Q2 2026 Earnings

Tier 1 leverage ratio

9.6%

The FRB has established minimum risk-based capital guidelines. Pursuant to these guidelines, a framework has been established that assigns risk weights to each category of on and off-balance-sheet items to arrive at risk adjusted total assets. Regulatory capital is divided by the risk adjusted assets with the resulting ratio compared to the minimum standard to determine whether a corporation has adequate capital. As of June 30, 2026, we and the Bank were “well capitalized” under the regulatory framework for prompt corrective action. Management believes that no conditions or events have occurred since June 30, 2026 that would materially adversely change such capital classifications. From time to time, we may need to raise additional capital to support our and the Bank’s further growth and to maintain our “well capitalized” status. The following table sets forth our consolidated capital ratios as of the dates indicated: June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 Common equity tier 1 capital | | 12.34 | | % | | | 11.71 | | % | | | 11.73 | | % | | | 12.37 | | % | | | 12.46 | | % Tier 1 capital | | 12.34 | | % | | | 11.71 | | % | | | 11.73 | | % | | | 12.37 | | % | | | 12.46 | | % Total capital | | 14.63 | | % | | | 14.01 | | % | | | 14.41 | | % | | | 15.20 | | % | | | 15.34 | | % Tier 1 leverage | | 9.59 | | % | | | 8.89 | | % | | | 8.84 | | % | | | 8.71 | | % | | | 9.04 | | %

Total capital ratio

14.6%

The FRB has established minimum risk-based capital guidelines. Pursuant to these guidelines, a framework has been established that assigns risk weights to each category of on and off-balance-sheet items to arrive at risk adjusted total assets. Regulatory capital is divided by the risk adjusted assets with the resulting ratio compared to the minimum standard to determine whether a corporation has adequate capital. As of June 30, 2026, we and the Bank were “well capitalized” under the regulatory framework for prompt corrective action. Management believes that no conditions or events have occurred since June 30, 2026 that would materially adversely change such capital classifications. From time to time, we may need to raise additional capital to support our and the Bank’s further growth and to maintain our “well capitalized” status. The following table sets forth our consolidated capital ratios as of the dates indicated: June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 Common equity tier 1 capital | | 12.34 | | % | | | 11.71 | | % | | | 11.73 | | % | | | 12.37 | | % | | | 12.46 | | % Tier 1 capital | | 12.34 | | % | | | 11.71 | | % | | | 11.73 | | % | | | 12.37 | | % | | | 12.46 | | % Total capital | | 14.63 | | % | | | 14.01 | | % | | | 14.41 | | % | | | 15.20 | | % | | | 15.34 | | % Tier 1 leverage | | 9.59 | | % | | | 8.89 | | % | | | 8.84 | | % | | | 8.71 | | % | | | 9.04 | | %

ACL to loans

0.9%

Asset Quality Analysis The following table outlines our asset quality analysis as of the dates and for the periods indicated: Three Months Ended (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 NONPERFORMING ASSETS Commercial and industrial | | $ | | 623 | | | | $ | | 508 | | | | $ | | 442 | | | | $ | | 16 | | | | $ | | 17 Commercial real estate | | 3,728 | | | | 3,743 | | | | 3,766 | | | | 3,000 | | | | 533 Agricultural | | 2,867 | | | | — | | | | — | | | | — | | | | — Residential real estate | | 572 | | | | 167 | | | | 370 | | | | 427 | | | | 614 Consumer | | — | | | | — | | | | — | | | | — | | | | — Total nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total nonperforming loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,461 | | | | 1,195 Foreclosed assets | | 620 | | | | 573 | | | | 938 | | | | 1,018 | | | | 667 Total nonperforming assets | | $ | | 8,410 | | | | $ | | 4,991 | | | | $ | | 5,516 | | | | $ | | 4,479 | | | | $ | | 1,862 Nonperforming loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.09 | | % Nonperforming assets to total assets | | 0.38 | | % | | | 0.22 | | % | | | 0.25 | | % | | | 0.20 | | % | | | 0.09 | | % Nonaccrual loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.08 | | % ACL as a % of nonaccrual loans | | 185.87 | | % | | | 317.20 | | % | | | 299.85 | | % | | | 381.91 | | % | | | N/M ALLOWANCE FOR CREDIT LOSSES Allowance at beginning of period | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 | | | | $ | | 12,735 Charge-offs | | 563 | | | | 350 | | | | 155 | | | | 175 | | | | 390 Recoveries | | 179 | | | | 97 | | | | 121 | | | | 101 | | | | 1,822 Net loan charge-offs (recoveries) | | 384 | | | | 253 | | | | 34 | | | | 74 | | | | (1,432) Provision for (reversal of) credit losses - loans | | 849 | | | | 540 | | | | 612 | | | | 246 | | | | (1,190) Allowance at end of period | | $ | | 14,479 | | | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 ACL to loans | | 0.91 | | % | | | 0.90 | | % | | | 0.89 | | % | | | 0.92 | | % | | | 0.93 | | % Reserve for unfunded commitments | | 604 | | | | 557 | | | | 493 | | | | 671 | | | | 708 Provision for (reversal of) credit losses - unfunded commitments | | 46 | | | | 64 | | | | (178) | | | | (37) | | | | 91 Reserve to unfunded commitments | | 0.17 | | % | | | 0.15 | | % | | | 0.14 | | % | | | 0.16 | | % | | | 0.16 | | % NET LOAN CHARGE-OFFS (RECOVERIES) Commercial and industrial | | $ | | 34 | | | | $ | | (1) | | | | $ | | 8 | | | | $ | | (6) | | | | $ | | 68 Commercial real estate | | 223 | | | | 133 | | | | (4) | | | | (4) | | | | (50) Agricultural | | 97 | | | | — | | | | (4) | | | | — | | | | — Residential real estate | | (61) | | | | (14) | | | | (53) | | | | (16) | | | | (16) Consumer | | 91 | | | | 135 | | | | 87 | | | | 100 | | | | (1,434) Total | | $ | | 384 | | | | $ | | 253 | | | | $ | | 34 | | | | $ | | 74 | | | | $ | | (1,432) Net charge-offs / (recoveries) to average loans | | 0.02 | | % | | | 0.02 | | % | | | 0.00 | | % | | | 0.01 | | % | | | (0.10 | | %) DELINQUENT AND NONACCRUAL LOANS Accruing loans 30-89 days past due | | $ | | 875 | | | | $ | | 5,786 | | | | $ | | 6,689 | | | | $ | | 500 | | | | $ | | 1,076 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total accruing past due loans | | 875 | | | | 5,786 | | | | 6,689 | | | | 518 | | | | 1,107 Nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Total past due and nonaccrual loans | | $ | | 8,665 | | | | $ | | 10,204 | | | | $ | | 11,267 | | | | $ | | 3,961 | | | | $ | | 2,271

ACL to nonaccrual loans

185.9%

Asset Quality Analysis The following table outlines our asset quality analysis as of the dates and for the periods indicated: Three Months Ended (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 NONPERFORMING ASSETS Commercial and industrial | | $ | | 623 | | | | $ | | 508 | | | | $ | | 442 | | | | $ | | 16 | | | | $ | | 17 Commercial real estate | | 3,728 | | | | 3,743 | | | | 3,766 | | | | 3,000 | | | | 533 Agricultural | | 2,867 | | | | — | | | | — | | | | — | | | | — Residential real estate | | 572 | | | | 167 | | | | 370 | | | | 427 | | | | 614 Consumer | | — | | | | — | | | | — | | | | — | | | | — Total nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total nonperforming loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,461 | | | | 1,195 Foreclosed assets | | 620 | | | | 573 | | | | 938 | | | | 1,018 | | | | 667 Total nonperforming assets | | $ | | 8,410 | | | | $ | | 4,991 | | | | $ | | 5,516 | | | | $ | | 4,479 | | | | $ | | 1,862 Nonperforming loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.09 | | % Nonperforming assets to total assets | | 0.38 | | % | | | 0.22 | | % | | | 0.25 | | % | | | 0.20 | | % | | | 0.09 | | % Nonaccrual loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.08 | | % ACL as a % of nonaccrual loans | | 185.87 | | % | | | 317.20 | | % | | | 299.85 | | % | | | 381.91 | | % | | | N/M ALLOWANCE FOR CREDIT LOSSES Allowance at beginning of period | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 | | | | $ | | 12,735 Charge-offs | | 563 | | | | 350 | | | | 155 | | | | 175 | | | | 390 Recoveries | | 179 | | | | 97 | | | | 121 | | | | 101 | | | | 1,822 Net loan charge-offs (recoveries) | | 384 | | | | 253 | | | | 34 | | | | 74 | | | | (1,432) Provision for (reversal of) credit losses - loans | | 849 | | | | 540 | | | | 612 | | | | 246 | | | | (1,190) Allowance at end of period | | $ | | 14,479 | | | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 ACL to loans | | 0.91 | | % | | | 0.90 | | % | | | 0.89 | | % | | | 0.92 | | % | | | 0.93 | | % Reserve for unfunded commitments | | 604 | | | | 557 | | | | 493 | | | | 671 | | | | 708 Provision for (reversal of) credit losses - unfunded commitments | | 46 | | | | 64 | | | | (178) | | | | (37) | | | | 91 Reserve to unfunded commitments | | 0.17 | | % | | | 0.15 | | % | | | 0.14 | | % | | | 0.16 | | % | | | 0.16 | | % NET LOAN CHARGE-OFFS (RECOVERIES) Commercial and industrial | | $ | | 34 | | | | $ | | (1) | | | | $ | | 8 | | | | $ | | (6) | | | | $ | | 68 Commercial real estate | | 223 | | | | 133 | | | | (4) | | | | (4) | | | | (50) Agricultural | | 97 | | | | — | | | | (4) | | | | — | | | | — Residential real estate | | (61) | | | | (14) | | | | (53) | | | | (16) | | | | (16) Consumer | | 91 | | | | 135 | | | | 87 | | | | 100 | | | | (1,434) Total | | $ | | 384 | | | | $ | | 253 | | | | $ | | 34 | | | | $ | | 74 | | | | $ | | (1,432) Net charge-offs / (recoveries) to average loans | | 0.02 | | % | | | 0.02 | | % | | | 0.00 | | % | | | 0.01 | | % | | | (0.10 | | %) DELINQUENT AND NONACCRUAL LOANS Accruing loans 30-89 days past due | | $ | | 875 | | | | $ | | 5,786 | | | | $ | | 6,689 | | | | $ | | 500 | | | | $ | | 1,076 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total accruing past due loans | | 875 | | | | 5,786 | | | | 6,689 | | | | 518 | | | | 1,107 Nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Total past due and nonaccrual loans | | $ | | 8,665 | | | | $ | | 10,204 | | | | $ | | 11,267 | | | | $ | | 3,961 | | | | $ | | 2,271

