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LOANS (Tables)

9 Months Ended

Sep. 30, 2025

Receivables [Abstract]

Schedule of Loans

The following table presents total loans outstanding by portfolio class, as of September 30, 2025 and December 31, 2024:

(dollars in thousands)			September 30, 2025						December 31, 2024
Commercial:
Commercial			$	1,038,821					$	818,496
Commercial other			437,712						541,324
Commercial real estate:
Commercial real estate non-owner occupied			1,457,627						1,628,961
Commercial real estate owner occupied			425,712						440,806
Multi-family			386,585						454,249
Farmland			66,737						67,648
Construction and land development			260,073						299,842
Total commercial loans			4,073,267						4,251,326
Residential real estate:
Residential first lien			292,830						315,775
Other residential			60,645						64,782
Consumer:
Consumer			82,710						96,202
Consumer other			47,152						48,099
Lease financing			310,983						391,390
Total loans			$	4,867,587					$	5,167,574

Schedule of Changes in Financing Receivable Related Parties Roll Forward

The new loans, other additions, repayments and other reductions for the three and nine months ended September 30, 2025 and 2024, are summarized as follows:

			Three Months Ended September 30,												Nine Months Ended September 30,
(dollars in thousands)			2025						2024						2025						2024
Beginning balance			$	44,486					$	20,894					$	40,410					$	20,990
New loans and other additions			1,352						1,000						7,027						1,500
Repayments and other reductions			(377)						(264)						(1,976)						(860)
Ending balance			$	45,461					$	21,630					$	45,461					$	21,630

Summary of Changes in Allowance for Loan Losses, by Loan Portfolio

The following table represents, by loan portfolio segment, a summary of changes in the allowance for credit losses on loans for the three and nine months ended September 30, 2025 and 2024:

						Commercial Loan Portfolio																		Other Loan Portfolio
(dollars in thousands)						Commercial						Commercial real estate						Construction and land development						Residential real estate						Consumer						Lease financing						Total
Changes in allowance for credit losses on loans for the three months ended September 30, 2025:
Balance, beginning of period						$	34,179					$	27,439					$	2,869					$	7,104					$	5,704					$	15,395					$	92,690
Provision for credit losses on loans						7,841						2,678						1,480						(711)						116						9,101						20,505
Charge-offs						(4,301)						(3,798)						(2,901)						(54)						(897)						(4,088)						(16,039)
Recoveries						1,320						494						1,122						54						103						637						3,730
Balance, end of period						$	39,039					$	26,813					$	2,570					$	6,393					$	5,026					$	21,045					$	100,886
Changes in allowance for credit losses on loans for the nine months ended September 30, 2025:
Balance, beginning of period						$	42,776					$	36,837					$	3,550					$	8,002					$	5,400					$	14,639					$	111,204
Provision for credit losses on loans						17,196						15,817						(231)						(1,645)						1,352						16,235						48,724
Charge-offs						(23,762)						(26,974)						(2,901)						(126)						(2,234)						(11,422)						(67,419)
Recoveries						2,829						1,133						2,152						162						508						1,593						8,377
Balance, end of period						$	39,039					$	26,813					$	2,570					$	6,393					$	5,026					$	21,045					$	100,886
Changes in allowance for credit losses on loans for the three months ended September 30, 2024:
Balance, beginning of period						$	32,236					$	22,197					$	12,966					$	5,193					$	69,563					$	13,288					$	155,443
Provision for credit losses on loans						5,442						364						(907)						255						9,439						3,332						17,925
Charge-offs						(2,492)						(32)						—						(159)						(17,316)						(2,979)						(22,978)
Recoveries						484						1						2						63						44						83						677
Balance, end of period						$	35,670					$	22,530					$	12,061					$	5,352					$	61,730					$	13,724					$	151,067
Changes in allowance for credit losses on loans for the nine months ended September 30, 2024:
Balance, beginning of period						$	29,672					$	20,229					$	4,163					$	5,553					$	86,762					$	12,940					$	159,319
Provision for credit losses on loans						16,435						788						7,895						(138)						14,185						7,184						46,349
Charge-offs						(11,190)						(728)						—						(194)						(39,411)						(6,728)						(58,251)
Recoveries						753						2,241						3						131						194						328						3,650
Balance, end of period						$	35,670					$	22,530					$	12,061					$	5,352					$	61,730					$	13,724					$	151,067

