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Loans and Leases (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Summary of Major Loan and Lease Categories | Summary of Major Loan and Lease Categories
(Dollars in thousands) | At September 30, 2025 |  | At December 31, 2024
Commercial, financial and agricultural | $ | 996,612 |  |  | $ | 1,037,835 |
Real estate-commercial | 3,517,803 |  |  | 3,530,451 |
Real estate-construction | 309,365 |  |  | 274,483 |
Real estate-residential secured for business purpose | 545,191 |  |  | 536,095 |
Real estate-residential secured for personal purpose | 974,395 |  |  | 994,972 |
Real estate-home equity secured for personal purpose | 197,503 |  |  | 186,836 |
Loans to individuals | 13,447 |  |  | 21,250 |
Lease financings | 231,166 |  |  | 244,661 |
Total loans and leases held for investment, net of deferred income | $ | 6,785,482 |  |  | $ | 6,826,583 |
Less: Allowance for credit losses, loans and leases | (86,527) |  |  | (87,091) |
Net loans and leases held for investment | $ | 6,698,955 |  |  | $ | 6,739,492 |
Imputed interest on lease financings, included in the above table | $ | (30,323) |  |  | $ | (31,927) |
Net deferred costs, included in the above table | 6,540 |  |  | 6,992 |
Overdraft deposits included in the above table | 125 |  |  | 104 |
Schedule of Age Analysis of Past Due Loans and Leases | Age Analysis of Past Due Loans and Leases The following presents, by class of loans and leases held for investment, an aging of past due loans and leases, loans and leases which are current and nonaccrual loans and leases at September 30, 2025 and December 31, 2024:
| Accruing Loans and Leases |  |  |  |
(Dollars in thousands) | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or more Past Due |  | Total Past Due |  | Current |  | Total Accruing Loans and Leases |  | Nonaccrual Loans and Leases |  | Total Loans and Leases Held for Investment
At September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 1,219 |  |  | $ | 6,836 |  |  | $ | — |  |  | $ | 8,055 |  |  | $ | 982,922 |  |  | $ | 990,977 |  |  | $ | 5,635 |  |  | $ | 996,612 |
Real estate—commercial real estate and construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 3,089 |  |  | 559 |  |  | 194 |  |  | 3,842 |  |  | 3,498,050 |  |  | 3,501,892 |  |  | 15,911 |  |  | 3,517,803 |
Construction | 5,171 |  |  | 2,590 |  |  | — |  |  | 7,761 |  |  | 301,604 |  |  | 309,365 |  |  | — |  |  | 309,365 |
Real estate—residential and home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential secured for business purpose | 2,899 |  |  | 837 |  |  | 565 |  |  | 4,301 |  |  | 538,154 |  |  | 542,455 |  |  | 2,736 |  |  | 545,191 |
Residential secured for personal purpose | 4,485 |  |  | 1,861 |  |  | — |  |  | 6,346 |  |  | 967,393 |  |  | 973,739 |  |  | 656 |  |  | 974,395 |
Home equity secured for personal purpose | 928 |  |  | 115 |  |  | — |  |  | 1,043 |  |  | 194,755 |  |  | 195,798 |  |  | 1,705 |  |  | 197,503 |
Loans to individuals | 63 |  |  | 77 |  |  | 7 |  |  | 147 |  |  | 13,300 |  |  | 13,447 |  |  | — |  |  | 13,447 |
Lease financings | 1,431 |  |  | 565 |  |  | 63 |  |  | 2,059 |  |  | 228,420 |  |  | 230,479 |  |  | 687 |  |  | 231,166 |
Total | $ | 19,285 |  |  | $ | 13,440 |  |  | $ | 829 |  |  | $ | 33,554 |  |  | $ | 6,724,598 |  |  | $ | 6,758,152 |  |  | $ | 27,330 |  |  | $ | 6,785,482 |
| Accruing Loans and Leases |  |  |  |
(Dollars in thousands) | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or more Past Due |  | Total Past Due |  | Current |  | Total Accruing Loans and Leases |  | Nonaccrual Loans and Leases |  | Total Loans and Leases Held for Investment
At December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 1,750 |  |  | $ | 723 |  |  | $ | — |  |  | $ | 2,473 |  |  | $ | 1,031,567 |  |  | $ | 1,034,040 |  |  | $ | 3,795 |  |  | $ | 1,037,835 |
Real estate—commercial real estate and construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 415 |  |  | 2,919 |  |  | — |  |  | 3,334 |  |  | 3,524,438 |  |  | 3,527,772 |  |  | 2,679 |  |  | 3,530,451 |
Construction | 3,659 |  |  | — |  |  | — |  |  | 3,659 |  |  | 270,824 |  |  | 274,483 |  |  | — |  |  | 274,483 |
Real estate—residential and home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential secured for business purpose | 1,077 |  |  | — |  |  | — |  |  | 1,077 |  |  | 534,432 |  |  | 535,509 |  |  | 586 |  |  | 536,095 |
Residential secured for personal purpose | 3,040 |  |  | — |  |  | — |  |  | 3,040 |  |  | 988,127 |  |  | 991,167 |  |  | 3,805 |  |  | 994,972 |
Home equity secured for personal purpose | 1,063 |  |  | 309 |  |  | — |  |  | 1,372 |  |  | 184,273 |  |  | 185,645 |  |  | 1,191 |  |  | 186,836 |
Loans to individuals | 187 |  |  | 59 |  |  | 24 |  |  | 270 |  |  | 20,980 |  |  | 21,250 |  |  | — |  |  | 21,250 |
Lease financings | 1,026 |  |  | 502 |  |  | 297 |  |  | 1,825 |  |  | 242,225 |  |  | 244,050 |  |  | 611 |  |  | 244,661 |
Total | $ | 12,217 |  |  | $ | 4,512 |  |  | $ | 321 |  |  | $ | 17,050 |  |  | $ | 6,796,866 |  |  | $ | 6,813,916 |  |  | $ | 12,667 |  |  | $ | 6,826,583 |
Schedule of Nonperforming Loans and Leases | The following presents, by class of loans and leases, nonperforming loans and leases at September 30, 2025 and December 31, 2024.
