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Other Real Estate Owned (Tables)

9 Months Ended

Sep. 30, 2025

Other Real Estate Owned

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


		Three Months Ended						Nine Months Ended
		September 30,						September 30,
Other real estate owned		2025			2024			2025			2024
Balance at beginning of period		$	6,486		$	6,920		$	21,617		$	5,123
Property additions, net of participation sold			-			1,282			4,989			4,670
Less:
Carrying value of property disposals, net of participation sold			-			-			19,509			1,591
Period valuation adjustments			70			-			681			-
Balance at end of period		$	6,416		$	8,202		$	6,416		$	8,202

Schedule of activity in valuation allowance


		Three Months Ended						Nine Months Ended
		September 30,						September 30,
		2025			2024			2025			2024
Balance at beginning of period		$	562		$	118		$	1,862		$	118
Provision for valuation reserves			70			-			681			-
Reductions taken on sales			-			-			(1,911)			-
Balance at end of period		$	632		$	118		$	632		$	118

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


		Three Months Ended						Nine Months Ended
		September 30,						September 30,
		2025			2024			2025			2024
Loss (Gain) on sales, net		$	-		$	-		$	160		$	(259)
Provision for valuation reserves			70			-			681			-
Operating expenses			201			321			1,721			673
Less:
Lease revenue			143			79			526			213
Net OREO expense		$	128		$	242		$	2,036		$	201