Net charge-offs to average loans

0.0%

Asset Quality Analysis The following table outlines our asset quality analysis as of the dates and for the periods indicated: Three Months Ended (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 NONPERFORMING ASSETS Commercial and industrial | | $ | | 623 | | | | $ | | 508 | | | | $ | | 442 | | | | $ | | 16 | | | | $ | | 17 Commercial real estate | | 3,728 | | | | 3,743 | | | | 3,766 | | | | 3,000 | | | | 533 Agricultural | | 2,867 | | | | — | | | | — | | | | — | | | | — Residential real estate | | 572 | | | | 167 | | | | 370 | | | | 427 | | | | 614 Consumer | | — | | | | — | | | | — | | | | — | | | | — Total nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total nonperforming loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,461 | | | | 1,195 Foreclosed assets | | 620 | | | | 573 | | | | 938 | | | | 1,018 | | | | 667 Total nonperforming assets | | $ | | 8,410 | | | | $ | | 4,991 | | | | $ | | 5,516 | | | | $ | | 4,479 | | | | $ | | 1,862 Nonperforming loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.09 | | % Nonperforming assets to total assets | | 0.38 | | % | | | 0.22 | | % | | | 0.25 | | % | | | 0.20 | | % | | | 0.09 | | % Nonaccrual loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.08 | | % ACL as a % of nonaccrual loans | | 185.87 | | % | | | 317.20 | | % | | | 299.85 | | % | | | 381.91 | | % | | | N/M ALLOWANCE FOR CREDIT LOSSES Allowance at beginning of period | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 | | | | $ | | 12,735 Charge-offs | | 563 | | | | 350 | | | | 155 | | | | 175 | | | | 390 Recoveries | | 179 | | | | 97 | | | | 121 | | | | 101 | | | | 1,822 Net loan charge-offs (recoveries) | | 384 | | | | 253 | | | | 34 | | | | 74 | | | | (1,432) Provision for (reversal of) credit losses - loans | | 849 | | | | 540 | | | | 612 | | | | 246 | | | | (1,190) Allowance at end of period | | $ | | 14,479 | | | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 ACL to loans | | 0.91 | | % | | | 0.90 | | % | | | 0.89 | | % | | | 0.92 | | % | | | 0.93 | | % Reserve for unfunded commitments | | 604 | | | | 557 | | | | 493 | | | | 671 | | | | 708 Provision for (reversal of) credit losses - unfunded commitments | | 46 | | | | 64 | | | | (178) | | | | (37) | | | | 91 Reserve to unfunded commitments | | 0.17 | | % | | | 0.15 | | % | | | 0.14 | | % | | | 0.16 | | % | | | 0.16 | | % NET LOAN CHARGE-OFFS (RECOVERIES) Commercial and industrial | | $ | | 34 | | | | $ | | (1) | | | | $ | | 8 | | | | $ | | (6) | | | | $ | | 68 Commercial real estate | | 223 | | | | 133 | | | | (4) | | | | (4) | | | | (50) Agricultural | | 97 | | | | — | | | | (4) | | | | — | | | | — Residential real estate | | (61) | | | | (14) | | | | (53) | | | | (16) | | | | (16) Consumer | | 91 | | | | 135 | | | | 87 | | | | 100 | | | | (1,434) Total | | $ | | 384 | | | | $ | | 253 | | | | $ | | 34 | | | | $ | | 74 | | | | $ | | (1,432) Net charge-offs / (recoveries) to average loans | | 0.02 | | % | | | 0.02 | | % | | | 0.00 | | % | | | 0.01 | | % | | | (0.10 | | %) DELINQUENT AND NONACCRUAL LOANS Accruing loans 30-89 days past due | | $ | | 875 | | | | $ | | 5,786 | | | | $ | | 6,689 | | | | $ | | 500 | | | | $ | | 1,076 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total accruing past due loans | | 875 | | | | 5,786 | | | | 6,689 | | | | 518 | | | | 1,107 Nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Total past due and nonaccrual loans | | $ | | 8,665 | | | | $ | | 10,204 | | | | $ | | 11,267 | | | | $ | | 3,961 | | | | $ | | 2,271

Nonperforming assets

$8.4M

Asset Quality Analysis The following table outlines our asset quality analysis as of the dates and for the periods indicated: Three Months Ended (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 NONPERFORMING ASSETS Commercial and industrial | | $ | | 623 | | | | $ | | 508 | | | | $ | | 442 | | | | $ | | 16 | | | | $ | | 17 Commercial real estate | | 3,728 | | | | 3,743 | | | | 3,766 | | | | 3,000 | | | | 533 Agricultural | | 2,867 | | | | — | | | | — | | | | — | | | | — Residential real estate | | 572 | | | | 167 | | | | 370 | | | | 427 | | | | 614 Consumer | | — | | | | — | | | | — | | | | — | | | | — Total nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total nonperforming loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,461 | | | | 1,195 Foreclosed assets | | 620 | | | | 573 | | | | 938 | | | | 1,018 | | | | 667 Total nonperforming assets | | $ | | 8,410 | | | | $ | | 4,991 | | | | $ | | 5,516 | | | | $ | | 4,479 | | | | $ | | 1,862 Nonperforming loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.09 | | % Nonperforming assets to total assets | | 0.38 | | % | | | 0.22 | | % | | | 0.25 | | % | | | 0.20 | | % | | | 0.09 | | % Nonaccrual loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.08 | | % ACL as a % of nonaccrual loans | | 185.87 | | % | | | 317.20 | | % | | | 299.85 | | % | | | 381.91 | | % | | | N/M ALLOWANCE FOR CREDIT LOSSES Allowance at beginning of period | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 | | | | $ | | 12,735 Charge-offs | | 563 | | | | 350 | | | | 155 | | | | 175 | | | | 390 Recoveries | | 179 | | | | 97 | | | | 121 | | | | 101 | | | | 1,822 Net loan charge-offs (recoveries) | | 384 | | | | 253 | | | | 34 | | | | 74 | | | | (1,432) Provision for (reversal of) credit losses - loans | | 849 | | | | 540 | | | | 612 | | | | 246 | | | | (1,190) Allowance at end of period | | $ | | 14,479 | | | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 ACL to loans | | 0.91 | | % | | | 0.90 | | % | | | 0.89 | | % | | | 0.92 | | % | | | 0.93 | | % Reserve for unfunded commitments | | 604 | | | | 557 | | | | 493 | | | | 671 | | | | 708 Provision for (reversal of) credit losses - unfunded commitments | | 46 | | | | 64 | | | | (178) | | | | (37) | | | | 91 Reserve to unfunded commitments | | 0.17 | | % | | | 0.15 | | % | | | 0.14 | | % | | | 0.16 | | % | | | 0.16 | | % NET LOAN CHARGE-OFFS (RECOVERIES) Commercial and industrial | | $ | | 34 | | | | $ | | (1) | | | | $ | | 8 | | | | $ | | (6) | | | | $ | | 68 Commercial real estate | | 223 | | | | 133 | | | | (4) | | | | (4) | | | | (50) Agricultural | | 97 | | | | — | | | | (4) | | | | — | | | | — Residential real estate | | (61) | | | | (14) | | | | (53) | | | | (16) | | | | (16) Consumer | | 91 | | | | 135 | | | | 87 | | | | 100 | | | | (1,434) Total | | $ | | 384 | | | | $ | | 253 | | | | $ | | 34 | | | | $ | | 74 | | | | $ | | (1,432) Net charge-offs / (recoveries) to average loans | | 0.02 | | % | | | 0.02 | | % | | | 0.00 | | % | | | 0.01 | | % | | | (0.10 | | %) DELINQUENT AND NONACCRUAL LOANS Accruing loans 30-89 days past due | | $ | | 875 | | | | $ | | 5,786 | | | | $ | | 6,689 | | | | $ | | 500 | | | | $ | | 1,076 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total accruing past due loans | | 875 | | | | 5,786 | | | | 6,689 | | | | 518 | | | | 1,107 Nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Total past due and nonaccrual loans | | $ | | 8,665 | | | | $ | | 10,204 | | | | $ | | 11,267 | | | | $ | | 3,961 | | | | $ | | 2,271

Nonperforming assets to total assets

0.4%

Asset Quality Analysis The following table outlines our asset quality analysis as of the dates and for the periods indicated: Three Months Ended (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 NONPERFORMING ASSETS Commercial and industrial | | $ | | 623 | | | | $ | | 508 | | | | $ | | 442 | | | | $ | | 16 | | | | $ | | 17 Commercial real estate | | 3,728 | | | | 3,743 | | | | 3,766 | | | | 3,000 | | | | 533 Agricultural | | 2,867 | | | | — | | | | — | | | | — | | | | — Residential real estate | | 572 | | | | 167 | | | | 370 | | | | 427 | | | | 614 Consumer | | — | | | | — | | | | — | | | | — | | | | — Total nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total nonperforming loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,461 | | | | 1,195 Foreclosed assets | | 620 | | | | 573 | | | | 938 | | | | 1,018 | | | | 667 Total nonperforming assets | | $ | | 8,410 | | | | $ | | 4,991 | | | | $ | | 5,516 | | | | $ | | 4,479 | | | | $ | | 1,862 Nonperforming loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.09 | | % Nonperforming assets to total assets | | 0.38 | | % | | | 0.22 | | % | | | 0.25 | | % | | | 0.20 | | % | | | 0.09 | | % Nonaccrual loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.08 | | % ACL as a % of nonaccrual loans | | 185.87 | | % | | | 317.20 | | % | | | 299.85 | | % | | | 381.91 | | % | | | N/M ALLOWANCE FOR CREDIT LOSSES Allowance at beginning of period | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 | | | | $ | | 12,735 Charge-offs | | 563 | | | | 350 | | | | 155 | | | | 175 | | | | 390 Recoveries | | 179 | | | | 97 | | | | 121 | | | | 101 | | | | 1,822 Net loan charge-offs (recoveries) | | 384 | | | | 253 | | | | 34 | | | | 74 | | | | (1,432) Provision for (reversal of) credit losses - loans | | 849 | | | | 540 | | | | 612 | | | | 246 | | | | (1,190) Allowance at end of period | | $ | | 14,479 | | | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 ACL to loans | | 0.91 | | % | | | 0.90 | | % | | | 0.89 | | % | | | 0.92 | | % | | | 0.93 | | % Reserve for unfunded commitments | | 604 | | | | 557 | | | | 493 | | | | 671 | | | | 708 Provision for (reversal of) credit losses - unfunded commitments | | 46 | | | | 64 | | | | (178) | | | | (37) | | | | 91 Reserve to unfunded commitments | | 0.17 | | % | | | 0.15 | | % | | | 0.14 | | % | | | 0.16 | | % | | | 0.16 | | % NET LOAN CHARGE-OFFS (RECOVERIES) Commercial and industrial | | $ | | 34 | | | | $ | | (1) | | | | $ | | 8 | | | | $ | | (6) | | | | $ | | 68 Commercial real estate | | 223 | | | | 133 | | | | (4) | | | | (4) | | | | (50) Agricultural | | 97 | | | | — | | | | (4) | | | | — | | | | — Residential real estate | | (61) | | | | (14) | | | | (53) | | | | (16) | | | | (16) Consumer | | 91 | | | | 135 | | | | 87 | | | | 100 | | | | (1,434) Total | | $ | | 384 | | | | $ | | 253 | | | | $ | | 34 | | | | $ | | 74 | | | | $ | | (1,432) Net charge-offs / (recoveries) to average loans | | 0.02 | | % | | | 0.02 | | % | | | 0.00 | | % | | | 0.01 | | % | | | (0.10 | | %) DELINQUENT AND NONACCRUAL LOANS Accruing loans 30-89 days past due | | $ | | 875 | | | | $ | | 5,786 | | | | $ | | 6,689 | | | | $ | | 500 | | | | $ | | 1,076 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total accruing past due loans | | 875 | | | | 5,786 | | | | 6,689 | | | | 518 | | | | 1,107 Nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Total past due and nonaccrual loans | | $ | | 8,665 | | | | $ | | 10,204 | | | | $ | | 11,267 | | | | $ | | 3,961 | | | | $ | | 2,271