| At September 30, 2025 |  | At December 31, 2024
(Dollars in thousands) | Nonaccrual Loans and Leases |  | Loans and Leases 90 Days or more Past Due and Accruing Interest |  | Total Nonperforming Loans and Leases |  | Nonaccrual Loans and Leases |  | Loans and Leases 90 Days or more Past Due and Accruing Interest |  | Total Nonperforming Loans and Leases
Commercial, financial and agricultural | $ | 5,635 |  |  | $ | — |  |  | $ | 5,635 |  |  | $ | 3,795 |  |  | $ | — |  |  | $ | 3,795 |
Real estate—commercial real estate and construction: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 15,911 |  |  | 194 |  |  | 16,105 |  |  | 2,679 |  |  | — |  |  | 2,679 |
Real estate—residential and home equity: |  |  |  |  |  |  |  |  |  |  |
Residential secured for business purpose | 2,736 |  |  | 565 |  |  | 3,301 |  |  | 586 |  |  | — |  |  | 586 |
Residential secured for personal purpose | 656 |  |  | — |  |  | 656 |  |  | 3,805 |  |  | — |  |  | 3,805 |
Home equity secured for personal purpose | 1,705 |  |  | — |  |  | 1,705 |  |  | 1,191 |  |  | — |  |  | 1,191 |
Loans to individuals | — |  |  | 7 |  |  | 7 |  |  | — |  |  | 24 |  |  | 24 |
Lease financings | 687 |  |  | 63 |  |  | 750 |  |  | 611 |  |  | 297 |  |  | 908 |
Total | $ | 27,330 |  |  | $ | 829 |  |  | $ | 28,159 |  |  | $ | 12,667 |  |  | $ | 321 |  |  | $ | 12,988 |
Nonaccrual Loan and Lease Data | The following table presents the amortized cost basis of loans and leases held for investment on nonaccrual status and loans and leases held for investment 90 days or more past due and still accruing as of September 30, 2025 and December 31, 2024.
(Dollars in thousands) | Nonaccrual With No Allowance for Credit Losses |  | Nonaccrual With Allowance for Credit Losses |  | Total Nonaccrual |  | Loans and Leases 90 Days or more Past Due and Accruing Interest
At September 30, 2025 |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 1,639 |  |  | $ | 3,996 |  |  | $ | 5,635 |  |  | $ | — |
Real estate-commercial | 15,551 |  |  | 360 |  |  | 15,911 |  |  | 194 |
Real estate-residential secured for business purpose | 1,072 |  |  | 1,664 |  |  | 2,736 |  |  | 565 |
Real estate-residential secured for personal purpose | 656 |  |  | — |  |  | 656 |  |  | — |
Real estate-home equity secured for personal purpose | 1,705 |  |  | — |  |  | 1,705 |  |  | — |
Loans to individuals | — |  |  | — |  |  | — |  |  | 7 |
Lease financings | — |  |  | 687 |  |  | 687 |  |  | 63 |
Total | $ | 20,623 |  |  | $ | 6,707 |  |  | $ | 27,330 |  |  | $ | 829 |
At December 31, 2024 |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 187 |  |  | $ | 3,608 |  |  | $ | 3,795 |  |  | $ | — |
Real estate-commercial | 1,834 |  |  | 845 |  |  | 2,679 |  |  | — |
Real estate-residential secured for business purpose | 586 |  |  | — |  |  | 586 |  |  | — |
Real estate-residential secured for personal purpose | 3,805 |  |  | — |  |  | 3,805 |  |  | — |
Real estate-home equity secured for personal purpose | 1,191 |  |  | — |  |  | 1,191 |  |  | — |
Loans to individuals | — |  |  | — |  |  | — |  |  | 24 |
Lease financings | — |  |  | 611 |  |  | 611 |  |  | 297 |
Total | $ | 7,603 |  |  | $ | 5,064 |  |  | $ | 12,667 |  |  | $ | 321 |
For the nine months ended September 30, 2025, $34 thousand of interest income was recognized on nonaccrual loans and leases. The following table presents, by class of loans and leases, the amortized cost basis of collateral-dependent nonaccrual loans and leases and type of collateral as of September 30, 2025 and December 31, 2024.
(Dollars in thousands) | Real Estate |  | Other (1) |  | None (2) |  | Total
At September 30, 2025 |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 3,397 |  |  | $ | 1,807 |  |  | $ | 431 |  |  | $ | 5,635 |
Real estate-commercial | 15,911 |  |  | — |  |  | — |  |  | 15,911 |
Real estate-residential secured for business purpose | 2,736 |  |  | — |  |  | — |  |  | 2,736 |
Real estate-residential secured for personal purpose | 656 |  |  | — |  |  | — |  |  | 656 |
Real estate-home equity secured for personal purpose | 1,705 |  |  | — |  |  | — |  |  | 1,705 |
Lease financings | — |  |  | 687 |  |  | — |  |  | 687 |
Total | $ | 24,405 |  |  | $ | 2,494 |  |  | $ | 431 |  |  | $ | 27,330 |
(Dollars in thousands) | Real Estate |  | Other (1) |  | None (2) |  | Total
At December 31, 2024 |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 1,521 |  |  | $ | 1,843 |  |  | $ | 431 |  |  | $ | 3,795 |
Real estate-commercial | 2,661 |  |  | — |  |  | 18 |  |  | 2,679 |
Real estate-residential secured for business purpose | 586 |  |  | — |  |  | — |  |  | 586 |
Real estate-residential secured for personal purpose | 3,805 |  |  | — |  |  | — |  |  | 3,805 |
Real estate-home equity secured for personal purpose | 1,191 |  |  | — |  |  | — |  |  | 1,191 |
Lease financings | — |  |  | 611 |  |  | — |  |  | 611 |
Total | $ | 9,764 |  |  | $ | 2,454 |  |  | $ | 449 |  |  | $ | 12,667 |
(1) Collateral consists of business assets, including accounts receivable, personal property and equipment. (2) Loans fully guaranteed or fully reserved given lack of collateral.
