In accordance with ASC 326, the Company is required to measure the allowance for credit losses of financial assets with similar risk characteristics on a collective or pooled basis. In considering the segmentation of financial assets measured at amortized cost into pools, the Company considered various risk characteristics in its analysis. Generally, the segmentation utilized represents the level at which the Company develops and documents its systematic methodology to determine the allowance for credit losses for the financial assets held at amortized cost, specifically the Company's loan portfolio and debt securities classified as held-to-maturity. Descriptions of the Company’s loan portfolio segments and major debt security types are included in Note (5) “Allowance for Credit Losses” of the 2025 Form 10-K.

In accordance with ASC 326, the Company elected to not measure an allowance for credit losses on accrued interest. As such accrued interest is written off in a timely manner when deemed uncollectible. Any such write-off of accrued interest will reverse previously recognized interest income. In addition, the Company elected to not include accrued interest within presentation and disclosures of the carrying amount of financial assets held at amortized cost. This election is applicable to the various disclosures included within the Company's financial statements. Accrued interest related to financial assets held at amortized cost is included within accrued interest receivable and other assets within the Company's Consolidated Statements of Condition and totaled $336.7 million at June 30, 2026, $312.2 million at December 31, 2025, and $341.3 million at June 30, 2025.


As of June 30, 2026			90+ days and still accruing		60-89 days past due		30-59 days past due
(In thousands)	Nonaccrual								Current		Total Loans
Loan Balances (includes PCD):






Commercial	$	90,642	$	—	$	14,851	$	38,292	$	18,137,526	$	18,281,311

Commercial real estate
Construction and development	859		—		5,179		1,055		2,648,572		2,655,665
Non-construction	16,361		—		9,700		59,396		11,529,485		11,614,942







Home equity	1,177		—		690		878		489,037		491,782

Residential real estate, excluding early buy-out loans	25,910		—		3,310		—		4,382,137		4,411,357


Premium finance receivables—property & casualty	28,061		16,003		18,198		25,864		8,523,897		8,612,023
Premium finance receivables—life insurance	—		—		2,908		8,606		9,301,007		9,312,521

Consumer and other	113		145		195		1,253		142,305		144,011
Total loans, net of unearned income, excluding early buy-out loans	$	163,123	$	16,148	$	55,031	$	135,344	$	55,153,966	$	55,523,612
Early buy-out loans guaranteed by U.S. government agencies (1)	—		53,895		310		—		77,130		131,335
Total loans, net of unearned income	$	163,123	$	70,043	$	55,341	$	135,344	$	55,231,096	$	55,654,947


As of December 31, 2025			90+ days and still accruing		60-89 days past due		30-59 days past due
(In thousands)	Nonaccrual								Current		Total Loans
Loan Balances (includes PCD):






Commercial	$	78,059	$	—	$	22,952	$	90,205	$	16,853,470	$	17,044,686

Commercial real estate
Construction and development	2,976		—		1,260		13,456		2,391,890		2,409,582
Non-construction	22,171		—		18,269		52,145		11,438,569		11,531,154







Home equity	1,221		—		1,112		2,818		475,374		480,525

Residential real estate, excluding early buy-out loans	32,862		—		7,562		24,908		4,106,107		4,171,439

Premium finance receivables—property & casualty	29,354		19,115		29,294		57,685		8,047,968		8,183,416
Premium finance receivables—life insurance	—		—		13,887		22,806		8,986,949		9,023,642

Consumer and other	8		42		466		643		113,705		114,864
Total loans, net of unearned income, excluding early buy-out loans	$	166,651	$	19,157	$	94,802	$	264,666	$	52,414,032	$	52,959,308
Early buy-out loans guaranteed by U.S. government agencies (1)	—		53,848		204		1,316		90,425		145,793
Total loans, net of unearned income	$	166,651	$	73,005	$	95,006	$	265,982	$	52,504,457	$	53,105,101


As of June 30, 2025			90+ days and still accruing		60-89 days past due		30-59 days past due
(In thousands)	Nonaccrual								Current		Total Loans
Loan Balances (includes PCD):






