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Other Real Estate Owned (Tables)

6 Months Ended

Jun. 30, 2025

Other Real Estate Owned

Schedule of activity in the other real estate owned (OREO) portfolio, net of valuation reserve


		Three Months Ended						Six Months Ended
		June 30,						June 30,
Other real estate owned		2025			2024			2025			2024
Balance at beginning of period		$	2,878		$	5,123		$	21,617		$	5,123
Property additions, net of participation sold			4,989			3,388			4,989			3,388
Less:
Carrying value of property disposals, net of participation sold			1,224			1,591			19,509			1,591
Period valuation adjustments			157			-			611
Balance at end of period		$	6,486		$	6,920		$	6,486		$	6,920

Schedule of activity in valuation allowance


		Three Months Ended						Six Months Ended
		June 30,						June 30,
		2025			2024			2025			2024
Balance at beginning of period		$	853		$	118		$	1,862		$	118
Provision for valuation reserves			157			-			611			-
Reductions taken on sales			(448)			-			(1,911)			-
Balance at end of period		$	562		$	118		$	562		$	118

Schedule of expenses related to foreclosed assets, net of lease revenue


		Three Months Ended						Six Months Ended
		June 30,						June 30,
		2025			2024			2025			2024
(Gain) Loss on sales, net		$	(76)		$	(259)		$	160		$	(259)
Provision for valuation reserves			157			-			611			-
Operating expenses			(393)			239			1,520			352
Less:
Lease revenue			(347)			67			383			134
Net OREO expense		$	35		$	(87)		$	1,908		$	(41)