XML 24 R12.htm IDEA: XBRL DOCUMENT

Loans and Leases and Allowance for Credit Losses

9 Months Ended

Sep. 30, 2025

Loans and Leases and Allowance for Credit Losses

Note 4. Loans and Leases and Allowance for Credit Losses

Portfolio Segmentation:

Major categories of loans and leases are summarized as follows (in thousands):


	September 30,		December 31,
	2025		2024
Commercial real estate:
Non-owner occupied	$	1,136,080	$	1,080,404
Owner occupied		1,012,088		867,678
Consumer real estate		811,150		741,836
Construction and land development		390,691		361,735
Commercial and industrial		794,751		775,620
Leases		60,301		64,878
Consumer and other		17,308		14,189
Total loans and leases		4,222,369		3,906,340
Less: Allowance for credit losses		(39,074)		(37,423)
Loans and leases, net	$	4,183,295	$	3,868,917

The loan and lease portfolio is disaggregated into segments. There are seven loan and lease portfolio segments which include commercial real estate non-owner occupied, commercial real estate owner occupied, consumer real estate, construction and land development, commercial and industrial, leases, and consumer and other.

The following describe risk characteristics relevant to each of the portfolio segments:

Commercial Real Estate – Non-Owner Occupied: Commercial real estate loans for income-producing properties such as apartment buildings, office and industrial buildings, and retail shopping centers are repaid from rent income derived from the properties. Loans within this portfolio segment are particularly sensitive to the valuation of real estate.

Commercial Real Estate - Owner Occupied: Commercial real estate loans to operating businesses are long-term financing of land and buildings where the owner occupies the property. These loans are repaid by cash flow generated from the business operation.

Consumer Real Estate: Consumer real estate loans include real estate loans secured by first liens, second liens, or open end real estate loans, such as home equity lines. These are repaid by various means such as a borrower’s income, sale of the property, or rental income derived from the property. Loans within this portfolio segment are particularly sensitive to the valuation of real estate.

Construction and Land Development: Loans for real estate construction and development are repaid through cash flow related to the operations, sale or refinance of the underlying property. This portfolio segment includes extensions of credit to real estate developers or investors where repayment is dependent on the sale of the real estate or income generated from the real estate collateral. Loans within this portfolio segment are particularly sensitive to the valuation of real estate.

Commercial and Industrial: The commercial and industrial loan portfolio segment includes commercial and financial loans. These loans include those loans to commercial customers for use in normal business operations to finance working capital needs, equipment purchases, or expansion projects. Loans are repaid by business cash flows. Collection risk in this portfolio is driven by the creditworthiness of the underlying borrower, particularly cash flows from the customers’ business operations.

Leases: The lease portfolio segment includes leases to small and mid-size companies for equipment financing leases. These leases are secured by a secured interest in the equipment being leased.

Consumer and Other: The consumer loan portfolio segment includes direct consumer installment loans, overdrafts and other revolving credit loans, and educational loans. Loans in this portfolio are sensitive to unemployment and other key consumer economic measures.

The following tables detail the changes in the allowance for credit losses by loan and lease classification (in thousands):


	Three Months Ended September 30, 2025
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	7,254	$	8,862	$	8,887	$	4,450	$	9,330	$	868	$	125	$	39,776
Charged-off loans and leases		—		—		(6)		—		(930)		(83)		(126)		(1,145)
Recoveries of charge-offs		—		2		45		—		25		—		20		92
Provision charged to expense ⁽¹⁾		(13)		15		(297)		(358)		325		542		137		351
Ending balance	$	7,241	$	8,879	$	8,629	$	4,092	$	8,750	$	1,327	$	156	$	39,074


	Three Months Ended September 30, 2024
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	7,018	$	8,612	$	7,543	$	3,496	$	7,234	$	670	$	117	$	34,690
Charged-off loans and leases		—		—		—		—		(430)		(924)		(72)		(1,426)
Recoveries of charge-offs		—		1		—		—		40		8		23		72
Provision charged to expense ⁽²⁾		(1)		(56)		(14)		222		785		1,291		46		2,273
Ending balance	$	7,017	$	8,557	$	7,529	$	3,718	$	7,629	$	1,045	$	114	$	35,609