Commercial	$	80,877	$	—	$	34,855	$	45,103	$	16,226,596	$	16,387,431

Commercial real estate
Construction and development	3,200		—		3,271		1,721		2,520,925		2,529,117
Non-construction	29,628		—		7,986		49,452		10,675,827		10,762,893







Home equity	1,780		—		138		2,971		461,926		466,815

Residential real estate, excluding early buy-out loans	28,047		—		8,954		38		3,777,676		3,814,715

Premium finance receivables—property & casualty	30,404		14,350		25,641		29,460		8,223,321		8,323,176
Premium finance receivables—life insurance	—		327		11,202		34,403		8,461,028		8,506,960

Consumer and other	41		184		61		175		116,044		116,505
Total loans, net of unearned income, excluding early buy-out loans	$	173,977	$	14,861	$	92,108	$	163,323	$	50,463,343	$	50,907,612
Early buy-out loans guaranteed by U.S. government agencies (1)	—		50,639		—		—		83,428		134,067
Total loans, net of unearned income	$	173,977	$	65,500	$	92,108	$	163,323	$	50,546,771	$	51,041,679


	Year of Origination														Revolving		Total
(In thousands)	2026		2025		2024		2023		2022		Prior		Revolving		to Term		Loans
Loan Balances:
Commercial
Pass	$	2,152,472	$	3,215,139	$	2,295,924	$	1,333,934	$	882,274	$	1,535,672	$	6,090,869	$	13,762	$	17,520,046
Special mention	20,169		49,588		51,607		31,485		7,196		17,440		266,708		2,570		446,763
Substandard accrual	3,071		10,862		31,080		36,158		16,126		54,480		70,845		1,238		223,860
Substandard nonaccrual/doubtful	1,835		4,401		14,461		9,692		32,440		26,427		1,086		300		90,642
Total commercial, industrial and other	$	2,177,547	$	3,279,990	$	2,393,072	$	1,411,269	$	938,036	$	1,634,019	$	6,429,508	$	17,870	$	18,281,311
Construction and development
Pass	$	128,750	$	539,684	$	647,848	$	408,452	$	518,701	$	111,359	$	15,325	$	—	$	2,370,119
Special mention	—		—		38,846		68,902		99,672		1,441		—		—		208,861
Substandard accrual	—		—		—		16,044		18,996		40,786		—		—		75,826
Substandard nonaccrual/doubtful	—		—		—		—		—		859		—		—		859
Total construction and development	$	128,750	$	539,684	$	686,694	$	493,398	$	637,369	$	154,445	$	15,325	$	—	$	2,655,665
Non-construction
Pass	$	1,276,676	$	2,191,251	$	1,142,845	$	1,017,381	$	1,500,254	$	3,855,632	$	191,227	$	627	$	11,175,893
Special mention	89,190		10,198		2,338		27,355		53,163		73,766		—		—		256,010
Substandard accrual	—		—		21,050		44,971		49,375		51,282		—		—		166,678
Substandard nonaccrual/doubtful	—		—		—		1,299		690		14,372		—		—		16,361
Total non-construction	$	1,365,866	$	2,201,449	$	1,166,233	$	1,091,006	$	1,603,482	$	3,995,052	$	191,227	$	627	$	11,614,942
Home equity
Pass	$	—	$	99	$	413	$	191	$	215	$	21,567	$	450,013	$	4,627	$	477,125
Special mention	—		—		9		—		96		1,144		6,538		106		7,893
Substandard accrual	—		—		10		14		100		3,666		1,700		97		5,587
Substandard nonaccrual/doubtful	—		—		—		101		110		966		—		—		1,177
Total home equity	$	—	$	99	$	432	$	306	$	521	$	27,343	$	458,251	$	4,830	$	491,782
Residential real estate
Early buy-out loans guaranteed by U.S. government agencies	$	—	$	665	$	10,382	$	9,994	$	7,590	$	102,704	$	—	$	—	$	131,335
Pass	598,295		1,040,503		586,854		353,176		714,441		1,059,417		—		—		4,352,686
Special mention	164		422		915		1,912		5,830		10,087		—		—		19,330