Nonperforming loans

$7.8M

Asset Quality Analysis The following table outlines our asset quality analysis as of the dates and for the periods indicated: Three Months Ended (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 NONPERFORMING ASSETS Commercial and industrial | | $ | | 623 | | | | $ | | 508 | | | | $ | | 442 | | | | $ | | 16 | | | | $ | | 17 Commercial real estate | | 3,728 | | | | 3,743 | | | | 3,766 | | | | 3,000 | | | | 533 Agricultural | | 2,867 | | | | — | | | | — | | | | — | | | | — Residential real estate | | 572 | | | | 167 | | | | 370 | | | | 427 | | | | 614 Consumer | | — | | | | — | | | | — | | | | — | | | | — Total nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total nonperforming loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,461 | | | | 1,195 Foreclosed assets | | 620 | | | | 573 | | | | 938 | | | | 1,018 | | | | 667 Total nonperforming assets | | $ | | 8,410 | | | | $ | | 4,991 | | | | $ | | 5,516 | | | | $ | | 4,479 | | | | $ | | 1,862 Nonperforming loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.09 | | % Nonperforming assets to total assets | | 0.38 | | % | | | 0.22 | | % | | | 0.25 | | % | | | 0.20 | | % | | | 0.09 | | % Nonaccrual loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.08 | | % ACL as a % of nonaccrual loans | | 185.87 | | % | | | 317.20 | | % | | | 299.85 | | % | | | 381.91 | | % | | | N/M ALLOWANCE FOR CREDIT LOSSES Allowance at beginning of period | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 | | | | $ | | 12,735 Charge-offs | | 563 | | | | 350 | | | | 155 | | | | 175 | | | | 390 Recoveries | | 179 | | | | 97 | | | | 121 | | | | 101 | | | | 1,822 Net loan charge-offs (recoveries) | | 384 | | | | 253 | | | | 34 | | | | 74 | | | | (1,432) Provision for (reversal of) credit losses - loans | | 849 | | | | 540 | | | | 612 | | | | 246 | | | | (1,190) Allowance at end of period | | $ | | 14,479 | | | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 ACL to loans | | 0.91 | | % | | | 0.90 | | % | | | 0.89 | | % | | | 0.92 | | % | | | 0.93 | | % Reserve for unfunded commitments | | 604 | | | | 557 | | | | 493 | | | | 671 | | | | 708 Provision for (reversal of) credit losses - unfunded commitments | | 46 | | | | 64 | | | | (178) | | | | (37) | | | | 91 Reserve to unfunded commitments | | 0.17 | | % | | | 0.15 | | % | | | 0.14 | | % | | | 0.16 | | % | | | 0.16 | | % NET LOAN CHARGE-OFFS (RECOVERIES) Commercial and industrial | | $ | | 34 | | | | $ | | (1) | | | | $ | | 8 | | | | $ | | (6) | | | | $ | | 68 Commercial real estate | | 223 | | | | 133 | | | | (4) | | | | (4) | | | | (50) Agricultural | | 97 | | | | — | | | | (4) | | | | — | | | | — Residential real estate | | (61) | | | | (14) | | | | (53) | | | | (16) | | | | (16) Consumer | | 91 | | | | 135 | | | | 87 | | | | 100 | | | | (1,434) Total | | $ | | 384 | | | | $ | | 253 | | | | $ | | 34 | | | | $ | | 74 | | | | $ | | (1,432) Net charge-offs / (recoveries) to average loans | | 0.02 | | % | | | 0.02 | | % | | | 0.00 | | % | | | 0.01 | | % | | | (0.10 | | %) DELINQUENT AND NONACCRUAL LOANS Accruing loans 30-89 days past due | | $ | | 875 | | | | $ | | 5,786 | | | | $ | | 6,689 | | | | $ | | 500 | | | | $ | | 1,076 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total accruing past due loans | | 875 | | | | 5,786 | | | | 6,689 | | | | 518 | | | | 1,107 Nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Total past due and nonaccrual loans | | $ | | 8,665 | | | | $ | | 10,204 | | | | $ | | 11,267 | | | | $ | | 3,961 | | | | $ | | 2,271

Nonperforming loans to total loans

0.5%

Asset Quality Analysis The following table outlines our asset quality analysis as of the dates and for the periods indicated: Three Months Ended (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 NONPERFORMING ASSETS Commercial and industrial | | $ | | 623 | | | | $ | | 508 | | | | $ | | 442 | | | | $ | | 16 | | | | $ | | 17 Commercial real estate | | 3,728 | | | | 3,743 | | | | 3,766 | | | | 3,000 | | | | 533 Agricultural | | 2,867 | | | | — | | | | — | | | | — | | | | — Residential real estate | | 572 | | | | 167 | | | | 370 | | | | 427 | | | | 614 Consumer | | — | | | | — | | | | — | | | | — | | | | — Total nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total nonperforming loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,461 | | | | 1,195 Foreclosed assets | | 620 | | | | 573 | | | | 938 | | | | 1,018 | | | | 667 Total nonperforming assets | | $ | | 8,410 | | | | $ | | 4,991 | | | | $ | | 5,516 | | | | $ | | 4,479 | | | | $ | | 1,862 Nonperforming loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.09 | | % Nonperforming assets to total assets | | 0.38 | | % | | | 0.22 | | % | | | 0.25 | | % | | | 0.20 | | % | | | 0.09 | | % Nonaccrual loans to total loans | | 0.49 | | % | | | 0.28 | | % | | | 0.30 | | % | | | 0.24 | | % | | | 0.08 | | % ACL as a % of nonaccrual loans | | 185.87 | | % | | | 317.20 | | % | | | 299.85 | | % | | | 381.91 | | % | | | N/M ALLOWANCE FOR CREDIT LOSSES Allowance at beginning of period | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 | | | | $ | | 12,735 Charge-offs | | 563 | | | | 350 | | | | 155 | | | | 175 | | | | 390 Recoveries | | 179 | | | | 97 | | | | 121 | | | | 101 | | | | 1,822 Net loan charge-offs (recoveries) | | 384 | | | | 253 | | | | 34 | | | | 74 | | | | (1,432) Provision for (reversal of) credit losses - loans | | 849 | | | | 540 | | | | 612 | | | | 246 | | | | (1,190) Allowance at end of period | | $ | | 14,479 | | | | $ | | 14,014 | | | | $ | | 13,727 | | | | $ | | 13,149 | | | | $ | | 12,977 ACL to loans | | 0.91 | | % | | | 0.90 | | % | | | 0.89 | | % | | | 0.92 | | % | | | 0.93 | | % Reserve for unfunded commitments | | 604 | | | | 557 | | | | 493 | | | | 671 | | | | 708 Provision for (reversal of) credit losses - unfunded commitments | | 46 | | | | 64 | | | | (178) | | | | (37) | | | | 91 Reserve to unfunded commitments | | 0.17 | | % | | | 0.15 | | % | | | 0.14 | | % | | | 0.16 | | % | | | 0.16 | | % NET LOAN CHARGE-OFFS (RECOVERIES) Commercial and industrial | | $ | | 34 | | | | $ | | (1) | | | | $ | | 8 | | | | $ | | (6) | | | | $ | | 68 Commercial real estate | | 223 | | | | 133 | | | | (4) | | | | (4) | | | | (50) Agricultural | | 97 | | | | — | | | | (4) | | | | — | | | | — Residential real estate | | (61) | | | | (14) | | | | (53) | | | | (16) | | | | (16) Consumer | | 91 | | | | 135 | | | | 87 | | | | 100 | | | | (1,434) Total | | $ | | 384 | | | | $ | | 253 | | | | $ | | 34 | | | | $ | | 74 | | | | $ | | (1,432) Net charge-offs / (recoveries) to average loans | | 0.02 | | % | | | 0.02 | | % | | | 0.00 | | % | | | 0.01 | | % | | | (0.10 | | %) DELINQUENT AND NONACCRUAL LOANS Accruing loans 30-89 days past due | | $ | | 875 | | | | $ | | 5,786 | | | | $ | | 6,689 | | | | $ | | 500 | | | | $ | | 1,076 Accruing loans past due 90 days or more | | — | | | | — | | | | — | | | | 18 | | | | 31 Total accruing past due loans | | 875 | | | | 5,786 | | | | 6,689 | | | | 518 | | | | 1,107 Nonaccrual loans | | 7,790 | | | | 4,418 | | | | 4,578 | | | | 3,443 | | | | 1,164 Total past due and nonaccrual loans | | $ | | 8,665 | | | | $ | | 10,204 | | | | $ | | 11,267 | | | | $ | | 3,961 | | | | $ | | 2,271

Average interest-earning assets

$2.06B

Average Balances, Interest Rates, and Net Interest Income The following schedules present the daily average amount outstanding for each major category of interest earning assets, non-earning assets, interest bearing liabilities, and noninterest bearing liabilities as of the dates and for the periods indicated. These schedules also present an analysis of interest income and interest expense for the periods indicated. All interest income is reported on a FTE basis using a federal income tax rate of 21%. Loans in nonaccrual status, for the purpose of the following computations, are included in the average loan balances. FRB restricted equity holdings are included in other interest earning assets. Three Months Ended June 30, 2026 | | | March 31, 2026 | | | June 30, 2025 (dollars in thousands) | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate INTEREST EARNING ASSETS Loans (1) $ | | 1,544,323 | | | | $ | | 22,607 | | | | 5.86 | | % | | | $ | | 1,501,654 | | | | $ | | 21,464 | | | | 5.78 | | % | | | $ | | 1,388,684 | | | | $ | | 19,832 | | | | 5.71 | | % AFS securities (2) Taxable | | 432,520 | | | | 2,902 | | | | 2.69 | | % | | | 430,376 | | | | 2,489 | | | | 2.35 | | % | | | 461,483 | | | | 2,513 | | | | 2.18 | | % Nontaxable (3) 63,607 | | | | 600 | | | | 3.78 | | % | | | 67,878 | | | | 637 | | | | 3.81 | | % | | | 72,869 | | | | 697 | | | | 3.84 | | % FHLB stock | | 5,600 | | | | 64 | | | | 4.55 | | % | | | 5,600 | | | | 75 | | | | 5.36 | | % | | | 5,600 | | | | 125 | | | | 8.94 | | % Federal funds sold | | 2 | | | | — | | | | 3.67 | | % | | | 7 | | | | — | | | | 3.54 | | % | | | 6 | | | | — | | | | 3.83 | | % Other (4) 18,079 | | | | 173 | | | | 3.81 | | % | | | 64,190 | | | | 602 | | | | 3.75 | | % | | | 20,487 | | | | 253 | | | | 4.92 | | % Total interest earning assets (3) 2,064,131 | | | | 26,346 | | | | 5.12 | | % | | | 2,069,705 | | | | 25,267 | | | | 4.94 | | % | | | 1,949,129 | | | | 23,420 | | | | 4.81 | | % NONEARNING ASSETS Allowance for credit losses | | (14,078) | | | | | | | | (13,680) | | | | | | | | (13,369) Cash and demand deposits due from banks | | 22,544 | | | | | | | | 23,113 | | | | | | | | 22,026 Premises and equipment | | 29,086 | | | | | | | | 29,110 | | | | | | | | 28,306 Other assets | | 116,913 | | | | | | | | 116,639 | | | | | | | | 106,595 Total assets | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 INTEREST BEARING LIABILITIES Interest bearing demand deposits | | $ | | 257,088 | | | | 205 | | | | 0.32 | | % | | | $ | | 266,101 | | | | 294 | | | | 0.45 | | % | | | $ | | 236,076 | | | | 220 | | | | 0.37 | | % Money market deposits | | 452,737 | | | | 2,625 | | | | 2.33 | | % | | | 464,438 | | | | 2,719 | | | | 2.37 | | % | | | 449,110 | | | | 2,857 | | | | 2.55 | | % Savings | | 302,375 | | | | 503 | | | | 0.67 | | % | | | 291,413 | | | | 488 | | | | 0.68 | | % | | | 286,434 | | | | 544 | | | | 0.76 | | % Certificates of deposit | | 396,481 | | | | 3,445 | | | | 3.49 | | % | | | 407,483 | | | | 3,611 | | | | 3.59 | | % | | | 395,450 | | | | 3,770 | | | | 3.82 | | % Short-term borrowings | | 115,713 | | | | 1,007 | | | | 3.49 | | % | | | 86,885 | | | | 736 | | | | 3.44 | | % | | | 41,661 | | | | 324 | | | | 3.11 | | % FHLB advances | | 4,396 | | | | 43 | | | | 3.86 | | % | | | 13,444 | | | | 133 | | | | 3.96 | | % | | | 11,539 | | | | 132 | | | | 4.53 | | % Subordinated debt, net of unamortized issuance costs 29,545 | | | | 304 | | | | 4.11 | | % | | | 29,522 | | | | 266 | | | | 3.61 | | % | | | 29,455 | | | | 266 | | | | 3.61 | | % Total interest bearing liabilities | | 1,558,335 | | | | 8,132 | | | | 2.09 | | % | | | 1,559,286 | | | | 8,247 | | | | 2.14 | | % | | | 1,449,725 | | | | 8,113 | | | | 2.24 | | % NONINTEREST BEARING LIABILITIES AND SHAREHOLDERS’ EQUITY Demand deposits | | 404,805 | | | | | | | | 411,011 | | | | | | | | 409,262 Other liabilities | | 17,462 | | | | | | | | 18,653 | | | | | | | | 14,158 Shareholders’ equity | | 237,994 | | | | | | | | 235,937 | | | | | | | | 219,542 Total liabilities and shareholders’ equity | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 Net interest income (FTE) (5) $ | | 18,214 | | | | | | | | $ | | 17,020 | | | | | | | | $ | | 15,307 Net yield on interest earning assets (FTE) (5) 3.54 | | % | | | | | | | 3.33 | | % | | | | | | | 3.14 | | % (1) Includes loans HFS and nonaccrual loans. (2) Average balances for AFS securities are based on amortized cost. (3) Includes FTE adjustments of $130,000, $138,000, and $178,000, respectively. (4) Includes average interest bearing deposits with other banks, net of FRB daily cash letter. (5) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Yield on interest-earning assets