	Nine Months Ended September 30, 2025
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	6,972	$	8,341	$	8,355	$	4,168	$	8,552	$	919	$	116	$	37,423
Charged-off loans and leases		—		—		(6)		—		(1,049)		(432)		(259)		(1,746)
Recoveries of charge-offs		—		5		45		200		147		3		55		455
Provision charged to expense ⁽¹⁾		269		533		235		(276)		1,100		837		244		2,942
Ending balance	$	7,241	$	8,879	$	8,629	$	4,092	$	8,750	$	1,327	$	156	$	39,074


	Nine Months Ended September 30, 2024
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	6,846	$	8,418	$	7,249	$	4,874	$	6,924	$	640	$	115	$	35,066
Charged-off loans and leases		—		—		—		(441)		(853)		(1,246)		(263)		(2,803)
Recoveries of charge-offs		—		34		4		—		136		8		73		255
Provision charged to expense ⁽²⁾		171		105		276		(715)		1,422		1,643		189		3,091
Ending balance	$	7,017	$	8,557	$	7,529	$	3,718	$	7,629	$	1,045	$	114	$	35,609

(1)

In the provision expense in the consolidated statements of income there was a release of $124 thousand and a provision of $676 thousand of unfunded commitments through the provision for credit losses not reflected in the three and nine months ended September 30, 2025.

(2)

In the provision expense in the consolidated statements of income was a provision of $302 thousand and a release of $73 thousand of unfunded commitments through the provision for credit losses not reflected in the three and nine months ended September 30, 2024.

We maintain the allowance for credit losses at a level that we deem appropriate to adequately cover the expected credit loss in the loan and lease portfolio. Our provision for credit losses on loan and lease for the three and nine months ended September 30, 2025, was $351 thousand and $2.9 million, respectively, and $2.3 million and $3.1 million, during the three and nine months ended September 30, 2024, respectively. As of September 30, 2025, and December 31, 2024, our

allowance for credit losses was $39.1 million and $37.4 million, respectively, which we deemed to be adequate at each of the respective dates. Our allowance for credit losses as a percentage of total loans and leases was 0.93% at September 30, 2025, and 0.96% at December 31, 2024.

A description of the general characteristics of the risk grades used by the Company is as follows:

Pass: Loans and leases in this risk category involve borrowers of acceptable-to-strong credit quality and risk who have the apparent ability to satisfy their loan and lease obligations. Loans and leases in this risk grade would possess sufficient mitigating factors, such as adequate collateral or strong guarantors possessing the capacity to repay the debt if required, for any weakness that may exist.

Watch: Loans and leases in this risk category involve borrowers that exhibit characteristics, or are operating under conditions that, if not successfully mitigated as planned, have a reasonable risk of resulting in a downgrade within the next six to twelve months. Loans and leases may remain in this risk category for six months and then are either upgraded or downgraded upon subsequent evaluation.

Special Mention: Loans and leases in this risk grade are the equivalent of the regulatory definition of “Other Assets Especially Mentioned” classification. Loans and leases in this category possess some credit deficiency or potential weakness, which requires a high level of management attention. Potential weaknesses include declining trends in operating earnings and cash flows and /or reliance on the secondary source of repayment. If left uncorrected, these potential weaknesses may result in noticeable deterioration of the repayment prospects for the asset or in the Company’s credit position.

Substandard: Loans and leases in this risk grade are inadequately protected by the borrower’s current financial condition and payment capability or of the collateral pledged, if any. Loans and leases so classified have a well-defined weakness or weaknesses that jeopardize the orderly repayment of debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

Doubtful: Loans and leases in this risk grade have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or orderly repayment in full, on the basis of current existing facts, conditions and values, highly questionable and improbable. Possibility of loss is extremely high, but because of certain important and reasonably specific factors that may work to the advantage and strengthening of the exposure, its classification as an estimated loss is deferred until its more exact status may be determined.

Uncollectible: Loans and leases in this risk grade are considered to be non-collectible and of such little value that their continuance as bankable assets is not warranted. This does not mean the loan or lease has absolutely no recovery value, but rather it is neither practical nor desirable to defer writing off the loan or lease, even though partial recovery may be obtained in the future. Charge-offs against the allowance for credit losses are taken in the period in which the loan or lease becomes uncollectible. Consequently, the Company typically does not maintain a recorded investment in loans or leases within this category.

