,390,275
Residential first lien			1,679,307						3,736						8,157						—						—						11,893						1,691,200
Residential junior lien/home equity			694,710						—						4,365						—						—						4,365						699,075
Commercial real estate			3,260,110						58,131						48,026						—						—						106,157						3,366,267
Multifamily			623,524						20,447						999						—						—						21,446						644,970
Non-owner occupied			1,904,275						21,213						22,672						—						—						43,885						1,948,160
Owner occupied			732,311						16,471						24,355						—						—						40,826						773,137
Loans to individuals			1,410,510						—						278						—						—						278						1,410,788
Automobile and recreational vehicles			1,339,390						—						270						—						—						270						1,339,660
Consumer credit cards			9,293						—						—						—						—						—						9,293
Consumer other			61,827						—						8						—						—						8						61,835
Total loans and leases			$	9,315,913					$	124,882					$	130,020					$	—					$	—					$	254,902					$	9,570,815

 

			December 31, 2024
									Non-Pass
			Pass						OAEM						Substandard						Doubtful						Loss						Total Non-Pass						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,579,704					$	65,892					$	32,393					$	—					$	—					$	98,285					$	1,677,989
Time and demand			1,037,723						64,757						31,115						—						—						95,872						1,133,595
Commercial credit cards			11,718						—						—						—						—						—						11,718
Equipment finance			424,911						1,131						1,278						—						—						2,409						427,320
Time and demand other			105,352						4						—						—						—						4						105,356
Real estate construction			480,675						180						2,529						—						—						2,709						483,384
Construction other			472,658						180						2,529						—						—						2,709						475,367
Construction residential			8,017						—						—						—						—						—						8,017
Residential real estate			2,328,571						1,297						11,835						—						—						13,132						2,341,703
Residential first lien			1,661,868						1,297						7,382						—						—						8,679						1,670,547
Residential junior lien/home equity			666,703						—						4,453						—						—						4,453						671,156
Commercial real estate			3,014,905						60,510						49,289						—						—						109,799						3,124,704
Multifamily			578,725						18,346						74						—						—						18,420						597,145
Non-owner occupied			1,754,255						21,869						28,826						—						—						50,695						1,804,950
Owner occupied			681,925						20,295						20,389						—						—						40,684						722,609
Loans to individuals			1,355,724						—						250						—						—						250						1,355,974
Automobile and recreational vehicles			1,280,498						—						147						—						—						147						1,280,645
Consumer credit cards			9,865						—						—						—						—						—						9,865
Consumer other			65,361						—						103						—						—						103						65,464
Total loans and leases			$	8,759,579					$	127,879					$	96,296					$	—					$	—					$	224,175					$	8,983,754

Credit Risk Profile Vintage by Creditworthiness

The following table summarizes the loan risk rating category by loan type including term loans on an amortized cost basis by origination year:

			June 30, 2025
			Term Loans																																				Revolving Loans
			2025						2024						2023						2022						2021						Prior												Total
			(dollars in thousands)
Time and demand			$	70,892					$	146,514					$	113,962					$	100,819					$	77,765					$	102,380					$	643,228					$	1,255,560
Pass			69,257						146,078						110,239						93,731						58,221						95,476						563,059						1,136,061
OAEM			1,635						309						1,228						3,153						10,878						3,255						35,116						55,574
Substandard			—						127						2,495						3,935						8,666						3,649						45,053						63,925
Gross charge-offs			—						—						(230)						(760)						(333)						(1,673)						(343)						(3,339)
Gross recoveries			—						—						—						402						—						550						2,850						3,802
Commercial credit cards			—						—						—						—						—						—						12,581						12,581
Pass			—						—						—						—						—						—						12,581						12,581
Gross charge-offs			—						—						—						—						—						—						(124)						(124)
Gross recoveries			—						—						—						—						—						—						22						22
Equipment finance			203,989						228,262						108,888						32,671						—						—						—						573,810
Pass			203,989						227,464						107,819						31,719						—						—						—						570,991
OAEM			—						315						129						221						—						—						—						665
Substandard			—						483						940						731						—						—						—						2,154
Gross charge-offs			—						(245)						(157)						(724)						—						—						—						(1,126)
Gross recoveries			—						7						133						282						—						—						—						422

