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Loans (Tables) | 12 Months Ended
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Dec. 31, 2025
Receivables [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable | Categories of loans include:
|  | December 31,
|  | 2025 |  | 2024
Commercial loans |  |  |  |
Commercial and industrial |  | $ | 221,714 |  |  | $ | 120,175 |
Owner-occupied commercial real estate |  | 48,575 |  |  | 53,591 |
Investor commercial real estate |  | 647,394 |  |  | 269,431 |
Construction |  | 372,668 |  |  | 413,523 |
Single tenant lease financing |  | 222,925 |  |  | 949,748 |
Public finance |  | 442,234 |  |  | 485,867 |
Healthcare finance |  | 139,469 |  |  | 181,427 |
Small business lending 1 |  | 430,024 |  |  | 331,914 |
Franchise finance |  | 417,045 |  |  | 536,909 |
Total commercial loans |  | 2,942,048 |  |  | 3,342,585 |
Consumer loans |  |  |  |
Residential mortgage |  | 343,110 |  |  | 375,160 |
Home equity |  | 14,725 |  |  | 18,274 |
Other consumer |  | 425,458 |  |  | 407,947 |
Total consumer loans |  | 783,293 |  |  | 801,381 |
Total commercial and consumer loans |  | 3,725,341 |  |  | 4,143,966 |
Net deferred loan origination costs, premiums and discounts on purchased loans, and other 2 |  | 21,387 |  |  | 26,680 |
Total loans |  | 3,746,728 |  |  | 4,170,646 |
Allowance for credit losses |  | (55,686) |  |  | (44,769) |
Net loans |  | $ | 3,691,042 |  |  | $ | 4,125,877 |
1 Balances include $52.2 million and $34.0 million that are guaranteed by the U.S. government as of December 31, 2025 and December 31, 2024, respectively. 2 Includes carrying value adjustment of $19.1 million and $22.9 million related to terminated interest rate swaps associated with public finance loans as of December 31, 2025 and December 31, 2024, respectively.
Allowance for Credit Losses on Financing Receivables | The following tables present changes in the balance of the ACL during the twelve months ended December 31, 2025, 2024 and 2023, respectively.
|  | Twelve Months Ended December 31, 2025
Allowance for credit losses: |  | Balance, Beginning of Period |  |  |  | Provision (Credit) Charged to Expense |  | Charge-Offs |  | Recoveries |  | Balance, End of Period
Commercial and industrial |  | $ | 1,265 |  |  |  |  | $ | 809 |  |  | $ | (153) |  |  | $ | 21 |  |  | $ | 1,942 |
Owner-occupied commercial real estate |  | 528 |  |  |  |  | (264) |  |  | — |  |  | — |  |  | 264 |
Investor commercial real estate |  | 1,149 |  |  |  |  | 1,106 |  |  | — |  |  | — |  |  | 2,255 |
Construction |  | 1,984 |  |  |  |  | 462 |  |  | — |  |  | — |  |  | 2,446 |
Single tenant lease financing |  | 4,782 |  |  |  |  | (3,966) |  |  | — |  |  | — |  |  | 816 |
Public finance |  | 703 |  |  |  |  | (292) |  |  | — |  |  | — |  |  | 411 |
Healthcare finance |  | 1,412 |  |  |  |  | (807) |  |  | — |  |  | — |  |  | 605 |
Small business lending |  | 16,161 |  |  |  |  | 49,604 |  |  | (39,650) |  |  | 1,681 |  |  | 27,796 |
Franchise finance |  | 8,976 |  |  |  |  | 26,712 |  |  | (21,754) |  |  | 94 |  |  | 14,028 |
Residential mortgage |  | 2,136 |  |  |  |  | 62 |  |  | (75) |  |  | 19 |  |  | 2,142 |
Home equity |  | 106 |  |  |  |  | (75) |  |  | — |  |  | 7 |  |  | 38 |
Other consumer |  | 5,567 |  |  |  |  | (1,430) |  |  | (1,457) |  |  | 263 |  |  | 2,943 |
Total |  | $ | 44,769 |  |  |  |  | $ | 71,921 |  |  | $ | (63,089) |  |  | $ | 2,085 |  |  | $ | 55,686 |
The ACL was established based on historical loss experience, current conditions, and reasonable and supportable economic forecasts. These inputs did not indicate emerging credit deterioration within the small business lending or franchise finance portfolios as of December 31, 2024. However, during 2025, credit performance in these portfolios declined at a pace that exceeded prior expectations, resulting in higher-than-anticipated charge‑offs. In response to the observed deterioration, the Company increased the allowance allocated to these loan segments and implemented more stringent underwriting and lending standards to address the heightened credit risk.