Substandard accrual	—		296		230		1,013		6,012		5,880		—		—		13,431
Substandard nonaccrual/doubtful	—		824		4,241		5,268		5,362		10,215		—		—		25,910
Total residential real estate	$	598,459	$	1,042,710	$	602,622	$	371,363	$	739,235	$	1,188,303	$	—	$	—	$	4,542,692
Premium finance receivables - property and casualty
Pass	$	7,099,697	$	1,372,618	$	5,538	$	2	$	2	$	—	$	—	$	—	$	8,477,857
Special mention	72,227		22,195		20		—		—		—		—		—		94,442
Substandard accrual	5,717		5,945		—		—		1		—		—		—		11,663
Substandard nonaccrual/doubtful	5,285		22,168		607		—		1		—		—		—		28,061
Total premium finance receivables - property and casualty	$	7,182,926	$	1,422,926	$	6,165	$	2	$	4	$	—	$	—	$	—	$	8,612,023
Premium finance receivables - life (1)
Pass	$	189,686	$	718,134	$	776,625	$	591,784	$	811,692	$	6,224,600	$	—	$	—	$	9,312,521
Special mention	—		—		—		—				—		—		—		—
Substandard accrual	—		—		—		—		—		—		—		—		—
Substandard nonaccrual/doubtful	—		—		—		—		—		—		—		—		—
Total premium finance receivables - life	$	189,686	$	718,134	$	776,625	$	591,784	$	811,692	$	6,224,600	$	—	$	—	$	9,312,521
Consumer and other
Pass	$	3,192	$	3,608	$	1,237	$	1,310	$	120	$	45,268	$	88,902	$	—	$	143,637
Special mention	12		89		10		29		77		—		11		—		228
Substandard accrual	—		14		—		6		—		8		5		—		33
Substandard nonaccrual/doubtful	—		—		6		—		—		107		—		—		113
Total consumer and other	$	3,204	$	3,711	$	1,253	$	1,345	$	197	$	45,383	$	88,918	$	—	$	144,011
Total loans
Early buy-out loans guaranteed by U.S. government agencies	$	—	$	665	$	10,382	$	9,994	$	7,590	$	102,704	$	—	$	—	$	131,335
Pass	11,448,768		9,081,036		5,457,284		3,706,230		4,427,699		12,853,515		6,836,336		19,016		53,829,884
Special mention	181,762		82,492		93,745		129,683		166,034		103,878		273,257		2,676		1,033,527
Substandard accrual	8,788		17,117		52,370		98,206		90,610		156,102		72,550		1,335		497,078
Substandard nonaccrual/doubtful	7,120		27,393		19,315		16,360		38,603		52,946		1,086		300		163,123
Total loans	$	11,646,438	$	9,208,703	$	5,633,096	$	3,960,473	$	4,730,536	$	13,269,145	$	7,183,229	$	23,327	$	55,654,947
Gross write offs
Three months ended June 30, 2026	$	282	$	6,546	$	3,301	$	3,898	$	1,409	$	1,846	$	—	$	—	$	17,282
Six months ended June 30, 2026	$	492	$	14,819	$	5,354	$	7,024	$	5,572	$	7,670	$	—	$	—	$	40,931

The Company conducts an assessment of its investment securities, including those classified as held-to-maturity, at the time of purchase and on at least an annual basis to ensure such investment securities remain within appropriate levels of risk and continue to perform satisfactorily in fulfilling its obligations. The Company considers, among other factors, the nature of the securities and credit ratings or financial condition of the issuer. If available, the Company obtains a credit rating for issuers from a Nationally Recognized Statistical Rating Organization (“NRSRO”) for consideration. If no such rating is available for an issuer, the Company performs an internal rating based on the scale utilized within the loan portfolio. For purposes of the table below, the Company has converted any issuer rating from an NRSRO into the Company’s internal ratings based on Investment Policy and review by the Company’s management.