			June 30, 2025
			Term Loans																																				Revolving Loans
			2025						2024						2023						2022						2021						Prior												Total
			(dollars in thousands)
Time and demand other			5,377						11,258						10,617						4,424						15,465						56,482						9,759						113,382
Pass			5,377						11,258						10,617						4,424						15,465						56,482						9,756						113,379
OAEM			—						—						—						—						—						—						3						3
Gross charge-offs			—						—						—						—						—						—						(833)						(833)
Gross recoveries			—						—						—						—						—						1						120						121
Construction other			41,248						62,383						183,400						65,712						45,455						23,606						2,633						424,437
Pass			41,248						62,383						183,400						64,994						37,349						23,606						2,633						415,613
OAEM			—						—						—						178						6,595						—						—						6,773
Substandard			—						—						—						540						1,511						—						—						2,051
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Construction residential			5,642						8,972						2,224						3,521						2,761						27						568						23,715
Pass			5,642						8,972						2,224						3,521						1,697						27						568						22,651
OAEM			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						1,064						—						—						1,064
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Residential first lien			37,827						57,399						155,571						365,513						464,071						608,479						2,340						1,691,200
Pass			37,827						57,380						152,912						362,891						462,247						603,778						2,272						1,679,307
OAEM			—						—						—						1,644						173						1,851						68						3,736
Substandard			—						19						2,659						978						1,651						2,850						—						8,157
Gross charge-offs			—						—						(91)						(5)						(8)						(4)						—						(108)
Gross recoveries			—						—						—						—						—						42						—						42
Residential junior lien/home equity			22,517						19,991						50,084						53,931						34,681						5,779						512,092						699,075
Pass			22,517						19,991						50,073						53,856						34,681						5,584						508,008						694,710
Substandard			—						—						11						75						—						195						4,084						4,365
Gross charge-offs			—						—						—						—						—						—						(118)						(118)
Gross recoveries			—						—						—						—						—						2						139						141
Multifamily			11,354						27,920						31,419						266,676						128,405						177,549						1,647						644,970
Pass			11,354						27,920						31,419						252,666						123,357						175,458						1,350						623,524
OAEM			—						—						—						14,010						5,048						1,092						297						20,447
Substandard			—						—						—						—						—						999						—						999
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Non-owner occupied			119,701						110,015						237,294						450,464						205,252						811,781						13,653						1,948,160
Pass			119,701						110,015						237,294						438,277						201,908						783,516						13,564						1,904,275
OAEM			—						—						—						8,773						3,344						9,096						—						21,213
Substandard			—						—						—						3,414						—						19,169						89						22,672
Gross charge-offs			—						—						—						—						—						(875)						—						(875)
Gross recoveries			—						—						—						—						—						115						—						115
Owner occupied			48,654						82,638						117,075						150,153						138,395						222,384						13,838						773,137
Pass			48,654						77,647						112,572						138,474						135,034						206,566						13,364						732,311
OAEM			—						610						2,370						5,825						3,214						4,325						127						16,471
Substandard			—						4,381						2,133						5,854						147						11,493						347						24,355
Gross charge-offs			—						(130)						(126)						(957)						—						—						—						(1,213)
Gross recoveries			—						—						—						—						—						52						—						52