Summary of Commercial Credit Quality Indicators | Based on the most recent analysis performed, the following table presents the recorded investment in loans and leases held for investment for commercial, financial and agricultural loans, real estate-commercial loans, real estate-construction loans and real estate-residential secured for a business purpose loans by credit quality indicator at September 30, 2025 and December 31, 2024.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
(Dollars in thousands) | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
At September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Pass | $ | 139,982 |  |  | $ | 106,216 |  |  | $ | 55,414 |  |  | $ | 40,263 |  |  | $ | 69,284 |  |  | $ | 51,618 |  |  | $ | 430,577 |  |  | $ | 1,402 |  |  | $ | 894,756 |
2. Special Mention | 549 |  |  | — |  |  | 6,828 |  |  | 22,202 |  |  | — |  |  | — |  |  | 19,991 |  |  | — |  |  | 49,570 |
3. Substandard | 490 |  |  | 7,750 |  |  | 2,100 |  |  | 1,767 |  |  | 6,076 |  |  | 154 |  |  | 33,949 |  |  | — |  |  | 52,286 |
Total | $ | 141,021 |  |  | $ | 113,966 |  |  | $ | 64,342 |  |  | $ | 64,232 |  |  | $ | 75,360 |  |  | $ | 51,772 |  |  | $ | 484,517 |  |  | $ | 1,402 |  |  | $ | 996,612 |
Current period gross charge-offs | $ | 12 |  |  | $ | — |  |  | $ | 2,135 |  |  | $ | 7 |  |  | $ | 265 |  |  | $ | 585 |  |  | $ | 7,015 |  |  | $ | — |  |  | $ | 10,019 |
Real Estate-Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Pass | $ | 421,659 |  |  | $ | 428,634 |  |  | $ | 403,978 |  |  | $ | 860,465 |  |  | $ | 530,103 |  |  | $ | 725,775 |  |  | $ | 90,574 |  |  | $ | — |  |  | $ | 3,461,188 |
2. Special Mention | 7,373 |  |  | 9,165 |  |  | 406 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 16,944 |
3. Substandard | 454 |  |  | 1,020 |  |  | 187 |  |  | 6,032 |  |  | 11,471 |  |  | 18,783 |  |  | 1,724 |  |  | — |  |  | 39,671 |
Total | $ | 429,486 |  |  | $ | 438,819 |  |  | $ | 404,571 |  |  | $ | 866,497 |  |  | $ | 541,574 |  |  | $ | 744,558 |  |  | $ | 92,298 |  |  | $ | — |  |  | $ | 3,517,803 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 20 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 20 |
Real Estate-Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Pass | $ | 128,412 |  |  | $ | 71,377 |  |  | $ | 45,501 |  |  | $ | 38,010 |  |  | $ | 3,094 |  |  | $ | 2,784 |  |  | $ | 11,764 |  |  | $ | — |  |  | $ | 300,942 |
2. Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
3. Substandard | 296 |  |  | — |  |  | — |  |  | 4,875 |  |  | — |  |  | 662 |  |  | 2,590 |  |  | — |  |  | 8,423 |
Total | $ | 128,708 |  |  | $ | 71,377 |  |  | $ | 45,501 |  |  | $ | 42,885 |  |  | $ | 3,094 |  |  | $ | 3,446 |  |  | $ | 14,354 |  |  | $ | — |  |  | $ | 309,365 |
Real Estate-Residential Secured for Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Pass | $ | 81,367 |  |  | $ | 83,790 |  |  | $ | 84,811 |  |  | $ | 120,264 |  |  | $ | 97,278 |  |  | $ | 42,101 |  |  | $ | 31,104 |  |  | $ | — |  |  | $ | 540,715 |
2. Special Mention | — |  |  | — |  |  | 434 |  |  | — |  |  | — |  |  | — |  |  | 100 |  |  | — |  |  | 534 |
3. Substandard | — |  |  | — |  |  | 233 |  |  | 2,637 |  |  | 149 |  |  | 798 |  |  | 125 |  |  | — |  |  | 3,942 |
Total | $ | 81,367 |  |  | $ | 83,790 |  |  | $ | 85,478 |  |  | $ | 122,901 |  |  | $ | 97,427 |  |  | $ | 42,899 |  |  | $ | 31,329 |  |  | $ | — |  |  | $ | 545,191 |
Totals By Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Pass | $ | 771,420 |  |  | $ | 690,017 |  |  | $ | 589,704 |  |  | $ | 1,059,002 |  |  | $ | 699,759 |  |  | $ | 822,278 |  |  | $ | 564,019 |  |  | $ | 1,402 |  |  | $ | 5,197,601 |
2. Special Mention | 7,922 |  |  | 9,165 |  |  | 7,668 |  |  | 22,202 |  |  | — |  |  | — |  |  | 20,091 |  |  | — |  |  | 67,048 |
3. Substandard | 1,240 |  |  | 8,770 |  |  | 2,520 |  |  | 15,311 |  |  | 17,696 |  |  | 20,397 |  |  | 38,388 |  |  | — |  |  | 104,322 |
Total | $ | 780,582 |  |  | $ | 707,952 |  |  | $ | 599,892 |  |  | $ | 1,096,515 |  |  | $ | 717,455 |  |  | $ | 842,675 |  |  | $ | 622,498 |  |  | $ | 1,402 |  |  | $ | 5,368,971 |
Total current period gross charge-offs | $ | 12 |  |  | $ | — |  |  | $ | 2,135 |  |  | $ | 27 |  |  | $ | 265 |  |  | $ | 585 |  |  | $ | 7,015 |  |  | $ | — |  |  | $ | 10,039 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
(Dollars in thousands) | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
At December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Pass | $ | 232,925 |  |  | $ | 73,453 |  |  | $ | 68,205 |  |  | $ | 95,135 |  |  | $ | 16,403 |  |  | $ | 44,329 |  |  | $ | 411,413 |  |  | $ | 871 |  |  | $ | 942,734 |
2. Special Mention | 3,622 |  |  | 6,489 |  |  | 24,423 |  |  | 166 |  |  | 5 |  |  | — |  |  | 27,106 |  |  | — |  |  | 61,811 |
