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.

Past Due Loans and Leases

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

Summary of amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses

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

Summary of loans and leases made to borrowers experiencing financial difficulty that defaulted


					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