			June 30, 2025
			Term Loans																																				Revolving Loans
			2025						2024						2023						2022						2021						Prior												Total
			(dollars in thousands)
Automobile and recreational vehicles			292,556						343,161						264,788						259,959						116,750						62,446						—						1,339,660
Pass			292,556						343,108						264,703						259,886						116,712						62,425						—						1,339,390
Substandard			—						53						85						73						38						21						—						270
Gross charge-offs			—						(658)						(1,034)						(1,241)						(477)						(140)						—						(3,550)
Gross recoveries			—						151						373						588						269						247						—						1,628
Consumer credit cards			—						—						—						—						—						—						9,293						9,293
Pass			—						—						—						—						—						—						9,293						9,293
Gross charge-offs			—						—						—						—						—						—						(169)						(169)
Gross recoveries			—						—						—						—						—						—						48						48
Consumer other			3,543						6,352						3,218						1,833						9,147						2,564						35,178						61,835
Pass			3,543						6,352						3,218						1,833						9,141						2,564						35,176						61,827
Substandard			—						—						—						—						6						—						2						8
Gross charge-offs			—						(50)						(108)						(46)						(68)						(1)						(708)						(981)
Gross recoveries			—						—						2						1						21						22						141						187
Total loans and leases			$	863,300					$	1,104,865					$	1,278,540					$	1,755,676					$	1,238,147					$	2,073,477					$	1,256,810					$	9,570,815
Total charge-offs			$	—					$	(1,083)					$	(1,746)					$	(3,733)					$	(886)					$	(2,693)					$	(2,295)					$	(12,436)
Total recoveries			$	—					$	158					$	508					$	1,273					$	290					$	1,031					$	3,320					$	6,580

Age Analysis of Past Due Loans by Segment

The following tables delineate the aging analysis of the recorded investments in past due loans as of June 30, 2025 and December 31, 2024. Also included in these tables are loans that are 90 days or more past due and still accruing because they are well-secured and in the process of collection.

			June 30, 2025
			30 - 59 days past due						60 - 89 days past due						90 days or greater and still accruing						Nonaccrual						Total past due and nonaccrual						Current						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	3,386					$	809					$	259					$	53,682					$	58,136					$	1,897,197					$	1,955,333
Time and demand			3,024						524						122						52,551						56,221						1,199,339						1,255,560
Commercial credit cards			42						22						—						—						64						12,517						12,581
Equipment finance			320						263						137						1,131						1,851						571,959						573,810
Time and demand other			—						—						—						—						—						113,382						113,382
Real estate construction			348						—						—						3,115						3,463						444,689						448,152
Construction other			—						—						—						2,051						2,051						422,386						424,437
Construction residential			348						—						—						1,064						1,412						22,303						23,715
Residential real estate			4,158						1,053						778						12,345						18,334						2,371,941						2,390,275
Residential first lien			2,644						819						411						7,980						11,854						1,679,346						1,691,200
Residential junior lien/home equity			1,514						234						367						4,365						6,480						692,595						699,075
Commercial real estate			1,581						1,139						3						30,087						32,810						3,333,457						3,366,267
Multifamily			—						—						—						961						961						644,009						644,970
Non-owner occupied			361						1,036						—						17,453						18,850						1,929,310						1,948,160
Owner occupied			1,220						103						3						11,673						12,999						760,138						773,137
Loans to individuals			4,015						628						257						278						5,178						1,405,610						1,410,788
Automobile and recreational vehicles			3,815						505						102						270						4,692						1,334,968						1,339,660
Consumer credit cards			35						16						—						—						51						9,242						9,293
Consumer other			165						107						155						8						435						61,400						61,835
Total loans and leases			$	13,488					$	3,629					$	1,297					$	99,507					$	117,921					$	9,452,894					$	9,570,815

 

			December 31, 2024
			30 - 59 days past due						60 - 89 days past due						90 days or greater and still accruing						Nonaccrual						Total past due and nonaccrual						Current						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	2,379					$	1,544					$	26					$	14,987					$	18,936					$	1,659,053					$	1,677,989
Time and demand			649						1,126						26						14,181						15,982						1,117,613						1,133,595
Commercial credit cards			61						26						—						—						87						11,631						11,718
Equipment finance			1,659						392						—						806						2,857						424,463						427,320
Time and demand other			10						—						—						—						10						105,346						105,356
Real estate construction			—						—						—						2,529						2,529						480,855						483,384
Construction other			—						—						—						2,529						2,529						472,838						475,367
Construction residential			—						—						—						—						—						8,017						8,017
Residential real estate			5,677						1,659						1,588						11,587						20,511						2,321,192						2,341,703
Residential first lien			3,904						1,184						1,134						7,134						13,356						1,657,191						1,670,547
Residential junior lien/home equity			1,773						475						454						4,453						7,155						664,001						671,156
Commercial real estate			1,597						1,099						—						32,103						34,799						3,089,905						3,124,704
Multifamily			212						—						—						20						232						596,913						597,145
Non-owner occupied			72						742						—						24,550						25,364						1,779,586						1,804,950
Owner occupied			1,313						357						—						7,533						9,203						713,406						722,609
Loans to individuals			5,020						1,143						450						250						6,863						1,349,111						1,355,974
Automobile and recreational vehicles			4,667						930						149						147						5,893						1,274,752						1,280,645
Consumer credit cards			24						28						—						—						52						9,813						9,865
Consumer other			329						185						301						103						918						64,546						65,464
Total loans and leases			$	14,673					$	5,445					$	2,064					$	61,456					$	83,638					$	8,900,116					$	8,983,754

