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Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2025

Allowance For Loan And Lease Losses [Abstract]

Summary of Activity in Allowance for Loan Losses, and Ending Balance of Loans, Net of Unearned Fees for Periods Indicated

For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:

			Allowance for credit losses – Three months ended September 30, 2025
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	40,921											$	—					$	—					$	258					$	41,179
CRE owner occupied			11,578												—						—						352						11,930
Multifamily			15,097												—						—						609						15,706
Farmland			6,888												—						—						(686)						6,202
Total commercial real estate loans			74,484												—						—						533						75,017
Consumer:
SFR 1-4 1st DT liens			11,135												—						—						(113)						11,022
SFR HELOCs and junior liens			12,021												—						4						337						12,362
Other			2,162												(142)						30						314						2,364
Total consumer loans			25,318												(142)						34						538						25,748
Commercial and industrial			10,024												(595)						89						(429)						9,089
Construction			10,995												—						—						(203)						10,792
Agriculture production			3,609												—						—						292						3,901
Leases			25												—						—						(1)						24
Allowance for credit losses on loans			124,455												(737)						123						730						124,571
Reserve for unfunded commitments			7,205												—						—						(60)						7,145
Total			$	131,660											$	(737)					$	123					$	670					$	131,716

			Allowance for credit losses – Nine months ended September 30, 2025
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	37,229											$	—					$	—					$	3,950					$	41,179
CRE owner occupied			15,747												—						1						(3,818)						11,930
Multifamily			15,913												—						—						(207)						15,706
Farmland			3,960												—						—						2,242						6,202
Total commercial real estate loans			72,849												—						1						2,167						75,017
Consumer:
SFR 1-4 1st DT liens			14,227												—						—						(3,205)						11,022
SFR HELOCs and junior liens			10,411												—						20						1,931						12,362
Other			2,825												(459)						103						(105)						2,364
Total consumer loans			27,463												(459)						123						(1,379)						25,748
Commercial and industrial			14,397												(9,236)						255						3,673						9,089
Construction			7,224												—						—						3,568						10,792
Agriculture production			3,403												(11)						614						(105)						3,901
Leases			30												—						—						(6)						24
Allowance for credit losses on loans			125,366												(9,706)						993						7,918						124,571
Reserve for unfunded commitments			6,000												—						—						1,145						7,145
Total			$	131,366											$	(9,706)					$	993					$	9,063					$	131,716

For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:

			Allowance for credit losses – Year ended December 31, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	35,077											$	—					$	187					$	1,965					$	37,229
CRE owner occupied			15,081												—						2						664						15,747
Multifamily			14,418												—						—						1,495						15,913
Farmland			4,288												—						—						(328)						3,960
Total commercial real estate loans			68,864												—						189						3,796						72,849
Consumer:
SFR 1-4 1st DT liens			14,009												(27)						—						245						14,227
SFR HELOCs and junior liens			10,273												(41)						395						(216)						10,411
Other			3,171												(746)						217						183						2,825
Total consumer loans			27,453												(814)						612						212						27,463
Commercial and industrial			12,750												(1,787)						547						2,887						14,397
Construction			8,856												—						—						(1,632)						7,224
Agriculture production			3,589												(1,450)						65						1,199						3,403
Leases			10												—						—						20						30
Allowance for credit losses on loans			121,522												(4,051)						1,413						6,482						125,366
Reserve for unfunded commitments			5,850												—						—						150						6,000
Total			$	127,372											$	(4,051)					$	1,413					$	6,632					$	131,366

			Allowance for credit losses – Three months ended September 30, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	37,155											$	—					$	—					$	(949)					$	36,206
CRE owner occupied			15,873												—						1						(492)						15,382
Multifamily			15,973												—						—						(238)						15,735
Farmland			4,031												—						—						(15)						4,016
Total commercial real estate loans			73,032												—						1						(1,694)						71,339
Consumer:
SFR 1-4 1st DT liens			14,604												—						—						(238)						14,366
SFR HELOCs and junior liens			10,087												—						196						(98)						10,185
Other			2,983												(170)						63						77						2,953
Total consumer loans			27,674												(170)						259						(259)						27,504
Commercial and industrial			12,128												(274)						106						2,493						14,453
Construction			7,466												—						—						(347)						7,119
Agriculture production			3,180												—						1						131						3,312
Leases			37												—						—						(4)						33
Allowance for credit losses on loans			123,517												(444)						367						320						123,760
Reserve for unfunded commitments			6,210												—						—						(100)						6,110
Total			$	129,727											$	(444)					$	367					$	220					$	129,870

