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v3.26.1

Loans - Change in the Balances of the ALLL (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2026 | Jun. 30, 2025 | Jun. 30, 2026 | Jun. 30, 2025 | Dec. 31, 2025
Allowance for loan losses: |  |  |  |  |
Beginning balance | $ 56,496 | $ 47,238 | $ 55,686 | $ 44,769 | $ 44,769
Provision for credit losses | 13,508 | 13,596 | 30,114 | 25,717 |
Charge-Offs | (17,328) | (14,448) | (33,668) | (24,289) | (63,089)
Recoveries | 420 | 131 | 964 | 320 |
Ending balance | 53,096 | 46,517 | 53,096 | 46,517 | 55,686
Accrued interest receivable | 24,600 |  | 24,600 |  | 23,100
Commercial and industrial |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 1,903 | 1,360 | 1,942 | 1,265 | 1,265
Provision for credit losses | 197 | 545 | 349 | 638 |
Charge-Offs | (245) | 0 | (447) | 0 |
Recoveries | 5 | 2 | 16 | 4 |
Ending balance | 1,860 | 1,907 | 1,860 | 1,907 | 1,942
Owner-occupied commercial real estate |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 256 | 470 | 264 | 528 | 528
Provision for credit losses | 27 | 2 | 19 | (56) |
Charge-Offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending balance | 283 | 472 | 283 | 472 | 264
Investor commercial real estate |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 2,382 | 859 | 2,255 | 1,149 | 1,149
Provision for credit losses | (22) | 750 | 105 | 460 |
Charge-Offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending balance | 2,360 | 1,609 | 2,360 | 1,609 | 2,255
Construction |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 2,736 | 2,167 | 2,446 | 1,984 | 1,984
Provision for credit losses | 5 | (396) | 295 | (213) |
Charge-Offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending balance | 2,741 | 1,771 | 2,741 | 1,771 | 2,446
Single tenant lease financing |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 1,007 | 4,313 | 816 | 4,782 | 4,782
Provision for credit losses | 45 | 133 | 236 | (336) |
Charge-Offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending balance | 1,052 | 4,446 | 1,052 | 4,446 | 816
Public finance |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 394 | 529 | 411 | 703 | 703
Provision for credit losses | (10) | (7) | (27) | (181) |
Charge-Offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending balance | 384 | 522 | 384 | 522 | 411
Healthcare finance |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 368 | 1,310 | 605 | 1,412 | 1,412
Provision for credit losses | (44) | (111) | (243) | (213) |
Charge-Offs | 0 | 0 | (38) | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending balance | 324 | 1,199 | 324 | 1,199 | 605
Small business lending |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 25,875 | 17,555 | 27,796 | 16,161 | 16,161
Provision for credit losses | 4,061 | 7,978 | 11,180 | 12,908 |
Charge-Offs | (5,037) | (11,851) | (14,437) | (15,520) |
Recoveries | 236 | 40 | 596 | 173 |
Ending balance | 25,135 | 13,722 | 25,135 | 13,722 | 27,796
Franchise finance |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 16,558 | 11,200 | 14,028 | 8,976 | 8,976
Provision for credit losses | 9,058 | 4,102 | 17,571 | 12,174 |
Charge-Offs | (11,706) | (2,238) | (17,753) | (8,086) |
Recoveries | 145 | 18 | 209 | 18 |
Ending balance | 14,055 | 13,082 | 14,055 | 13,082 | 14,028
Residential mortgage |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 2,169 | 1,890 | 2,142 | 2,136 | 2,136
Provision for credit losses | (184) | 32 | (77) | (209) |
Charge-Offs | (2) | 0 | (82) | (11) |
Recoveries | 2 | 1 | 2 | 7 |
Ending balance | 1,985 | 1,923 | 1,985 | 1,923 | 2,142
Home equity |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 35 | 96 | 38 | 106 | 106
Provision for credit losses | (4) | (5) | (8) | (17) |
Charge-Offs | 0 | 0 | 0 | 0 |
Recoveries | 1 | 1 | 2 | 3 |
Ending balance | 32 | 92 | 32 | 92 | 38
Other consumer loans |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 2,813 | 5,489 | 2,943 | 5,567 | 5,567
Provision for credit losses | 379 | 573 | 714 | 762 |
Charge-Offs | (338) | (359) | (911) | (672) |
Recoveries | 31 | 69 | 139 | 115 |
Ending balance | $ 2,885 | $ 5,772 | $ 2,885 | $ 5,772 | $ 2,943

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