Schedule of Transitioning Risk States for Each Asset Pool within the Expected Credit Loss Model

The below table illustrates the transition matrix:

Risk state						Commercial loans risk rating						Consumer loans and equipment finance loans and leases days past due
1						0-5						0-14
2						6						15-29
3						7						30-59
4						8						60-89
Default						9+ and nonaccrual						90+ and nonaccrual

Schedule of Amortized Cost Basis of Individually Evaluated Loans on Nonaccrual Status

The following table presents the amortized cost basis of individually evaluated loans on nonaccrual status as of September 30, 2025 and December 31, 2024:

			September 30, 2025																		December 31, 2024
(dollars in thousands)			Nonaccrual with allowance						Nonaccrual with no allowance						Total nonaccrual						Nonaccrual with allowance						Nonaccrual with no allowance						Total nonaccrual
Commercial:
Commercial			$	3,490					$	3,849					$	7,339					$	2,678					$	7,074					$	9,752
Commercial other			4,695						2,209						6,904						3,439						—						3,439
Commercial real estate:
Commercial real estate non-owner occupied			1,244						18,544						19,788						9,173						24,187						33,360
Commercial real estate owner occupied			995						10,172						11,167						1,407						16,871						18,278
Multi-family			716						—						716						2,363						51,770						54,133
Farmland			1,267						409						1,676						1,148						—						1,148
Construction and land development			—						5,534						5,534						39						8,399						8,438
Total commercial loans			12,407						40,717						53,124						20,247						108,301						128,548
Residential real estate:
Residential first lien			2,597						463						3,060						2,501						491						2,992
Other residential			524						—						524						446						—						446
Consumer:
Consumer			49						—						49						20						—						20
Lease financing			7,364						—						7,364						8,132						—						8,132
Total loans			$	22,941					$	41,180					$	64,121					$	31,346					$	108,792					$	140,138

The following table represents, by loan portfolio segment, a summary of the loan restructuring for the three and nine months ended September 30, 2025 and 2024:

			Three Months Ended September 30,																		Nine Months Ended September 30,
			2025									2024									2025									2024
(dollars in thousands)			Balance			Count						Balance			Count						Balance			Count						Balance			Count
Commercial:
Commercial			$	10,901		2						$	77		2						$	11,949		4						$	77		2
Commercial other			—			—						370			5						845			4						2,277			17
Commercial real estate:
Commercial real estate non-owner occupied			8,069			2						3,552			1						8,069			2						9,941			2
Commercial real estate owner occupied			—			—						6,131			3						—			—						6,131			3
Farmland			120			1						—			—						387			2						—			—
Construction and land development			1,571			1						1,334			1						1,571			1						1,334			1
Total commercial loans			20,661			6						11,464			12						22,821			13						19,760			25
Residential real estate:
Residential first lien			20			1						—			—						162			4						65			1
Other residential			—			—						—			—						10			1						82			2
Consumer:
Consumer			—			—						11			1						—			—						37			2
Lease financing			—			—						348			2						—			—						2,480			11
Total loan restructurings			$	20,681		7						$	11,823		15						$	22,993		18						$	22,424		41
			Balance			Count						Balance			Count						Balance			Count						Balance			Count
Interest Rate Reduction			$	—		—						$	77		1						$	294		2						$	556		3
Term Extension			12,542			5						4,897			3						13,741			11						8,629			26
Payment Deferral			120			1						370			5						120			1						6,760			6
Interest Rate Reduction and Term Extension			8,019			1						—			—						8,019			1						—			—
Interest Rate Reduction and Payment Deferral			—			—						893			3						—			—						893			3
Term Extension and Payment Deferral			—			—						5,586			3						819			3						5,586			3
Total loan restructurings			$	20,681		7						$	11,823		15						$	22,993		18						$	22,424		41