Recorded Investment and Unpaid Principal Balance for Impaired Loans with Associated Allowance

The following tables include the recorded investment and unpaid principal balance for nonperforming loans with the associated allowance amount, if applicable, as of June 30, 2025 and December 31, 2024. Also presented are the average recorded investment in nonperforming loans and the related amount of interest recognized while the loan was considered nonperforming. Average balances are calculated using month-end balances of the loans for the period reported and are included in the table below based on their period-end allowance position.

			June 30, 2025																		December 31, 2024
			Recorded investment						Unpaid principal balance						Related specific allowance						Recorded investment						Unpaid principal balance						Related specific allowance
			(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other			$	7,251					$	15,602											$	5,619					$	21,745
Time and demand			6,423						14,774												4,813						20,939
Equipment finance			828						828												806						806
Time and demand other			—						—												—						—
Real estate construction			1,511						1,511												2,529						2,581
Construction other			1,511						1,511												2,529						2,581
Construction residential			—						—												—						—
Residential real estate			9,238						10,837												8,875						10,524
Residential first lien			6,471						7,419												6,020						6,993
Residential junior lien/home equity			2,767						3,418												2,855						3,531
Commercial real estate			16,869						23,417												18,346						24,047
Multifamily			961						1,044												20						21
Non-owner occupied			13,212						18,359												16,948						22,372
Owner occupied			2,696						4,014												1,378						1,654
Loans to individuals			278						4,622												250						2,237
Automobile and recreational vehicles			270						4,520												147						2,080
Consumer other			8						102												103						157
Subtotal			35,147						55,989												35,619						61,134
With a specific allowance recorded:
Commercial, financial, agricultural and other			46,431						47,716						$	10,325					9,368						10,459						$	4,724
Time and demand			46,128						47,413						10,212						9,368						10,459						4,724
Equipment finance			303						303						113						—						—						—
Time and demand other			—						—						—						—						—						—
Real estate construction			1,604						1,656						1,044						—						—						—
Construction other			540						557						353						—						—						—
Construction residential			1,064						1,099						691						—						—						—
Residential real estate			3,107						3,286						780						2,712						2,885						369
Residential first lien			1,509						1,514						434						1,114						1,113						47
Residential junior lien/home equity			1,598						1,772						346						1,598						1,772						322
Commercial real estate			13,218						13,502						1,939						13,757						15,058						2,872
Multifamily			—						—						—						—						—						—
Non-owner occupied			4,241						4,340						986						7,602						8,686						2,093
Owner occupied			8,977						9,162						953						6,155						6,372						779
Loans to individuals			—						—						—						—						—						—
Automobile and recreational vehicles			—						—						—						—						—						—
Consumer other			—						—						—						—						—						—
Subtotal			64,360						66,160						14,088						25,837						28,402						7,965
Total			$	99,507					$	122,149					$	14,088					$	61,456					$	89,536					$	7,965

