Loans

Schedule of past due status of loans


	30-59		60-89		90+								90+ Days
	Days		Days		Days		Total						Past Due and
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current¹		Total Loans		Accruing
Commercial real estate	$	—	$	—	$	75	$	75	$	793,690	$	793,765	$	75
Commercial business		—		101		—		101		107,434		107,535		—
Construction - commercial real estate		—		—		—		—		119,076		119,076		—
Land acquisition and development		—		—		—		—		59,722		59,722		—
Builder lines		—		—		—		—		43,473		43,473		—
Construction - consumer real estate		—		—		—		—		25,366		25,366		—
Residential mortgage		468		144		941		1,553		313,315		314,868		—
Equity lines		266		6		—		272		70,959		71,231		—
Other consumer		13		—		—		13		9,930		9,943		—
Consumer finance - automobiles		14,589		2,079		1,269		17,937		384,598		402,535		—
Consumer finance - marine and recreational vehicles		454		81		58		593		60,116		60,709		—
Total	$	15,790	$	2,411	$	2,343	$	20,544	$	1,987,679	$	2,008,223	$	75

1

For the purposes of the table above, “Current” includes loans that are 1-29 days past due.


	30-59		60-89		90+								90+ Days
	Days		Days		Days		Total						Past Due and
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current¹		Total Loans		Accruing
Commercial real estate	$	26	$	—	$	—	$	26	$	734,156	$	734,182	$	—
Commercial business		29		—		—		29		104,918		104,947		—
Construction - commercial real estate		—		—		—		—		132,717		132,717		—
Land acquisition and development		—		—		—		—		46,072		46,072		—
Builder lines		—		—		—		—		35,605		35,605		—
Construction - consumer real estate		747		—		—		747		18,052		18,799		—
Residential mortgage		1,012		1,076		426		2,514		306,295		308,809		334
Equity lines		85		—		76		161		62,043		62,204		76
Other consumer		9		—		—		9		10,261		10,270		—
Consumer finance - automobiles		14,703		2,650		599		17,952		380,699		398,651		—
Consumer finance - marine and recreational vehicles		215		22		15		252		67,890		68,142		—
Total	$	16,826	$	3,748	$	1,116	$	21,690	$	1,898,708	$	1,920,398	$	410

1For the purposes of the table above, “Current” includes loans that are 1-29 days past due.

Summary of amortized cost basis of loans that were both experiencing financial difficulty and modified

Three Months Ended September 30, 2025

Nine Months Ended September 30, 2025

% of Total

Amortized

Class of

Amortized

Class of

(Dollars in thousands)

Cost

Loans

Cost

Loans

Term Extension

Commercial real estate

$

—

%

$

3,545

0.4

%

Total Term Extension

$

—

$

3,545

Total

$

—

%

$

3,545

0.2

%


	Three Months Ended September 30, 2024					Nine Months Ended September 30, 2024
			% of Total					% of Total
	Amortized		Class of			Amortized		Class of
(Dollars in thousands)	Cost		Loans			Cost		Loans
Term Extension
Commercial real estate	$	96		0.0	%	$	96		0.0	%
Residential mortgage		—		—	%		336		0.1	%
Total Term Extension	$	96				$	432

Combination Term Extension and Interest Rate Reduction
Residential mortgage	$	—		—	%	$	18		0.0	%
Total Combination Term Extension and Interest Rate Reduction	$	—				$	18
Total	$	96		0.0	%	$	450		0.0	%

Three Months Ended September 30, 2025

Nine Months Ended September 30, 2025

Weighted-

Average

Interest

Term

Interest

Term

Rate

Extension

Rate

Extension

Reduction

(in years)

Reduction

(in years)

Commercial real estate

—

%

—

%

1.1

Total

—

%

—

%

1.1

Three Months Ended September 30, 2024

Nine Months Ended September 30, 2024

Weighted-

Average

Interest

Term

Interest

Term

Rate

Extension

Rate

Extension

Reduction

(in years)

Reduction

(in years)

Commercial real estate

—

%

1.0

—

%

1.0

Residential mortgage

—

1.51

6.9

Total

—

%

1.0

1.51

%

5.7