|  | Twelve Months Ended December 31, 2024
Allowance for credit losses: |  | Balance, Beginning of Period |  |  |  | (Credit) Provision Charged to Expense |  | Charge-Offs |  | Recoveries |  | Balance, End of Period
Commercial and industrial |  | $ | 2,185 |  |  |  |  | $ | (928) |  |  | $ | — |  |  | $ | 8 |  |  | $ | 1,265 |
Owner-occupied commercial real estate |  | 825 |  |  |  |  | (297) |  |  | — |  |  | — |  |  | 528 |
Investor commercial real estate |  | 1,311 |  |  |  |  | (162) |  |  | — |  |  | — |  |  | 1,149 |
Construction |  | 2,167 |  |  |  |  | (183) |  |  | — |  |  | — |  |  | 1,984 |
Single tenant lease financing |  | 8,129 |  |  |  |  | (3,152) |  |  | (195) |  |  | — |  |  | 4,782 |
Public finance |  | 1,372 |  |  |  |  | (669) |  |  | — |  |  | — |  |  | 703 |
Healthcare finance |  | 1,976 |  |  |  |  | (564) |  |  | — |  |  | — |  |  | 1,412 |
Small business lending |  | 6,532 |  |  |  |  | 19,745 |  |  | (10,441) |  |  | 325 |  |  | 16,161 |
Franchise finance |  | 6,363 |  |  |  |  | 4,079 |  |  | (1,466) |  |  | — |  |  | 8,976 |
Residential mortgage |  | 2,054 |  |  |  |  | 240 |  |  | (159) |  |  | 1 |  |  | 2,136 |
Home equity |  | 171 |  |  |  |  | (72) |  |  | — |  |  | 7 |  |  | 106 |
Other consumer |  | 5,689 |  |  |  |  | 778 |  |  | (1,009) |  |  | 109 |  |  | 5,567 |
Total |  | $ | 38,774 |  |  |  |  | $ | 18,815 |  |  | $ | (13,270) |  |  | $ | 450 |  |  | $ | 44,769 |
|  | Twelve Months Ended December 31, 2023
Allowance for credit losses: |  | Balance, Beginning of Period |  |  |  | Adoption of CECL |  | Provision (Credit) Charged to Expense |  | Losses Charged Off |  | Recoveries |  | Balance, End of Period
Commercial and industrial |  | $ | 1,711 |  |  |  |  | $ | (120) |  |  | $ | 7,400 |  |  | $ | (7,049) |  |  | $ | 243 |  |  | $ | 2,185 |
Owner-occupied commercial real estate |  | 651 |  |  |  |  | 62 |  |  | 112 |  |  | — |  |  | — |  |  | 825 |
Investor commercial real estate |  | 1,099 |  |  |  |  | (191) |  |  | 994 |  |  | (591) |  |  | — |  |  | 1,311 |
Construction |  | 2,074 |  |  |  |  | (435) |  |  | 528 |  |  | — |  |  | — |  |  | 2,167 |
Single tenant lease financing |  | 10,519 |  |  |  |  | (346) |  |  | (2,044) |  |  | — |  |  | — |  |  | 8,129 |
Public finance |  | 1,753 |  |  |  |  | (135) |  |  | (246) |  |  | — |  |  | — |  |  | 1,372 |
Healthcare finance |  | 2,997 |  |  |  |  | 1,034 |  |  | (1,450) |  |  | (605) |  |  | — |  |  | 1,976 |
Small business lending |  | 2,168 |  |  |  |  | 334 |  |  | 6,539 |  |  | (2,586) |  |  | 77 |  |  | 6,532 |
Franchise finance |  | 3,988 |  |  |  |  | (313) |  |  | 3,019 |  |  | (331) |  |  | — |  |  | 6,363 |
Residential mortgage |  | 1,559 |  |  |  |  | 406 |  |  | 224 |  |  | (140) |  |  | 5 |  |  | 2,054 |
Home equity |  | 69 |  |  |  |  | 133 |  |  | (37) |  |  | — |  |  | 6 |  |  | 171 |
Other consumer |  | 3,149 |  |  |  |  | 2,533 |  |  | 415 |  |  | (582) |  |  | 174 |  |  | 5,689 |
Total |  | $ | 31,737 |  |  |  |  | $ | 2,962 |  |  | $ | 15,454 |  |  | $ | (11,884) |  |  | $ | 505 |  |  | $ | 38,774 |
Financing Receivables, Provision For Credit Losses On Off-Balance Sheet Commitments | The following tables details activity in the provision for credit losses on off-balance sheet commitments for the twelve months ended December 31, 2025, 2024 and 2023.