As of June 30, 2026	Year of Origination												Total
(In thousands)	2026		2025		2024		2023		2022		Prior		Balance
Amortized Cost Balances:
U.S. government agencies
1-4 internal grade	$	—	$	—	$	—	$	—	$	135,000	$	178,542	$	313,542
5-7 internal grade	—		—		—		—		—		—		—
8-10 internal grade	—		—		—		—		—		—		—
Total U.S. government agencies	$	—	$	—	$	—	$	—	$	135,000	$	178,542	$	313,542
Municipal
1-4 internal grade	$	—	$	—	$	—	$	3,912	$	1,024	$	127,411	$	132,347
5-7 internal grade	—		—		—		—		—		1,887		1,887
8-10 internal grade	—		—		—		—		—		—		—
Total municipal	$	—	$	—	$	—	$	3,912	$	1,024	$	129,298	$	134,234
Mortgage-backed securities
1-4 internal grade	$	—	$	—	$	—	$	231,861	$	451,515	$	2,039,538	$	2,722,914
5-7 internal grade	—		—		—		—		—		—		—
8-10 internal grade	—		—		—		—		—		—		—
Total mortgage-backed securities	$	—	$	—	$	—	$	231,861	$	451,515	$	2,039,538	$	2,722,914
Corporate notes
1-4 internal grade	$	—	$	—	$	—	$	—	$	4,975	$	21,007	$	25,982
5-7 internal grade	—		—		—		—		—		—		—
8-10 internal grade	—		—		—		—		—		—		—
Total corporate notes	$	—	$	—	$	—	$	—	$	4,975	$	21,007	$	25,982
Total held-to-maturity securities													$	3,196,672
Less: Allowance for credit losses													(220)
Held-to-maturity securities, net of allowance for credit losses													$	3,196,452

The Company's allowance for credit losses consists of the allowance for loan losses, the allowance for unfunded commitment losses and the allowance for held-to-maturity debt security losses. In accordance with ASC 326, the Company measures the allowance for credit losses at the time of origination or purchase of a financial asset, representing an estimate of lifetime expected credit losses on the related asset. When developing its estimate, the Company considers available information relevant to assessing the collectability of cash flows, from both internal and external sources. Historical credit loss experience is one input in the estimation process as well as inputs relevant to current conditions and reasonable and supportable forecasts. In considering past events, the Company considers the relevance, or lack thereof, of historical information due to changes in such things as financial asset underwriting or collection practices, and changes in portfolio mix due to changing business plans and strategies. In considering current conditions and forecasts, the Company considers both the current economic environment and the forecasted direction of the economic environment with emphasis on those factors deemed relevant to or driving changes in expected credit losses. As significant judgment is required, the review of the appropriateness of the allowance for credit losses is performed quarterly by various committees with participation by the Company's executive management.

The allowance for credit losses is measured on a collective or pooled basis when similar risk characteristics exist, based upon the segmentation discussed above. The Company utilizes modeling methodologies that estimate lifetime credit loss rates on each pool. These methodologies include estimating the probability of default and loss given default on the commercial and commercial real estate segments, using the weighted-average remaining maturity methodology for the residential real estate, home equity, and consumer segments, and utilizing an assumption-based approach focusing on historical loss rates for the premium finance receivables segments. Historical credit loss history is adjusted for reasonable and supportable forecasts developed by the Company on a quantitative or qualitative basis and incorporates third party economic forecasts. Reasonable

and supportable forecasts consider the macroeconomic factors that are most relevant to evaluating and predicting expected credit losses in the Company's financial assets. Currently, the Company utilizes an eight quarter forecast period using a single macroeconomic scenario provided by a third party and reviewed for potential adjustments within the Company's governance structure. For periods beyond the ability to develop reasonable and supportable forecasts, the Company reverts to historical loss rates at an input level, straight-line over a four quarter reversion period. Expected credit losses are measured over the contractual term of the financial asset with consideration of expected prepayments. Expected extensions, renewals or modifications of the financial asset are considered when the expected extension, renewal or modification is contained within the existing agreement and is not unconditionally cancelable. The methodologies discussed above are applied to both current asset balances on the Company's Consolidated Statements of Condition and off-balance sheet commitments (i.e. unfunded lending-related commitments).

