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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2026
Receivables [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable | The loan portfolio balances, net of unearned income and fees, consist of various types of loans primarily made to borrowers located within Texas, and segregated by class of loan were as follows:
| March 31, 2026 |  | December 31, 2025
| (In thousands)
Commercial and industrial | $ | 1,563,421 |  |  | $ | 1,476,559 |
Real estate: |  |  |
Commercial real estate (including multi-family residential) | 3,844,629 |  |  | 3,766,294 |
Commercial real estate construction and land development | 821,723 |  |  | 720,779 |
1-4 family residential (including home equity) | 1,167,436 |  |  | 1,136,227 |
Residential construction | 102,609 |  |  | 124,653 |
Consumer and other | 88,134 |  |  | 76,079 |
Total loans | 7,587,952 |  |  | 7,300,591 |
Allowance for credit losses on loans | (85,431) |  |  | (83,629) |
Loans, net | $ | 7,502,521 |  |  | $ | 7,216,962 |
Schedule of Past Due Financing Receivables | An aging analysis of the recorded investment in past due loans, segregated by class of loans, is included below. The Company defines recorded investment as the outstanding loan balances including net deferred loan fees and excluding accrued interest receivable of $28.4 million and $27.6 million as of March 31, 2026 and December 31, 2025, respectively, due to immateriality.
| March 31, 2026
Loans Past Due and Still Accruing |  | Nonaccrual Loans |  | Current Loans |  | Total Loans
30-89 Days |  | 90 or More Days |  | Total Past Due Loans |  |  |
(In thousands)
Commercial and industrial | $ | 4,224 |  |  | $ | — |  |  | $ | 4,224 |  |  | $ | 10,488 |  |  | $ | 1,548,709 |  |  | $ | 1,563,421 |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate (including multi-family residential) | 11,423 |  |  | — |  |  | 11,423 |  |  | 32,939 |  |  | 3,800,267 |  |  | 3,844,629 |
Commercial real estate construction and land development | 793 |  |  | — |  |  | 793 |  |  | 905 |  |  | 820,025 |  |  | 821,723 |
1-4 family residential (including home equity) | 8,689 |  |  | — |  |  | 8,689 |  |  | 15,920 |  |  | 1,142,827 |  |  | 1,167,436 |
Residential construction | 980 |  |  | — |  |  | 980 |  |  | 292 |  |  | 101,337 |  |  | 102,609 |
Consumer and other | 229 |  |  | — |  |  | 229 |  |  | 46 |  |  | 87,859 |  |  | 88,134 |
Total loans | $ | 26,338 |  |  | $ | — |  |  | $ | 26,338 |  |  | $ | 60,590 |  |  | $ | 7,501,024 |  |  | $ | 7,587,952 |
| December 31, 2025
Loans Past Due and Still Accruing |  | Nonaccrual Loans |  | Current Loans |  | Total Loans
30-89 Days |  | 90 or More Days |  | Total Past Due Loans |  |  |
(In thousands)
Commercial and industrial | $ | 6,789 |  |  | $ | — |  |  | $ | 6,789 |  |  | $ | 7,616 |  |  | $ | 1,462,154 |  |  | $ | 1,476,559 |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate (including multi-family residential) | 8,790 |  |  | — |  |  | 8,790 |  |  | 29,271 |  |  | 3,728,233 |  |  | 3,766,294 |
Commercial real estate construction and land development | 2,129 |  |  | — |  |  | 2,129 |  |  | 1,838 |  |  | 716,812 |  |  | 720,779 |
1-4 family residential (including home equity) | 9,285 |  |  | — |  |  | 9,285 |  |  | 13,333 |  |  | 1,113,609 |  |  | 1,136,227 |
Residential construction | — |  |  | — |  |  | — |  |  | 448 |  |  | 124,205 |  |  | 124,653 |
Consumer and other | 35 |  |  | — |  |  | 35 |  |  | 42 |  |  | 76,002 |  |  | 76,079 |
Total loans | $ | 27,028 |  |  | $ | — |  |  | $ | 27,028 |  |  | $ | 52,548 |  |  | $ | 7,221,015 |  |  | $ | 7,300,591 |
Schedule of Financing Receivable Credit Quality Indicators | The following table presents risk ratings by category and the gross charge-offs by primary loan type and year of origination or renewal. Generally, current period renewals of credit are re-underwritten at the point of renewal and considered current period originations for purposes of the table below. The following summarizes the amortized cost basis of loans by year of origination/renewal and credit quality indicator by class of loan as of March 31, 2026 and December 31, 2025:
| March 31, 2026 |  | December 31, 2025
Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total |  | Total
2026 |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | Prior |  |  |  |
(In thousands)
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 95,859 |  |  | $ | 346,524 |  |  | $ | 141,096 |  |  | $ | 117,445 |  |  | $ | 86,892 |  |  | $ | 76,134 |  |  | $ | 622,711 |  |  | $ | 34,231 |  |  | $ | 1,520,892 |  |  | $ | 1,438,641 |
Special Mention | — |  |  | — |  |  | 1,167 |  |  | 1,411 |  |  | 48 |  |  | 152 |  |  | 11 |  |  | 7,183 |  |  | 9,972 |  |  | 4,828 |
Substandard | — |  |  | 1,314 |  |  | 1,708 |  |  | 1,629 |  |  | 7,706 |  |  | 10,166 |  |  | 2,589 |  |  | 7,445 |  |  | 32,557 |  |  | 33,090 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial loans | $ | 95,859 |  |  | $ | 347,838 |  |  | $ | 143,971 |  |  | $ | 120,485 |  |  | $ | 94,646 |  |  | $ | 86,452 |  |  | $ | 625,311 |  |  | $ | 48,859 |  |  | $ | 1,563,421 |  |  | $ | 1,476,559 |
Current period gross charge-offs | $ | — |  |  | $ | 28 |  |  | $ | 141 |  |  | $ | 50 |  |  | $ | — |  |  | $ | 210 |  |  | $ | 56 |  |  | $ | 268 |  |  | $ | 753 |  |  |
Commercial real estate (including multi-family residential) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 276,520 |  |  | $ | 628,474 |  |  | $ | 268,451 |  |  | $ | 298,813 |  |  | $ | 1,096,248 |  |  | $ | 943,669 |  |  | $ | 123,891 |  |  | $ | 27,338 |  |  | $ | 3,663,404 |  |  | $ | 3,580,264 |
Special Mention | — |  |  | 5,796 |  |  | 121 |  |  | 9,045 |  |  | 24,500 |  |  | 19,782 |  |  | 297 |  |  | — |  |  | 59,541 |  |  | 76,560 |
Substandard | 10,608 |  |  | 13,463 |  |  | 13,690 |  |  | 11,292 |  |  | 24,622 |  |  | 47,383 |  |  | 145 |  |  | 481 |  |  | 121,684 |  |  | 109,470 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate (including multi-family residential) loans | $ | 287,128 |  |  | $ | 647,733 |  |  | $ | 282,262 |  |  | $ | 319,150 |  |  | $ | 1,145,370 |  |  | $ | 1,010,834 |  |  | $ | 124,333 |  |  | $ | 27,819 |  |  | $ | 3,844,629 |  |  | $ | 3,766,294 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 851 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 851 |  |  |
Commercial real estate construction and land development |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 63,531 |  |  | $ | 377,523 |  |  | $ | 151,255 |  |  | $ | 50,730 |  |  | $ | 61,818 |  |  | $ | 39,813 |  |  | $ | 58,408 |  |  | $ | 4,007 |  |  | $ | 807,085 |  |  | $ | 703,735 |
Special Mention | — |  |  | 9,642 |  |  | — |  |  | 551 |  |  | 793 |  |  | 693 |  |  | — |  |  | — |  |  | 11,679 |  |  | 12,551 |
Substandard | — |  |  | 76 |  |  | 566 |  |  | 1,093 |  |  | 312 |  |  | 740 |  |  | — |  |  | 172 |  |  | 2,959 |  |  | 4,493 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate construction and land development | $ | 63,531 |  |  | $ | 387,241 |  |  | $ | 151,821 |  |  | $ | 52,374 |  |  | $ | 62,923 |  |  | $ | 41,246 |  |  | $ | 58,408 |  |  | $ | 4,179 |  |  | $ | 821,723 |  |  | $ | 720,779 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |
| March 31, 2026 |  | December 31, 2025
Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  |  |  |
2026 |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | Prior |  |  |  | Total |  | Total
(In thousands)
1-4 family residential (including home equity) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 33,271 |  |  | $ | 157,791 |  |  | $ | 143,934 |  |  | $ | 170,019 |  |  | $ | 237,472 |  |  | $ | 291,605 |  |  | $ | 77,011 |  |  | $ | 16,959 |  |  | $ | 1,128,062 |  |  | $ | 1,095,589 |
Special Mention | 227 |  |  | — |  |  | 360 |  |  | 1,373 |  |  | 1,731 |  |  | 997 |  |  | 157 |  |  | 150 |  |  | 4,995 |  |  | 11,405 |