|  | Balance December 31, 2024 |  | (Benefit) Provision for Credit Losses |  | Balance December 31, 2025
Off-balance sheet commitments |  |  |  |  |  |
Commercial loans |  |  |  |  |  |
Commercial and industrial |  | $ | 233 |  |  | $ | (56) |  |  | $ | 177 |
Owner-occupied commercial real estate |  | 11 |  |  | (11) |  |  | — |
Investor commercial real estate |  | 1 |  |  | 35 |  |  | 36 |
Construction |  | 1,568 |  |  | 691 |  |  | 2,259 |
Single tenant lease financing |  | 19 |  |  | (18) |  |  | 1 |
Small business lending |  | 263 |  |  | (151) |  |  | 112 |
Total commercial loans |  | 2,095 |  |  | 490 |  |  | 2,585 |
Consumer loans |  |  |  |  |  |
Residential mortgage |  | 1 |  |  | (1) |  |  | — |
Home equity |  | 35 |  |  | (35) |  |  | — |
Other consumer |  | 8 |  |  | (8) |  |  | — |
Total consumer loans |  | 44 |  |  | (44) |  |  | — |
Total allowance for off-balance sheet commitments |  | $ | 2,139 |  |  | $ | 446 |  |  | $ | 2,585 |
|  | Balance December 31, 2023 |  | Provision (Benefit) for Credit Losses |  | Balance December 31, 2024
Off-balance sheet commitments |  |  |  |  |  |
Commercial loans |  |  |  |  |  |
Commercial and industrial |  | $ | 233 |  |  | $ | — |  |  | $ | 233 |
Owner-occupied commercial real estate |  | 9 |  |  | 2 |  |  | 11 |
Investor commercial real estate |  | 6 |  |  | (5) |  |  | 1 |
Construction |  | 2,889 |  |  | (1,321) |  |  | 1,568 |
Single tenant lease financing |  | — |  |  | 19 |  |  | 19 |
Small business lending |  | 541 |  |  | (278) |  |  | 263 |
Total commercial loans |  | 3,678 |  |  | (1,583) |  |  | 2,095 |
Consumer loans |  |  |  |  |  |
Residential mortgage |  | 11 |  |  | (10) |  |  | 1 |
Home equity |  | 45 |  |  | (10) |  |  | 35 |
Other consumer |  | 11 |  |  | (3) |  |  | 8 |
Total consumer loans |  | 67 |  |  | (23) |  |  | 44 |
Total allowance for off-balance sheet commitments |  | $ | 3,745 |  |  | $ | (1,606) |  |  | $ | 2,139 |
|  | Pre-ASC 326 Adoption |  | Impact of ASC 326 Adoption |  | (Benefit) Provision for Credit Losses |  | Balance December 31, 2023
Off-balance sheet commitments |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | 110 |  |  | $ | 123 |  |  | $ | 233 |
Owner-occupied commercial real estate |  | — |  |  | — |  |  | 9 |  |  | 9 |
Investor commercial real estate |  | — |  |  | 9 |  |  | (3) |  |  | 6 |
Construction |  | — |  |  | 2,193 |  |  | 696 |  |  | 2,889 |
Healthcare finance |  | — |  |  | 2 |  |  | (2) |  |  | — |
Small business lending |  | — |  |  | — |  |  | 541 |  |  | 541 |
Total commercial loans |  |  |  | 2,314 |  |  | 1,364 |  |  | 3,678 |
Consumer loans |  |  |  |  |  |  |  |
Residential mortgage |  | — |  |  | 127 |  |  | (116) |  |  | 11 |
Home equity |  | — |  |  | 52 |  |  | (7) |  |  | 45 |
Other consumer |  | — |  |  | 11 |  |  | — |  |  | 11 |
Total consumer loans |  | — |  |  | 190 |  |  | (123) |  |  | 67 |
Total allowance for off-balance sheet commitments |  | $ | — |  |  | $ | 2,504 |  |  | $ | 1,241 |  |  | $ | 3,745 |
Financing Receivable Credit Quality Indicators | The following table presents the credit risk profile of the Company’s commercial and consumer loan portfolios by loan class and by year of origination for the years indicated based on rating category and payment activity as of December 31, 2025 and December 31, 2024
| December 31, 2025
| Term Loans (amortized cost basis by origination year) |  | Revolving loans amortized cost basis | Revolving loans converted to term |  |
| 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  |  | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 91,592 |  |  | $ | 18,608 |  |  | $ | 6,984 |  |  | $ | 10,450 |  |  | $ | 530 |  |  | $ | 14,152 |  |  | $ | 60,071 |  | $ | — |  |  | $ | 202,387 |
Special Mention | 177 |  |  | 256 |  |  | — |  |  | 4,746 |  |  | 4,237 |  |  | — |  |  | 9,671 |  | — |  |  | 19,087 |
Substandard | 64 |  |  | 38 |  |  | 138 |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | 240 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total commercial and industrial | 91,833 |  |  | 18,902 |  |  | 7,122 |  |  | 15,196 |  |  | 4,767 |  |  | 14,152 |  |  | 69,742 |  | — |  |  | 221,714 |
Year-to-date gross charge-offs | 94 |  |  | 59 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | 153 |