3. Substandard | — |  |  | 500 |  |  | 1,975 |  |  | 6,623 |  |  | — |  |  | 6,401 |  |  | 17,791 |  |  | — |  |  | 33,290 |
Total | $ | 236,547 |  |  | $ | 80,442 |  |  | $ | 94,603 |  |  | $ | 101,924 |  |  | $ | 16,408 |  |  | $ | 50,730 |  |  | $ | 456,310 |  |  | $ | 871 |  |  | $ | 1,037,835 |
Real Estate-Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Pass | $ | 506,644 |  |  | $ | 441,802 |  |  | $ | 882,071 |  |  | $ | 581,693 |  |  | $ | 538,539 |  |  | $ | 471,734 |  |  | $ | 81,145 |  |  | $ | — |  |  | $ | 3,503,628 |
2. Special Mention | 1,763 |  |  | — |  |  | 716 |  |  | — |  |  | 3,028 |  |  | 12,213 |  |  | — |  |  | — |  |  | 17,720 |
3. Substandard | — |  |  | — |  |  | 2,662 |  |  | 827 |  |  | 1,402 |  |  | 1,317 |  |  | 2,895 |  |  | — |  |  | 9,103 |
Total | $ | 508,407 |  |  | $ | 441,802 |  |  | $ | 885,449 |  |  | $ | 582,520 |  |  | $ | 542,969 |  |  | $ | 485,264 |  |  | $ | 84,040 |  |  | $ | — |  |  | $ | 3,530,451 |
Real Estate-Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Pass | $ | 109,627 |  |  | $ | 71,770 |  |  | $ | 58,072 |  |  | $ | 4,226 |  |  | $ | 1,700 |  |  | $ | 1,899 |  |  | $ | 19,636 |  |  | $ | — |  |  | $ | 266,930 |
2. Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
3. Substandard | 248 |  |  | — |  |  | 4,095 |  |  | — |  |  | 2,403 |  |  | — |  |  | 807 |  |  | — |  |  | 7,553 |
Total | $ | 109,875 |  |  | $ | 71,770 |  |  | $ | 62,167 |  |  | $ | 4,226 |  |  | $ | 4,103 |  |  | $ | 1,899 |  |  | $ | 20,443 |  |  | $ | — |  |  | $ | 274,483 |
Real Estate-Residential Secured for Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Pass | $ | 93,976 |  |  | $ | 95,743 |  |  | $ | 137,406 |  |  | $ | 104,156 |  |  | $ | 48,495 |  |  | $ | 21,937 |  |  | $ | 31,922 |  |  | $ | — |  |  | $ | 533,635 |
2. Special Mention | 547 |  |  | 239 |  |  | — |  |  | 683 |  |  | 405 |  |  | — |  |  | — |  |  | — |  |  | 1,874 |
3. Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 548 |  |  | 38 |  |  | — |  |  | — |  |  | 586 |
Total | $ | 94,523 |  |  | $ | 95,982 |  |  | $ | 137,406 |  |  | $ | 104,839 |  |  | $ | 49,448 |  |  | $ | 21,975 |  |  | $ | 31,922 |  |  | $ | — |  |  | $ | 536,095 |
Totals By Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Pass | $ | 943,172 |  |  | $ | 682,768 |  |  | $ | 1,145,754 |  |  | $ | 785,210 |  |  | $ | 605,137 |  |  | $ | 539,899 |  |  | $ | 544,116 |  |  | $ | 871 |  |  | $ | 5,246,927 |
2. Special Mention | 5,932 |  |  | 6,728 |  |  | 25,139 |  |  | 849 |  |  | 3,438 |  |  | 12,213 |  |  | 27,106 |  |  | — |  |  | 81,405 |
3. Substandard | 248 |  |  | 500 |  |  | 8,732 |  |  | 7,450 |  |  | 4,353 |  |  | 7,756 |  |  | 21,493 |  |  | — |  |  | 50,532 |
Total | $ | 949,352 |  |  | $ | 689,996 |  |  | $ | 1,179,625 |  |  | $ | 793,509 |  |  | $ | 612,928 |  |  | $ | 559,868 |  |  | $ | 592,715 |  |  | $ | 871 |  |  | $ | 5,378,864 |
Summary of Credit Exposure | Based on the most recent analysis performed, the following table presents the recorded investment in loans and leases held for investment for real estate-residential secured for personal purpose loans, real estate-home equity secured for personal purpose loans, loans to individuals and lease financings by credit quality indicator at September 30, 2025 and December 31, 2024.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
(Dollars in thousands) | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Amortized Cost Basis |  |  |  | Total
At September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate-Residential Secured for Personal Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Performing | $ | 22,029 |  |  | $ | 32,395 |  |  | $ | 196,488 |  |  | $ | 343,134 |  |  | $ | 185,917 |  |  | $ | 193,776 |  |  | $ | — |  |  |  |  | $ | 973,739 |
2. Nonperforming | — |  |  | — |  |  | — |  |  | 136 |  |  | — |  |  | 520 |  |  | — |  |  |  |  | 656 |
Total | $ | 22,029 |  |  | $ | 32,395 |  |  | $ | 196,488 |  |  | $ | 343,270 |  |  | $ | 185,917 |  |  | $ | 194,296 |  |  | $ | — |  |  |  |  | $ | 974,395 |
Real Estate-Home Equity Secured for Personal Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Performing | $ | 355 |  |  | $ | 236 |  |  | $ | 309 |  |  | $ | 1,897 |  |  | $ | 333 |  |  | $ | 1,296 |  |  | $ | 191,372 |  |  |  |  | $ | 195,798 |
2. Nonperforming | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,705 |  |  |  |  | 1,705 |
Total | $ | 355 |  |  | $ | 236 |  |  | $ | 309 |  |  | $ | 1,897 |  |  | $ | 333 |  |  | $ | 1,296 |  |  | $ | 193,077 |  |  |  |  | $ | 197,503 |
Loans to Individuals |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Performing | $ | 1,479 |  |  | $ | 1,453 |  |  | $ | 571 |  |  | $ | 213 |  |  | $ | 37 |  |  | $ | 558 |  |  | $ | 9,129 |  |  |  |  | $ | 13,440 |
2. Nonperforming | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | — |  |  |  |  | 7 |