Schedule of Collateral Dependent Loans

The table below presents the amortized cost basis of individually evaluated, collateral dependent loans by loan class, for borrowers experiencing financial difficulty, as of September 30, 2025 and December 31, 2024:

			Type of Collateral
(dollars in thousands)			Real Estate						Blanket Lien						Equipment												Total
September 30, 2025
Commercial:
Commercial			$	—					$	3,849					$	—											$	3,849
Commercial other			—						2,209						801												3,010
Commercial real estate:
Non-owner occupied			18,534						—						—												18,534
Owner occupied			8,577						1,595						—												10,172
Multi-family			716						—						—												716
Farmland			—						409						—												409
Construction and land development			5,534						—						—												5,534
Lease financing			—						—						—												—
Total collateral dependent loans			$	33,361					$	8,062					$	801											$	42,224
December 31, 2024
Commercial:
Commercial			$	—					$	7,074					$	—											$	7,074
Commercial other			—						—						—												—
Commercial real estate:
Non-owner occupied			24,188						—						—												24,188
Owner occupied			9,284						7,587						—												16,871
Multi-family			54,133						—						—												54,133
Construction and land development			8,399						—						—												8,399
Lease financing			—						—						465												465
Total collateral dependent loans			$	96,004					$	14,661					$	465											$	111,130

Schedule of Aging Status of Recorded Investments in Loans by Portfolio (Excluding PCI Loans)

The aging status of the recorded investment in loans by class as of September 30, 2025 was as follows:

			Accruing loans
(dollars in thousands)			30-59 days past due						60-89 days past due						Past due 90 days or more						Total past due						Nonaccrual						Current						Total
Commercial:
Commercial			$	696					$	—					$	—					$	696					$	7,339					$	1,030,786					$	1,038,821
Commercial other			10,179						7,035						4,536						21,750						6,904						409,058						437,712
Commercial real estate:
Commercial real estate non-owner occupied			65						—						—						65						19,788						1,437,774						1,457,627
Commercial real estate owner occupied			230						155						—						385						11,167						414,160						425,712
Multi-family			—						—						—						—						716						385,869						386,585
Farmland			—						—						—						—						1,676						65,061						66,737
Construction and land development			—						—						—						—						5,534						254,539						260,073
Total commercial loans			11,170						7,190						4,536						22,896						53,124						3,997,247						4,073,267
Residential real estate:
Residential first lien			23						383						35						441						3,060						289,329						292,830
Other residential			135						40						—						175						524						59,946						60,645
Consumer:
Consumer			190						125						11						326						49						82,335						82,710
Consumer other			571						192						—						763						—						46,389						47,152
Lease financing			4,522						1,478						—						6,000						7,364						297,619						310,983
Total loans			$	16,611					$	9,408					$	4,582					$	30,601					$	64,121					$	4,772,865					$	4,867,587

The aging status of the recorded investment in loans by class as of December 31, 2024 was as follows:

			Accruing loans
(dollars in thousands)			30-59 days past due						60-89 days past due						Past due 90 days or more						Total past due						Nonaccrual						Current						Total
Commercial:
Commercial			$	4,562					$	349					$	—					$	4,911					$	9,752					$	803,833					$	818,496
Commercial other			9,578						6,284						10,769						26,631						3,439						511,254						541,324
Commercial real estate:
Commercial real estate non-owner occupied			11,732						—						—						11,732						33,360						1,583,869						1,628,961
Commercial real estate owner occupied			985						—						—						985						18,278						421,543						440,806
Multi-family			—						—						—						—						54,133						400,116						454,249
Farmland			48						—						—						48						1,148						66,452						67,648
Construction and land development			—						—						—						—						8,438						291,404						299,842
Total commercial loans			26,905						6,633						10,769						44,307						128,548						4,078,471						4,251,326
Residential real estate:
Residential first lien			21						650						—						671						2,992						312,112						315,775
Other residential			91						38						—						129						446						64,207						64,782
Consumer:
Consumer			314						40						—						354						20						95,828						96,202
Consumer other			345						211						—						556						—						47,543						48,099
Lease financing			4,679						3,754						—						8,433						8,132						374,825						391,390
Total loans			$	32,355					$	11,326					$	10,769					$	54,450					$	140,138					$	4,972,986					$	5,167,574

Financing Receivable, Modified

The following table presents the performance of such loans that have been modified in the last twelve months as of September 30, 2025:

(dollars in thousands)			30-59 days past due						60-89 days past due						Past due 90 days or more						Total past due												Current						Total
Commercial:
Commercial			$	—					$	—					$	—					$	—											$	11,949					$	11,949
Commercial other			—						—						—						—												845						845
Commercial real estate:
Commercial real estate non-owner occupied			—						—						—						—												17,920						17,920
Commercial real estate owner occupied			—						—						—						—												—						—
Multi-family			—						—						—						—												—						—
Farmland			—						—						—						—												387						387
Construction and land development			—						—						—						—												1,571						1,571
Total commercial loans			—						—						—						—												32,672						32,672
Residential real estate:
Residential first lien			—						6						66						72												473						545
Other residential			—						—						—						—												10						10
Consumer:
Consumer			—						—						—						—												6						6
Lease financing			—						—						430						430												169						599
Total loan restructurings			$	—					$	6					$	496					$	502											$	33,330					$	33,832

Schedule of Loans Credit Equality Indicators

The following tables present the recorded investment of the commercial loan portfolio by risk category as of September 30, 2025 and December 31, 2024:

									September 30, 2025
									Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)									2025						2024						2023						2022						2021						Prior						Revolving loans						Total
Commercial			Commercial			Acceptable credit quality			$	395,628					$	92,950					$	76,292					$	14,413					$	28,930					$	42,645					$	362,054					$	1,012,912
						Special mention			—						—						5,229						—						3,803						31						188						9,251
						Substandard			—						39						2,563						241						318						1,448						4,710						9,319
						Substandard – nonaccrual			—						142						717						4,251						508						563						1,158						7,339
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			395,628						93,131						84,801						18,905						33,559						44,687						368,110						1,038,821
			Commercial other			Acceptable credit quality			44,305						78,661						67,972						86,981						33,710						17,040						94,169						422,838
						Special mention			201						704						1,561						2,170						1,489						196						663						6,984
						Substandard			—						—						28						—						—						64						894						986
						Substandard – nonaccrual			—						727						2,144						930						530						519						2,054						6,904
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			44,506						80,092						71,705						90,081						35,729						17,819						97,780						437,712
Commercial real estate			Non-owner occupied			Acceptable credit quality			251,900						261,820						138,412						345,444						214,777						151,430						8,596						1,372,379
						Special mention			106						15,657						3,135						—						174						3,685						—						22,757
						Substandard			—						61						—						10,261						—						32,381						—						42,703
						Substandard – nonaccrual			—						9,784						—						60						2,867						7,077						—						19,788
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			252,006						287,322						141,547						355,765						217,818						194,573						8,596						1,457,627
			Owner occupied			Acceptable credit quality			76,587						61,110						45,209						89,458						68,561						68,169						718						409,812
						Special mention			1,357						843						—						—						—						87						—						2,287
						Substandard			—						431						—						—						24						1,991						—						2,446
						Substandard – nonaccrual			—						200						—						9,710						264						689						304						11,167
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			77,944						62,584						45,209						99,168						68,849						70,936						1,022						425,712
			Multi-family			Acceptable credit quality			70,856						30,490						14,393						168,749						39,041						16,275						607						340,411
						Special mention			—						—						7,595						17,133						—						—						—						24,728
						Substandard			—						—						—						15,534						5,158						38						—						20,730
						Substandard – nonaccrual			—						—						—						—						—						716						—						716
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			70,856						30,490						21,988						201,416						44,199						17,029						607						386,585
			Farmland			Acceptable credit quality			16,012						2,062						6,995						3,654						6,968						25,187						879						61,757
						Special mention			—						—						—						—						847						96						—						943
						Substandard			600						—						1,210						—						13						538						—						2,361
						Substandard – nonaccrual			—						—						—						227						267						1,134						48						1,676
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			16,612						2,062						8,205						3,881						8,095						26,955						927						66,737
Construction and land development						Acceptable credit quality			84,117						95,804						12,804						22,798						14,034						372						8,141						238,070
						Special mention			—						1,588						—						9,000						—						—						—						10,588
						Substandard			—						—						—						—						80						—						—						80
						Substandard – nonaccrual			—						—						—						—						5,534						—						—						5,534
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			1,524						3,635						316						306						—						20						—						5,801
						Subtotal			85,641						101,027						13,120						32,104						19,648						392						8,141						260,073
Total						Acceptable credit quality			939,405						622,897						362,077						731,497						406,021						321,118						475,164						3,858,179
						Special mention			1,664						18,792						17,520						28,303						6,313						4,095						851						77,538
						Substandard			600						531						3,801						26,036						5,593						36,460						5,604						78,625
						Substandard – nonaccrual			—						10,853						2,861						15,178						9,970						10,698						3,564						53,124
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			1,524						3,635						316						306						—						20						—						5,801
Total commercial loans									$	943,193					$	656,708					$	386,575					$	801,320					$	427,897					$	372,391					$	485,183					$	4,073,267