Owner-occupied commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 4,159 |  |  | 6,202 |  |  | 1,421 |  |  | 5,174 |  |  | 4,155 |  |  | 15,966 |  |  | — |  | — |  |  | 37,077 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | 852 |  |  | 8,991 |  |  | — |  | — |  |  | 9,843 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,655 |  |  | — |  | — |  |  | 1,655 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total owner-occupied commercial real estate | 4,159 |  |  | 6,202 |  |  | 1,421 |  |  | 5,174 |  |  | 5,007 |  |  | 26,612 |  |  | — |  | — |  |  | 48,575 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Investor commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 61,333 |  |  | 80,798 |  |  | 195,528 |  |  | 179,155 |  |  | 91,708 |  |  | 35,141 |  |  | — |  | — |  |  | 643,663 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,731 |  |  | — |  | — |  |  | 3,731 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total investor commercial real estate | 61,333 |  |  | 80,798 |  |  | 195,528 |  |  | 179,155 |  |  | 91,708 |  |  | 38,872 |  |  | — |  | — |  |  | 647,394 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 65,190 |  |  | 147,941 |  |  | 132,835 |  |  | 23,114 |  |  | — |  |  | 2,042 |  |  | 1,546 |  | — |  |  | 372,668 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total construction | 65,190 |  |  | 147,941 |  |  | 132,835 |  |  | 23,114 |  |  | — |  |  | 2,042 |  |  | 1,546 |  | — |  |  | 372,668 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Single tenant lease financing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 144,764 |  |  | 1,370 |  |  | 1,007 |  |  | 10,377 |  |  | 2,021 |  |  | 29,524 |  |  | — |  | — |  |  | 189,063 |
Special Mention | — |  |  | — |  |  | — |  |  | 18,628 |  |  | 4,168 |  |  | 9,401 |  |  | — |  | — |  |  | 32,197 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,665 |  |  | — |  | — |  |  | 1,665 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total single tenant lease financing | 144,764 |  |  | 1,370 |  |  | 1,007 |  |  | 29,005 |  |  | 6,189 |  |  | 40,590 |  |  | — |  | — |  |  | 222,925 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Public finance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 44,077 |  |  | 11,119 |  |  | — |  |  | 5,301 |  |  | 10,385 |  |  | 369,442 |  |  | — |  | — |  |  | 440,324 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,910 |  |  | — |  | — |  |  | 1,910 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total public finance | 44,077 |  |  | 11,119 |  |  | — |  |  | 5,301 |  |  | 10,385 |  |  | 371,352 |  |  | — |  | — |  |  | 442,234 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
| December 31, 2025
| Term Loans (amortized cost basis by origination year) |  | Revolving loans amortized cost basis | Revolving loans converted to term |  |
| 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  |  | Total
Healthcare finance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | 7,317 |  |  | 128,623 |  |  | — |  | — |  |  | 135,940 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 933 |  |  | — |  | — |  |  | 933 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,596 |  |  | — |  | — |  |  | 2,596 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total healthcare finance | — |  |  | — |  |  | — |  |  | — |  |  | 7,317 |  |  | 132,152 |  |  | — |  | — |  |  | 139,469 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Small business lending |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 152,566 |  |  | 103,270 |  |  | 62,754 |  |  | 21,651 |  |  | 7,851 |  |  | 13,779 |  |  | 27,048 |  | — |  |  | 388,919 |
Special Mention | — |  |  | 7,519 |  |  | 5,276 |  |  | 514 |  |  | — |  |  | 1,475 |  |  | 1,953 |  | — |  |  | 16,737 |
Substandard | — |  |  | 5,838 |  |  | 11,637 |  |  | 1,315 |  |  | 270 |  |  | 1,416 |  |  | 3,892 |  | — |  |  | 24,368 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total small business lending | 152,566 |  |  | 116,627 |  |  | 79,667 |  |  | 23,480 |  |  | 8,121 |  |  | 16,670 |  |  | 32,893 |  | — |  |  | 430,024 |
Year-to-date gross charge-offs | 400 |  |  | 16,668 |  |  | 17,755 |  |  | 2,821 |  |  | 1,087 |  |  | 919 |  |  | — |  | — |  |  | 39,650 |
Franchise finance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 718 |  |  | 56,732 |  |  | 172,080 |  |  | 120,012 |  |  | 29,064 |  |  | — |  |  | — |  | — |  |  | 378,606 |
Special Mention | 510 |  |  | 628 |  |  | 3,351 |  |  | 6,972 |  |  | — |  |  | — |  |  | — |  | — |  |  | 11,461 |
Substandard | — |  |  | 1,281 |  |  | 6,831 |  |  | 10,877 |  |  | 7,989 |  |  | — |  |  | — |  | — |  |  | 26,978 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total franchise finance | 1,228 |  |  | 58,641 |  |  | 182,262 |  |  | 137,861 |  |  | 37,053 |  |  | — |  |  | — |  | — |  |  | 417,045 |
Year-to-date gross charge-offs | — |  |  | 370 |  |  | 7,664 |  |  | 9,576 |  |  | 4,144 |  |  | — |  |  | — |  | — |  |  | 21,754 |
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | 4,770 |  |  | 6,271 |  |  | 10,901 |  |  | 163,760 |  |  | 78,631 |  |  | 73,883 |  |  | — |  | — |  |  | 338,216 |