5.1%

Average Balances, Interest Rates, and Net Interest Income The following schedules present the daily average amount outstanding for each major category of interest earning assets, non-earning assets, interest bearing liabilities, and noninterest bearing liabilities as of the dates and for the periods indicated. These schedules also present an analysis of interest income and interest expense for the periods indicated. All interest income is reported on a FTE basis using a federal income tax rate of 21%. Loans in nonaccrual status, for the purpose of the following computations, are included in the average loan balances. FRB restricted equity holdings are included in other interest earning assets. Three Months Ended June 30, 2026 | | | March 31, 2026 | | | June 30, 2025 (dollars in thousands) | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate INTEREST EARNING ASSETS Loans (1) $ | | 1,544,323 | | | | $ | | 22,607 | | | | 5.86 | | % | | | $ | | 1,501,654 | | | | $ | | 21,464 | | | | 5.78 | | % | | | $ | | 1,388,684 | | | | $ | | 19,832 | | | | 5.71 | | % AFS securities (2) Taxable | | 432,520 | | | | 2,902 | | | | 2.69 | | % | | | 430,376 | | | | 2,489 | | | | 2.35 | | % | | | 461,483 | | | | 2,513 | | | | 2.18 | | % Nontaxable (3) 63,607 | | | | 600 | | | | 3.78 | | % | | | 67,878 | | | | 637 | | | | 3.81 | | % | | | 72,869 | | | | 697 | | | | 3.84 | | % FHLB stock | | 5,600 | | | | 64 | | | | 4.55 | | % | | | 5,600 | | | | 75 | | | | 5.36 | | % | | | 5,600 | | | | 125 | | | | 8.94 | | % Federal funds sold | | 2 | | | | — | | | | 3.67 | | % | | | 7 | | | | — | | | | 3.54 | | % | | | 6 | | | | — | | | | 3.83 | | % Other (4) 18,079 | | | | 173 | | | | 3.81 | | % | | | 64,190 | | | | 602 | | | | 3.75 | | % | | | 20,487 | | | | 253 | | | | 4.92 | | % Total interest earning assets (3) 2,064,131 | | | | 26,346 | | | | 5.12 | | % | | | 2,069,705 | | | | 25,267 | | | | 4.94 | | % | | | 1,949,129 | | | | 23,420 | | | | 4.81 | | % NONEARNING ASSETS Allowance for credit losses | | (14,078) | | | | | | | | (13,680) | | | | | | | | (13,369) Cash and demand deposits due from banks | | 22,544 | | | | | | | | 23,113 | | | | | | | | 22,026 Premises and equipment | | 29,086 | | | | | | | | 29,110 | | | | | | | | 28,306 Other assets | | 116,913 | | | | | | | | 116,639 | | | | | | | | 106,595 Total assets | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 INTEREST BEARING LIABILITIES Interest bearing demand deposits | | $ | | 257,088 | | | | 205 | | | | 0.32 | | % | | | $ | | 266,101 | | | | 294 | | | | 0.45 | | % | | | $ | | 236,076 | | | | 220 | | | | 0.37 | | % Money market deposits | | 452,737 | | | | 2,625 | | | | 2.33 | | % | | | 464,438 | | | | 2,719 | | | | 2.37 | | % | | | 449,110 | | | | 2,857 | | | | 2.55 | | % Savings | | 302,375 | | | | 503 | | | | 0.67 | | % | | | 291,413 | | | | 488 | | | | 0.68 | | % | | | 286,434 | | | | 544 | | | | 0.76 | | % Certificates of deposit | | 396,481 | | | | 3,445 | | | | 3.49 | | % | | | 407,483 | | | | 3,611 | | | | 3.59 | | % | | | 395,450 | | | | 3,770 | | | | 3.82 | | % Short-term borrowings | | 115,713 | | | | 1,007 | | | | 3.49 | | % | | | 86,885 | | | | 736 | | | | 3.44 | | % | | | 41,661 | | | | 324 | | | | 3.11 | | % FHLB advances | | 4,396 | | | | 43 | | | | 3.86 | | % | | | 13,444 | | | | 133 | | | | 3.96 | | % | | | 11,539 | | | | 132 | | | | 4.53 | | % Subordinated debt, net of unamortized issuance costs 29,545 | | | | 304 | | | | 4.11 | | % | | | 29,522 | | | | 266 | | | | 3.61 | | % | | | 29,455 | | | | 266 | | | | 3.61 | | % Total interest bearing liabilities | | 1,558,335 | | | | 8,132 | | | | 2.09 | | % | | | 1,559,286 | | | | 8,247 | | | | 2.14 | | % | | | 1,449,725 | | | | 8,113 | | | | 2.24 | | % NONINTEREST BEARING LIABILITIES AND SHAREHOLDERS’ EQUITY Demand deposits | | 404,805 | | | | | | | | 411,011 | | | | | | | | 409,262 Other liabilities | | 17,462 | | | | | | | | 18,653 | | | | | | | | 14,158 Shareholders’ equity | | 237,994 | | | | | | | | 235,937 | | | | | | | | 219,542 Total liabilities and shareholders’ equity | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 Net interest income (FTE) (5) $ | | 18,214 | | | | | | | | $ | | 17,020 | | | | | | | | $ | | 15,307 Net yield on interest earning assets (FTE) (5) 3.54 | | % | | | | | | | 3.33 | | % | | | | | | | 3.14 | | % (1) Includes loans HFS and nonaccrual loans. (2) Average balances for AFS securities are based on amortized cost. (3) Includes FTE adjustments of $130,000, $138,000, and $178,000, respectively. (4) Includes average interest bearing deposits with other banks, net of FRB daily cash letter. (5) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Efficiency ratio

67.8%

Selected Financial Data (Unaudited) The following table outlines our results of operations and provides certain performance measures as of the dates and for the periods indicated: Three Months Ended | | | Six Months Ended (dollars in thousands, except per share amounts) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 | | | June 30, 2026 | | | June 30, 2025 PER SHARE Basic earnings | | $ | | 0.69 | | | $ | | 0.68 | | | $ | | 0.64 | | | $ | | 0.71 | | | $ | | 0.68 | | | $ | | 1.37 | | | $ | | 1.21 Diluted earnings | | 0.69 | | | 0.68 | | | 0.64 | | | 0.71 | | | 0.68 | | | 1.37 | | | 1.21 Dividends | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.56 | | | 0.56 Book value (1) 32.60 | | | 31.90 | | | 31.60 | | | 30.94 | | | 29.95 | | | 32.60 | | | 29.95 Tangible book value (1) (2) 26.27 | | | 25.32 | | | 25.01 | | | 24.37 | | | 23.39 | | | 26.27 | | | 23.39 Market price (1) 39.50 | | | 45.67 | | | 50.00 | | | 35.25 | | | 30.15 | | | 39.50 | | | 30.15 PERFORMANCE RATIOS Return on average total assets | | 0.91 | | % | | | 0.91 | | % | | | 0.85 | | % | | | 0.94 | | % | | | 0.96 | | % | | | 0.91 | | % | | | 0.87 | | % Return on average shareholders’ equity | | 8.50 | | % | | | 8.58 | | % | | | 8.04 | | % | | | 9.28 | | % | | | 9.19 | | % | | | 8.54 | | % | | | 8.35 | | % Return on average tangible shareholders’ equity (2) 10.66 | | % | | | 10.79 | | % | | | 10.16 | | % | | | 11.83 | | % | | | 11.78 | | % | | | 10.72 | | % | | | 10.74 | | % Net interest margin yield (FTE) | | 3.54 | | % | | | 3.33 | | % | | | 3.28 | | % | | | 3.15 | | % | | | 3.14 | | % | | | 3.43 | | % | | | 3.10 | | % Efficiency ratio (2) 67.84 | | % | | | 68.50 | | % | | | 65.02 | | % | | | 67.62 | | % | | | 72.14 | | % | | | 68.16 | | % | | | 72.26 | | % Loan to deposit ratio (1) 87.83 | | % | | | 83.82 | | % | | | 84.43 | | % | | | 74.36 | | % | | | 75.57 | | % | | | 87.83 | | % | | | 75.57 | | % Shareholders’ equity to total assets (1) 11.20 | | % | | | 10.39 | | % | | | 10.47 | | % | | | 10.06 | | % | | | 10.23 | | % | | | 11.20 | | % | | | 10.23 | | % Tangible shareholders’ equity to tangible assets (1) (2) 9.23 | | % | | | 8.43 | | % | | | 8.47 | | % | | | 8.10 | | % | | | 8.17 | | % | | | 9.23 | | % | | | 8.17 | | % FINANCIAL DATA Total assets (1) $ | | 2,219,641 | | | $ | | 2,251,956 | | | $ | | 2,209,448 | | | $ | | 2,259,654 | | | $ | | 2,156,168 | | | $ | | 2,219,641 | | | | $ | | 2,156,168 AFS securities (1) 439,289 | | | 492,744 | | | 497,791 | | | 511,970 | | | 500,560 | | | 439,289 | | | 500,560 Loans (1) 1,589,672 | | | 1,558,941 | | | 1,536,364 | | | 1,431,905 | | | 1,397,513 | | | 1,589,672 | | | 1,397,513 ACL (1) 14,479 | | | 14,014 | | | 13,727 | | | 13,149 | | | 12,977 | | | 14,479 | | | 12,977 Deposits (1) 1,809,913 | | | 1,859,845 | | | 1,819,654 | | | 1,925,602 | | | 1,849,376 | | | 1,809,913 | | | 1,849,376 Borrowed funds (1) 145,571 | | | 143,067 | | | 142,514 | | | 91,514 | | | 72,677 | | | 145,571 | | | 72,677 Shareholders' equity (1) 248,704 | | | 233,961 | | | 231,396 | | | 227,420 | | | 220,500 | | | 248,704 | | | 220,500 Wealth assets under management (1) 750,840 | | | 701,510 | | | 707,118 | | | 679,724 | | | 678,959 | | | 750,840 | | | 678,959 Net income | | 5,041 | | | 4,992 | | | 4,690 | | | 5,240 | | | 5,031 | | | 10,033 | | | 8,980 Interest income | | 26,216 | | | 25,129 | | | 25,278 | | | 24,882 | | | 23,242 | | | 51,345 | | | 45,875 Interest expense | | 8,132 | | | 8,247 | | | 8,550 | | | 8,720 | | | 8,113 | | | 16,379 | | | 16,221 Net interest income | | 18,084 | | | 16,882 | | | 16,728 | | | 16,162 | | | 15,129 | | | 34,966 | | | 29,654 Provision for (reversal of) credit losses | | 895 | | | 604 | | | 434 | | | 209 | | | (1,099) | | | 1,499 | | | (1,206) Noninterest income | | 4,375 | | | 4,361 | | | 4,444 | | | 4,308 | | | 3,686 | | | 8,736 | | | 7,214 Noninterest expenses | | 15,386 | | | 14,662 | | | 13,921 | | | 13,985 | | | 13,745 | | | 30,048 | | | 27,044 (1) At end of period. (2) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Bank offices

31

General Isabella Bank Corporation is a registered financial holding company that was incorporated in September 1988 under Michigan law. The Corporation's wholly owned subsidiary, Isabella Bank, has 31 offices located throughout Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. The area includes significant agricultural production, manufacturing, retail, gaming and tourism, and several colleges and universities.