The Company evaluates the loan risk grading system definitions and allowance for credit loss methodology on an ongoing basis.

The following tables outline the amount of each loan and lease classification and the amount categorized into each risk rating based on year of origination as of September 30, 2025, and December 31, 2024 (in thousands):


	September 30, 2025
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2025		2024		2023		2022		2021		Prior		Loans		to Term		Total
Commercial real estate - non-owner occupied
Pass	$	124,946	$	233,475	$	126,608	$	276,107	$	179,892	$	147,953	$	14,959	$	116	$	1,104,056
Watch		1,186		87		10,305		3,125		16,141		-		-		-		30,844
Special mention		-		-		-		-		-		-		-		-		-
Substandard		176		432		-		-		340		232		-		-		1,180
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - non-owner occupied		126,308		233,994		136,913		279,232		196,373		148,185		14,959		116		1,136,080
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Commercial real estate - owner occupied
Pass		155,777		165,321		115,897		279,376		142,186		128,083		11,709		43		998,392
Watch		-		3,091		3,017		1,141		-		648		848		-		8,745
Special mention		-		-		-		-		-		-		-		-		-
Substandard		1,135		-		-		-		3,254		562		-		-		4,951
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - owner occupied		156,912		168,412		118,914		280,517		145,440		129,293		12,557		43		1,012,088
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Consumer real estate
Pass		107,691		138,512		95,138		154,512		72,839		83,742		153,429		652		806,515
Watch		-		-		-		-		104		550		1,344		-		1,998
Special mention		-		-		-		-		-		47		-		-		47
Substandard		-		169		12		59				2,010		340		-		2,590
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer real estate		107,691		138,681		95,150		154,571		72,943		86,349		155,113		652		811,150
YTD gross charge-offs		-		-		-		-		-		-		(6)		-		(6)

Construction and land development
Pass		166,023		162,356		23,530		12,990		6,211		8,492		6,914		3,740		390,256
Watch		205		-		-		50		153		-		-		-		408
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		27		-		-		-		27
Doubtful		-		-		-		-		-		-		-		-		-
Total construction and land development		166,228		162,356		23,530		13,040		6,391		8,492		6,914		3,740		390,691
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Commercial and industrial
Pass		109,803		99,828		95,626		98,273		35,345		33,700		310,369		449		783,393
Watch		11		864		96		93		112		-		8,536		-		9,712
Special mention		-		-		-		-		-		-		-		-		-
Substandard		175		7		31		-		1,316		-		117		-		1,646
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial		109,989		100,699		95,753		98,366		36,773		33,700		319,022		449		794,751
YTD gross charge-offs		-		-		(52)		(623)		(200)		(174)		-		-		(1,049)

Leases
Pass⁽¹⁾		17,713		18,265		11,641		10,676		1,586		420		-		-		60,301
Watch		-		-		-		-		-		-		-		-		-
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total leases		17,713		18,265		11,641		10,676		1,586		420		-		-		60,301
YTD gross charge-offs		-		(218)		(194)		(3)		(1)		(16)		-		-		(432)


	September 30, 2025
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2025		2024		2023		2022		2021		Prior		Loans		to Term		Total
Consumer and other
Pass		4,875		2,024		955		287		253		409		8,444		-		17,247
Watch		-		4		-		-		-		-		-		-		4
Special mention		-		-		-		-		-		-		-		-		-
Substandard		51		5		-		1		-		-		-		-		57
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer and other		4,926		2,033		955		288		253		409		8,444		-		17,308
YTD gross charge-offs		(19)		(87)		(33)		(31)		(19)		(70)		-		-		(259)

Total loans
Pass⁽¹⁾		686,828		819,781		469,395		832,221		438,312		402,799		505,824		5,000		4,160,160
Watch		1,402		4,046		13,418		4,409		16,510		1,198		10,728		-		51,711
Special mention		-		-		-		-		-		47		-		-		47
Substandard		1,537		613		43		60		4,937		2,804		457		-		10,451
Doubtful		-		-		-		-		-		-		-		-		-
Total loans	$	689,767	$	824,440	$	482,856	$	836,690	$	459,759	$	406,848	$	517,009	$	5,000	$	4,222,369
Total YTD gross charge-offs	$	(19)	$	(305)	$	(279)	$	(657)	$	(220)	$	(260)	$	(6)	$	-	$	(1,746)

⁽¹⁾ Leases are not formally risk rated and classified as “Pass”. Balances include $3.3 million and $2.4 million of leases on nonaccrual as of September 30, 2025, and December 31, 2024, respectively.