															For the Six Months Ended June 30,
															2025																								2024
															Average recorded investment						Interest income recognized																		Average recorded investment						Interest income recognized
															(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other															$	8,647					$	78																	$	5,153					$	—
Time and demand															7,851						78																		4,366						—
Equipment finance															796						—																		787						—
Time and demand other															—						—																		—						—
Real estate construction															1,681						106																		3,718						—
Construction other															1,681						106																		3,718						—
Construction residential															—						—																		—						—
Residential real estate															9,599						42																		7,943						113
Residential first lien															6,759						29																		4,708						110
Residential junior lien/home equity															2,840						13																		3,235						3
Commercial real estate															21,013						228																		5,426						46
Multifamily															177						—																		50						—
Non-owner occupied															14,096						184																		2,513						3
Owner occupied															6,740						44																		2,863						43
Loans to individuals															262						1																		143						3
Automobile and recreational vehicles															223						1																		141						3
Consumer other															39						—																		2						—
Subtotal															41,202						455																		22,383						162
With a specific allowance recorded:
Commercial, financial, agricultural and other															18,899						—																		4,585						8
Time and demand															18,848						—																		4,542						8
Equipment finance															51						—																		43						—
Time and demand other															—						—																		—						—
Real estate construction															267						—																		—						—
Construction other															90						—																		—						—
Construction residential															177						—																		—						—
Residential real estate															2,789						—																		1,249						—
Residential first lien															1,191						—																		—						—
Residential junior lien/home equity															1,598						—																		1,249						—
Commercial real estate															6,600						—																		13,193						—
Multifamily															—						—																		—						—
Non-owner occupied															2,920						—																		12,223						—
Owner occupied															3,680						—																		970						—
Loans to individuals															—						—																		—						—
Automobile and recreational vehicles															—						—																		—						—
Consumer other															—						—																		—						—
Subtotal															28,555						—																		19,027						8
Total															$	69,757					$	455																	$	41,410					$	170

															For the Three Months Ended June 30,
															2025																					2024
															Average recorded investment						Interest income recognized																		Average recorded investment						Interest Income Recognized
															(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other															$	6,906					$	—																	$	4,764					$	—
Time and demand															6,153						—																		3,959						—
Equipment finance															753						—																		805						—
Time and demand other															—						—																		—						—
Real estate construction															1,511						—																		4,148						—
Construction other															1,511						—																		4,148						—
Construction residential															—						—																		—						—
Residential real estate															9,359						23																		8,169						105
Residential first lien															6,556						10																		4,855						102
Residential junior lien/home equity															2,803						13																		3,314						3
Commercial real estate															13,021						44																		4,102						11
Multifamily															—						—																		48						—
Non-owner occupied															334						—																		1,890						1
Owner occupied															12,687						44																		2,164						10
Loans to individuals															254						1																		134						2
Automobile and recreational vehicles															246						1																		132						2
Consumer other															8						—																		2						—
Subtotal															31,051						68																		21,317						118
With a specific allowance recorded:
Commercial, financial, agricultural and other															32,311						—																		6,014						8
Time and demand															32,210						—																		5,927						8
Equipment finance															101						—																		87						—
Time and demand other															—						—																		—						—
Real estate construction															535						—																		—						—
Construction other															180						—																		—						—
Construction residential															355						—																		—						—
Residential real estate															2,941						—																		1,249						—
Residential first lien															1,343						—																		—						—
Residential junior lien/home equity															1,598						—																		1,249						—
Commercial real estate															9,084						—																		17,354						—
Multifamily															—						—																		—						—
Non-owner occupied															3,184						—																		15,785						—
Owner occupied															5,900						—																		1,569						—
Loans to individuals															—						—																		—						—
Automobile and recreational vehicles															—						—																		—						—
Consumer other															—						—																		—						—
Subtotal															44,871						—																		24,617						8
Total															$	75,922					$	68																	$	45,934					$	126

Financing Receivable, Modified [Table Text Block]

The following tables present the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty:

			For the Six Months Ended June 30, 2025
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Rate Reduction, Term Extension and Payment Deferral						Rate Reduction and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	—					$	—					$	31,880					$	312					$	—					$	—					$	32,192					1.65		%
Equipment finance			—						—						—						312						—						—						312						0.05
Residential real estate			$	—					$	—					$	25					$	720					$	—					$	—					$	745					0.03		%
Residential first lien			—						—						—						698						—						—						698						0.04
Residential junior lien/home equity			—						—						25						22						—						—						47						0.01
Commercial real estate			—						—						—						—						3,201						—						3,201						0.10
Non-owner occupied			—						—						—						—						3,201						—						3,201						0.16
Total			$	—					$	—					$	31,905					$	1,032					$	3,201					$	—					$	36,138					0.38		%

