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Loans and Leases

9 Months Ended

Sep. 30, 2025

Receivables [Abstract]

Loans and Leases

Loans and Leases

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

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

During the second quarter of 2025, a $23.7 million commercial loan relationship was placed on nonaccrual status due to, among other things, suspected fraud. Subsequent to the relationship being placed on nonaccrual status, a $7.3 million charge-off was recognized during the second quarter. During the third quarter of 2025, a $1.4 million residential property associated with this relationship was transferred to other real estate owned. At September 30, 2025, the carrying values of the $13.9 million of loans and the $1.4 million other real estate owned asset comprising this relationship are supported by the appraised value of real estate collateral.

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

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.

Credit Quality Indicators

The Corporation categorizes risk based on relevant information about the ability of the borrower to service their debt. Loans with a relationship balance of less than $1 million are reviewed when necessary based on their performance, primarily when such loans are delinquent. Commercial, financial and agricultural loans, real estate-commercial loans, real estate-construction loans and real estate-residential secured for a business purpose loans with relationships greater than $1 million are reviewed at least annually. Loan relationships with a higher risk profile or classified as special mention or substandard are reviewed at least quarterly. The Corporation reviews credit quality key risk indicators on at least an annual basis and last completed this review in conjunction with the period ended December 31, 2024. The following is a description of the internal risk ratings and the likelihood of loss related to the credit quality of commercial, financial and agricultural loans, real estate-commercial loans, real estate-construction loans and real estate-residential secured for a business purpose loans.

1.Pass—Loans considered satisfactory with no indications of deterioration

2.Special Mention—Potential weakness that deserves management's close attention

3.Substandard—Well-defined weakness or weaknesses that jeopardize the liquidation of the debt

4.Doubtful—Collection or liquidation in-full, on the basis of current existing facts, conditions and values, highly questionable and improbable

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

The Corporation had no loans with a risk rating of Doubtful included within recorded investment in loans and leases held for investment at September 30, 2025 or December 31, 2024.

The Corporation monitors the credit risk profile by payment activity for the following classifications of loans and leases: real estate-residential secured for personal purpose loans, real estate-home equity secured for personal purpose loans, loans to individuals and lease financings. The Corporation reviews credit quality indicators on at least an annual basis and last completed this review in conjunction with the period ended December 31, 2024. Loans and leases past due 90 days or more and loans and leases on nonaccrual status are considered nonperforming. Nonperforming loans and leases are reviewed monthly. Performing loans and leases are reviewed only if the loan becomes 60 days or more past due.

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

The Corporation had no revolving loans which were converted to term loans included within recorded investment in loans and leases held for investment at September 30, 2025 or December 31, 2024.

Allowance for Credit Losses on Loans and Leases and Recorded Investment in 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

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

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.

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												—

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																	—						$	—

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

As of September 30, 2025 and September 30, 2024, the Bank had $968 thousand and $971 thousand, respectively, in commitments to extend credit to borrowers experiencing financial difficulty whose terms had been modified.

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

Lease Financings

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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