Total | $ | 1,479 |  |  | $ | 1,453 |  |  | $ | 571 |  |  | $ | 213 |  |  | $ | 37 |  |  | $ | 565 |  |  | $ | 9,129 |  |  |  |  | $ | 13,447 |
Current period gross charge-offs | $ | 117 |  |  | $ | 113 |  |  | $ | 54 |  |  | $ | 12 |  |  | $ | — |  |  | $ | — |  |  | $ | 288 |  |  |  |  | $ | 584 |
Lease Financings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Performing | $ | 55,264 |  |  | $ | 68,155 |  |  | $ | 62,378 |  |  | $ | 30,601 |  |  | $ | 11,364 |  |  | $ | 2,654 |  |  | $ | — |  |  |  |  | $ | 230,416 |
2. Nonperforming | 16 |  |  | 167 |  |  | 306 |  |  | 199 |  |  | 48 |  |  | 14 |  |  | — |  |  |  |  | 750 |
Total | $ | 55,280 |  |  | $ | 68,322 |  |  | $ | 62,684 |  |  | $ | 30,800 |  |  | $ | 11,412 |  |  | $ | 2,668 |  |  | $ | — |  |  |  |  | $ | 231,166 |
Current period gross charge-offs | $ | — |  |  | $ | 28 |  |  | $ | 175 |  |  | $ | 164 |  |  | $ | 101 |  |  | $ | 90 |  |  | $ | 16 |  |  |  |  | $ | 574 |
Totals by Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Performing | $ | 79,127 |  |  | $ | 102,239 |  |  | $ | 259,746 |  |  | $ | 375,845 |  |  | $ | 197,651 |  |  | $ | 198,284 |  |  | $ | 200,501 |  |  |  |  | $ | 1,413,393 |
2. Nonperforming | 16 |  |  | 167 |  |  | 306 |  |  | 335 |  |  | 48 |  |  | 541 |  |  | 1,705 |  |  |  |  | 3,118 |
Total | $ | 79,143 |  |  | $ | 102,406 |  |  | $ | 260,052 |  |  | $ | 376,180 |  |  | $ | 197,699 |  |  | $ | 198,825 |  |  | $ | 202,206 |  |  |  |  | $ | 1,416,511 |
Total current period gross charge-offs | $ | 117 |  |  | $ | 141 |  |  | $ | 229 |  |  | $ | 176 |  |  | $ | 101 |  |  | $ | 132 |  |  | $ | 304 |  |  |  |  | $ | 1,200 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
(Dollars in thousands) | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  |  |  | Total
At December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate-Residential Secured for Personal Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Performing | $ | 25,908 |  |  | $ | 203,136 |  |  | $ | 356,506 |  |  | $ | 195,727 |  |  | $ | 121,743 |  |  | $ | 88,147 |  |  | $ | — |  |  |  |  | $ | 991,167 |
2. Nonperforming | — |  |  | — |  |  | 142 |  |  | 37 |  |  | 2,836 |  |  | 790 |  |  | — |  |  |  |  | 3,805 |
Total | $ | 25,908 |  |  | $ | 203,136 |  |  | $ | 356,648 |  |  | $ | 195,764 |  |  | $ | 124,579 |  |  | $ | 88,937 |  |  | $ | — |  |  |  |  | $ | 994,972 |
Real Estate-Home Equity Secured for Personal Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Performing | $ | 354 |  |  | $ | 352 |  |  | $ | 2,260 |  |  | $ | 402 |  |  | $ | 326 |  |  | $ | 1,201 |  |  | $ | 180,750 |  |  |  |  | $ | 185,645 |
2. Nonperforming | — |  |  | — |  |  | 21 |  |  | — |  |  | — |  |  | — |  |  | 1,170 |  |  |  |  | 1,191 |
Total | $ | 354 |  |  | $ | 352 |  |  | $ | 2,281 |  |  | $ | 402 |  |  | $ | 326 |  |  | $ | 1,201 |  |  | $ | 181,920 |  |  |  |  | $ | 186,836 |
Loans to Individuals |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Performing | $ | 2,008 |  |  | $ | 963 |  |  | $ | 459 |  |  | $ | 300 |  |  | $ | 19 |  |  | $ | 610 |  |  | $ | 16,867 |  |  |  |  | $ | 21,226 |
2. Nonperforming | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 24 |  |  | — |  |  |  |  | 24 |
Total | $ | 2,008 |  |  | $ | 963 |  |  | $ | 459 |  |  | $ | 300 |  |  | $ | 19 |  |  | $ | 634 |  |  | $ | 16,867 |  |  |  |  | $ | 21,250 |
Lease Financings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Performing | $ | 83,360 |  |  | $ | 82,634 |  |  | $ | 46,986 |  |  | $ | 23,088 |  |  | $ | 5,989 |  |  | $ | 1,696 |  |  | $ | — |  |  |  |  | $ | 243,753 |
2. Nonperforming | 197 |  |  | 168 |  |  | 473 |  |  | 32 |  |  | 25 |  |  | 13 |  |  | — |  |  |  |  | 908 |
Total | $ | 83,557 |  |  | $ | 82,802 |  |  | $ | 47,459 |  |  | $ | 23,120 |  |  | $ | 6,014 |  |  | $ | 1,709 |  |  | $ | — |  |  |  |  | $ | 244,661 |
Totals by Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1. Performing | $ | 111,630 |  |  | $ | 287,085 |  |  | $ | 406,211 |  |  | $ | 219,517 |  |  | $ | 128,077 |  |  | $ | 91,654 |  |  | $ | 197,617 |  |  |  |  | $ | 1,441,791 |
2. Nonperforming | 197 |  |  | 168 |  |  | 636 |  |  | 69 |  |  | 2,861 |  |  | 827 |  |  | 1,170 |  |  |  |  | 5,928 |
Total | $ | 111,827 |  |  | $ | 287,253 |  |  | $ | 406,847 |  |  | $ | 219,586 |  |  | $ | 130,938 |  |  | $ | 92,481 |  |  | $ | 198,787 |  |  |  |  | $ | 1,447,719 |
Summary of Activity in the Allowance for Credit Losses, Loans and Leases | The following presents, by portfolio segment, a summary of the activity in the allowance for credit losses, loans and leases, for the three and nine months ended September 30, 2025 and 2024. There were no changes to the reasonable and supportable forecast period and the reversion period, or any other significant methodology changes during the nine months ended September 30, 2025.