									December 31, 2024
									Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)									2024						2023						2022						2021						2020						Prior						Revolving loans						Total
Commercial			Commercial			Acceptable credit quality			$	103,345					$	100,478					$	66,135					$	59,613					$	28,661					$	39,895					$	343,577					$	741,704
						Special mention			54,838						—						—						—						—						60						277						55,175
						Substandard			464						2,964						626						1,311						196						1,239						5,065						11,865
						Substandard – nonaccrual			—						635						4,601						514						12						3,202						788						9,752
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			158,647						104,077						71,362						61,438						28,869						44,396						349,707						818,496
			Commercial other			Acceptable credit quality			101,877						94,515						133,745						59,701						25,688						14,016						103,794						533,336
						Special mention			1						2,132						1,100						964						197						94						—						4,488
						Substandard			—						31						—						—						—						—						30						61
						Substandard – nonaccrual			119						646						1,406						682						93						394						99						3,439
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			101,997						97,324						136,251						61,347						25,978						14,504						103,923						541,324
Commercial real estate			Non-owner occupied			Acceptable credit quality			404,475						179,499						460,447						261,886						79,830						130,160						6,729						1,523,026
						Special mention			12,392						4,079						—						178						3,988						274						—						20,911
						Substandard			62						2,061						8,149						4,190						4,463						32,739						—						51,664
						Substandard – nonaccrual			80						7,737						7,861						4,509						—						13,173						—						33,360
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			417,009						193,376						476,457						270,763						88,281						176,346						6,729						1,628,961
			Owner occupied			Acceptable credit quality			61,613						43,344						95,334						101,717						46,914						62,723						629						412,274
						Special mention			849						—						—						—						—						214						—						1,063
						Substandard			469						5,469						381						—						—						2,872						—						9,191
						Substandard – nonaccrual			317						—						16,971						264						1						421						304						18,278
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			63,248						48,813						112,686						101,981						46,915						66,230						933						440,806
			Multi-family			Acceptable credit quality			49,292						14,682						224,849						60,428						27,417						9,519						978						387,165
						Special mention			—						7,650						—						—						—						—						—						7,650
						Substandard			—						—						—						5,258						—						43						—						5,301
						Substandard – nonaccrual			27,354						8,890						—						899						—						16,990						—						54,133
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			76,646						31,222						224,849						66,585						27,417						26,552						978						454,249
			Farmland			Acceptable credit quality			4,157						9,540						4,557						16,794						10,046						19,588						1,690						66,372
						Special mention			—						—						—						—						—						—						—						—
						Substandard			—						—						—						13						—						115						—						128
						Substandard – nonaccrual			—						—						—						—						—						1,100						48						1,148
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			—						—						—						—						—						—						—						—
						Subtotal			4,157						9,540						4,557						16,807						10,046						20,803						1,738						67,648
Construction and land development						Acceptable credit quality			71,889						27,121						106,277						25,780						—						1,153						38,829						271,049
						Special mention			11,409						—						—						—						—						—						—						11,409
						Substandard			5,848						—						—						—						—						—						—						5,848
						Substandard – nonaccrual			—						—						—						8,399						—						39						—						8,438
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			2,232						470						374						—						—						22						—						3,098
						Subtotal			91,378						27,591						106,651						34,179						—						1,214						38,829						299,842
Total						Acceptable credit quality			796,648						469,179						1,091,344						585,919						218,556						277,054						496,226						3,934,926
						Special mention			79,489						13,861						1,100						1,142						4,185						642						277						100,696
						Substandard			6,843						10,525						9,156						10,772						4,659						37,008						5,095						84,058
						Substandard – nonaccrual			27,870						17,908						30,839						15,267						106						35,319						1,239						128,548
						Doubtful			—						—						—						—						—						—						—						—
						Not graded			2,232						470						374						—						—						22						—						3,098
Total commercial loans									$	913,082					$	511,943					$	1,132,813					$	613,100					$	227,506					$	350,045					$	502,837					$	4,251,326

The following table presents the gross charge-offs by class of loan and year of origination on the commercial loan portfolio for the three and nine months ended September 30, 2025 and 2024:

						Term Loans by Origination Year
(dollars in thousands)						2025						2024						2023						2022						2021						Prior						Revolving Loans						Total
For the three months ended September 30, 2025
Commercial			Commercial			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
			Commercial Other			156						6						880						1,253						102						247						1,657						4,301
Commercial Real Estate			Non-owner occupied			—						87						—						—						—						1,906						—						1,993
			Owner occupied			—						—						—						1,297						—						8						—						1,305
			Multi-family			—						—						—						500						—						—						—						500
Construction and land development						—						—						—						—						2,860						41						—						2,901
Total gross commercial charge-offs						$	156					$	93					$	880					$	3,050					$	2,962					$	2,202					$	1,657					$	11,000
						Term Loans by Origination Year
						2025						2024						2023						2022						2021						Prior						Revolving Loans						Total
For the nine months ended September 30, 2025
Commercial			Commercial			$	—					$	—					$	—					$	—					$	—					$	152					$	—					$	152
			Commercial Other			156						62						1,915						3,183						508						364						17,422						23,610
Commercial Real Estate			Non-owner occupied			—						87						—						7,782						—						7,649						—						15,518
			Owner occupied			—						—						—						7,144						—						8						—						7,152
			Multi-family			—						—						—						2,854						—						1,450						—						4,304
Construction and land development						—						—						—						—						2,860						41						—						2,901
Total gross commercial charge-offs						$	156					$	149					$	1,915					$	20,963					$	3,368					$	9,664					$	17,422					$	53,637