			Allowance for credit losses – Nine months ended September 30, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	35,077											$	—					$	—					$	1,129					$	36,206
CRE owner occupied			15,081												—						2						299						15,382
Multifamily			14,418												—						—						1,317						15,735
Farmland			4,288												—						—						(272)						4,016
Total commercial real estate loans			68,864												—						2						2,473						71,339
Consumer:
SFR 1-4 1st DT liens			14,009												(26)						—						383						14,366
SFR HELOCs and junior liens			10,273												(41)						296						(343)						10,185
Other			3,171												(538)						184						136						2,953
Total consumer loans			27,453												(605)						480						176						27,504
Commercial and industrial			12,750												(1,274)						389						2,588						14,453
Construction			8,856												—						—						(1,737)						7,119
Agriculture production			3,589												(1,450)						26						1,147						3,312
Leases			10												—						—						23						33
Allowance for credit losses on loans			121,522												(3,329)						897						4,670						123,760
Reserve for unfunded commitments			5,850												—						—						260						6,110
Total			$	127,372											$	(3,329)					$	897					$	4,930					$	129,870

Schedule Credit Quality Indicators

Based on the most recent analysis performed, the risk category of loans by class of loans is as follows for the period indicated:

			Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2025																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2025						2024						2023						2022						2021						Prior
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	168,168					$	187,415					$	178,194					$	422,035					$	283,409					$	1,032,094					$	139,800					$	—					$	2,411,115
Special Mention			—						—						10,529						1,647						3,670						3,220						779						—						19,845
Substandard			—						—						—						1,732						—						16,984						—						—						18,716
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	168,168					$	187,415					$	188,723					$	425,414					$	287,079					$	1,052,298					$	140,579					$	—					$	2,449,676
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	131,947					$	80,780					$	79,735					$	180,707					$	173,012					$	316,633					$	35,444					$	—					$	998,258
Special Mention			4,930						136						363						4,524						242						6,790						5,184						—						22,169
Substandard			—						—						—						7,361						3,205						6,307						217						—						17,090
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	136,877					$	80,916					$	80,098					$	192,592					$	176,459					$	329,730					$	40,845					$	—					$	1,037,517
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2025																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2025						2024						2023						2022						2021						Prior
Commercial real estate:
Multifamily risk ratings
Pass			$	52,473					$	68,410					$	27,604					$	189,971					$	291,377					$	364,101					$	37,197					$	—					$	1,031,133
Special Mention			—						—						—						—						446						204						2,686						—						3,336
Substandard			—						—						—						446						—						13,229						—						—						13,675
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	52,473					$	68,410					$	27,604					$	190,417					$	291,823					$	377,534					$	39,883					$	—					$	1,048,144
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	6,147					$	23,236					$	18,409					$	35,158					$	17,900					$	49,634					$	33,599					$	—					$	184,083
Special Mention			627						—						—						2,051						2,640						5,909						2,719						—						13,946
Substandard			—						—						820						9,682						23,880						10,110						15,536						—						60,028
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	6,774					$	23,236					$	19,229					$	46,891					$	44,420					$	65,653					$	51,854					$	—					$	258,057
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	56,090					$	55,497					$	94,852					$	162,323					$	226,607					$	233,572					$	—					$	5,373					$	834,314
Special Mention			—						—						—						285						3,015						1,449						—						312						5,061
Substandard			—						—						228						129						4,110						4,176						—						678						9,321
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	56,090					$	55,497					$	95,080					$	162,737					$	233,732					$	239,197					$	—					$	6,363					$	848,696
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass			$	1,519					$	—					$	—					$	—					$	—					$	56					$	380,086					$	5,140					$	386,801
Special Mention			—						—						—						—						—						—						9,089						431						9,520
Substandard			—						—						—						—						—						—						5,459						304						5,763
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	1,519					$	—					$	—					$	—					$	—					$	56					$	394,634					$	5,875					$	402,084
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
Other risk ratings
Pass			$	2,845					$	5,320					$	15,407					$	4,366					$	4,402					$	8,536					$	571					$	—					$	41,447
Special Mention			5						65						202						2						207						164						35						—						680
Substandard			—						4						258						286						194						259						1						—						1,002
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	2,850					$	5,389					$	15,867					$	4,654					$	4,803					$	8,959					$	607					$	—					$	43,129
Year-to-date gross charge-offs			$	358					$	65					$	15					$	—					$	—					$	4					$	17					$	—					$	459

			Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2025																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2025						2024						2023						2022						2021						Prior
Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	93,800					$	46,685					$	34,892					$	59,627					$	19,804					$	6,706					$	177,143					$	86					$	438,743
Special Mention			—						423						2,988						1,646						489						143						5,393						—						11,082
Substandard			—						196						102						335						708						381						1,627						47						3,396
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	93,800					$	47,304					$	37,982					$	61,608					$	21,001					$	7,230					$	184,163					$	133					$	453,221
Year-to-date gross charge-offs			$	411					$	95					$	—					$	—					$	58					$	—					$	8,672					$	—					$	9,236

Construction loans:
Construction risk ratings
Pass			$	27,254					$	76,636					$	122,763					$	48,900					$	7,710					$	13,226					$	—					$	—					$	296,489
Special Mention			373						—						—						—						—						—						—						—						373
Substandard			—						—						—						885						529						498						—						—						1,912
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	27,627					$	76,636					$	122,763					$	49,785					$	8,239					$	13,724					$	—					$	—					$	298,774
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	1,231					$	756					$	1,118					$	1,620					$	442					$	7,392					$	145,549					$	—					$	158,108
Special Mention			—						—						—						—						—						—						3,340						—						3,340
Substandard			—						—						—						116						269						188						317						—						890
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	1,231					$	756					$	1,118					$	1,736					$	711					$	7,580					$	149,206					$	—					$	162,338
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	11					$	—					$	—					$	11

Leases:
Lease risk ratings
Pass			$	5,188					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	5,188
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	5,188					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	5,188
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	546,662					$	544,735					$	572,974					$	1,104,707					$	1,024,663					$	2,031,950					$	949,389					$	10,599					$	6,785,679
Special Mention			5,935						624						14,082						10,155						10,709						17,879						29,225						743						89,352
Substandard			—						200						1,408						20,972						32,895						52,132						23,157						1,029						131,793
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	552,597					$	545,559					$	588,464					$	1,135,834					$	1,068,267					$	2,101,961					$	1,001,771					$	12,371					$	7,006,824
Year-to-date gross charge-offs			$	769					$	160					$	15					$	—					$	58					$	15					$	8,689					$	—					$	9,706

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2019						Prior
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	184,623					$	177,650					$	408,129					$	282,953					$	152,278					$	909,735					$	163,628					$	—					$	2,278,996
Special Mention			—						836						1,688						—						—						24,840						506						—						27,870
Substandard			—						—						—						—						—						16,170						—						—						16,170
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	184,623					$	178,486					$	409,817					$	282,953					$	152,278					$	950,745					$	164,134					$	—					$	2,323,036
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	83,320					$	75,804					$	191,619					$	177,134					$	104,490					$	254,282					$	35,961					$	—					$	922,610
Special Mention			1,618						—						2,699						1,731						206						11,950						—						—						18,204
Substandard			—						242						7,798						5,380						3,490						3,644						47						—						20,601
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	84,938					$	76,046					$	202,116					$	184,245					$	108,186					$	269,876					$	36,008					$	—					$	961,415
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Multifamily risk ratings
Pass			$	65,376					$	27,904					$	171,470					$	294,317					$	117,889					$	289,229					$	44,816					$	—					$	1,011,001
Special Mention			—						—						—						11,926						—						207						3,393						—						15,526
Substandard			—						—						480						—						554						474						—						—						1,508
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	65,376					$	27,904					$	171,950					$	306,243					$	118,443					$	289,910					$	48,209					$	—					$	1,028,035
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	23,780					$	18,205					$	45,582					$	20,832					$	15,066					$	36,909					$	44,083					$	—					$	204,457
Special Mention			—						—						2,057						7,944						47						3,764						1,356						—						15,168
Substandard			—						2,770						—						20,414						—						10,416						11,921						—						45,521
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	23,780					$	20,975					$	47,639					$	49,190					$	15,113					$	51,089					$	57,360					$	—					$	265,146
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	60,203					$	113,467					$	173,217					$	241,388					$	115,915					$	137,361					$	—					$	3,952					$	845,503
Special Mention			—						—						60						—						—						892						—						239						1,191
Substandard			—						244						137						3,467						2,092						6,393						—						633						12,966
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	60,203					$	113,711					$	173,414					$	244,855					$	118,007					$	144,646					$	—					$	4,824					$	859,660
Period end gross write-offs			$	—					$	27					$	—					$	—					$	—					$	—					$	—					$	—					$	27