			For the Six Months Ended June 30, 2024
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Rate Reduction, Term Extension and Payment Deferral						Rate Reduction and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	189					$	1,114					$	—					$	66					$	—					$	102					$	1,471					0.09		%
Time and demand			189						1,114						—						—						—						—						1,303						0.11
Equipment finance			—						—						—						66						—						102						168						0.05
Residential real estate			—						89						—						389						—						—						478						0.02
Residential first lien			—						89						—						360						—						—						449						0.03
Residential junior lien/home equity			—						—						—						29						—						—						29						—
Commercial real estate			—						—						9,675						152						—						—						9,827						0.32
Owner occupied			—						—						9,675						152						—						—						9,827						1.36
Loans to individuals			—						12						—						9						13						—						34						—
Automobile and recreational vehicles			—						12						—						9						13						—						34						—
Total			$	189					$	1,215					$	9,675					$	616					$	13					$	102					$	11,810					0.13		%

			For the Three Months Ended June 30, 2025
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	—					$	—					$	31,880					$	312					$	32,192					1.65		%
Time and demand			—						—						31,880						—						31,880						2.54
Equipment finance			—						—						—						312						312						0.05
Residential real estate			—						—						25						140						165						0.01
Residential first lien			—						—						—						140						140						0.01
Residential junior lien/home equity			—						—						25						—						25						—
Total			$	—					$	—					$	31,905					$	452					$	32,357					0.34		%

			For the Three Months Ended June 30, 2024
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	—					$	245					$	—					$	—					$	245					0.02		%
Time and demand			—						245						—						—						245						0.02
Residential real estate			—						—						—						193						193						0.01
Residential first lien			—						—						—						193						193						0.01
Commercial real estate			—						—						9,675						—						9,675						0.31
Owner occupied			—						—						9,675						—						9,675						1.34
Total loans and leases			$	—					$	245					$	9,675					$	193					$	10,113					0.11		%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty:

			For the Six Months Ended June 30, 2025
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			—		%				1.7						$	—					0.5
Time and demand			—						0.0						—						0.5
Equipment finance			—						1.7						—						1.0
Time and demand other			—						0.0						—						0.0
Residential real estate			—						3.0						—						1.2
Residential first lien			—						3.0						—						1.3
Residential junior lien/home equity			—						2.1						—						0.5
Commercial real estate			4.00						0.4						—						0.1
Non-owner occupied			4.00						0.4						—						0.1
Total			4.00		%				1.0						$	—					0.5

			For the Six Months Ended June 30, 2024
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			1.78		%				2.1						$	—					0.4
Time and demand			1.50						2.1						—						0.0
Equipment finance			2.30						0.5						—						0.4
Residential real estate			—						4.2						—						0.6
Residential first lien			—						3.8						—						0.7
Residential junior lien/home equity			—						10.3						—						0.3
Commercial real estate			—						0.5						—						0.9
Owner occupied			—						0.5						—						0.9
Loans to individuals			2.39						2.6						—						0.4
Automobile and recreational vehicles			2.39						2.6						—						0.4
Total			1.81		%				2.5						$	—					0.9

			For the Three Months Ended June 30, 2025
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			—		%				1.7						$	—					0.5
Time and demand			—						0.0						—						0.5
Equipment finance			—						1.7						—						1.0
Residential real estate			—						1.9						—						0.6
Residential first lien			—						1.9						—						0.7
Total			—		%				1.8						$	—					0.5

			For the Three Months Ended June 30, 2024
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			—		%				5.0						$	—					0.0
Time and demand			—						5.0						—						0.0
Residential real estate			—						1.4						—						0.5
Residential first lien			—						1.4						—						0.5
Commercial real estate			—						0.0						—						0.9
Owner occupied			—						0.0						—						0.9
Total			—		%				3.4						$	—					0.9