Average interest-bearing liabilities

$1.56B

Average Balances, Interest Rates, and Net Interest Income The following schedules present the daily average amount outstanding for each major category of interest earning assets, non-earning assets, interest bearing liabilities, and noninterest bearing liabilities as of the dates and for the periods indicated. These schedules also present an analysis of interest income and interest expense for the periods indicated. All interest income is reported on a FTE basis using a federal income tax rate of 21%. Loans in nonaccrual status, for the purpose of the following computations, are included in the average loan balances. FRB restricted equity holdings are included in other interest earning assets. Three Months Ended June 30, 2026 | | | March 31, 2026 | | | June 30, 2025 (dollars in thousands) | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate INTEREST EARNING ASSETS Loans (1) $ | | 1,544,323 | | | | $ | | 22,607 | | | | 5.86 | | % | | | $ | | 1,501,654 | | | | $ | | 21,464 | | | | 5.78 | | % | | | $ | | 1,388,684 | | | | $ | | 19,832 | | | | 5.71 | | % AFS securities (2) Taxable | | 432,520 | | | | 2,902 | | | | 2.69 | | % | | | 430,376 | | | | 2,489 | | | | 2.35 | | % | | | 461,483 | | | | 2,513 | | | | 2.18 | | % Nontaxable (3) 63,607 | | | | 600 | | | | 3.78 | | % | | | 67,878 | | | | 637 | | | | 3.81 | | % | | | 72,869 | | | | 697 | | | | 3.84 | | % FHLB stock | | 5,600 | | | | 64 | | | | 4.55 | | % | | | 5,600 | | | | 75 | | | | 5.36 | | % | | | 5,600 | | | | 125 | | | | 8.94 | | % Federal funds sold | | 2 | | | | — | | | | 3.67 | | % | | | 7 | | | | — | | | | 3.54 | | % | | | 6 | | | | — | | | | 3.83 | | % Other (4) 18,079 | | | | 173 | | | | 3.81 | | % | | | 64,190 | | | | 602 | | | | 3.75 | | % | | | 20,487 | | | | 253 | | | | 4.92 | | % Total interest earning assets (3) 2,064,131 | | | | 26,346 | | | | 5.12 | | % | | | 2,069,705 | | | | 25,267 | | | | 4.94 | | % | | | 1,949,129 | | | | 23,420 | | | | 4.81 | | % NONEARNING ASSETS Allowance for credit losses | | (14,078) | | | | | | | | (13,680) | | | | | | | | (13,369) Cash and demand deposits due from banks | | 22,544 | | | | | | | | 23,113 | | | | | | | | 22,026 Premises and equipment | | 29,086 | | | | | | | | 29,110 | | | | | | | | 28,306 Other assets | | 116,913 | | | | | | | | 116,639 | | | | | | | | 106,595 Total assets | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 INTEREST BEARING LIABILITIES Interest bearing demand deposits | | $ | | 257,088 | | | | 205 | | | | 0.32 | | % | | | $ | | 266,101 | | | | 294 | | | | 0.45 | | % | | | $ | | 236,076 | | | | 220 | | | | 0.37 | | % Money market deposits | | 452,737 | | | | 2,625 | | | | 2.33 | | % | | | 464,438 | | | | 2,719 | | | | 2.37 | | % | | | 449,110 | | | | 2,857 | | | | 2.55 | | % Savings | | 302,375 | | | | 503 | | | | 0.67 | | % | | | 291,413 | | | | 488 | | | | 0.68 | | % | | | 286,434 | | | | 544 | | | | 0.76 | | % Certificates of deposit | | 396,481 | | | | 3,445 | | | | 3.49 | | % | | | 407,483 | | | | 3,611 | | | | 3.59 | | % | | | 395,450 | | | | 3,770 | | | | 3.82 | | % Short-term borrowings | | 115,713 | | | | 1,007 | | | | 3.49 | | % | | | 86,885 | | | | 736 | | | | 3.44 | | % | | | 41,661 | | | | 324 | | | | 3.11 | | % FHLB advances | | 4,396 | | | | 43 | | | | 3.86 | | % | | | 13,444 | | | | 133 | | | | 3.96 | | % | | | 11,539 | | | | 132 | | | | 4.53 | | % Subordinated debt, net of unamortized issuance costs 29,545 | | | | 304 | | | | 4.11 | | % | | | 29,522 | | | | 266 | | | | 3.61 | | % | | | 29,455 | | | | 266 | | | | 3.61 | | % Total interest bearing liabilities | | 1,558,335 | | | | 8,132 | | | | 2.09 | | % | | | 1,559,286 | | | | 8,247 | | | | 2.14 | | % | | | 1,449,725 | | | | 8,113 | | | | 2.24 | | % NONINTEREST BEARING LIABILITIES AND SHAREHOLDERS’ EQUITY Demand deposits | | 404,805 | | | | | | | | 411,011 | | | | | | | | 409,262 Other liabilities | | 17,462 | | | | | | | | 18,653 | | | | | | | | 14,158 Shareholders’ equity | | 237,994 | | | | | | | | 235,937 | | | | | | | | 219,542 Total liabilities and shareholders’ equity | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 Net interest income (FTE) (5) $ | | 18,214 | | | | | | | | $ | | 17,020 | | | | | | | | $ | | 15,307 Net yield on interest earning assets (FTE) (5) 3.54 | | % | | | | | | | 3.33 | | % | | | | | | | 3.14 | | % (1) Includes loans HFS and nonaccrual loans. (2) Average balances for AFS securities are based on amortized cost. (3) Includes FTE adjustments of $130,000, $138,000, and $178,000, respectively. (4) Includes average interest bearing deposits with other banks, net of FRB daily cash letter. (5) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Cost of interest-bearing liabilities

2.1%

Average Balances, Interest Rates, and Net Interest Income The following schedules present the daily average amount outstanding for each major category of interest earning assets, non-earning assets, interest bearing liabilities, and noninterest bearing liabilities as of the dates and for the periods indicated. These schedules also present an analysis of interest income and interest expense for the periods indicated. All interest income is reported on a FTE basis using a federal income tax rate of 21%. Loans in nonaccrual status, for the purpose of the following computations, are included in the average loan balances. FRB restricted equity holdings are included in other interest earning assets. Three Months Ended June 30, 2026 | | | March 31, 2026 | | | June 30, 2025 (dollars in thousands) | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate INTEREST EARNING ASSETS Loans (1) $ | | 1,544,323 | | | | $ | | 22,607 | | | | 5.86 | | % | | | $ | | 1,501,654 | | | | $ | | 21,464 | | | | 5.78 | | % | | | $ | | 1,388,684 | | | | $ | | 19,832 | | | | 5.71 | | % AFS securities (2) Taxable | | 432,520 | | | | 2,902 | | | | 2.69 | | % | | | 430,376 | | | | 2,489 | | | | 2.35 | | % | | | 461,483 | | | | 2,513 | | | | 2.18 | | % Nontaxable (3) 63,607 | | | | 600 | | | | 3.78 | | % | | | 67,878 | | | | 637 | | | | 3.81 | | % | | | 72,869 | | | | 697 | | | | 3.84 | | % FHLB stock | | 5,600 | | | | 64 | | | | 4.55 | | % | | | 5,600 | | | | 75 | | | | 5.36 | | % | | | 5,600 | | | | 125 | | | | 8.94 | | % Federal funds sold | | 2 | | | | — | | | | 3.67 | | % | | | 7 | | | | — | | | | 3.54 | | % | | | 6 | | | | — | | | | 3.83 | | % Other (4) 18,079 | | | | 173 | | | | 3.81 | | % | | | 64,190 | | | | 602 | | | | 3.75 | | % | | | 20,487 | | | | 253 | | | | 4.92 | | % Total interest earning assets (3) 2,064,131 | | | | 26,346 | | | | 5.12 | | % | | | 2,069,705 | | | | 25,267 | | | | 4.94 | | % | | | 1,949,129 | | | | 23,420 | | | | 4.81 | | % NONEARNING ASSETS Allowance for credit losses | | (14,078) | | | | | | | | (13,680) | | | | | | | | (13,369) Cash and demand deposits due from banks | | 22,544 | | | | | | | | 23,113 | | | | | | | | 22,026 Premises and equipment | | 29,086 | | | | | | | | 29,110 | | | | | | | | 28,306 Other assets | | 116,913 | | | | | | | | 116,639 | | | | | | | | 106,595 Total assets | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 INTEREST BEARING LIABILITIES Interest bearing demand deposits | | $ | | 257,088 | | | | 205 | | | | 0.32 | | % | | | $ | | 266,101 | | | | 294 | | | | 0.45 | | % | | | $ | | 236,076 | | | | 220 | | | | 0.37 | | % Money market deposits | | 452,737 | | | | 2,625 | | | | 2.33 | | % | | | 464,438 | | | | 2,719 | | | | 2.37 | | % | | | 449,110 | | | | 2,857 | | | | 2.55 | | % Savings | | 302,375 | | | | 503 | | | | 0.67 | | % | | | 291,413 | | | | 488 | | | | 0.68 | | % | | | 286,434 | | | | 544 | | | | 0.76 | | % Certificates of deposit | | 396,481 | | | | 3,445 | | | | 3.49 | | % | | | 407,483 | | | | 3,611 | | | | 3.59 | | % | | | 395,450 | | | | 3,770 | | | | 3.82 | | % Short-term borrowings | | 115,713 | | | | 1,007 | | | | 3.49 | | % | | | 86,885 | | | | 736 | | | | 3.44 | | % | | | 41,661 | | | | 324 | | | | 3.11 | | % FHLB advances | | 4,396 | | | | 43 | | | | 3.86 | | % | | | 13,444 | | | | 133 | | | | 3.96 | | % | | | 11,539 | | | | 132 | | | | 4.53 | | % Subordinated debt, net of unamortized issuance costs 29,545 | | | | 304 | | | | 4.11 | | % | | | 29,522 | | | | 266 | | | | 3.61 | | % | | | 29,455 | | | | 266 | | | | 3.61 | | % Total interest bearing liabilities | | 1,558,335 | | | | 8,132 | | | | 2.09 | | % | | | 1,559,286 | | | | 8,247 | | | | 2.14 | | % | | | 1,449,725 | | | | 8,113 | | | | 2.24 | | % NONINTEREST BEARING LIABILITIES AND SHAREHOLDERS’ EQUITY Demand deposits | | 404,805 | | | | | | | | 411,011 | | | | | | | | 409,262 Other liabilities | | 17,462 | | | | | | | | 18,653 | | | | | | | | 14,158 Shareholders’ equity | | 237,994 | | | | | | | | 235,937 | | | | | | | | 219,542 Total liabilities and shareholders’ equity | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 Net interest income (FTE) (5) $ | | 18,214 | | | | | | | | $ | | 17,020 | | | | | | | | $ | | 15,307 Net yield on interest earning assets (FTE) (5) 3.54 | | % | | | | | | | 3.33 | | % | | | | | | | 3.14 | | % (1) Includes loans HFS and nonaccrual loans. (2) Average balances for AFS securities are based on amortized cost. (3) Includes FTE adjustments of $130,000, $138,000, and $178,000, respectively. (4) Includes average interest bearing deposits with other banks, net of FRB daily cash letter. (5) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Loan-to-deposit ratio