Substandard | — |  |  | 1,512 |  |  | 575 |  |  | 2,195 |  |  | 8,781 |  |  | 14,669 |  |  | 3,662 |  |  | 2,985 |  |  | 34,379 |  |  | 29,233 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total 1-4 family residential (including home equity) | $ | 33,498 |  |  | $ | 159,303 |  |  | $ | 144,869 |  |  | $ | 173,587 |  |  | $ | 247,984 |  |  | $ | 307,271 |  |  | $ | 80,830 |  |  | $ | 20,094 |  |  | $ | 1,167,436 |  |  | $ | 1,136,227 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  |
Residential construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 4,503 |  |  | $ | 78,472 |  |  | $ | 14,629 |  |  | $ | 3,356 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 100,960 |  |  | $ | 123,828 |
Special Mention | — |  |  | 980 |  |  | — |  |  | — |  |  | — |  |  | 377 |  |  | — |  |  | — |  |  | 1,357 |  |  | 377 |
Substandard | — |  |  | — |  |  | 292 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 292 |  |  | 448 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential construction | $ | 4,503 |  |  | $ | 79,452 |  |  | $ | 14,921 |  |  | $ | 3,356 |  |  | $ | — |  |  | $ | 377 |  |  | $ | — |  |  | $ | — |  |  | $ | 102,609 |  |  | $ | 124,653 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 28,203 |  |  | $ | 28,548 |  |  | $ | 6,247 |  |  | $ | 4,802 |  |  | $ | 2,988 |  |  | $ | 1,307 |  |  | $ | 14,752 |  |  | $ | 1,183 |  |  | $ | 88,030 |  |  | $ | 75,979 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | — |  |  | 4 |  |  | 6 |
Substandard | — |  |  | 27 |  |  | 34 |  |  | 16 |  |  | 23 |  |  | — |  |  | — |  |  | — |  |  | 100 |  |  | 94 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer and other | $ | 28,203 |  |  | $ | 28,575 |  |  | $ | 6,281 |  |  | $ | 4,818 |  |  | $ | 3,011 |  |  | $ | 1,311 |  |  | $ | 14,752 |  |  | $ | 1,183 |  |  | $ | 88,134 |  |  | $ | 76,079 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5 |  |  | $ | — |  |  | $ | — |  |  | $ | 5 |  |  | $ | — |  |  | $ | 10 |  |  |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 501,887 |  |  | $ | 1,617,332 |  |  | $ | 725,612 |  |  | $ | 645,165 |  |  | $ | 1,485,418 |  |  | $ | 1,352,528 |  |  | $ | 896,773 |  |  | $ | 83,718 |  |  | $ | 7,308,433 |  |  | $ | 7,018,036 |
Special Mention | 227 |  |  | 16,418 |  |  | 1,648 |  |  | 12,380 |  |  | 27,072 |  |  | 22,005 |  |  | 465 |  |  | 7,333 |  |  | 87,548 |  |  | 105,727 |
Substandard | 10,608 |  |  | 16,392 |  |  | 16,865 |  |  | 16,225 |  |  | 41,444 |  |  | 72,958 |  |  | 6,396 |  |  | 11,083 |  |  | 191,971 |  |  | 176,828 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans | $ | 512,722 |  |  | $ | 1,650,142 |  |  | $ | 744,125 |  |  | $ | 673,770 |  |  | $ | 1,553,934 |  |  | $ | 1,447,491 |  |  | $ | 903,634 |  |  | $ | 102,134 |  |  | $ | 7,587,952 |  |  | $ | 7,300,591 |
Current period gross charge-offs | $ | — |  |  | $ | 28 |  |  | $ | 141 |  |  | $ | 57 |  |  | $ | 851 |  |  | $ | 210 |  |  | $ | 61 |  |  | $ | 268 |  |  | $ | 1,616 |  |  |
Schedule of Allowance for Credit Losses on Financing Receivables | The following table presents the activity in the allowance for credit losses on loans by portfolio type for the three months ended March 31, 2026 and 2025:
| Commercial and Industrial |  | Commercial Real Estate (Including Multi-family Residential) |  | Commercial Real Estate Construction and Land Development |  | 1-4 Family Residential (Including Home Equity) |  | Residential Construction |  | Consumer and Other |  | Total
(In thousands)
Three Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |
Balance December 31, 2025 | $ | 33,182 |  |  | $ | 31,873 |  |  | $ | 13,220 |  |  | $ | 3,214 |  |  | $ | 1,222 |  |  | $ | 918 |  |  | $ | 83,629 |
Provision for (reversal of) credit losses on loans | (259) |  |  | 1,353 |  |  | 1,999 |  |  | 57 |  |  | (222) |  |  | 232 |  |  | 3,160 |