	December 31, 2024
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2024		2023		2022		2021		2020		Prior		Loans		to Term		Total
Commercial real estate - non-owner occupied
Pass	$	241,022	$	118,055	$	286,728	$	228,554	$	85,754	$	97,319	$	8,295	$	696	$	1,066,423
Watch		-		1,637		6,769		278		-		4,275		-		-		12,959
Special mention		-		-		-		-		-		-		-		-		-
Substandard		470		-		-		-		301		251		-		-		1,022
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - non-owner occupied		241,492		119,692		293,497		228,832		86,055		101,845		8,295		696		1,080,404
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Commercial real estate - owner occupied
Pass		145,848		118,233		275,328		155,119		62,755		78,934		12,368		198		848,783
Watch		1,451		2,814		2,398		1,251		1,676		364		744		-		10,698
Special mention		3,147		-		-		-		-		-		-		-		3,147
Substandard		-		332		-		3,303		305		365		745		-		5,050
Doubtful		-		-				-		-		-		-		-		-
Total commercial real estate - owner occupied		150,446		121,379		277,726		159,673		64,736		79,663		13,857		198		867,678
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Consumer real estate
Pass		151,786		105,416		154,956		82,463		47,122		61,844		131,267		2,099		736,953
Watch		-		81		-		109		258		420		1,241		-		2,109
Special mention		-		-		-		-		-		50		-		-		50
Substandard		184		-		61		311		-		1,854		314		-		2,724
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer real estate		151,970		105,497		155,017		82,883		47,380		64,168		132,822		2,099		741,836
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Construction and land development
Pass		199,160		74,200		51,438		6,146		2,168		9,562		12,392		89		355,155
Watch		2,477		-		105		3,015		-		-		-		-		5,597
Special mention		515		-		-		-		-		-		-		-		515
Substandard		262		-		-		68		-		138		-		-		468
Doubtful		-		-		-		-		-		-		-		-		-
Total construction and land development		202,414		74,200		51,543		9,229		2,168		9,700		12,392		89		361,735
YTD gross charge-offs		-		-		-		-		(441)		-		-		-		(441)


	December 31, 2024
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2024		2023		2022		2021		2020		Prior		Loans		to Term		Total
Commercial and industrial
Pass		130,898		128,646		133,782		43,299		17,716		26,933		282,695		3,239		767,208
Watch		103		107		119		2,807		-		-		2,865		14		6,015
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		40		455		1,657		129		46		9		61		2,397
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial		131,001		128,793		134,356		47,763		17,845		26,979		285,569		3,314		775,620
YTD gross charge-offs		-		(618)		(235)		-		-		-		(29)		(46)		(928)

Leases
Pass		25,371		18,285		16,299		3,601		1,019		303		-		-		64,878
Watch		-		-		-		-		-		-		-		-		-
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total leases		25,371		18,285		16,299		3,601		1,019		303		-		-		64,878
YTD gross charge-offs		(74)		(619)		(589)		(1)		(1)		(28)		-		-		(1,312)

Consumer and other
Pass		4,385		1,932		922		387		284		238		6,024		-		14,172
Watch		4		-		-		-		-		-		-		-		4
Special mention		-		-		-		-		-		-		-		-		-
Substandard		11		-		-		-		-		2		-		-		13
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer and other		4,400		1,932		922		387		284		240		6,024		-		14,189
YTD gross charge-offs		(24)		(84)		(61)		(37)		(53)		(77)		-		-		(336)