Assets that do not share similar risk characteristics with a pool are assessed for the allowance for credit losses on an individual basis. These typically include assets experiencing financial difficulties, including assets rated as substandard nonaccrual and doubtful. If foreclosure is probable or the asset is considered collateral-dependent, expected credit losses are measured based upon the fair value of the underlying collateral adjusted for selling costs, if appropriate. Underlying collateral across the Company's segments consist primarily of real estate, land and construction assets as well as general business assets of the borrower. As of June 30, 2026, excluding loans carried at fair value, substandard nonaccrual loans totaling $72.4 million in carrying balance had no related allowance for credit losses.


Three months ended June 30, 2026			Commercial Real Estate		Home Equity		Residential Real Estate		Premium Finance Receivables		Consumer and Other		Total Loans
(In thousands)	Commercial

Allowance for credit losses at beginning of period	$	210,959	$	224,870	$	10,213	$	13,081	$	11,391	$	820	$	471,334

Other adjustments	—		—		—		—		(90)		—		(90)
Charge-offs	(10,837)		(707)		—		(163)		(5,403)		(172)		(17,282)
Recoveries	1,710		5		16		1		2,076		28		3,836
Provision for credit losses	32,977		(14,220)		(225)		338		3,978		323		23,171




Allowance for credit losses at period end	$	234,809	$	209,948	$	10,004	$	13,257	$	11,952	$	999	$	480,969
By measurement method:
Individually measured	$	29,418	$	2,111	$	—	$	119	$	—	$	6	$	31,654
Collectively measured	205,391		207,837		10,004		13,138		11,952		993		449,315

Loans at period end
Individually measured	$	90,642	$	17,220	$	1,177	$	25,803	$	—	$	113	$	134,955
Collectively measured	18,190,669		14,253,387		490,605		4,379,216		17,924,544		143,898		55,382,319

Loans held at fair value	—		—		—		137,673		—		—		137,673


Three months ended June 30, 2025	Commercial		Commercial Real Estate		Home Equity		Residential Real Estate		Premium Finance Receivables		Consumer and Other		Total Loans
(In thousands)

Allowance for credit losses at beginning of period	$	201,183	$	210,010	$	9,139	$	10,652	$	16,039	$	918	$	447,941

Other adjustments	—		—		—		—		180		—		180

Charge-offs	(6,148)		(5,711)		(111)		—		(6,346)		(179)		(18,495)
Recoveries	1,746		10		30		2		3,335		32		5,155
Provision for credit losses	(2,213)		20,049		163		801		3,404		78		22,282


Allowance for credit losses at period end	$	194,568	$	224,358	$	9,221	$	11,455	$	16,612	$	849	$	457,063
By measurement method:
Individually measured	$	35,129	$	8,127	$	—	$	103	$	—	$	4	$	43,363
Collectively measured	159,439		216,231		9,221		11,352		16,612		845		413,700

Loans at period end
Individually measured	$	80,877	$	32,828	$	1,780	$	27,960	$	—	$	41	$	143,486
Collectively measured	16,306,554		13,259,182		465,035		3,783,938		16,830,136		116,464		50,761,309

Loans held at fair value	—		—		—		136,884		—		—		136,884


Six months ended June 30, 2026			Commercial Real Estate		Home Equity		Residential Real Estate		Premium Finance Receivables		Consumer and Other		Total Loans
(In thousands)	Commercial

Allowance for credit losses at beginning of period	$	178,545	$	246,933	$	10,402	$	12,519	$	11,011	$	795	$	460,205