Financing Receivable, Modified, Past Due

The following table shows the payment status of loans that have been modified in the last twelve months prior to the date presented:

			June 30, 2025
			Current						30 - 59 days past due						60 - 89 days past due						90 days or greater						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	33,807					$	—					$	—					$	—					$	33,807
Time and demand			33,495						—						—						—						33,495
Real estate construction			178						—						—						—						178
Construction other			178						—						—						—						178
Residential real estate			1,041						166						—						388						1,595
Residential first lien			848						166						—						388						1,402
Residential junior lien/home equity			193						—						—						—						193
Commercial real estate			3,321						—						—						—						3,321
Non-owner occupied			3,321						—						—						—						3,321
Owner occupied			—						—						—						—						—
Total loans and leases			$	38,347					$	166					$	—					$	388					$	38,901

			December 31, 2024
			Current						30 - 59 days past due						60 - 89 days past due						90 days or greater						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	3,871					$	—					$	—					$	—					$	3,871
Time and demand			3,871						—						—						—						3,871
Real estate construction			180						—						—						—						180
Construction other			180						—						—						—						180
Residential real estate			1,455						88						99						179						1,821
Residential first lien			1,258						88						99						179						1,624
Residential junior lien/home equity			197						—						—						—						197
Commercial real estate			9,796						—						—						—						9,796
Non-owner occupied			123						—						—						—						123
Owner occupied			9,673						—						—						—						9,673
Loans to individuals			30						—						—						—						30
Automobile and recreational vehicles			30						—						—						—						30
Total loans and leases			$	15,332					$	88					$	99					$	179					$	15,698

Allowance for Credit Losses

The following tables provide detail related to the allowance for credit losses:

			For the Six Months Ended June 30, 2025
			Beginning balance												Day 1 Allowance for credit loss on PCD acquired loans						Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	29,131											$	1,616					$	(5,422)					$	4,367					$	8,860					$	38,552
Time and demand			19,433												1,616						(3,339)						3,802						4,955						26,467
Commercial credit cards			182												—						(124)						22						133						213
Equipment finance			7,844												—						(1,126)						422						2,247						9,387
Time and demand other			1,672												—						(833)						121						1,525						2,485
Real estate construction			6,030												1,104						—						—						402						7,536
Construction other			5,916												370						—						—						232						6,518
Construction residential			114												734						—						—						170						1,018
Residential real estate			22,396												307						(226)						183						1,108						23,768
Residential first lien			15,758												300						(108)						42						680						16,672
Residential junior lien/home equity			6,638												7						(118)						141						428						7,096
Commercial real estate			40,232												1,087						(2,088)						167						1,448						40,846
Multifamily			5,431												120						—						—						(112)						5,439
Non-owner occupied			23,332												943						(875)						115						(609)						22,906
Owner occupied			11,469												24						(1,213)						52						2,169						12,501
Loans to individuals			21,117												2						(4,700)						1,863						3,982						22,264
Automobile and recreational vehicles			18,693												1						(3,550)						1,628						3,411						20,183
Consumer credit cards			341												—						(169)						48						118						338
Consumer other			2,083												1						(981)						187						453						1,743
Total loans and leases			$	118,906											$	4,116					$	(12,436)					$	6,580					$	15,800					$	132,966

a) The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Center and excludes the provision for off-balance sheet credit exposure included in the income statement.

			For the Six Months Ended June 30, 2024
			Beginning balance												Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	27,996											$	(5,250)					$	523					$	7,339					$	30,608
Time and demand			22,819												(3,377)						394						3,753						23,589
Commercial credit cards			278												(102)						—						68						244
Equipment finance			3,399												(714)						36						2,571						5,292
Time and demand other			1,500												(1,057)						93						947						1,483
Real estate construction			7,418												(35)						6						(1,000)						6,389
Construction other			6,448												(35)						6						(402)						6,017
Construction residential			970												—						—						(598)						372
Residential real estate			23,901												(255)						170						(1,643)						22,173
Residential first lien			16,975												(109)						113						(1,234)						15,745
Residential junior lien/home equity			6,926												(146)						57						(409)						6,428
Commercial real estate			37,071												(624)						124						5,973						42,544
Multifamily			5,233												—						—						(27)						5,206
Non-owner occupied			19,995												(470)						48						5,463						25,036
Owner occupied			11,843												(154)						76						537						12,302
Loans to individuals			21,332												(4,868)						1,505						3,971						21,940
Automobile and recreational vehicles			19,142												(3,725)						1,261						2,998						19,676
Consumer credit cards			372												(228)						45						157						346
Consumer other			1,818												(915)						199						816						1,918
Total loans and leases			$	117,718											$	(11,032)					$	2,328					$	14,640					$	123,654

a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.