Nonperforming | — |  |  | — |  |  | — |  |  | 2,721 |  |  | 597 |  |  | 1,576 |  |  | — |  | — |  |  | 4,894 |
Total residential mortgage | 4,770 |  |  | 6,271 |  |  | 10,901 |  |  | 166,481 |  |  | 79,228 |  |  | 75,459 |  |  | — |  | — |  |  | 343,110 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | 75 |  |  | — |  |  | — |  |  | — |  | — |  |  | 75 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | — |  |  | — |  |  | 628 |  |  | 1,009 |  |  | 187 |  |  | 761 |  |  | 11,330 |  | 810 |  |  | 14,725 |
Nonperforming | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total home equity | — |  |  | — |  |  | 628 |  |  | 1,009 |  |  | 187 |  |  | 761 |  |  | 11,330 |  | 810 |  |  | 14,725 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | 98,688 |  |  | 85,148 |  |  | 77,999 |  |  | 72,978 |  |  | 26,284 |  |  | 63,224 |  |  | 903 |  | — |  |  | 425,224 |
Nonperforming | — |  |  | 96 |  |  | 84 |  |  | 9 |  |  | 34 |  |  | 11 |  |  | — |  | — |  |  | 234 |
Total other consumer | 98,688 |  |  | 85,244 |  |  | 78,083 |  |  | 72,987 |  |  | 26,318 |  |  | 63,235 |  |  | 903 |  | — |  |  | 425,458 |
Year-to-date gross charge-offs | 79 |  |  | 279 |  |  | 491 |  |  | 189 |  |  | 31 |  |  | 388 |  |  | — |  | — |  |  | 1,457 |
Total Loans | $ | 668,608 |  |  | $ | 533,115 |  |  | $ | 689,454 |  |  | $ | 658,763 |  |  | $ | 276,280 |  |  | $ | 781,897 |  |  | $ | 116,414 |  | $ | 810 |  |  | $ | 3,725,341 |
Total year-to-date gross charge-offs | $ | 573 |  |  | $ | 17,376 |  |  | $ | 25,910 |  |  | $ | 12,661 |  |  | $ | 5,262 |  |  | $ | 1,307 |  |  | $ | — |  | $ | — |  |  | $ | 63,089 |
| December 31, 2024
| Term Loans (amortized cost basis by origination year) |  | Revolving loans amortized cost basis | Revolving loans converted to term |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |  | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 23,539 |  |  | $ | 8,501 |  |  | $ | 13,853 |  |  | $ | 5,418 |  |  | $ | 2,362 |  |  | $ | 17,829 |  |  | $ | 44,000 |  | $ | — |  |  | $ | 115,502 |
Special Mention | 47 |  |  | 164 |  |  | 4,462 |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | 4,673 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total Commercial and industrial | 23,586 |  |  | 8,665 |  |  | 18,315 |  |  | 5,418 |  |  | 2,362 |  |  | 17,829 |  |  | 44,000 |  | — |  |  | 120,175 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Owner-occupied commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 7,410 |  |  | 1,458 |  |  | 5,366 |  |  | 6,438 |  |  | 5,716 |  |  | 14,793 |  |  | — |  | — |  |  | 41,181 |
Special Mention | — |  |  | — |  |  | 570 |  |  | 888 |  |  | 8,144 |  |  | 1,153 |  |  | — |  | — |  |  | 10,755 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,655 |  |  | — |  | — |  |  | 1,655 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total owner-occupied commercial real estate | 7,410 |  |  | 1,458 |  |  | 5,936 |  |  | 7,326 |  |  | 13,860 |  |  | 17,601 |  |  | — |  | — |  |  | 53,591 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Investor commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 71,430 |  |  | 3,849 |  |  | 88,290 |  |  | 65,050 |  |  | 9,607 |  |  | 27,474 |  |  | — |  | — |  |  | 265,700 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,731 |  |  | — |  | — |  |  | 3,731 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total investor commercial real estate | 71,430 |  |  | 3,849 |  |  | 88,290 |  |  | 65,050 |  |  | 9,607 |  |  | 31,205 |  |  | — |  | — |  |  | 269,431 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 35,177 |  |  | 186,979 |  |  | 140,299 |  |  | 47,598 |  |  | 1,622 |  |  | — |  |  | 1,848 |  | — |  |  | 413,523 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total construction | 35,177 |  |  | 186,979 |  |  | 140,299 |  |  | 47,598 |  |  | 1,622 |  |  | — |  |  | 1,848 |  | — |  |  | 413,523 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Single tenant lease financing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 79,872 |  |  | 46,674 |  |  | 211,005 |  |  | 88,192 |  |  | 63,506 |  |  | 437,564 |  |  | — |  | — |  |  | 926,813 |
Special Mention | 644 |  |  | — |  |  | 9,696 |  |  | 3,460 |  |  | — |  |  | 9,135 |  |  | — |  | — |  |  | 22,935 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total single tenant lease financing | 80,516 |  |  | 46,674 |  |  | 220,701 |  |  | 91,652 |  |  | 63,506 |  |  | 446,699 |  |  | — |  | — |  |  | 949,748 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 195 |  |  | — |  | — |  |  | 195 |