87.8%

Selected Financial Data (Unaudited) The following table outlines our results of operations and provides certain performance measures as of the dates and for the periods indicated: Three Months Ended | | | Six Months Ended (dollars in thousands, except per share amounts) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 | | | June 30, 2026 | | | June 30, 2025 PER SHARE Basic earnings | | $ | | 0.69 | | | $ | | 0.68 | | | $ | | 0.64 | | | $ | | 0.71 | | | $ | | 0.68 | | | $ | | 1.37 | | | $ | | 1.21 Diluted earnings | | 0.69 | | | 0.68 | | | 0.64 | | | 0.71 | | | 0.68 | | | 1.37 | | | 1.21 Dividends | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.56 | | | 0.56 Book value (1) 32.60 | | | 31.90 | | | 31.60 | | | 30.94 | | | 29.95 | | | 32.60 | | | 29.95 Tangible book value (1) (2) 26.27 | | | 25.32 | | | 25.01 | | | 24.37 | | | 23.39 | | | 26.27 | | | 23.39 Market price (1) 39.50 | | | 45.67 | | | 50.00 | | | 35.25 | | | 30.15 | | | 39.50 | | | 30.15 PERFORMANCE RATIOS Return on average total assets | | 0.91 | | % | | | 0.91 | | % | | | 0.85 | | % | | | 0.94 | | % | | | 0.96 | | % | | | 0.91 | | % | | | 0.87 | | % Return on average shareholders’ equity | | 8.50 | | % | | | 8.58 | | % | | | 8.04 | | % | | | 9.28 | | % | | | 9.19 | | % | | | 8.54 | | % | | | 8.35 | | % Return on average tangible shareholders’ equity (2) 10.66 | | % | | | 10.79 | | % | | | 10.16 | | % | | | 11.83 | | % | | | 11.78 | | % | | | 10.72 | | % | | | 10.74 | | % Net interest margin yield (FTE) | | 3.54 | | % | | | 3.33 | | % | | | 3.28 | | % | | | 3.15 | | % | | | 3.14 | | % | | | 3.43 | | % | | | 3.10 | | % Efficiency ratio (2) 67.84 | | % | | | 68.50 | | % | | | 65.02 | | % | | | 67.62 | | % | | | 72.14 | | % | | | 68.16 | | % | | | 72.26 | | % Loan to deposit ratio (1) 87.83 | | % | | | 83.82 | | % | | | 84.43 | | % | | | 74.36 | | % | | | 75.57 | | % | | | 87.83 | | % | | | 75.57 | | % Shareholders’ equity to total assets (1) 11.20 | | % | | | 10.39 | | % | | | 10.47 | | % | | | 10.06 | | % | | | 10.23 | | % | | | 11.20 | | % | | | 10.23 | | % Tangible shareholders’ equity to tangible assets (1) (2) 9.23 | | % | | | 8.43 | | % | | | 8.47 | | % | | | 8.10 | | % | | | 8.17 | | % | | | 9.23 | | % | | | 8.17 | | % FINANCIAL DATA Total assets (1) $ | | 2,219,641 | | | $ | | 2,251,956 | | | $ | | 2,209,448 | | | $ | | 2,259,654 | | | $ | | 2,156,168 | | | $ | | 2,219,641 | | | | $ | | 2,156,168 AFS securities (1) 439,289 | | | 492,744 | | | 497,791 | | | 511,970 | | | 500,560 | | | 439,289 | | | 500,560 Loans (1) 1,589,672 | | | 1,558,941 | | | 1,536,364 | | | 1,431,905 | | | 1,397,513 | | | 1,589,672 | | | 1,397,513 ACL (1) 14,479 | | | 14,014 | | | 13,727 | | | 13,149 | | | 12,977 | | | 14,479 | | | 12,977 Deposits (1) 1,809,913 | | | 1,859,845 | | | 1,819,654 | | | 1,925,602 | | | 1,849,376 | | | 1,809,913 | | | 1,849,376 Borrowed funds (1) 145,571 | | | 143,067 | | | 142,514 | | | 91,514 | | | 72,677 | | | 145,571 | | | 72,677 Shareholders' equity (1) 248,704 | | | 233,961 | | | 231,396 | | | 227,420 | | | 220,500 | | | 248,704 | | | 220,500 Wealth assets under management (1) 750,840 | | | 701,510 | | | 707,118 | | | 679,724 | | | 678,959 | | | 750,840 | | | 678,959 Net income | | 5,041 | | | 4,992 | | | 4,690 | | | 5,240 | | | 5,031 | | | 10,033 | | | 8,980 Interest income | | 26,216 | | | 25,129 | | | 25,278 | | | 24,882 | | | 23,242 | | | 51,345 | | | 45,875 Interest expense | | 8,132 | | | 8,247 | | | 8,550 | | | 8,720 | | | 8,113 | | | 16,379 | | | 16,221 Net interest income | | 18,084 | | | 16,882 | | | 16,728 | | | 16,162 | | | 15,129 | | | 34,966 | | | 29,654 Provision for (reversal of) credit losses | | 895 | | | 604 | | | 434 | | | 209 | | | (1,099) | | | 1,499 | | | (1,206) Noninterest income | | 4,375 | | | 4,361 | | | 4,444 | | | 4,308 | | | 3,686 | | | 8,736 | | | 7,214 Noninterest expenses | | 15,386 | | | 14,662 | | | 13,921 | | | 13,985 | | | 13,745 | | | 30,048 | | | 27,044 (1) At end of period. (2) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Uninsured deposits

$673.9M

Liquidity Liquidity is monitored regularly by our ALCO, which consists of members of senior management. The committee reviews projected cash flows, key ratios, and liquidity available from both primary and secondary sources. Our primary sources of liquidity are retail deposits, cash and cash equivalents, and unencumbered AFS securities. Cash, cash equivalents and unencumbered AFS securities totaled $237.9 million, or 10.72% of assets, as of June 30, 2026, compared to $337.0 million, or 15.25%, as of December 31, 2025. The decrease in the amount and percentage of primary liquidity is primarily due to a decrease in AFS securities, offset by an increase in cash and cash equivalents. Liquidity is important for financial institutions because of their need to meet loan funding commitments, depositor withdrawal requests, and various other commitments including expansion of operations, investment opportunities, and payment of cash dividends. Based on these same factors, daily liquidity could vary significantly. Our secondary sources include the ability to borrow from the FHLB, from the FRB, and through various correspondent banks in the form of federal funds purchased and lines of credit. These funding methods typically carry a higher interest rate than traditional market deposit accounts. Some borrowed funds, including FHLB advances, FRB Discount Window advances, and repurchase agreements, require us to pledge assets, typically in the form of AFS securities or loans, as collateral. As of June 30, 2026, we had available lines of credit of $403.0 million. We monitor our daily liquidity position to meet our cash flow needs. We also forecast anticipated funding needs for changes in interest rates and economic conditions, the scheduled maturity and interest rate sensitivity of the investment and loan portfolios and deposits, and regulatory capital requirements. Our liquidity stress testing is designed with consideration of these and other factors that could pose undue risk to liquidity. 53 Table of Contents Our liquidity position remained strong as of June 30, 2026, which is illustrated in the following table: (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 Total cash and cash equivalents | | $ | | 41,774 | | | | $ | | 50,105 | | | | $ | | 26,041 | | | | $ | | 161,301 | | | | $ | | 108,554 Brokered CD capacity | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 120,000 Available lines of credit Federal funds lines with correspondent banks | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 FHLB borrowings | | 276,278 | | | | 270,159 | | | | 218,088 | | | | 257,288 | | | | 249,890 FRB Discount Window | | 28,730 | | | | 29,511 | | | | 29,428 | | | | 29,267 | | | | 29,084 Other lines of credit | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 Total available lines of credit | | 403,008 | | | | 397,670 | | | | 345,516 | | | | 384,555 | | | | 376,974 Unencumbered lendable value of FRB collateral, estimated (1) 180,000 | | | | 240,000 | | | | 280,000 | | | | 300,000 | | | | 320,000 Total cash and liquidity | | $ | | 754,782 | | | | $ | | 817,775 | | | | $ | | 781,557 | | | | $ | | 975,856 | | | | $ | | 925,528 Uninsured deposits | | $ | | 673,868 | | | | $ | | 727,884 | | | | $ | | 695,537 | | | | $ | | 726,514 | | | | $ | | 726,240 Coverage ratio of uninsured deposits with total cash and liquidity | | 112 | | % | | | 112 | | % | | | 112 | | % | | | 134 | | % | | | 127 | | % (1) In cludes estimated unencumbered lendable value of FHLB collateral of $120.0 million as of June 30, 2026.