						Term Loans by Origination Year
(dollars in thousands)						2024						2023						2022						2021						2020						Prior						Revolving Loans						Total
For the three months ended September 30, 2024
Commercial			Commercial			$	—					$	—					$	—					$	—					$	22					$	2					$	—					$	24
			Commercial Other			—						320						1,608						301						43						196						—						2,468
Commercial Real Estate			Non-owner occupied			—						—						—						—						—						—						—						—
			Owner occupied			—						—						—						—						—						32						—						32
			Multi-family			—						—						—						—						—						—						—						—
Construction and land development						—						—						—						—						—						—						—						—
Total gross commercial charge-offs						$	—					$	320					$	1,608					$	301					$	65					$	230					$	—					$	2,524
						Term Loans by Origination Year
						2024						2023						2022						2021						2020						Prior						Revolving Loans						Total
For the nine months ended September 30, 2024
Commercial			Commercial			$	—					$	475					$	—					$	750					$	32					$	17					$	102					$	1,376
			Commercial Other			—						1,765						6,939						722						66						322						—						9,814
Commercial Real Estate			Non-owner occupied			—						—						—						—						138						5						—						143
			Owner occupied			—						—						—						—						—						585						—						585
			Multi-family			—						—						—						—						—						—						—						—
Construction and land development						—						—						—						—						—						—						—						—
Total gross commercial charge-offs						$	—					$	2,240					$	6,939					$	1,472					$	236					$	929					$	102					$	11,918

The following tables present the recorded investment of our other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming as of September 30, 2025 and December 31, 2024:

									September 30, 2025
									Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)									2025						2024						2023						2022						2021						Prior						Revolving Loans						Total
Residential real estate			Residential first lien			Performing			$	6,114					$	29,464					$	39,188					$	64,054					$	29,690					$	121,225					$	—					$	289,735
						Nonperforming			—						—						275						—						300						2,520						—						3,095
						Subtotal			6,114						29,464						39,463						64,054						29,990						123,745						—						292,830
			Other residential			Performing			1,000						2,159						1,943						683						206						1,597						52,533						60,121
						Nonperforming			—						—						—						—						—						155						369						524
						Subtotal			1,000						2,159						1,943						683						206						1,752						52,902						60,645
Consumer			Consumer			Performing			9,455						17,503						15,971						12,605						19,584						6,449						1,083						82,650
						Nonperforming			—						11						30						2						—						17						—						60
						Subtotal			9,455						17,514						16,001						12,607						19,584						6,466						1,083						82,710
			Consumer other			Performing			—						—						344						32,073						6,504						8,231						—						47,152
						Nonperforming			—						—						—						—						—						—						—						—
						Subtotal			—						—						344						32,073						6,504						8,231						—						47,152
Leases financing						Performing			41,553						73,327						71,790						70,799						26,890						19,260						—						303,619
						Nonperforming			—						672						3,179						2,569						670						274						—						7,364
						Subtotal			41,553						73,999						74,969						73,368						27,560						19,534						—						310,983
Total						Performing			58,122						122,453						129,236						180,214						82,874						156,762						53,616						783,277
						Nonperforming			—						683						3,484						2,571						970						2,966						369						11,043
Total other loans									$	58,122					$	123,136					$	132,720					$	182,785					$	83,844					$	159,728					$	53,985					$	794,320

