Summary of delinquent and nonaccrual loans

The following table summarizes our delinquent and nonaccrual loans as of:


	Past Due and Still Accruing												Total Past
							90 Days						Due and
(dollars in thousands)	30–59 Days			60-89 Days			or More			Nonaccrual			Nonaccrual			Current		Total
September 30, 2025:
Real estate loans:
Residential properties	$	9,617		$	—		$	—		$	19,761		$	29,378		$	4,075,011	$	4,104,389
Commercial properties		—			—			348			5,592			5,940			739,730		745,670
Land and construction		—			—			—			—			—			37,699		37,699
Commercial and industrial loans		632			165			344			32,078			33,219			2,379,877		2,413,096
Consumer loans		—			—			—			—			—			1,561		1,561
Total	$	10,249		$	165		$	692		$	57,431		$	68,537		$	7,233,878	$	7,302,415

Percentage of total loans		0.14	%		0.00	%		0.01	%		0.79	%		0.94	%

December 31, 2024:
Real estate loans:
Residential properties	$	7,083		$	—		$	—		$	23,324		$	30,407		$	4,193,994	$	4,224,401
Commercial properties		7,944			428			12,900			7,946			29,218			874,463		903,681
Land and construction		—			—			—			—			—			69,134		69,134
Commercial and industrial loans		997			617			—			9,174			10,788			2,732,226		2,743,014
Consumer loans		—			—			—			—			—			1,163		1,163
Total	$	16,024		$	1,045		$	12,900		$	40,444		$	70,413		$	7,870,980	$	7,941,393

Percentage of total loans		0.20	%		0.01	%		0.16	%		0.51	%		0.89	%

Schedule of composition of TDRs by accrual and nonaccrual status


	September 30, 2025:
	Term Extension
		Amortized Cost Basis	% of Total Class of Loans		Financial Effect
Residential loans	$	35	—	%	1 loan with 4 months of payment deferrals.
Commercial and industrial loans	$	12,417	0.51	%	8 loans with payment deferrals of either 2 or 3 months with $100 monthly payments; 2 loans with payment deferrals of 2 months; 4 loans with term extensions and payment deferrals ranging from 6 to 52 months; 1 loan with term extension of 12 months with quarterly principal curtailments; 1 loan with term extension of 151 months and 50% payments until paid in full.
Total	$	12,452

	Payment Deferrals
		Amortized Cost Basis	% of Total Class of Loans		Financial Effect
Residential loans	$	10,911	0.27	%	1 loan with 3 month forbearance
Total	$	10,911

	Combination
		Amortized Cost Basis	% of Total Class of Loans		Financial Effect
Commercial and industrial loans	$	2,429	0.10	%	6 loans with extensions of loan maturity of 2 and 3 months and payment deferral. 2 loans with extensions of loan maturity of 12 months with principal curtailments.
Total	$	2,429

	Total
		Amortized Cost Basis	% of Total Class of Loans
Residential loans	$	10,946	0.27	%
Commercial and industrial loans		14,846	0.61	%
Total	$	25,792

	September 30, 2024:
	Term Extension
		Amortized Cost Basis	% of Total Class of Loans		Financial Effect
Residential loans	$	6	—	%	1 loan with term extension of 22 months.
Commercial real estate loans		12,900	1.40	%	1 loan with term extension of 10 months.
Commercial and industrial loans	$	2,294	—	%	6 loans with various extensions of loan maturity ranging from 3 to 60 months and payment deferral. 1 loan with 3-month extension and 3-month forbearance. 1 loan with $100 payments through 3 months.
Total	$	15,194

	Combination
		Amortized Cost Basis	% of Total Class of Loans		Financial Effect
Commercial and industrial loans		9,568	0.40	%	5 loans with various extensions of loan maturity ranging from 6 to 7 months and payment deferral. 1 loan with 5 month forbearance and interest rate reduction. 2 loans with $100 payments through 3 months with payment deferral. 2 loans with term extension of 12 months and payment deferral.
Total	$	9,568

	Total
		Amortized Cost Basis	% of Total Class of Loans
Residential loans	$	6	—	%
Commercial real estate loans		12,900	1.40	%
Commercial and industrial loans		11,862	0.40	%
Total	$	24,768