Public finance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 55,306 |  |  | 1,290 |  |  | 7,790 |  |  | 12,050 |  |  | 463 |  |  | 407,008 |  |  | — |  | — |  |  | 483,907 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,960 |  |  | — |  | — |  |  | 1,960 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total public finance | 55,306 |  |  | 1,290 |  |  | 7,790 |  |  | 12,050 |  |  | 463 |  |  | 408,968 |  |  | — |  | — |  |  | 485,867 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
| December 31, 2024
| Term Loans (amortized cost basis by origination year) |  | Revolving loans amortized cost basis | Revolving loans converted to term |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |  | Total
Healthcare finance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | 8,969 |  |  | 104,427 |  |  | 67,413 |  |  | — |  | — |  |  | 180,809 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 618 |  |  | — |  | — |  |  | 618 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total healthcare finance | — |  |  | — |  |  | — |  |  | 8,969 |  |  | 104,427 |  |  | 68,031 |  |  | — |  | — |  |  | 181,427 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Small business lending |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 138,044 |  |  | 94,556 |  |  | 30,486 |  |  | 11,715 |  |  | 9,687 |  |  | 9,896 |  |  | 17,197 |  | — |  |  | 311,581 |
Special Mention | 1,022 |  |  | 4,691 |  |  | 927 |  |  | — |  |  | 354 |  |  | 1,213 |  |  | 697 |  | — |  |  | 8,904 |
Substandard | 2,940 |  |  | 3,909 |  |  | 1,457 |  |  | 258 |  |  | 970 |  |  | 1,001 |  |  | 894 |  | — |  |  | 11,429 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total small business lending | 142,006 |  |  | 103,156 |  |  | 32,870 |  |  | 11,973 |  |  | 11,011 |  |  | 12,110 |  |  | 18,788 |  | — |  |  | 331,914 |
Year-to-date gross charge-offs | 1,093 |  |  | 4,600 |  |  | 3,038 |  |  | 567 |  |  | 619 |  |  | 524 |  |  | — |  | — |  |  | 10,441 |
Franchise finance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 67,065 |  |  | 230,425 |  |  | 172,830 |  |  | 42,869 |  |  | — |  |  | — |  |  | — |  | — |  |  | 513,189 |
Special Mention | — |  |  | 1,978 |  |  | 5,084 |  |  | 6,275 |  |  | — |  |  | — |  |  | — |  | — |  |  | 13,337 |
Substandard | — |  |  | 3,543 |  |  | 6,367 |  |  | 473 |  |  | — |  |  | — |  |  | — |  | — |  |  | 10,383 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total franchise finance | 67,065 |  |  | 235,946 |  |  | 184,281 |  |  | 49,617 |  |  | — |  |  | — |  |  | — |  | — |  |  | 536,909 |
Year-to-date gross charge-offs | — |  |  | 1,171 |  |  | — |  |  | 295 |  |  | — |  |  | — |  |  | — |  | — |  |  | 1,466 |
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | 3,577 |  |  | 13,533 |  |  | 183,484 |  |  | 86,213 |  |  | 28,655 |  |  | 55,615 |  |  | — |  | — |  |  | 371,077 |
Nonperforming | — |  |  | — |  |  | 1,671 |  |  | 609 |  |  | 69 |  |  | 1,734 |  |  | — |  | — |  |  | 4,083 |
Total residential mortgage | 3,577 |  |  | 13,533 |  |  | 185,155 |  |  | 86,822 |  |  | 28,724 |  |  | 57,349 |  |  | — |  | — |  |  | 375,160 |
Year-to-date gross charge-offs | — |  |  | — |  |  | 101 |  |  | 58 |  |  | — |  |  | — |  |  | — |  | — |  |  | 159 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | — |  |  | 992 |  |  | 1,450 |  |  | 356 |  |  | 414 |  |  | 530 |  |  | 13,621 |  | 911 |  |  | 18,274 |
Nonperforming | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total home equity | — |  |  | 992 |  |  | 1,450 |  |  | 356 |  |  | 414 |  |  | 530 |  |  | 13,621 |  | 911 |  |  | 18,274 |
Year-to-date gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | 101,965 |  |  | 97,832 |  |  | 88,872 |  |  | 33,177 |  |  | 20,918 |  |  | 64,251 |  |  | 870 |  | — |  |  | 407,885 |
Nonperforming | — |  |  | — |  |  | 38 |  |  | 11 |  |  | 1 |  |  | 12 |  |  | — |  | — |  |  | 62 |
Total other consumer | 101,965 |  |  | 97,832 |  |  | 88,910 |  |  | 33,188 |  |  | 20,919 |  |  | 64,263 |  |  | 870 |  | — |  |  | 407,947 |
Year-to-date gross charge-offs | 157 |  |  | 242 |  |  | 300 |  |  | 127 |  |  | 1 |  |  | 182 |  |  | — |  | — |  |  | 1,009 |
Total Loans | $ | 588,038 |  |  | $ | 700,374 |  |  | $ | 973,997 |  |  | $ | 420,019 |  |  | $ | 256,915 |  |  | $ | 1,124,585 |  |  | $ | 79,127 |  | $ | 911 |  |  | $ | 4,143,966 |
Total year-to-date gross charge-offs | $ | 1,250 |  |  | $ | 6,013 |  |  | $ | 3,439 |  |  | $ | 1,047 |  |  | $ | 620 |  |  | $ | 901 |  |  | $ | — |  | $ | — |  |  | $ | 13,270 |
Past Due Financing Receivables | The following tables present the Company’s loan portfolio delinquency analysis, including nonaccrual loans, as of December 31, 2025 and December 31, 2024.