Charge-offs | (753) |  |  | (851) |  |  | — |  |  | (2) |  |  | — |  |  | (10) |  |  | (1,616) |
Recoveries | 240 |  |  | — |  |  | — |  |  | 16 |  |  | — |  |  | 2 |  |  | 258 |
Net charge-offs | (513) |  |  | (851) |  |  | — |  |  | 14 |  |  | — |  |  | (8) |  |  | (1,358) |
Balance March 31, 2026 | $ | 32,410 |  |  | $ | 32,375 |  |  | $ | 15,219 |  |  | $ | 3,285 |  |  | $ | 1,000 |  |  | $ | 1,142 |  |  | $ | 85,431 |
Three Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |
Balance December 31, 2024 | $ | 28,847 |  |  | $ | 29,833 |  |  | $ | 16,383 |  |  | $ | 3,320 |  |  | $ | 1,565 |  |  | $ | 1,110 |  |  | $ | 81,058 |
Provision for (reversal of) credit losses on loans | 1,166 |  |  | 4,175 |  |  | (2,423) |  |  | 271 |  |  | (169) |  |  | (169) |  |  | 2,851 |
Charge-offs | (45) |  |  | — |  |  | (310) |  |  | (224) |  |  | — |  |  | (3) |  |  | (582) |
Recoveries | 416 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 419 |
Net charge-offs | 371 |  |  | — |  |  | (310) |  |  | (224) |  |  | — |  |  | — |  |  | (163) |
Balance March 31, 2025 | $ | 30,384 |  |  | $ | 34,008 |  |  | $ | 13,650 |  |  | $ | 3,367 |  |  | $ | 1,396 |  |  | $ | 941 |  |  | $ | 83,746 |
Schedule of Amortized Cost Basis of Collateral Dependent Loans Individually Evaluated to Determine Expected Credit Losses | The following tables present the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses as of March 31, 2026 and December 31, 2025:
| March 31, 2026
| Real Estate |  | Business Assets |  | Other |  | Total
| (In thousands)
Commercial and industrial | $ | — |  |  | $ | 5,066 |  |  | $ | — |  |  | $ | 5,066 |
Real estate: |  |  |  |  |  |  |
Commercial real estate (including multi-family residential) | 31,883 |  |  | — |  |  | — |  |  | 31,883 |
Commercial real estate construction and land development | 905 |  |  | — |  |  | — |  |  | 905 |
1-4 family residential (including home equity) | 13,567 |  |  | — |  |  | — |  |  | 13,567 |
Residential construction | 292 |  |  | — |  |  | — |  |  | 292 |
Total | $ | 46,647 |  |  | $ | 5,066 |  |  | $ | — |  |  | $ | 51,713 |
| December 31, 2025
| Real Estate |  | Business Assets |  | Other |  | Total
| (In thousands)
Commercial and industrial | $ | — |  |  | $ | 4,390 |  |  | $ | — |  |  | $ | 4,390 |
Real estate: |  |  |  |  |  |  |
Commercial real estate (including multi-family residential) | 28,194 |  | — |  |  | — |  |  | 28,194 |
Commercial real estate construction and land development | 1,838 |  |  | — |  |  | — |  |  | 1,838 |
1-4 family residential (including home equity) | 10,944 |  |  | — |  |  | — |  |  | 10,944 |
Residential construction | 448 |  |  | — |  |  | — |  |  | 448 |
Total | $ | 41,424 |  |  | $ | 4,390 |  |  | $ | — |  |  | $ | 45,814 |
Schedule of Nonaccrual Loans | The following tables present additional information regarding nonaccrual loans. No interest income was recognized on nonaccrual loans as of March 31, 2026 and December 31, 2025:
| March 31, 2026
| Nonaccrual Loans with No Related Allowance |  | Nonaccrual Loans with Related Allowance |  | Total Nonaccrual Loans
| (In thousands)
Commercial and industrial | $ | 3,144 |  |  | $ | 7,344 |  |  | $ | 10,488 |
Real estate: |  |  |  |  |
Commercial real estate (including multi-family residential) | 16,868 |  |  | 16,071 |  |  | 32,939 |
Commercial real estate construction and land development | 905 |  |  | — |  |  | 905 |
1-4 family residential (including home equity) | 9,426 |  |  | 6,494 |  |  | 15,920 |
Residential construction | 292 |  |  | — |  |  | 292 |
Consumer and other | — |  |  | 46 |  |  | 46 |
Total | $ | 30,635 |  |  | $ | 29,955 |  |  | $ | 60,590 |
| December 31, 2025
| Nonaccrual Loans with No Related Allowance |  | Nonaccrual Loans with Related Allowance |  | Total Nonaccrual Loans
| (In thousands)
Commercial and industrial | $ | 2,291 |  |  | $ | 5,325 |  |  | $ | 7,616 |
Real estate: |  |  |  |  |
