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Commitments and Contingencies
 9 Months Ended
Sep. 30, 2025
Commitments and Contingencies Disclosure [Abstract]  
Commitments and Contingencies Commitments and Contingencies
The following table presents a summary of the Bank’s commitments and contingent liabilities:
(in thousands)September 30,
2025		December 31,
2024
Financial instruments whose amounts represent risk:
Commitments to extend credit:
Commercial loans$856,172 $788,491 
Consumer loans605,934 627,681 
Real estate mortgage loans436,098 419,172 
Real estate construction loans218,500 272,308 
Standby letters of credit39,552 39,804 
Deposit account overdraft privilege125,823 121,006 
In April 2024, Visa Inc. announced the commencement of an exchange offer for Visa Class B-1 common stock and the Company subsequently tendered all of its Visa Class B-1 common stock in exchange for a combination of Visa Class B-2 common stock and Visa Class C common stock. Completion of the exchange resulted in a gain of $2.9 million relating to the Visa Class C common stock during 2024. Visa Class B-2 common stock continues to be carried at zero. The Bank owns 6,698 shares of Class B-2 common stock of Visa Inc. which may be convertible into Class A common stock at a conversion ratio of 1.5223 per Class B-2 share. As of September 30, 2025, the value of the Class A shares was $341.38 per share. Utilizing the conversion ratio, the value of unredeemed Class A equivalent shares
owned by the Bank was $3.5 million as of September 30, 2025, and has not been reflected in the accompanying consolidated financial statements.