(Dollars in thousands) | Beginning balance |  | Provision (reversal of provision) for credit losses |  |  |  | Charge-offs |  | Recoveries |  | Ending balance
Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |
Allowance for credit losses, loans and leases: |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 16,979 |  |  | $ | (331) |  |  |  |  | $ | (625) |  |  | $ | 525 |  |  | $ | 16,548 |
Real estate-commercial | 46,338 |  |  | (506) |  |  |  |  | — |  |  | 24 |  |  | 45,856 |
Real estate-construction | 5,253 |  |  | 133 |  |  |  |  | — |  |  | — |  |  | 5,386 |
Real estate-residential secured for business purpose | 7,468 |  |  | 104 |  |  |  |  | — |  |  | — |  |  | 7,572 |
Real estate-residential secured for personal purpose | 6,451 |  |  | 21 |  |  |  |  | (42) |  |  | — |  |  | 6,430 |
Real estate-home equity secured for personal purpose | 1,609 |  |  | 6 |  |  |  |  | — |  |  | 1 |  |  | 1,616 |
Loans to individuals | 344 |  |  | 217 |  |  |  |  | (231) |  |  | 18 |  |  | 348 |
Lease financings | 2,547 |  |  | 374 |  |  |  |  | (152) |  |  | 2 |  |  | 2,771 |
Total | $ | 86,989 |  |  | $ | 18 |  |  |  |  | $ | (1,050) |  |  | $ | 570 |  |  | $ | 86,527 |
Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |
Allowance for credit losses, loans and leases: |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 14,545 |  |  | $ | 544 |  |  |  |  | $ | (508) |  |  | $ | 108 |  |  | $ | 14,689 |
Real estate-commercial | 45,978 |  |  | 688 |  |  |  |  | (35) |  |  | 3 |  |  | 46,634 |
Real estate-construction | 6,153 |  |  | (611) |  |  |  |  | — |  |  | — |  |  | 5,542 |
Real estate-residential secured for business purpose | 7,739 |  |  | (89) |  |  |  |  | — |  |  | — |  |  | 7,650 |
Real estate-residential secured for personal purpose | 6,606 |  |  | 287 |  |  |  |  | — |  |  | — |  |  | 6,893 |
Real estate-home equity secured for personal purpose | 1,688 |  |  | 7 |  |  |  |  | — |  |  | — |  |  | 1,695 |
Loans to individuals | 348 |  |  | 304 |  |  |  |  | (324) |  |  | 12 |  |  | 340 |
Lease financings | 2,688 |  |  | (14) |  |  |  |  | (83) |  |  | 7 |  |  | 2,598 |
Total | $ | 85,745 |  |  | $ | 1,116 |  |  |  |  | $ | (950) |  |  | $ | 130 |  |  | $ | 86,041 |
(Dollars in thousands) | Beginning balance |  | Provision (reversal of provision) for credit losses |  |  |  | Charge-offs |  | Recoveries |  | Ending balance
Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses, loans and leases: |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 16,079 |  |  | $ | 9,321 |  |  |  |  | $ | (10,019) |  |  | $ | 1,167 |  |  | $ | 16,548 |
Real estate-commercial | 46,867 |  |  | (1,022) |  |  |  |  | (20) |  |  | 31 |  |  | 45,856 |
Real estate-construction | 4,924 |  |  | 462 |  |  |  |  | — |  |  | — |  |  | 5,386 |
Real estate-residential secured for business purpose | 7,491 |  |  | 81 |  |  |  |  | — |  |  | — |  |  | 7,572 |
Real estate-residential secured for personal purpose | 7,222 |  |  | (757) |  |  |  |  | (42) |  |  | 7 |  |  | 6,430 |
Real estate-home equity secured for personal purpose | 1,706 |  |  | (91) |  |  |  |  | — |  |  | 1 |  |  | 1,616 |
Loans to individuals | 342 |  |  | 550 |  |  |  |  | (584) |  |  | 40 |  |  | 348 |
Lease financings | 2,460 |  |  | 865 |  |  |  |  | (574) |  |  | 20 |  |  | 2,771 |
Total | $ | 87,091 |  |  | $ | 9,409 |  |  |  |  | $ | (11,239) |  |  | $ | 1,266 |  |  | $ | 86,527 |
Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses, loans and leases: |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 13,699 |  |  | $ | 2,807 |  |  |  |  | $ | (2,021) |  |  | $ | 204 |  |  | $ | 14,689 |
Real estate-commercial | 45,849 |  |  | 810 |  |  |  |  | (35) |  |  | 10 |  |  | 46,634 |
Real estate-construction | 6,543 |  |  | (501) |  |  |  |  | (500) |  |  | — |  |  | 5,542 |
Real estate-residential secured for business purpose | 8,692 |  |  | (1,277) |  |  |  |  | — |  |  | 235 |  |  | 7,650 |
Real estate-residential secured for personal purpose | 6,349 |  |  | 410 |  |  |  |  | — |  |  | 134 |  |  | 6,893 |
Real estate-home equity secured for personal purpose | 1,289 |  |  | 406 |  |  |  |  | — |  |  | — |  |  | 1,695 |
Loans to individuals | 392 |  |  | 609 |  |  |  |  | (730) |  |  | 69 |  |  | 340 |
Lease financings | 2,574 |  |  | 425 |  |  |  |  | (435) |  |  | 34 |  |  | 2,598 |
Total | $ | 85,387 |  |  | $ | 3,689 |  |  |  |  | $ | (3,721) |  |  | $ | 686 |  |  | $ | 86,041 |
Schedule of Allowance for Loan and Lease Credit Losses and Recorded Investment in Loans and Leases | The following presents, by portfolio segment, the balance in the allowance for credit losses on loans and leases disaggregated on the basis of whether the loan or lease was measured for credit loss as a pooled loan or lease or if it was individually analyzed for a reserve at September 30, 2025 and 2024:
| Allowance for credit losses, loans and leases |  | Loans and leases held for investment
(Dollars in thousands) | Ending balance: individually analyzed |  | Ending balance: pooled |  | Total ending balance |  | Ending balance: individually analyzed |  | Ending balance: pooled |  |  |  | Total ending balance
At September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 2,389 |  |  | $ | 14,159 |  |  | $ | 16,548 |  |  | $ | 5,635 |  |  | $ | 990,977 |  |  |  |  | $ | 996,612 |
Real estate-commercial | 154 |  |  | 45,702 |  |  | 45,856 |  |  | 15,911 |  |  | 3,501,892 |  |  |  |  | 3,517,803 |
Real estate-construction | — |  |  | 5,386 |  |  | 5,386 |  |  | — |  |  | 309,365 |  |  |  |  | 309,365 |
Real estate-residential secured for business purpose | 197 |  |  | 7,375 |  |  | 7,572 |  |  | 2,736 |  |  | 542,455 |  |  |  |  | 545,191 |
Real estate-residential secured for personal purpose | — |  |  | 6,430 |  |  | 6,430 |  |  | 656 |  |  | 973,739 |  |  |  |  | 974,395 |
Real estate-home equity secured for personal purpose | — |  |  | 1,616 |  |  | 1,616 |  |  | 1,705 |  |  | 195,798 |  |  |  |  | 197,503 |
Loans to individuals | — |  |  | 348 |  |  | 348 |  |  | — |  |  | 13,447 |  |  |  |  | 13,447 |
Lease financings | 368 |  |  | 2,403 |  |  | 2,771 |  |  | 368 |  |  | 230,798 |  |  |  |  | 231,166 |
Total | $ | 3,108 |  |  | $ | 83,419 |  |  | $ | 86,527 |  |  | $ | 27,011 |  |  | $ | 6,758,471 |  |  |  |  | $ | 6,785,482 |
At September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 1,010 |  |  | $ | 13,679 |  |  | $ | 14,689 |  |  | $ | 2,703 |  |  | $ | 1,041,340 |  |  |  |  | $ | 1,044,043 |
Real estate-commercial | 23 |  |  | 46,611 |  |  | 46,634 |  |  | 3,680 |  |  | 3,438,403 |  |  |  |  | 3,442,083 |
Real estate-construction | — |  |  | 5,542 |  |  | 5,542 |  |  | 2,799 |  |  | 282,817 |  |  |  |  | 285,616 |
Real estate-residential secured for business purpose | — |  |  | 7,650 |  |  | 7,650 |  |  | 630 |  |  | 530,044 |  |  |  |  | 530,674 |
Real estate-residential secured for personal purpose | — |  |  | 6,893 |  |  | 6,893 |  |  | 3,985 |  |  | 965,577 |  |  |  |  | 969,562 |
Real estate-home equity secured for personal purpose | — |  |  | 1,695 |  |  | 1,695 |  |  | 1,003 |  |  | 181,898 |  |  |  |  | 182,901 |
Loans to individuals | — |  |  | 340 |  |  | 340 |  |  | 15 |  |  | 26,779 |  |  |  |  | 26,794 |
Lease financings | — |  |  | 2,598 |  |  | 2,598 |  |  | — |  |  | 249,061 |  |  |  |  | 249,061 |
Total | $ | 1,033 |  |  | $ | 85,008 |  |  | $ | 86,041 |  |  | $ | 14,815 |  |  | $ | 6,715,919 |  |  |  |  | $ | 6,730,734 |
Schedule of Accruing and Nonaccruing Modified Loans to Borrowers Experiencing Financial Difficulty | The following presents, by class of loans, information regarding accruing and nonaccrual modified loans to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2025 and 2024.