									December 31, 2024
									Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)									2024						2023						2022						2021						2020						Prior						Revolving loans						Total
Residential real estate			Residential first lien			Performing			$	29,754					$	41,263					$	69,334					$	35,539					$	27,282					$	109,572					$	39					$	312,783
						Nonperforming			—						137						196						312						139						2,208						—						2,992
						Subtotal			29,754						41,400						69,530						35,851						27,421						111,780						39						315,775
			Other residential			Performing			2,620						2,218						874						257						308						1,822						56,237						64,336
						Nonperforming			—						—						—						—						—						148						298						446
						Subtotal			2,620						2,218						874						257						308						1,970						56,535						64,782
Consumer			Consumer			Performing			22,405						21,182						16,636						23,632						3,542						7,874						911						96,182
						Nonperforming			—						—						5						—						—						12						3						20
						Subtotal			22,405						21,182						16,641						23,632						3,542						7,886						914						96,202
			Consumer other			Performing			—						536						29,939						7,510						3,677						6,437						—						48,099
						Nonperforming			—						—						—						—						—						—						—						—
						Subtotal			—						536						29,939						7,510						3,677						6,437						—						48,099
Leases financing						Performing			94,432						96,171						106,809						44,213						24,774						16,859						—						383,258
						Nonperforming			77						3,720						3,017						992						239						87						—						8,132
						Subtotal			94,509						99,891						109,826						45,205						25,013						16,946						—						391,390
Total
						Performing			149,211						161,370						223,592						111,151						59,583						142,564						57,187						904,658
						Nonperforming			77						3,857						3,218						1,304						378						2,455						301						11,590
Total other loans									$	149,288					$	165,227					$	226,810					$	112,455					$	59,961					$	145,019					$	57,488					$	916,248

The following table presents the gross charge-offs by class of loan and year of origination on the other loan portfolio for the three and nine months ended September 30, 2025 and 2024:

						Term Loans by Origination Year
(dollars in thousands)						2025						2024						2023						2022						2021						Prior						Revolving Loans						Total
For the three months ended September 30, 2025
Residential real estate			Residential first lien			$	—					$	—					$	40					$	—					$	—					$	—					$	—					$	40
			Other residential			—						—						—						—						—						1						13						14
Consumer			Consumer			23						5						9						2						—						—						6						45
			Consumer other			—						27						18						348						139						320						—						852
Lease financing						—						249						1,605						1,843						330						61						—						4,088
Total gross other charge-offs						$	23					$	281					$	1,672					$	2,193					$	469					$	382					$	19					$	5,039
						Term Loans by Origination Year
						2025						2024						2023						2022						2021						Prior						Revolving Loans						Total
For the nine months ended September 30, 2025
Residential real estate			Residential first lien			$	—					$	—					$	40					$	—					$	—					$	27					$	—					$	67
			Other residential			—						—						—						25						—						2						32						59
Consumer			Consumer			23						35						21						4						—						1						19						103
			Consumer other			26						106						68						632						268						1,031						—						2,131
Lease financing						—						716						5,023						4,261						723						699						—						11,422
Total gross other charge-offs						$	49					$	857					$	5,152					$	4,922					$	991					$	1,760					$	51					$	13,782

						Term Loans
(dollars in thousands)						2024						2023						2022						2021						2020						Prior						Revolving Loans						Total
For the three months ended September 30, 2024
Residential real estate			Residential first lien			$	—					$	18					$	—					$	—					$	—					$	—					$	—					$	18
			Other residential			—						—						—						—						—						1						140						141
Consumer			Consumer			1						—						—						—						—						—						7						8
			Consumer other			1						2,779						11,732						1,299						632						865						—						17,308
Lease financing						—						583						1,560						464						245						127						—						2,979
Total gross other charge-offs						$	2					$	3,380					$	13,292					$	1,763					$	877					$	993					$	147					$	20,454
						Term Loans
						2024						2023						2022						2021						2020						Prior						Revolving Loans						Total
For the nine months ended September 30, 2024
Residential real estate			Residential first lien			$	—					$	18					$	11					$	—					$	—					$	—					$	—					$	29
			Other residential			—						—						16						—						—						1						148						165
Consumer			Consumer			1						22						—						5						16						27						8						79
			Consumer other			2						7,813						22,439						4,140						2,046						2,892						—						39,332
Lease financing						—						1,652						3,831						801						297						147						—						6,728
Total gross other charge-offs						$	3					$	9,505					$	26,297					$	4,946					$	2,359					$	3,067					$	156					$	46,333

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-Subparagraph (SX 210.5-02(3))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

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- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

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