|  | December 31, 2025
|  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Current |  | Total loans
Commercial and industrial |  | $ | 515 |  | $ | 200 |  | $ | — |  | $ | 715 |  | $ | 220,999 |  | $ | 221,714
Owner-occupied commercial real estate |  | — |  | — |  | — |  | — |  | 48,575 |  | 48,575
Investor commercial real estate |  | — |  | — |  | — |  | — |  | 647,394 |  | 647,394
Construction |  | — |  | — |  | — |  | — |  | 372,668 |  | 372,668
Single tenant lease financing |  | — |  | — |  | — |  | — |  | 222,925 |  | 222,925
Public finance |  | — |  | — |  | — |  | — |  | 442,234 |  | 442,234
Healthcare finance |  | — |  | — |  | 1,150 |  | 1,150 |  | 138,319 |  | 139,469
Small business lending |  | 20,325 |  | 4,277 |  | 9,445 |  | 34,047 |  | 395,977 |  | 430,024
Franchise finance |  | 11,641 |  | 1,110 |  | 24,912 |  | 37,663 |  | 379,382 |  | 417,045
Residential mortgage |  | — |  | 3,079 |  | 4,622 |  | 7,701 |  | 335,409 |  | 343,110
Home equity |  | — |  | — |  | — |  | — |  | 14,725 |  | 14,725
Other consumer |  | 243 |  | 102 |  | 141 |  | 486 |  | 424,972 |  | 425,458
Total |  | $ | 32,724 |  | $ | 8,768 |  | $ | 40,270 |  | $ | 81,762 |  | $ | 3,643,579 |  | $ | 3,725,341
|  | December 31, 2024
|  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Current |  | Total loans
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 120,175 |  |  | $ | 120,175 |
Owner-occupied commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 53,591 |  |  | 53,591 |
Investor commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 269,431 |  |  | 269,431 |
Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | 413,523 |  |  | 413,523 |
Single tenant lease financing |  | — |  |  | — |  |  | — |  |  | — |  |  | 949,748 |  |  | 949,748 |
Public finance |  | — |  |  | — |  |  | — |  |  | — |  |  | 485,867 |  |  | 485,867 |
Healthcare finance |  | — |  |  | — |  |  | — |  |  | — |  |  | 181,427 |  |  | 181,427 |
Small business lending |  | 11,817 |  |  | 1,310 |  |  | 5,587 |  |  | 18,714 |  |  | 313,200 |  |  | 331,914 |
Franchise finance |  | 9,431 |  |  | 3,279 |  |  | 9,849 |  |  | 22,559 |  |  | 514,350 |  |  | 536,909 |
Residential mortgage |  | 648 |  |  | 1,711 |  |  | 3,815 |  |  | 6,174 |  |  | 368,986 |  |  | 375,160 |
Home equity |  | — |  |  | — |  |  | — |  |  | — |  |  | 18,274 |  |  | 18,274 |
Other consumer |  | 194 |  |  | 196 |  |  | 27 |  |  | 417 |  |  | 407,530 |  |  | 407,947 |
Total |  | $ | 22,090 |  |  | $ | 6,496 |  |  | $ | 19,278 |  |  | $ | 47,864 |  |  | $ | 4,096,102 |  |  | $ | 4,143,966 |
Loans are reclassified to non-accruing status when, in management’s judgment, the collateral value and financial condition of the borrower do not justify accruing interest. At the time the accrual is discontinued, all unpaid accrued interest is reversed against earnings. Interest income accrued in prior years, if any, is charged to the ACL. Payments subsequently received on nonaccrual loans are applied to principal. A loan is returned to accrual status when principal and interest are no longer past due and collectability is probable, typically after a minimum of nine consecutive months of performance. The following table summarizes the Company’s nonaccrual loans and loans past due 90 days or more and still accruing by loan class for the periods indicated:
|  | December 31, 2025 |  | December 31, 2024
|  | Total Nonaccrual Loans |  | Nonaccrual Loans with no Allowance for Credit Losses |  | Total Loans 90 Days or More Past Due and Accruing |  | Total Nonaccrual Loans |  | Nonaccrual Loans with no Allowance for Credit Losses |  | Total Loans 90 Days or More Past Due and Accruing
Commercial and industrial |  | $ | 240 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Single tenant lease financing |  | 1,665 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Healthcare finance |  | 2,596 |  |  | 2,596 |  |  | — |  |  | — |  |  | — |  |  | — |
Small business lending |  | 19,781 |  |  | 18,928 |  |  | — |  |  | 11,429 |  |  | 4,778 |  |  | 1,320 |
Franchise finance |  | 26,978 |  |  | 4,463 |  |  | 1,144 |  |  | 10,382 |  |  | — |  |  | — |
Residential mortgage |  | 4,893 |  |  | 4,893 |  |  | 1,007 |  |  | 4,083 |  |  | 4,083 |  |  | 1,142 |
Other consumer |  | 234 |  |  | 234 |  |  | — |  |  | 61 |  |  | 61 |  |  | 4 |
Total loans |  | $ | 56,387 |  |  | $ | 31,114 |  |  | $ | 2,151 |  |  | $ | 25,955 |  |  | $ | 8,922 |  |  | $ | 2,466 |
Collateral Dependent Loans | The following tables present the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses as of December 31, 2025 and December 31, 2024.
