
	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
September 30, 2025	Construction				Single-family						Commercial					Consumer
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		& Credit Cards		Automobile		Total

Balance, beginning of year	$	40	$	16	$	1,529	$	224	$	507	$	272	$	38	$	45	$	168	$	2,839
Charge-offs		—		—		—		—		—		—		—		(23)		(249)		(272)
Recoveries		—		—		—		—		—		—		—		—		129		129
(Release) provision for credit losses		(17)		(5)		(121)		(163)		(180)		198		(8)		14		154		(128)

Balance, end of quarter	$	23	$	11	$	1,408	$	61	$	327	$	470	$	30	$	36	$	202	$	2,568

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Related loan balance		—		—		979		—		841		—		454		—		203		2,477

Collectively evaluated for impairment:
Balance in allowance	$	23	$	11	$	1,408	$	61	$	327	$	470	$	30	$	36	$	202	$	2,568
Related loan balance		4,480		308		102,461		4,909		46,113		25,679		5,008		2,602		21,283		212,843


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
December 31, 2024	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Balance, beginning of year	$	31	$	18	$	1,290	$	96	$	190	$	304	$	21	$	30	$	177	$	2,157
Charge-offs		—		—		—		—		—		—		(299)		(18)		(67)		(384)
Recoveries		—		—		—		—		—		—		—		133		89		222
Provision (release) for credit losses		9		(2)		239		128		317		(32)		316		(100)		(31)		844

Balance, end of the year	$	40	$	16	$	1,529	$	224	$	507	$	272	$	38	$	45	$	168	$	2,839

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	18	$	—	$	—	$	121	$	—	$	—	$	—	$	139
Related loan balance		—		—		26		—		—		773		—		—		—		799

Collectively evaluated for impairment:
Balance in allowance	$	40	$	16	$	1,511	$	224	$	507	$	151	$	38	$	45	$	168	$	2,700
Related loan balance		8,882		315		98,967		5,022		48,726		15,932		5,691		2,880		18,005		204,420


	Gross Charge-offs
September 30, 2025		Term Loans by Origination Year
(dollars in thousands)														Revolving
	2025		2024		2023		2022		2021		Prior		Loans		Total
Consumer Loans
Consumer	$	—	$	23	$	—	$	—	$	—	$	—	$	—	$	23
Automobile		—		135		—		24		22		68		—		249
Total Consumer		—		158		—		24		22		68		—		272

Total gross charge-offs this period	$	—	$	158	$	—	$	24	$	22	$	68	$	—	$	272


	Gross Charge-offs
December 31, 2024		Term Loans by Origination Year
(dollars in thousands)														Revolving
	2024		2023		2022		2021		2020		Prior		Loans		Total
Commercial and Industrial Loans
Commercial and industrial	$	—	$	—	$	—	$	299	$	—	$	—	$	—	$	299

Consumer Loans
Consumer	$	—	$	—	$	13	$	—	$	—	$	5	$	—	$	18
Automobile		—		—		—		—		51		16		—		67
Total Consumer		—		—		13		—		51		21		—		85

Total gross charge-offs this period	$	—	$	—	$	13	$	299	$	51	$	21	$	—	$	384


At September 30, 2025					90 Days or
(dollars in thousands)			30-89 Days		More and
	Current		Past Due		Still Accruing		Nonaccrual		Total
Loans Secured by Real Estate
Construction and land	$	4,480	$	—	$	—	$	—	$	4,480
Farmland		308		—		—		—		308
Single-family residential		102,499		51		—		890		103,440
Multi-family		4,909		—		—		—		4,909
Commercial		46,812		31		—		111		46,954
Total loans secured by real estate		159,008		82		—		1,001		160,091
Commercial and Industrial
Commercial and industrial		25,679		—		—		—		25,679
SBA guaranty		5,462		—		—		—		5,462
Total commercial and industrial loans		31,141		—		—		—		31,141
Consumer Loans
Consumer		2,532		39		—		—		2,571
Automobile		20,777		509		—		200		21,486
Total consumer loans		23,340		548		—		200		24,088