Average loans

$1.54B

Average Balances, Interest Rates, and Net Interest Income The following schedules present the daily average amount outstanding for each major category of interest earning assets, non-earning assets, interest bearing liabilities, and noninterest bearing liabilities as of the dates and for the periods indicated. These schedules also present an analysis of interest income and interest expense for the periods indicated. All interest income is reported on a FTE basis using a federal income tax rate of 21%. Loans in nonaccrual status, for the purpose of the following computations, are included in the average loan balances. FRB restricted equity holdings are included in other interest earning assets. Three Months Ended June 30, 2026 | | | March 31, 2026 | | | June 30, 2025 (dollars in thousands) | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate INTEREST EARNING ASSETS Loans (1) $ | | 1,544,323 | | | | $ | | 22,607 | | | | 5.86 | | % | | | $ | | 1,501,654 | | | | $ | | 21,464 | | | | 5.78 | | % | | | $ | | 1,388,684 | | | | $ | | 19,832 | | | | 5.71 | | % AFS securities (2) Taxable | | 432,520 | | | | 2,902 | | | | 2.69 | | % | | | 430,376 | | | | 2,489 | | | | 2.35 | | % | | | 461,483 | | | | 2,513 | | | | 2.18 | | % Nontaxable (3) 63,607 | | | | 600 | | | | 3.78 | | % | | | 67,878 | | | | 637 | | | | 3.81 | | % | | | 72,869 | | | | 697 | | | | 3.84 | | % FHLB stock | | 5,600 | | | | 64 | | | | 4.55 | | % | | | 5,600 | | | | 75 | | | | 5.36 | | % | | | 5,600 | | | | 125 | | | | 8.94 | | % Federal funds sold | | 2 | | | | — | | | | 3.67 | | % | | | 7 | | | | — | | | | 3.54 | | % | | | 6 | | | | — | | | | 3.83 | | % Other (4) 18,079 | | | | 173 | | | | 3.81 | | % | | | 64,190 | | | | 602 | | | | 3.75 | | % | | | 20,487 | | | | 253 | | | | 4.92 | | % Total interest earning assets (3) 2,064,131 | | | | 26,346 | | | | 5.12 | | % | | | 2,069,705 | | | | 25,267 | | | | 4.94 | | % | | | 1,949,129 | | | | 23,420 | | | | 4.81 | | % NONEARNING ASSETS Allowance for credit losses | | (14,078) | | | | | | | | (13,680) | | | | | | | | (13,369) Cash and demand deposits due from banks | | 22,544 | | | | | | | | 23,113 | | | | | | | | 22,026 Premises and equipment | | 29,086 | | | | | | | | 29,110 | | | | | | | | 28,306 Other assets | | 116,913 | | | | | | | | 116,639 | | | | | | | | 106,595 Total assets | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 INTEREST BEARING LIABILITIES Interest bearing demand deposits | | $ | | 257,088 | | | | 205 | | | | 0.32 | | % | | | $ | | 266,101 | | | | 294 | | | | 0.45 | | % | | | $ | | 236,076 | | | | 220 | | | | 0.37 | | % Money market deposits | | 452,737 | | | | 2,625 | | | | 2.33 | | % | | | 464,438 | | | | 2,719 | | | | 2.37 | | % | | | 449,110 | | | | 2,857 | | | | 2.55 | | % Savings | | 302,375 | | | | 503 | | | | 0.67 | | % | | | 291,413 | | | | 488 | | | | 0.68 | | % | | | 286,434 | | | | 544 | | | | 0.76 | | % Certificates of deposit | | 396,481 | | | | 3,445 | | | | 3.49 | | % | | | 407,483 | | | | 3,611 | | | | 3.59 | | % | | | 395,450 | | | | 3,770 | | | | 3.82 | | % Short-term borrowings | | 115,713 | | | | 1,007 | | | | 3.49 | | % | | | 86,885 | | | | 736 | | | | 3.44 | | % | | | 41,661 | | | | 324 | | | | 3.11 | | % FHLB advances | | 4,396 | | | | 43 | | | | 3.86 | | % | | | 13,444 | | | | 133 | | | | 3.96 | | % | | | 11,539 | | | | 132 | | | | 4.53 | | % Subordinated debt, net of unamortized issuance costs 29,545 | | | | 304 | | | | 4.11 | | % | | | 29,522 | | | | 266 | | | | 3.61 | | % | | | 29,455 | | | | 266 | | | | 3.61 | | % Total interest bearing liabilities | | 1,558,335 | | | | 8,132 | | | | 2.09 | | % | | | 1,559,286 | | | | 8,247 | | | | 2.14 | | % | | | 1,449,725 | | | | 8,113 | | | | 2.24 | | % NONINTEREST BEARING LIABILITIES AND SHAREHOLDERS’ EQUITY Demand deposits | | 404,805 | | | | | | | | 411,011 | | | | | | | | 409,262 Other liabilities | | 17,462 | | | | | | | | 18,653 | | | | | | | | 14,158 Shareholders’ equity | | 237,994 | | | | | | | | 235,937 | | | | | | | | 219,542 Total liabilities and shareholders’ equity | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 Net interest income (FTE) (5) $ | | 18,214 | | | | | | | | $ | | 17,020 | | | | | | | | $ | | 15,307 Net yield on interest earning assets (FTE) (5) 3.54 | | % | | | | | | | 3.33 | | % | | | | | | | 3.14 | | % (1) Includes loans HFS and nonaccrual loans. (2) Average balances for AFS securities are based on amortized cost. (3) Includes FTE adjustments of $130,000, $138,000, and $178,000, respectively. (4) Includes average interest bearing deposits with other banks, net of FRB daily cash letter. (5) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Loan yield

5.9%

Average Balances, Interest Rates, and Net Interest Income The following schedules present the daily average amount outstanding for each major category of interest earning assets, non-earning assets, interest bearing liabilities, and noninterest bearing liabilities as of the dates and for the periods indicated. These schedules also present an analysis of interest income and interest expense for the periods indicated. All interest income is reported on a FTE basis using a federal income tax rate of 21%. Loans in nonaccrual status, for the purpose of the following computations, are included in the average loan balances. FRB restricted equity holdings are included in other interest earning assets. Three Months Ended June 30, 2026 | | | March 31, 2026 | | | June 30, 2025 (dollars in thousands) | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate | | | Average Balance | | | Tax Equivalent Interest | | | Average Yield / Rate INTEREST EARNING ASSETS Loans (1) $ | | 1,544,323 | | | | $ | | 22,607 | | | | 5.86 | | % | | | $ | | 1,501,654 | | | | $ | | 21,464 | | | | 5.78 | | % | | | $ | | 1,388,684 | | | | $ | | 19,832 | | | | 5.71 | | % AFS securities (2) Taxable | | 432,520 | | | | 2,902 | | | | 2.69 | | % | | | 430,376 | | | | 2,489 | | | | 2.35 | | % | | | 461,483 | | | | 2,513 | | | | 2.18 | | % Nontaxable (3) 63,607 | | | | 600 | | | | 3.78 | | % | | | 67,878 | | | | 637 | | | | 3.81 | | % | | | 72,869 | | | | 697 | | | | 3.84 | | % FHLB stock | | 5,600 | | | | 64 | | | | 4.55 | | % | | | 5,600 | | | | 75 | | | | 5.36 | | % | | | 5,600 | | | | 125 | | | | 8.94 | | % Federal funds sold | | 2 | | | | — | | | | 3.67 | | % | | | 7 | | | | — | | | | 3.54 | | % | | | 6 | | | | — | | | | 3.83 | | % Other (4) 18,079 | | | | 173 | | | | 3.81 | | % | | | 64,190 | | | | 602 | | | | 3.75 | | % | | | 20,487 | | | | 253 | | | | 4.92 | | % Total interest earning assets (3) 2,064,131 | | | | 26,346 | | | | 5.12 | | % | | | 2,069,705 | | | | 25,267 | | | | 4.94 | | % | | | 1,949,129 | | | | 23,420 | | | | 4.81 | | % NONEARNING ASSETS Allowance for credit losses | | (14,078) | | | | | | | | (13,680) | | | | | | | | (13,369) Cash and demand deposits due from banks | | 22,544 | | | | | | | | 23,113 | | | | | | | | 22,026 Premises and equipment | | 29,086 | | | | | | | | 29,110 | | | | | | | | 28,306 Other assets | | 116,913 | | | | | | | | 116,639 | | | | | | | | 106,595 Total assets | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 INTEREST BEARING LIABILITIES Interest bearing demand deposits | | $ | | 257,088 | | | | 205 | | | | 0.32 | | % | | | $ | | 266,101 | | | | 294 | | | | 0.45 | | % | | | $ | | 236,076 | | | | 220 | | | | 0.37 | | % Money market deposits | | 452,737 | | | | 2,625 | | | | 2.33 | | % | | | 464,438 | | | | 2,719 | | | | 2.37 | | % | | | 449,110 | | | | 2,857 | | | | 2.55 | | % Savings | | 302,375 | | | | 503 | | | | 0.67 | | % | | | 291,413 | | | | 488 | | | | 0.68 | | % | | | 286,434 | | | | 544 | | | | 0.76 | | % Certificates of deposit | | 396,481 | | | | 3,445 | | | | 3.49 | | % | | | 407,483 | | | | 3,611 | | | | 3.59 | | % | | | 395,450 | | | | 3,770 | | | | 3.82 | | % Short-term borrowings | | 115,713 | | | | 1,007 | | | | 3.49 | | % | | | 86,885 | | | | 736 | | | | 3.44 | | % | | | 41,661 | | | | 324 | | | | 3.11 | | % FHLB advances | | 4,396 | | | | 43 | | | | 3.86 | | % | | | 13,444 | | | | 133 | | | | 3.96 | | % | | | 11,539 | | | | 132 | | | | 4.53 | | % Subordinated debt, net of unamortized issuance costs 29,545 | | | | 304 | | | | 4.11 | | % | | | 29,522 | | | | 266 | | | | 3.61 | | % | | | 29,455 | | | | 266 | | | | 3.61 | | % Total interest bearing liabilities | | 1,558,335 | | | | 8,132 | | | | 2.09 | | % | | | 1,559,286 | | | | 8,247 | | | | 2.14 | | % | | | 1,449,725 | | | | 8,113 | | | | 2.24 | | % NONINTEREST BEARING LIABILITIES AND SHAREHOLDERS’ EQUITY Demand deposits | | 404,805 | | | | | | | | 411,011 | | | | | | | | 409,262 Other liabilities | | 17,462 | | | | | | | | 18,653 | | | | | | | | 14,158 Shareholders’ equity | | 237,994 | | | | | | | | 235,937 | | | | | | | | 219,542 Total liabilities and shareholders’ equity | | $ | | 2,218,596 | | | | | | | | $ | | 2,224,887 | | | | | | | | $ | | 2,092,687 Net interest income (FTE) (5) $ | | 18,214 | | | | | | | | $ | | 17,020 | | | | | | | | $ | | 15,307 Net yield on interest earning assets (FTE) (5) 3.54 | | % | | | | | | | 3.33 | | % | | | | | | | 3.14 | | % (1) Includes loans HFS and nonaccrual loans. (2) Average balances for AFS securities are based on amortized cost. (3) Includes FTE adjustments of $130,000, $138,000, and $178,000, respectively. (4) Includes average interest bearing deposits with other banks, net of FRB daily cash letter. (5) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Available lines of credit

$403.0M

Liquidity Liquidity is monitored regularly by our ALCO, which consists of members of senior management. The committee reviews projected cash flows, key ratios, and liquidity available from both primary and secondary sources. Our primary sources of liquidity are retail deposits, cash and cash equivalents, and unencumbered AFS securities. Cash, cash equivalents and unencumbered AFS securities totaled $237.9 million, or 10.72% of assets, as of June 30, 2026, compared to $337.0 million, or 15.25%, as of December 31, 2025. The decrease in the amount and percentage of primary liquidity is primarily due to a decrease in AFS securities, offset by an increase in cash and cash equivalents. Liquidity is important for financial institutions because of their need to meet loan funding commitments, depositor withdrawal requests, and various other commitments including expansion of operations, investment opportunities, and payment of cash dividends. Based on these same factors, daily liquidity could vary significantly. Our secondary sources include the ability to borrow from the FHLB, from the FRB, and through various correspondent banks in the form of federal funds purchased and lines of credit. These funding methods typically carry a higher interest rate than traditional market deposit accounts. Some borrowed funds, including FHLB advances, FRB Discount Window advances, and repurchase agreements, require us to pledge assets, typically in the form of AFS securities or loans, as collateral. As of June 30, 2026, we had available lines of credit of $403.0 million. We monitor our daily liquidity position to meet our cash flow needs. We also forecast anticipated funding needs for changes in interest rates and economic conditions, the scheduled maturity and interest rate sensitivity of the investment and loan portfolios and deposits, and regulatory capital requirements. Our liquidity stress testing is designed with consideration of these and other factors that could pose undue risk to liquidity. 53 Table of Contents Our liquidity position remained strong as of June 30, 2026, which is illustrated in the following table: (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 Total cash and cash equivalents | | $ | | 41,774 | | | | $ | | 50,105 | | | | $ | | 26,041 | | | | $ | | 161,301 | | | | $ | | 108,554 Brokered CD capacity | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 120,000 Available lines of credit Federal funds lines with correspondent banks | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 FHLB borrowings | | 276,278 | | | | 270,159 | | | | 218,088 | | | | 257,288 | | | | 249,890 FRB Discount Window | | 28,730 | | | | 29,511 | | | | 29,428 | | | | 29,267 | | | | 29,084 Other lines of credit | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 Total available lines of credit | | 403,008 | | | | 397,670 | | | | 345,516 | | | | 384,555 | | | | 376,974 Unencumbered lendable value of FRB collateral, estimated (1) 180,000 | | | | 240,000 | | | | 280,000 | | | | 300,000 | | | | 320,000 Total cash and liquidity | | $ | | 754,782 | | | | $ | | 817,775 | | | | $ | | 781,557 | | | | $ | | 975,856 | | | | $ | | 925,528 Uninsured deposits | | $ | | 673,868 | | | | $ | | 727,884 | | | | $ | | 695,537 | | | | $ | | 726,514 | | | | $ | | 726,240 Coverage ratio of uninsured deposits with total cash and liquidity | | 112 | | % | | | 112 | | % | | | 112 | | % | | | 134 | | % | | | 127 | | % (1) In cludes estimated unencumbered lendable value of FHLB collateral of $120.0 million as of June 30, 2026.

