The following presents the Company’s financial instruments whose contract amounts represent credit risk, as of the dates noted: | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | December 31, 2025 | | (dollars in thousands) | Fixed Rate | | Variable Rate | | Fixed Rate | | Variable Rate | | Unused lines of credit | $ | 54,197 | | | $ | 514,966 | | | $ | 45,982 | | | $ | 506,809 | | | Standby letters of credit | 10,987 | | | 5,899 | | | 10,845 | | | 11,665 | | | Commitments to make loans to sell | 43,537 | | | — | | | 38,378 | | | — | | | Commitments to make loans | 37,205 | | | 18,497 | | | 20,316 | | | 20,212 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended June 30, | | Six Months Ended June 30, | | (dollars in thousands) | | 2026 | | 2025 | | 2026 | | 2025 | | Beginning balance | | $ | 624 | | | $ | 560 | | | $ | 701 | | | $ | 672 | | | (Release of) provision for credit losses | | (29) | | | 78 | | | (106) | | | (34) | | | Ending balance | | $ | 595 | | | $ | 638 | | | $ | 595 | | | $ | 638 | |
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