|  | December 31, 2025
|  | Commercial Real Estate |  | Residential Real Estate |  | Other (Includes Equipment, Machinery and Other Assets) |  | Total |  | Allowance on Collateral Dependent Loans
Owner-occupied commercial real estate |  | $ | 1,654 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,654 |  |  | $ | — |
Small business lending 1 |  | 6,732 |  |  | — |  |  | 7,681 |  |  | 14,413 |  |  | 411 |
Residential mortgage |  | — |  |  | 4,893 |  |  | — |  |  | 4,893 |  |  | — |
Other consumer loans |  | — |  |  | — |  |  | 234 |  |  | 234 |  |  | — |
Total loans |  | $ | 8,386 |  |  | $ | 4,893 |  |  | $ | 7,915 |  |  | $ | 21,194 |  |  | $ | 411 |
1 Balance includes $8.5 million of loans guaranteed by the U.S. government.
|  | December 31, 2024 |  |  |  |
|  | Commercial Real Estate |  | Residential Real Estate |  | Other (Includes Equipment, Machinery and Other Assets) |  | Total |  | Allowance on Collateral Dependent Loans |  |  |  |
Owner-occupied commercial real estate |  | $ | 1,654 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,654 |  |  | $ | — |  |  |  |  |
Small business lending 1 |  | 723 |  |  | — |  |  | 8,571 |  |  | 9,294 |  |  | 4,167 |  |  |  |  |
Franchise finance |  | — |  |  | — |  |  | 3,468 |  |  | 3,468 |  |  | 679 |  |  |  |  |
Residential mortgage |  | — |  |  | 4,083 |  |  | — |  |  | 4,083 |  |  | — |  |  |  |  |
Other consumer loans |  | — |  |  | — |  |  | 22 |  |  | 22 |  |  | — |  |  |  |  |
Total loans |  | $ | 2,377 |  |  | $ | 4,083 |  |  | $ | 12,061 |  |  | $ | 18,521 |  |  | $ | 4,846 |  |  |  |  |
1 Balance includes $3.5 million of loans guaranteed by the U.S. government.
Loans Experiencing Financial Difficulty and Modified | The following tables present loans that were both experiencing financial difficulty and modified during the twelve months ended December 31, 2025 and December 31, 2024.
|  | Twelve Months Ended December 31, 2025
|  | Other-Than-Insignificant Payment Delay |  |  |  | Total Modification by Loan Class |  | % of Class of Loans
Commercial and industrial |  | $ | 350 |  |  |  |  | $ | 350 |  |  | 0.2 | %
Single tenant lease financing |  | 4,672 |  |  |  |  | 4,672 |  |  | 2.1 | %
Healthcare finance |  | 2,726 |  |  |  |  | 2,726 |  |  | 2.0 | %
Small business lending |  | 3,022 |  |  |  |  | 3,022 |  |  | 0.7 | %
Franchise finance |  | 510 |  |  |  |  | 510 |  |  | 0.1 | %
Total loans |  | $ | 11,280 |  |  |  |  | $ | 11,280 |  |  |
|  | Twelve Months Ended December 31, 2024
|  | Other-Than-Insignificant Payment Delay |  |  |  | Total Modification by Loan Class |  | % of Class of Loans
Investor commercial real estate |  | $ | 3,731 |  |  |  |  | $ | 3,731 |  |  | 1.4 | %
Franchise finance |  | 5,566 |  |  |  |  | 5,566 |  |  | 1.0 | %
Total loans |  | $ | 9,297 |  |  |  |  | $ | 9,297 |  |  |
Performance of Loans Modified in the Last Twelve Months | The following tables present the performance of such loans that have been modified in the last twelve months as of December 31, 2025 and December 31, 2024.
|  | Twelve Months Ended December 31, 2025
|  | Current |  |  |  | 30 - 89 Days Past Due |  | 90+ Days Past Due
Commercial and industrial |  | $ | 350 |  |  |  |  | $ | — |  |  | $ | — |
Single tenant lease financing |  | 4,672 |  |  |  |  | — |  |  | — |
Healthcare finance |  | 1,280 |  |  |  |  | 1,446 |  |  | — |
Small business lending |  | 3,022 |  |  |  |  | — |  |  | — |
Franchise finance |  | 510 |  |  |  |  | — |  |  | — |
Total loans |  | $ | 9,834 |  |  |  |  | $ | 1,446 |  |  | $ | — |
|  | Twelve Months Ended December 31, 2024
|  | Current |  |  |  | 30 - 89 Days Past Due |  | 90+ Days Past Due
Investor commercial real estate |  | $ | 3,731 |  |  |  |  | $ | — |  |  | $ | — |
Franchise finance |  | 5,566 |  |  |  |  | — |  |  | — |
Total loans |  | $ | 9,297 |  |  |  |  | $ | — |  |  | $ | — |

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