| Term Extension
| Three Months Ended September 30, 2025 |  | Three Months Ended September 30, 2024
(Dollars in thousands) | Number of Loans |  | Amortized Cost Basis* |  | % of Total Class of Financing Receivable |  | Related Reserve |  | Number of Loans |  | Amortized Cost Basis* |  | % of Total Class of Financing Receivable |  | Related Reserve
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | 2 |  |  | $ | 1,380 |  |  | 0.14 | % |  | $ | 12 |  |  | — |  |  | $ | — |  |  | — | % |  | $ | — |
Real estate—construction | 2 |  |  | 5,171 |  |  | 1.67 |  |  | 11 |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 4 |  |  | $ | 6,551 |  |  |  |  | $ | 23 |  |  | — |  |  | $ | — |  |  |  |  | $ | — |
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | 1 |  |  | $ | 1,485 |  |  | 0.15 | % |  | $ | — |  |  | — |  |  | $ | — |  |  | — | % |  | $ | — |
Real estate—commercial | 2 |  |  | 12,368 |  |  | 0.35 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 3 |  |  | $ | 13,853 |  |  |  |  | $ | — |  |  | — |  |  | $ | — |  |  |  |  | $ | — |
*Amortized cost excludes $1 thousand and $0 thousand of accrued interest receivable on modified loans for the three months ended September 30, 2025 and September 30, 2024, respectively.
| Term Extension
| Nine Months Ended September 30, 2025 |  | Nine Months Ended September 30, 2024
(Dollars in thousands) | Number of Loans |  | Amortized Cost Basis* |  | % of Total Class of Financing Receivable |  | Related Reserve |  | Number of Loans |  | Amortized Cost Basis* |  | % of Total Class of Financing Receivable |  | Related Reserve
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | 6 |  |  | $ | 11,291 |  |  | 1.13 | % |  | $ | 39 |  |  | 1 |  |  | $ | 4,925 |  |  | 0.47 | % |  | $ | 23 |
Real estate—commercial | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 3,212 |  |  | 0.09 |  |  | 1 |
Real estate—construction | 2 |  |  | 5,171 |  |  | 1.67 |  |  | 11 |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 8 |  |  | $ | 16,462 |  |  |  |  | $ | 50 |  |  | 3 |  |  | $ | 8,137 |  |  |  |  | $ | 24 |
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | 1 |  |  | $ | 1,485 |  |  | 0.15 | % |  | $ | — |  |  | — |  |  | $ | — |  |  | — | % |  | $ | — |
Real estate—commercial | 2 |  |  | 12,368 |  |  | 0.35 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate—construction | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 2,799 |  |  | 0.98 |  |  | — |
Total | 3 |  |  | $ | 13,853 |  |  |  |  | $ | — |  |  | 2 |  |  | $ | 2,799 |  |  |  |  | $ | — |
| Other-Than-Insignificant Payment Delay
| Nine Months Ended September 30, 2025 |  | Nine Months Ended September 30, 2024
(Dollars in thousands) | Number of Loans |  | Amortized Cost Basis* |  | % of Total Class of Financing Receivable |  | Related Reserve |  | Number of Loans |  | Amortized Cost Basis* |  | % of Total Class of Financing Receivable |  | Related Reserve
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | — |  |  | $ | — |  |  | — | % |  | $ | — |  |  | 2 |  |  | $ | 7,167 |  |  | 0.69 | % |  | $ | 32 |
Total | — |  |  | $ | — |  |  |  |  | $ | — |  |  | 2 |  |  | $ | 7,167 |  |  |  |  | $ | 32 |
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total | — |  |  | $ | — |  |  |  |  | $ | — |  |  | — |  |  | $ | — |  |  |  |  | $ | — |
*Amortized cost excludes $53 thousand and $91 thousand of accrued interest receivable on modified loans for the nine months ended September 30, 2025 and September 30, 2024, respectively.
Schedule of Financial Effect on Accruing and Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty | The following presents, by class of loans, information regarding the financial effect on accruing and nonaccrual modified loans to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2025 and 2024.