Other adjustments	—		—		—		—		(140)		—		(140)
Charge-offs	(19,265)		(7,967)		—		(513)		(12,834)		(352)		(40,931)
Recoveries	3,129		11		319		2		5,513		93		9,067
Provision for credit losses	72,400		(29,029)		(717)		1,249		8,402		463		52,768




Allowance for credit losses at period end	$	234,809	$	209,948	$	10,004	$	13,257	$	11,952	$	999	$	480,969


Six months ended June 30, 2025			Commercial Real Estate		Home Equity		Residential Real Estate		Premium Finance Receivables		Consumer and Other		Total Loans
(In thousands)	Commercial

Allowance for credit losses at beginning of period	$	175,837	$	222,856	$	8,943	$	10,335	$	17,820	$	812	$	436,603

Other adjustments	—		—		—		—		184		—		184
Charge-offs	(15,870)		(6,165)		(111)		—		(13,472)		(326)		(35,944)
Recoveries	2,675		22		246		138		6,822		61		9,964
Provision for credit losses	31,926		7,645		143		982		5,258		302		46,256
Allowance for credit losses at period end	$	194,568	$	224,358	$	9,221	$	11,455	$	16,612	$	849	$	457,063

For the three and six months ended June 30, 2026, the Company recognized approximately $23.2 million and $52.8 million of provision for credit losses, respectively, related to loans and lending agreements. The provision for each period was primarily the result of losses experienced in the Commercial and Premium Finance Receivables, growth across various segments, and qualitative overlays related to the uncertainty of future performance of the economy, which was offset by an improved forecast related to CRE Price Index. Net charge-offs in the three and six month periods ended June 30, 2026, totaled $13.4 million and $31.9 million, respectively.

The allowance for credit losses on the Company’s held-to-maturity debt securities is presented as a reduction to the amortized cost basis of held-to-maturity securities on the Company's Consolidated Statements of Condition. For the three and six month periods ended June 30, 2026, the Company recognized approximately $(37,000) and $(40,000), respectively, of provision for credit losses related to held-to-maturity securities. At June 30, 2026, the Company did not identify any held-to-maturity debt securities within its portfolio that would require a charge-off.

The Company’s approach to restructuring or modifying loans is built on its credit risk rating system, which requires credit management personnel to assign a credit risk rating to each loan. In each case, the loan officer is responsible for recommending a credit risk rating for each loan and ensuring the credit risk ratings are appropriate. These credit risk ratings are then reviewed and approved by the bank’s chief credit officer and/or concurrence credit officer. Credit risk ratings are determined by evaluating a number of factors, including a borrower’s financial strength, cash flow coverage, collateral protection and guarantees. The Company’s credit risk rating scale is one through ten with higher scores indicating higher risk. In the case of loans rated six or worse following modification, the Company’s Managed Assets Division evaluates the loan and the credit risk rating and determines that the loan has been restructured to be reasonably assured of repayment and of performance according to the modified terms and is supported by a current, well-documented credit assessment of the borrower’s financial condition and prospects for repayment under the revised terms. Based on the Company’s credit risk rating system, it considers that borrowers whose credit risk rating is 5 or better are not experiencing financial difficulties.

Restructurings may arise when, due to financial difficulties experienced by the borrower, the Company obtains through physical possession one or more collateral assets in satisfaction of all or part of an existing credit. Once possession is obtained, the Company reclassifies the appropriate portion of the remaining balance of the credit from loans to other real estate owned (“OREO”), which is included within other assets in the Consolidated Statements of Condition. For any residential real estate property collateralizing a consumer mortgage loan, the Company is considered to possess the related collateral only if legal title is obtained upon completion of foreclosure, or the borrower conveys all interest in the residential real estate property to the Company through completion of a deed in lieu of foreclosure or similar legal agreement. At June 30, 2026, the Company had no foreclosed residential real estate properties included within OREO. Further, the recorded investment in residential mortgage loans secured by residential real estate properties for which foreclosure proceedings are in process totaled $59.3 million and $58.2 million at June 30, 2026 and 2025, respectively.