	$	213,489	$	630	$	—	$	1,201	$	215,320


At December 31, 2024					90 Days or
(dollars in thousands)			30-89 Days		More and
	Current		Past Due		Still Accruing		Nonaccrual		Total
Loans Secured by Real Estate
Construction and land	$	8,882	$	—	$	—	$	—	$	8,882
Farmland		315		—		—		—		315
Single-family residential		97,742		1,102		—		149		98,993
Multi-family		5,022		—		—		—		5,022
Commercial		48,602		—		—		124		48,726
Total loans secured by real estate		160,563		1,102		—		273		161,938
Commercial and Industrial
Commercial and industrial		16,233		472		—		—		16,705
SBA guaranty		5,691		—		—		—		5,691
Total commercial and industrial loans		21,924		472		—		—		22,396
Consumer Loans
Consumer		2,879		1		—		—		2,880
Automobile		17,613		305		—		87		18,005
Total consumer loans		20,492		306		—		87		20,885

	$	202,979	$	1,880	$	—	$	360	$	205,219


	September 30,			December 31,
(dollars in thousands)	2025			2024

Restructured loans to borrowers with financial difficulty	$	114		$	26
Non-accrual and 90+ days past due and still accruing loans to average loans		0.56	%		0.19	%
Allowance for credit losses to nonaccrual & 90+ days past due and still accruing loans		213.9	%		789.1	%


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
September 30, 2025	Construction				Single-family						Commercial					Consumer
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		& credit card		Automobile		Total

Pass	$	4,480	$	308	$	102,461	$	4,909	$	46,113	$	25,679	$	5,008	$	2,602	$	21,283	$	212,843
Special mention		—		—		—		—		—		—		—		—		—		—
Substandard		—		—		979		—		841		—		454		—		203		2,477
Doubtful		—		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—		—

	$	4,480	$	308	$	103,440	$	4,909	$	46,954	$	25,679	$	5,462	$	2,602	$	21,486	$	215,320

Nonaccrual	$	—	$	—	$	890	$	—	$	111	$	—	$	—	$	—	$	200	$	1,201
Restructured loans to borrowers with financial difficulty	$	—	$	—	$	23	$	—	$	91	$	—	$	—	$	—	$	—	$	114
Number restructured loans to borrowers with financial difficulty		—		—		1		—		1		—		—		—		—		2
Non-performing restructured loans to borrowers with financial difficulty	$	—	$	—	$	23	$	—	$	—	$	—	$	—	$	—	$	—	$	23
Number of non-performing restructured loan accounts		—		—		1		—		—		—		—		—		—		1


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
December 31, 2024	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Pass	$	8,882	$	315	$	98,844	$	5,022	$	47,829	$	16,705	$	5,219	$	2,880	$	17,918	$	203,614
Special mention		—		—		—		—		—		—		472		—		—		472
Substandard		—		—		149		—		897		—		—		—		87		1,133
Doubtful		—		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—		—

	$	8,882	$	315	$	98,993	$	5,022	$	48,726	$	16,705	$	5,691	$	2,880	$	18,005	$	205,219

Nonaccrual	$	—	$	—	$	149	$	—	$	124	$	—	$	—	$	—	$	87	$	360
Restructured loans to borrowers with financial difficulty	$	—	$	—	$	26	$	—	$	—	$	—	$	—	$	—	$	—	$	26
Number restructured loans to borrowers with financial difficulty		—		—		1		—		—		—		—		—		—		1
Non-performing restructured loans to borrowers with financial difficulty	$	—	$	—	$	26	$	—	$	—	$	—	$	—	$	—	$	—	$	26
Number of non-performing restructured loan accounts		—		—		1		—		—		—		—		—		—		1