| Term Extension |  | Other-Than-Insignificant Payment Delay |  |  |  |
(Dollars in thousands) | No. of Loans |  | Financial Effect |  | No. of Loans |  | Financial Effect |  |  |  |  |  |  |  |
Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | 2 |  |  | Added a weighted-average 12 months to the life of the loans, which reduced monthly payment amounts for the borrowers. |  | — |  |  |  |  |  |  |  |  |  |  |
Real estate—construction | 2 |  |  | Added a weighted-average 4 months to the life of the loans, which reduced monthly payment amounts for the borrowers. |  | — |  |  |  |  |  |  |  |  |  |  |
Total | 4 |  |  |  |  | — |  |  |  |  |  |  |  |  |  |  |
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | 1 |  |  | Added 5 months to the life of the loan, which reduced monthly payment amounts for the borrower. |  | — |  |  |  |  |  |  |  |  |  |  |
Real estate—commercial | 2 |  |  | Added a weighted-average 5 months to the life of the loans, which reduced monthly payment amounts for the borrowers. |  | — |  |  |  |  |  |  |  |  |  |  |
Total | 3 |  |  |  |  | — |  |  |  |  |  |  |  |  |  |  |
Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total | — |  |  |  |  | — |  |  |  |  |  |  |  |  |  |  |
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total | — |  |  |  |  | — |  |  |  |  |  |  |  |  |  |  |
Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | 6 |  |  | Added a weighted-average 10 months to the life of the loans, which reduced monthly payment amount for the borrowers. |  | — |  |  |  |  |  |  |  |  |  |  |
Real estate—construction | 2 |  |  | Added a weighted-average 9 months to the life of the loans, which reduced monthly payment amounts for the borrowers. |  | — |  |  |  |  |  |  |  |  |  |  |
Total | 8 |  |  |  |  | — |  |  |  |  |  |  |  |  |  |  |
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | 1 |  |  | Added 5 months to the life of the loan, which reduced monthly payment amounts for the borrower. |  | — |  |  |  |  |  |  |  |  |  |  |
Real estate—commercial | 2 |  |  | Added a weighted-average 5 months to the life of the loans, which reduced monthly payment amounts for the borrowers. |  | — |  |  |  |  |  |  |  |  |  |  |
Total | 3 |  |  |  |  | — |  |  |  |  |  |  |  |  |  |  |
Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | 1 |  |  | Added 10 months to the life of the loan, which reduced monthly payment amount for the borrower. |  | 2 |  |  | Provided 3 months of payment deferrals to assist borrowers. |  |  |  |  |  |  |  |
Real estate—commercial | 2 |  |  | Added a weighted-average 8 months to the life of the loans, which reduced monthly payment amounts for the borrowers. |  | — |  |  |  |  |  |  |  |  |  |  |
Total | 3 |  |  |  |  | 2 |  |  |  |  |  |  |  |  |  |  |
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate—construction | 2 |  |  | Added a weighted-average 8 months to the life of the loans, which reduced monthly payment amounts for the borrowers. |  |  |  |  |  |  |  |  |  |  |  |
Total | 2 |  |  |  |  | — |  |  |  |  |  |  |  |  |  |  |
Schedule of Accruing and Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty With Subsequent Payment Defaults | The following presents, by class of loans, the amortized cost of accruing and nonaccrual modified loans to borrowers experiencing financial difficulty that had a payment default subsequent to modification during the three and nine months ended September 30, 2025 and 2024 and were modified in the 12 months prior to that default.
| Three Months Ended September 30,
| 2025 |  | 2024
| Term Extension |  |  |  | Term Extension |  |
(Dollars in thousands) | Number of Loans |  | Amortized Cost Basis |  |  |  |  |  | Number of Loans |  | Amortized Cost Basis |  |  |  |
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate—commercial | — |  |  | $ | — |  |  |  |  |  |  | 1 |  |  | $ | 1,900 |  |  |  |  |
Total | — |  |  | $ | — |  |  |  |  |  |  | 1 |  |  | $ | 1,900 |  |  |  |  |
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate—commercial | 1 |  |  | $ | 10,644 |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |
Total | 1 |  |  | $ | 10,644 |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |
| Nine Months Ended September 30,
| 2025 |  | 2024
| Term Extension |  |  |  | Term Extension |  |
(Dollars in thousands) | Number of Loans |  | Amortized Cost Basis |  |  |  |  |  | Number of Loans |  | Amortized Cost Basis |  |  |  |
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate—commercial | — |  |  | $ | — |  |  |  |  |  |  | 1 |  |  | $ | 1,900 |  |  |  |  |
Total | — |  |  | $ | — |  |  |  |  |  |  | 1 |  |  | $ | 1,900 |  |  |  |  |
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate—commercial | 1 |  |  | $ | 10,644 |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |
Total | 1 |  |  | $ | 10,644 |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |
Schedule of Aging Analysis of Accruing and Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty | The following presents, by class of loans, the amortized cost and performance status of accruing and nonaccrual modified loans to borrowers experiencing financial difficulty that have been modified in the last 12 months as of September 30, 2025 and 2024.
| At September 30, 2025
(Dollars in thousands) | Current |  | 30-89 Days Past Due |  | 90 Days or More Past Due |  | Total
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 11,291 |  |  | $ | — |  |  | $ | — |  |  | $ | 11,291 |
Real estate—construction | 5,171 |  |  | — |  |  | — |  |  | 5,171 |
Total | $ | 16,462 |  |  | $ | — |  |  | $ | — |  |  | $ | 16,462 |
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 1,485 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,485 |
Real estate—commercial | 1,724 |  |  | 10,644 |  |  | — |  |  | 12,368 |
Total | $ | 3,209 |  |  | $ | 10,644 |  |  | $ | — |  |  | $ | 13,853 |
| At September 30, 2024
(Dollars in thousands) | Current |  | 30-89 Days Past Due |  | 90 Days or More Past Due |  | Total
Accruing Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 12,092 |  |  | $ | — |  |  | $ | — |  |  | $ | 12,092 |
Real estate—commercial | 6,158 |  |  | 1,900 |  |  | — |  |  | 8,058 |
Total | $ | 18,250 |  |  | $ | 1,900 |  |  | $ | — |  |  | $ | 20,150 |
Nonaccrual Modified Loans to Borrowers Experiencing Financial Difficulty: |  |  |  |  |  |  |
Real estate—construction | $ | 2,799 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,799 |
Total | $ | 2,799 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,799 |
Schedule of Mortgages in Process of Foreclosure | The following presents the amount of consumer mortgages collateralized by residential real estate property that were in the process of foreclosure at September 30, 2025 or December 31, 2024.
(Dollars in thousands) | At September 30, 2025 |  | At December 31, 2024
Real estate-residential secured for personal purpose | $ | — |  |  | $ | 3,095 |
Real estate-home equity secured for personal purpose | 188 |  |  | 125 |
Total | $ | 188 |  |  | $ | 3,220 |
The following presents foreclosed residential real estate property included in other real estate owned at September 30, 2025 or December 31, 2024.
(Dollars in thousands) | At September 30, 2025 |  | At December 31, 2024
Foreclosed residential real estate | $ | 3,981 |  |  | $ | 234 |
Schedule of Lease Payments Receivables | The following presents the schedule of minimum lease payments receivable:
(Dollars in thousands) | At September 30, 2025 |  | At December 31, 2024
2025 (excluding the nine months ended September 30, 2025) | $ | 24,672 |  |  | $ | 91,125 |
2026 | 88,620 |  |  | 76,977 |
2027 | 68,425 |  |  | 56,881 |
2028 | 44,127 |  |  | 32,899 |
2029 | 22,965 |  |  | 12,101 |
Thereafter | 8,317 |  |  | 1,964 |
Total future minimum lease payments receivable | 257,126 |  |  | 271,947 |
Plus: Unguaranteed residual | 1,442 |  |  | 1,485 |
Plus: Initial direct costs | 2,921 |  |  | 3,156 |
Less: Imputed interest | (30,323) |  |  | (31,927) |
Lease financings | $ | 231,166 |  |  | $ | 244,661 |

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