Three Months Ended June 30, 2026 (Dollars in thousands)	Total		Percentage of Total Class of Loan		Extension of Term		Reduction of Interest Rate		Interest Only Payments		Delay in Contractual Payments		Extension of Term and Reduction of Interest Rate

Commercial	$	4,971	0.1	%	$	3,977	$	—	$	—	$	964	$	30


Commercial real estate

Non-construction	2,666		0.0		1,950		—		—		716		—

Residential real estate	701		0.0		391		—		—		254		56
Premium finance receivables—property & casualty	11		0.0		—		11		—		—		—
Total loans	$	8,349	0.0	%	$	6,318	$	11	$	—	$	1,934	$	86


Three Months Ended June 30, 2025 (Dollars in thousands)	Total		Percentage of Total Class of Loan		Extension of Term		Reduction of Interest Rate		Interest Only Payments		Delay in Contractual Payments		Extension of Term and Reduction of Interest Rate

Commercial	$	35	0.0	%	$	—	$	11	$	—	$	—	$	24




Residential real estate	282		0.0		—		282		—		—		—

Premium finance receivables—property & casualty	885		0.0		885		—		—		—		—
Total loans	$	1,202	0.0	%	$	885	$	293	$	—	$	—	$	24


Six Months Ended June 30, 2026 (Dollars in thousands)	Total		Percentage of Total Class of Loan		Extension of Term		Reduction of Interest Rate		Interest Only Payments		Delay in Contractual Payments		Extension of Term and Reduction of Interest Rate

Commercial	$	22,329	0.3	%	$	6,607	$	36	$	—	$	15,639	$	47
Commercial real estate
Construction and development	594		0.0		594		—		—		—		—
Non-construction	11,617		0.1		10,901		—		—		716		—

Residential real estate	701		0.0		391		—		—		254		56

Premium finance receivables—property & casualty	11		0.0		—		11		—		—		—
Total loans	$	35,252	0.1	%	$	18,493	$	47	$	—	$	16,609	$	103


			Weighted Average Magnitude of Modifications:
Six Months Ended June 30, 2026 (Dollars in thousands)	Total		Duration of Extension of Term (months)	Reduction of Interest Rate (bps)	Duration of Delay in Contractual Payments (months)

Commercial	$	22,329	28	244	37
Commercial real estate
Construction and development	594		11	—	37
Non-construction	11,617		5	—	—

Residential real estate	701		70	288	184
Premium finance receivables—property & casualty	11		—	66	—
Total loans	$	35,252	21	246	39


Six Months Ended June 30, 2025 (Dollars in thousands)	Total		Percentage of Total Class of Loan		Extension of Term		Reduction of Interest Rate		Interest Only Payments		Delay in Contractual Payments		Extension of Term and Reduction of Interest Rate

Commercial	$	12,732	0.2	%	$	12,465	$	11	$	31	$	—	$	225




Residential real estate	1,144		0.0		162		282		—		—		700

Premium finance receivables—property & casualty	885		0.0		885		—		—		—		—
Total loans	$	14,761	0.0	%	$	13,512	$	293	$	31	$	—	$	925


(Dollars in thousands)	For the Twelve Months Ended June 30, 2026		Three Months Ended June 30, 2026		Six Months Ended June 30, 2026		For the Twelve Months Ended June 30, 2025		Three Months Ended June 30, 2025		Six Months Ended June 30, 2025
	Total		Payments in Default (1)		Payments in Default (1)		Total		Payments in Default (1)		Payments in Default (1)
Commercial	$	44,455	$	3,497	$	4,086	$	20,731	$	11	$	123
Commercial real estate
Construction and development	594		—		594		—		—		—
Non-construction	22,345		3,489		12,440		752		—		—
Home equity	85		—		—		—		—		—
Residential real estate	1,370		—		—		1,144		—		700

Premium finance receivables—property & casualty	11		11		11		1,230		885		885
Total loans	$	68,860	$	6,997	$	17,131	$	23,857	$	896	$	1,708