Commercial real estate (including multi-family residential) | 15,489 |  |  | 13,782 |  |  | 29,271 |
Commercial real estate construction and land development | 1,838 |  |  | — |  |  | 1,838 |
1-4 family residential (including home equity) | 8,170 |  |  | 5,163 |  |  | 13,333 |
Residential construction | 448 |  |  | — |  |  | 448 |
Consumer and other | — |  |  | 42 |  |  | 42 |
Total | $ | 28,236 |  |  | $ | 24,312 |  |  | $ | 52,548 |
Schedule of Troubled Debt Restructurings on Financing Receivables | The following tables present information regarding loans that were modified due to the borrowers experiencing financial difficulty during the three months ended March 31, 2026 and 2025:
|  | Three Months Ended March 31, 2026
|  | Interest Rate Reduction |  | Term Extension |  | Payment Delay |  | Principal Forgiveness |  | Combination Term Extension and Payment Delay |  | Combination Term Extension and Interest Rate Reduction |  | Total
| (In thousands)
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate (including multi-family residential) |  | $ | — |  |  | $ | 10,842 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 10,842 |
1-4 family residential (including home equity) |  | — |  | 227 |  | 1,642 |  | — |  | — |  | — |  | 1,869
Total |  | $ | — |  |  | $ | 11,069 |  |  | $ | 1,642 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 12,711 |
|  | Three Months Ended March 31, 2025
|  | Interest Rate Reduction |  | Term Extension |  | Payment Delay |  | Principal Forgiveness |  | Combination Term Extension and Payment Delay |  | Combination Term Extension and Interest Rate Reduction |  | Total
| (In thousands)
Commercial and industrial |  | $ | — |  |  | $ | 1,586 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,586 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate (including multi-family residential) |  | — |  | 904 |  | — |  | — |  | — |  | — |  | 904
Commercial real estate construction and land development |  | — |  | 49 |  | — |  | — |  | 1,428 |  | — |  | 1,477
Total |  | $ | — |  |  | $ | 2,539 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,428 |  |  | $ | — |  |  | $ | 3,967 |
The following tables present, by loan portfolio, the financial effect of the Company’s loan modifications for the periods indicated:
|  | Three Months Ended March 31, 2026 |  | Three Months Ended March 31, 2025
|  | Weighted-Average Term Extension |  | Weighted-Average Interest Rate Reduction |  | Weighted-Average Term Extension |  | Weighted-Average Interest Rate Reduction
|  | (months) |  |  |  | (months) |  |
Commercial and industrial |  | — |  | — | % |  | 15 |  | — | %
Real estate: |  |  |  |  |  |  |  |
Commercial real estate (including multi-family residential) |  | 6 |  | — | % |  | 12 |  | — | %
Commercial real estate construction and land development |  | — |  | — | % |  | 3 |  | — | %
1-4 family residential (including home equity) |  | 6 |  | — | % |  | — |  | — | %
The following table presents modified loans that had a payment default, determined as 90 or more days past due, that were modified due to the borrowers experiencing financial difficulty during the periods indicated:
|  | Twelve Months Ended March 31, 2026 |  | Twelve Months Ended March 31, 2025
|  | Term Extension |  | Payment Delay |  | Combination |  | Term Extension |  | Payment Delay |  | Combination
|  | (In thousands)
Commercial and industrial |  | $ | 375 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate (including multi-family residential) |  | 154 |  | — |  | — |  | 904 |  | — |  | —
Commercial real estate construction and land development |  | 172 |  | — |  | — |  | 290 |  | — |  | —
1-4 family residential (including home equity) |  | — |  | 1,641 |  | — |  | 1,077 |  | — |  | —
Total |  | $ | 701 |  |  | $ | 1,641 |  |  | $ | — |  |  | $ | 2,271 |  |  | $ | — |  |  | $ | — |

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