			For the Three Months Ended June 30, 2025
			Beginning balance						Day 1 Allowance for credit loss on PCD acquired loans						Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	31,345					$	1,616					$	(1,403)					$	677					$	6,317					$	38,552
Time and demand			20,400						1,616						(363)						318						4,496						26,467
Commercial credit cards			210						—						(26)						—						29						213
Equipment finance			8,776						—						(550)						291						870						9,387
Time and demand other			1,959						—						(464)						68						922						2,485
Real estate construction			6,832						1,104						—						—						(400)						7,536
Construction other			6,675						370						—						—						(527)						6,518
Construction residential			157						734						—						—						127						1,018
Residential real estate			22,338						307						(118)						46						1,195						23,768
Residential first lien			15,603						300						(75)						26						818						16,672
Residential junior lien/home equity			6,735						7						(43)						20						377						7,096
Commercial real estate			38,371						1,087						(624)						11						2,001						40,846
Multifamily			5,478						120						—						—						(159)						5,439
Non-owner occupied			21,814						943						(1)						5						145						22,906
Owner occupied			11,079						24						(623)						6						2,015						12,501
Loans to individuals			21,045						2						(2,281)						934						2,564						22,264
Automobile and recreational vehicles			19,049						1						(1,745)						782						2,096						20,183
Consumer credit cards			323						—						(74)						30						59						338
Consumer other			1,673						1						(462)						122						409						1,743
Total loans and leases			$	119,931					$	4,116					$	(4,426)					$	1,668					$	11,677					$	132,966

a) The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Center and excludes the provision for off-balance sheet credit exposure included in the income statement.

			For the Three Months Ended June 30, 2024
			Beginning balance												Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	27,046											$	(2,588)					$	103					$	6,047					$	30,608
Time and demand			20,836												(1,612)						47						4,318						23,589
Commercial credit cards			305												(58)						—						(3)						244
Equipment finance			4,326												(363)						21						1,308						5,292
Time and demand other			1,579												(555)						35						424						1,483
Real estate construction			6,549												(35)						—						(125)						6,389
Construction other			5,801												(35)						—						251						6,017
Construction residential			748												—						—						(376)						372
Residential real estate			23,893												(175)						111						(1,656)						22,173
Residential first lien			16,883												(81)						70						(1,127)						15,745
Residential junior lien/home equity			7,010												(94)						41						(529)						6,428
Commercial real estate			39,103												(341)						10						3,772						42,544
Multifamily			5,225												—						—						(19)						5,206
Non-owner occupied			22,064												(187)						4						3,155						25,036
Owner occupied			11,814												(154)						6						636						12,302
Loans to individuals			22,507												(2,330)						843						920						21,940
Automobile and recreational vehicles			20,243												(1,783)						708						508						19,676
Consumer credit cards			347												(78)						27						50						346
Consumer other			1,917												(469)						108						362						1,918
Total loans and leases			$	119,098											$	(5,469)					$	1,067					$	8,958					$	123,654

a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.

^[1]

Financing Receivable, Modified, Subsequent Default

The following table shows modifications considered to be in default.

			June 30, 2025												December 31, 2024
			Number of Contracts						Balance						Number of Contracts						Balance
			(dollars in thousands)
Residential real estate			2						$	388					2						$	179
Residential first lien			2						388						2						179
Total loans and leases			2						$	388					2						$	179

The following table shows the payment status of loans that have been modified in the last twelve months prior to the date

[1] a) The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Center and excludes the provision for off-balance sheet credit exposure included in the income statement.

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