Total loans
Pass		898,470		564,767		919,453		519,569		216,818		275,133		453,041		6,321		3,853,572
Watch		4,035		4,639		9,391		7,460		1,934		5,059		4,850		14		37,382
Special mention		3,662		-		-		-		-		50		-		-		3,712
Substandard		927		372		516		5,339		735		2,656		1,068		61		11,674
Doubtful		-		-		-		-		-		-		-		-		-
Total loans	$	907,094	$	569,778	$	929,360	$	532,368	$	219,487	$	282,898	$	458,959	$	6,396	$	3,906,340
Total YTD gross charge-offs	$	(98)	$	(1,321)	$	(885)	$	(38)	$	(495)	$	(105)	$	(29)	$	(46)	$	(3,017)

Past Due Loans and Leases:

A loan or lease is considered past due if any required principal and interest payments have not been received as of the date such payments were required to be made under the terms of the loan or lease agreement. Generally, management places a loan or lease on nonaccrual when there is a clear indicator that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan or lease is 90 days past due.

The following tables present an aging analysis of our loan and lease portfolio (in thousands):


	September 30, 2025
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Non-owner occupied	$	432	$	378	$	—	$	810	$	1,135,270	$	1,136,080
Owner occupied		526		237		598		1,361		1,010,727		1,012,088
Consumer real estate		592		800		833		2,225		808,925		811,150
Construction and land development		4		—		—		4		390,687		390,691
Commercial and industrial		1,769		1,055		1,834		4,658		790,093		794,751
Leases		964		88		3,015		4,067		56,234		60,301
Consumer and other		61		71		1		133		17,175		17,308
Total	$	4,348	$	2,629	$	6,281	$	13,258	$	4,209,111	$	4,222,369


	December 31, 2024
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Non-owner occupied	$	378	$	—	$	263	$	641	$	1,079,763		1,080,404
Owner occupied		731		47		539		1,317		866,361		867,678
Consumer real estate		2,258		826		764		3,848		737,988		741,836
Construction and land development		523		—		—		523		361,212		361,735
Commercial and industrial		1,417		367		1,636		3,420		772,200		775,620
Leases		1,645		—		2,118		3,763		61,115		64,878
Consumer and other		96		24		18		138		14,051		14,189
Total	$	7,048	$	1,264	$	5,338	$	13,650	$	3,892,690	$	3,906,340

The table below presents the amortized cost basis of loans on nonaccrual status and loans past due 90 or more days and still accruing interest at September 30, 2025, and December 31, 2024. Also presented is the balance of loans on nonaccrual status at September 30, 2025, and December 31, 2024, for which there was no related allowance for credit losses recorded (in thousands):


	September 30, 2025						December 31, 2024
	Total		Nonaccrual		Loans Past Due		Total		Nonaccrual		Loans Past Due
	Nonaccrual		With No Allowance		Over 90 Days		Nonaccrual		With No Allowance		Over 90 Days
	Loans		for Credit Losses		Still Accruing		Loans		for Credit Losses		Still Accruing
Commercial real estate:
Non-owner occupied	$	719	$	—	$	—	$	514	$	263	$	—
Owner occupied		1,929		1,409		—		906		539		—
Consumer real estate		1,965		562		—		1,995		752		—
Construction and land development		—		—		—		39		—		—
Commercial and industrial		1,994		—		129		1,820		—		144
Leases		3,311		—		—		2,433		—		—
Consumer and other		52		—		—		2		—		18
Total	$	9,970	$	1,971	$	129	$	7,709	$	1,554	$	162

The following table presents the amortized cost basis of collateral-dependent loans, which are individually evaluated to determine expected credit losses (in thousands):


	September 30, 2025
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	432	$	—	$	432
Owner occupied		4,394		—		4,394
Consumer real estate		837		—		837
Construction and land development		—		—		—
Commercial and industrial		—		2,469		2,469
Leases		—		1,270		1,270
Consumer and other		—		—		—
Total	$	5,663	$	3,739	$	9,402

	December 31, 2024
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	733	$	—	$	733
Owner occupied		4,636		—		4,636
Consumer real estate		1,139		—		1,139
Construction and land development		262		—		262
Commercial and industrial		—		2,286		2,286
Leases		—		534		534
Consumer and other		—		—		—
Total	$	6,770	$	2,820	$	9,590