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2019						Prior
Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass			$	236					$	—					$	—					$	—					$	—					$	68					$	345,902					$	5,799					$	352,005
Special Mention			—						—						—						—						—						4						6,082						327						6,413
Substandard			—						—						—						—						—						—						4,579						423						5,002
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	236					$	—					$	—					$	—					$	—					$	72					$	356,563					$	6,549					$	363,420
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	41					$	—					$	41

Consumer loans:
Other risk ratings
Pass			$	10,371					$	21,746					$	5,891					$	6,059					$	4,917					$	6,991					$	610					$	—					$	56,585
Special Mention			—						63						34						227						107						41						21						—						493
Substandard			37						152						304						111						2						294						1						—						901
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	10,408					$	21,961					$	6,229					$	6,397					$	5,026					$	7,326					$	632					$	—					$	57,979
Period end gross write-offs			$	385					$	88					$	40					$	74					$	37					$	108					$	14					$	—					$	746

Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	73,321					$	49,921					$	61,634					$	48,255					$	3,721					$	8,463					$	203,978					$	150					$	449,443
Special Mention			137						775						1,970						63						275						851						3,197						—						7,268
Substandard			272						35						682						728						—						596						12,200						47						14,560
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	73,730					$	50,731					$	64,286					$	49,046					$	3,996					$	9,910					$	219,375					$	197					$	471,271
Period end gross write-offs			$	389					$	—					$	178					$	95					$	24					$	—					$	1,101					$	—					$	1,787

Construction loans:
Construction risk ratings
Pass			$	36,031					$	124,759					$	80,269					$	11,354					$	6,714					$	7,359					$	—					$	—					$	266,486
Special Mention			—						—						13,390						—						—						—						—						—						13,390
Substandard			—						—						—						—						—						57						—						—						57
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	36,031					$	124,759					$	93,659					$	11,354					$	6,714					$	7,416					$	—					$	—					$	279,933
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	265					$	1,434					$	2,297					$	905					$	175					$	7,477					$	133,115					$	—					$	145,668
Special Mention			—						—						—						—						2						218						5,192						—						5,412
Substandard			—						—						138						485						107						12						—						—						742
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	265					$	1,434					$	2,435					$	1,390					$	284					$	7,707					$	138,307					$	—					$	151,822
Period end gross write-offs			$	—					$	—					$	173					$	—					$	—					$	—					$	1,277					$	—					$	1,450

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2019						Prior
Leases:
Lease risk ratings
Pass			$	6,806					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	6,806
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	6,806					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	6,806
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	544,332					$	610,890					$	1,140,108					$	1,083,197					$	521,165					$	1,657,874					$	972,093					$	9,901					$	6,539,560
Special Mention			1,755						1,674						21,898						21,891						637						42,767						19,747						566						110,935
Substandard			309						3,443						9,539						30,585						6,245						38,056						28,748						1,103						118,028
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	546,396					$	616,007					$	1,171,545					$	1,135,673					$	528,047					$	1,738,697					$	1,020,588					$	11,570					$	6,768,523
Period end gross write-offs			$	774					$	115					$	391					$	169					$	61					$	108					$	2,433					$	—					$	4,051

Analysis of Past Due Loans

The following table shows the ending balance of current and past due originated loans by loan category as of the date indicated:

			Analysis of Past Due Loans - As of September 30, 2025
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	—					$	—					$	4,729					$	4,729					$	2,444,947					$	2,449,676
CRE owner occupied			1,522						242						1,887						3,651						1,033,866						1,037,517
Multifamily			3						165						—						168						1,047,976						1,048,144
Farmland			—						5,697						14,820						20,517						237,540						258,057
Total commercial real estate loans			1,525						6,104						21,436						29,065						4,764,329						4,793,394
Consumer:
SFR 1-4 1st DT liens			126						2,472						529						3,127						845,569						848,696
SFR HELOCs and junior liens			4,758						395						2,281						7,434						394,650						402,084
Other			114						173						281						568						42,561						43,129
Total consumer loans			4,998						3,040						3,091						11,129						1,282,780						1,293,909
Commercial and industrial			829						786						1,395						3,010						450,211						453,221
Construction			—						—						1,863						1,863						296,911						298,774
Agriculture production			102						226						317						645						161,693						162,338
Leases			—						—						—						—						5,188						5,188
Total			$	7,454					$	10,156					$	28,102					$	45,712					$	6,961,112					$	7,006,824

			Analysis of Past Due Loans - As of December 31, 2024
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	221					$	—					$	2,452					$	2,673					$	2,320,363					$	2,323,036
CRE owner occupied			1,625						85						3,619						5,329						956,086						961,415
Multifamily			1,120						—						—						1,120						1,026,915						1,028,035
Farmland			2,686						113						6,145						8,944						256,202						265,146
Total commercial real estate loans			5,652						198						12,216						18,066						4,559,566						4,577,632
Consumer:
SFR 1-4 1st DT liens			—						6						1,556						1,562						858,098						859,660
SFR HELOCs and junior liens			201						852						1,078						2,131						361,289						363,420
Other			50						—						132						182						57,797						57,979
Total consumer loans			251						858						2,766						3,875						1,277,184						1,281,059
Commercial and industrial			537						308						9,257						10,102						461,169						471,271
Construction			—						—						—						—						279,933						279,933
Agriculture production			37						317						314						668						151,154						151,822
Leases			—						—						—						—						6,806						6,806
Total			$	6,477					$	1,681					$	24,553					$	32,711					$	6,735,812					$	6,768,523

Schedule of Non Accrual Loans

The following table shows the ending balance of non accrual loans by loan category as of the date indicated:

			Non Accrual Loans
			As of September 30, 2025																		As of December 31, 2024
(in thousands)			Non accrual with no allowance for credit losses						Total non accrual						Past due 90 days or more and still accruing						Non accrual with no allowance for credit losses						Total non accrual						Past due 90 days or more and still accruing
Commercial real estate:
CRE non-owner occupied			$	4,514					$	4,514					$	732					$	3,017					$	3,017					$	—
CRE owner occupied			6,404						6,404						102						3,632						3,874						—
Multifamily			446						446						—						480						480						—
Farmland			24,054						32,843						3,448						12,483						16,195						—
Total commercial real estate loans			35,418						44,207						4,282						19,612						23,566						—
Consumer:
SFR 1-4 1st DT liens			6,302						6,302						—						5,979						5,979						—
SFR HELOCs and junior liens			5,569						5,784						—						3,370						3,868						—
Other			106						421						—						41						204						—
Total consumer loans			11,977						12,507						—						9,390						10,051						—
Commercial and industrial			734						1,315						525						830						9,707						59
Construction			1,912						2,138						—						57						57						—
Agriculture production			645						673						—						—						656						—
Leases			—						—						—						—						—						—
Sub-total			50,686						60,840						4,807						29,889						44,037						59
Less: Guaranteed loans			(999)						(1,027)						—						(828)						(816)						—
Total, net			$	49,687					$	59,813					$	4,807					$	29,061					$	43,221					$	59

Amortized Cost Basis of Collateral Dependent Loans, By Class of Loan

The following tables present the amortized cost basis of collateral dependent loans by class of loans as of the following periods:

			As of September 30, 2025
(in thousands)			Retail						Office						Warehouse						Other						Multifamily						Farmland						SFR-1st Deed						SFR-2nd Deed						Automobile/Truck						A/R and Inventory						Equipment						Total
Commercial real estate:
CRE non-owner occupied			$	2,967					$	536					$	—					$	1,011					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	4,514
CRE owner occupied			4,664						—						—						1,740						—						—						—						—						—						—						—						6,404
Multifamily			—						—						—						—						446						—						—						—						—						—						—						446
Farmland			—						—						—						—						—						32,843						—						—						—						—						—						32,843
Total commercial real estate loans			7,631						536						—						2,751						446						32,843						—						—						—						—						—						44,207
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						6,302						—						—						—						—						6,302
SFR HELOCs and junior liens			—						—						—						—						—						—						1,927						3,642						—						—						—						5,569
Other			—						—						—						—						—						—						—						—						421						—						—						421
Total consumer loans			—						—						—						—						—						—						8,229						3,642						421						—						—						12,292
Commercial and industrial			—						—						—						—						—						—						—						—						—						501						814						1,315
Construction			—						—						—						1,414						—						—						724						—						—						—						—						2,138
Agriculture production			—						—						—						152						—						165						—						—						—						28						328						673
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	7,631					$	536					$	—					$	4,317					$	446					$	33,008					$	8,953					$	3,642					$	421					$	529					$	1,142					$	60,625

			As of December 31, 2024
(in thousands)			Retail						Office						Warehouse						Other						Multifamily						Farmland						SFR -1st Deed						SFR -2nd Deed						Automobile/Truck						A/R and Inventory						Equipment						Total
Commercial real estate:
CRE non-owner occupied			$	2,452					$	356					$	—					$	210					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	3,018
CRE owner occupied			—						260						142						3,472						—						—						—						—						—						—						—						3,874
Multifamily			—						—						—						—						480						—						—						—						—						—						—						480
Farmland			—						—						—						—						—						16,448						—						—						—						—						—						16,448
Total commercial real estate loans			2,452						616						142						3,682						480						16,448						—						—						—						—						—						23,820
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						5,979						—						—						—						—						5,979
SFR HELOCs and junior liens			—						—						—						—						—						—						1,291						2,079						—						—						—						3,370
Other			—						—						—						—						—						—						—						—						132						—						—						132
Total consumer loans			—						—						—						—						—						—						7,270						2,079						132						—						—						9,481
Commercial and industrial			—						—						—						8,334						—						—						—						54						—						530						788						9,706
Construction			—						—						—						—						—						—						57						—						—						—						—						57
Agriculture production			—						—						—						—						—						—						—						—						—						—						12						12
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	2,452					$	616					$	142					$	12,016					$	480					$	16,448					$	7,327					$	2,133					$	132					$	530					$	800					$	43,076

The following tables show the amortized cost basis of loans that were both experiencing financial difficulty and modified during the periods presented. 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 receivables is also presented below.

			For the three months ended
			September 30, 2025												September 30, 2024
(in thousands)			Combination - Term Extension/Rate Change												Total % of Loans Outstanding						Payment Delay/Term Extension												Total % of Loans Outstanding
SFR 1-4 1st DT liens			$	199											n/m						$	—											—
Commercial and industrial			—												—						326												n/m
Total			$	199											n/m						$	326											n/m

			For the nine months ended
			September 30, 2025												September 30, 2024
(in thousands)			Combination - Term Extension/Rate Change												Total % of Loans Outstanding						Payment Delay/Term Extension						Combination - Term Extension/Rate Change						Total % of Loans Outstanding
Commercial real estate:
CRE non-owner occupied			$	—											—		%				$	—					$	211					n/m
Multifamily			—												—						295						—						n/m
SFR 1-4 1st DT liens			199												n/m						—						—						—
SFR HELOCs and junior liens			—												—						41						—						n/m
Commercial and industrial			—												—						$	1,008					—						0.21		%
Total			$	199											n/m						$	1,344					$	211					0.02		%

The following tables presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2025 and September 30, 2024.

Three and nine months ended September 30, 2025

Modification Type

Loan Type

Financial Effect

Combination - term extension / rate change

SFR 1-4 1st DT liens

Added 36 months to the life of the loan; converted to fixed rate

Three months ended September 30, 2024

Modification Type

Loan Type

Financial Effect

Payment delay / term extension

Commercial and industrial

Added 60 months to the life of the loans

Nine months ended September 30, 2024

Modification Type

Loan Type

Financial Effect

Combination - term extension / rate change

CRE non-owner occupied

Added 120 months to the life of the loan; converted from variable to fixed interest rate

Payment delay / term extension

Multifamily

Added 12 months to the life of the loan

Payment delay / term extension

SFR HELOCs and junior liens

Added 60 months to the life of the loan

Payment delay / term extension

Commercial and industrial

Added a weighted average 53 months to the life of the loans

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