Loan Modifications to Borrowers Experiencing Financial Difficulty:

The table below shows the amortized cost of loans and leases made to borrowers experiencing financial difficulty that were modified during the three and nine months ended September 30, 2025, and 2024, respectively. (dollars in thousands):


					Payment Delay
	Payment		Term		and Term
Three Months Ended September 30, 2025	Delay		Extension		Extension		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—
Owner occupied		—		—		—		—
Consumer real estate		—		107		—		107
Construction and land development		—		—		—		—
Commercial and industrial		—		62		—		62
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	169	$	—	$	169


Nine Months Ended September 30, 2025
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—
Owner occupied		—		—		—		—
Consumer real estate		—		163		—		163
Construction and land development		—		—		—		—
Commercial and industrial		—		81		—		81
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	244	$	—	$	244


					Payment Delay
	Payment		Term		and Term
Three Months Ended September 30, 2024	Delay		Extension		Extension		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—
Owner occupied		—		—		—		—
Consumer real estate		—		83		—		83
Construction and land development		—		—		—		—
Commercial and industrial		—		27		—		27
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	110	$	—	$	110


Nine Months Ended September 30, 2024
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—
Owner occupied		—		226		—		226
Consumer real estate		—		83		—		83
Construction and land development		—		—		—		—
Commercial and industrial		—		27		—		27
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	336	$	—	$	336

The following table summarizes the financial impacts of loan modifications made to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2025, and 2024, respectively. (dollars in thousands):


	Weighted-Average
	Term
	Extension
Three Months Ended September 30, 2025	(in months)
Commercial real estate:
Non-owner occupied		—
Owner occupied		—
Consumer real estate		118
Construction and land development		—
Commercial and industrial		61
Leases		—
Consumer and other		—


Nine Months Ended September 30, 2025
Commercial real estate:
Non-owner occupied		—
Owner occupied		—
Consumer real estate		118
Construction and land development		—
Commercial and industrial		55
Leases		—
Consumer and other		—


	Weighted-Average
	Term
	Extension
Three Months Ended September 30, 2024	(in months)
Commercial real estate:
Non-owner occupied		—
Owner occupied		62
Consumer real estate		—
Construction and land development		—
Commercial and industrial		38
Leases		—
Consumer and other		—


Nine Months Ended September 30, 2024
Commercial real estate:
Non-owner occupied		—
Owner occupied		64
Consumer real estate		62
Construction and land development		—
Commercial and industrial		38
Leases		—
Consumer and other		—

The table below shows the amortized cost of loans and leases made to borrowers experiencing financial difficulty that defaulted during the three and nine months ended September 30, 2025, and were modified in the twelve months prior to that default. (dollars in thousands):


					Payment Delay
	Payment		Term		and Term
Three Months Ended September 30, 2025	Delay		Extension		Extension		Total
Commercial real estate	$	—	$	—	$	—	$	—
Consumer real estate		—		—		—		—
Construction and land development		—		—		—		—
Commercial and industrial		—		19		—		19
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	19	$	—	$	19


Nine Months Ended September 30, 2025
Commercial real estate	$	—	$	—	$	—	$	—
Consumer real estate		—		—		—		—
Construction and land development		—		—		—		—
Commercial and industrial		—		19		—		19
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	19	$	—	$	19

No loan modifications made to borrowers experiencing financial difficulty in the past twelve months defaulted during the three and nine months ended September 30, 2024.

The table below shows an age analysis of loans and leases made to borrowers experiencing financial difficulty that were modified in the last twelve months, (in thousands):


	September 30, 2025
					90 Days
			30-89 Days		or More
	Current		Past Due		Past Due		Nonaccrual		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—	$	—
Owner occupied		—		—		—		299		299
Consumer real estate		107		—		—		56		163
Construction and land development		—		—		—		—		—
Commercial and industrial		—		—		—		81		81
Leases		—		—		—		—		—
Consumer and other		—		—		—		—		—
Total	$	107	$	—	$	—	$	436	$	543

Foreclosure Proceedings and Balances:

As of September 30, 2025, there was no residential real estate property secured by real estate included in other real estate owned and there was one residential real estate loan in the process of foreclosure.