Primary liquidity

$237.9M

Liquidity Liquidity is monitored regularly by our ALCO, which consists of members of senior management. The committee reviews projected cash flows, key ratios, and liquidity available from both primary and secondary sources. Our primary sources of liquidity are retail deposits, cash and cash equivalents, and unencumbered AFS securities. Cash, cash equivalents and unencumbered AFS securities totaled $237.9 million, or 10.72% of assets, as of June 30, 2026, compared to $337.0 million, or 15.25%, as of December 31, 2025. The decrease in the amount and percentage of primary liquidity is primarily due to a decrease in AFS securities, offset by an increase in cash and cash equivalents. Liquidity is important for financial institutions because of their need to meet loan funding commitments, depositor withdrawal requests, and various other commitments including expansion of operations, investment opportunities, and payment of cash dividends. Based on these same factors, daily liquidity could vary significantly. Our secondary sources include the ability to borrow from the FHLB, from the FRB, and through various correspondent banks in the form of federal funds purchased and lines of credit. These funding methods typically carry a higher interest rate than traditional market deposit accounts. Some borrowed funds, including FHLB advances, FRB Discount Window advances, and repurchase agreements, require us to pledge assets, typically in the form of AFS securities or loans, as collateral. As of June 30, 2026, we had available lines of credit of $403.0 million. We monitor our daily liquidity position to meet our cash flow needs. We also forecast anticipated funding needs for changes in interest rates and economic conditions, the scheduled maturity and interest rate sensitivity of the investment and loan portfolios and deposits, and regulatory capital requirements. Our liquidity stress testing is designed with consideration of these and other factors that could pose undue risk to liquidity. 53 Table of Contents Our liquidity position remained strong as of June 30, 2026, which is illustrated in the following table: (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 Total cash and cash equivalents | | $ | | 41,774 | | | | $ | | 50,105 | | | | $ | | 26,041 | | | | $ | | 161,301 | | | | $ | | 108,554 Brokered CD capacity | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 120,000 Available lines of credit Federal funds lines with correspondent banks | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 FHLB borrowings | | 276,278 | | | | 270,159 | | | | 218,088 | | | | 257,288 | | | | 249,890 FRB Discount Window | | 28,730 | | | | 29,511 | | | | 29,428 | | | | 29,267 | | | | 29,084 Other lines of credit | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 Total available lines of credit | | 403,008 | | | | 397,670 | | | | 345,516 | | | | 384,555 | | | | 376,974 Unencumbered lendable value of FRB collateral, estimated (1) 180,000 | | | | 240,000 | | | | 280,000 | | | | 300,000 | | | | 320,000 Total cash and liquidity | | $ | | 754,782 | | | | $ | | 817,775 | | | | $ | | 781,557 | | | | $ | | 975,856 | | | | $ | | 925,528 Uninsured deposits | | $ | | 673,868 | | | | $ | | 727,884 | | | | $ | | 695,537 | | | | $ | | 726,514 | | | | $ | | 726,240 Coverage ratio of uninsured deposits with total cash and liquidity | | 112 | | % | | | 112 | | % | | | 112 | | % | | | 134 | | % | | | 127 | | % (1) In cludes estimated unencumbered lendable value of FHLB collateral of $120.0 million as of June 30, 2026.

Primary liquidity to assets

10.7%

Liquidity Liquidity is monitored regularly by our ALCO, which consists of members of senior management. The committee reviews projected cash flows, key ratios, and liquidity available from both primary and secondary sources. Our primary sources of liquidity are retail deposits, cash and cash equivalents, and unencumbered AFS securities. Cash, cash equivalents and unencumbered AFS securities totaled $237.9 million, or 10.72% of assets, as of June 30, 2026, compared to $337.0 million, or 15.25%, as of December 31, 2025. The decrease in the amount and percentage of primary liquidity is primarily due to a decrease in AFS securities, offset by an increase in cash and cash equivalents. Liquidity is important for financial institutions because of their need to meet loan funding commitments, depositor withdrawal requests, and various other commitments including expansion of operations, investment opportunities, and payment of cash dividends. Based on these same factors, daily liquidity could vary significantly. Our secondary sources include the ability to borrow from the FHLB, from the FRB, and through various correspondent banks in the form of federal funds purchased and lines of credit. These funding methods typically carry a higher interest rate than traditional market deposit accounts. Some borrowed funds, including FHLB advances, FRB Discount Window advances, and repurchase agreements, require us to pledge assets, typically in the form of AFS securities or loans, as collateral. As of June 30, 2026, we had available lines of credit of $403.0 million. We monitor our daily liquidity position to meet our cash flow needs. We also forecast anticipated funding needs for changes in interest rates and economic conditions, the scheduled maturity and interest rate sensitivity of the investment and loan portfolios and deposits, and regulatory capital requirements. Our liquidity stress testing is designed with consideration of these and other factors that could pose undue risk to liquidity. 53 Table of Contents Our liquidity position remained strong as of June 30, 2026, which is illustrated in the following table: (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 Total cash and cash equivalents | | $ | | 41,774 | | | | $ | | 50,105 | | | | $ | | 26,041 | | | | $ | | 161,301 | | | | $ | | 108,554 Brokered CD capacity | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 120,000 Available lines of credit Federal funds lines with correspondent banks | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 FHLB borrowings | | 276,278 | | | | 270,159 | | | | 218,088 | | | | 257,288 | | | | 249,890 FRB Discount Window | | 28,730 | | | | 29,511 | | | | 29,428 | | | | 29,267 | | | | 29,084 Other lines of credit | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 Total available lines of credit | | 403,008 | | | | 397,670 | | | | 345,516 | | | | 384,555 | | | | 376,974 Unencumbered lendable value of FRB collateral, estimated (1) 180,000 | | | | 240,000 | | | | 280,000 | | | | 300,000 | | | | 320,000 Total cash and liquidity | | $ | | 754,782 | | | | $ | | 817,775 | | | | $ | | 781,557 | | | | $ | | 975,856 | | | | $ | | 925,528 Uninsured deposits | | $ | | 673,868 | | | | $ | | 727,884 | | | | $ | | 695,537 | | | | $ | | 726,514 | | | | $ | | 726,240 Coverage ratio of uninsured deposits with total cash and liquidity | | 112 | | % | | | 112 | | % | | | 112 | | % | | | 134 | | % | | | 127 | | % (1) In cludes estimated unencumbered lendable value of FHLB collateral of $120.0 million as of June 30, 2026.

Total cash and liquidity

$754.8M

Liquidity Liquidity is monitored regularly by our ALCO, which consists of members of senior management. The committee reviews projected cash flows, key ratios, and liquidity available from both primary and secondary sources. Our primary sources of liquidity are retail deposits, cash and cash equivalents, and unencumbered AFS securities. Cash, cash equivalents and unencumbered AFS securities totaled $237.9 million, or 10.72% of assets, as of June 30, 2026, compared to $337.0 million, or 15.25%, as of December 31, 2025. The decrease in the amount and percentage of primary liquidity is primarily due to a decrease in AFS securities, offset by an increase in cash and cash equivalents. Liquidity is important for financial institutions because of their need to meet loan funding commitments, depositor withdrawal requests, and various other commitments including expansion of operations, investment opportunities, and payment of cash dividends. Based on these same factors, daily liquidity could vary significantly. Our secondary sources include the ability to borrow from the FHLB, from the FRB, and through various correspondent banks in the form of federal funds purchased and lines of credit. These funding methods typically carry a higher interest rate than traditional market deposit accounts. Some borrowed funds, including FHLB advances, FRB Discount Window advances, and repurchase agreements, require us to pledge assets, typically in the form of AFS securities or loans, as collateral. As of June 30, 2026, we had available lines of credit of $403.0 million. We monitor our daily liquidity position to meet our cash flow needs. We also forecast anticipated funding needs for changes in interest rates and economic conditions, the scheduled maturity and interest rate sensitivity of the investment and loan portfolios and deposits, and regulatory capital requirements. Our liquidity stress testing is designed with consideration of these and other factors that could pose undue risk to liquidity. 53 Table of Contents Our liquidity position remained strong as of June 30, 2026, which is illustrated in the following table: (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 Total cash and cash equivalents | | $ | | 41,774 | | | | $ | | 50,105 | | | | $ | | 26,041 | | | | $ | | 161,301 | | | | $ | | 108,554 Brokered CD capacity | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 120,000 Available lines of credit Federal funds lines with correspondent banks | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 FHLB borrowings | | 276,278 | | | | 270,159 | | | | 218,088 | | | | 257,288 | | | | 249,890 FRB Discount Window | | 28,730 | | | | 29,511 | | | | 29,428 | | | | 29,267 | | | | 29,084 Other lines of credit | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 Total available lines of credit | | 403,008 | | | | 397,670 | | | | 345,516 | | | | 384,555 | | | | 376,974 Unencumbered lendable value of FRB collateral, estimated (1) 180,000 | | | | 240,000 | | | | 280,000 | | | | 300,000 | | | | 320,000 Total cash and liquidity | | $ | | 754,782 | | | | $ | | 817,775 | | | | $ | | 781,557 | | | | $ | | 975,856 | | | | $ | | 925,528 Uninsured deposits | | $ | | 673,868 | | | | $ | | 727,884 | | | | $ | | 695,537 | | | | $ | | 726,514 | | | | $ | | 726,240 Coverage ratio of uninsured deposits with total cash and liquidity | | 112 | | % | | | 112 | | % | | | 112 | | % | | | 134 | | % | | | 127 | | % (1) In cludes estimated unencumbered lendable value of FHLB collateral of $120.0 million as of June 30, 2026.

Uninsured deposit liquidity coverage ratio

112.0%

Liquidity Liquidity is monitored regularly by our ALCO, which consists of members of senior management. The committee reviews projected cash flows, key ratios, and liquidity available from both primary and secondary sources. Our primary sources of liquidity are retail deposits, cash and cash equivalents, and unencumbered AFS securities. Cash, cash equivalents and unencumbered AFS securities totaled $237.9 million, or 10.72% of assets, as of June 30, 2026, compared to $337.0 million, or 15.25%, as of December 31, 2025. The decrease in the amount and percentage of primary liquidity is primarily due to a decrease in AFS securities, offset by an increase in cash and cash equivalents. Liquidity is important for financial institutions because of their need to meet loan funding commitments, depositor withdrawal requests, and various other commitments including expansion of operations, investment opportunities, and payment of cash dividends. Based on these same factors, daily liquidity could vary significantly. Our secondary sources include the ability to borrow from the FHLB, from the FRB, and through various correspondent banks in the form of federal funds purchased and lines of credit. These funding methods typically carry a higher interest rate than traditional market deposit accounts. Some borrowed funds, including FHLB advances, FRB Discount Window advances, and repurchase agreements, require us to pledge assets, typically in the form of AFS securities or loans, as collateral. As of June 30, 2026, we had available lines of credit of $403.0 million. We monitor our daily liquidity position to meet our cash flow needs. We also forecast anticipated funding needs for changes in interest rates and economic conditions, the scheduled maturity and interest rate sensitivity of the investment and loan portfolios and deposits, and regulatory capital requirements. Our liquidity stress testing is designed with consideration of these and other factors that could pose undue risk to liquidity. 53 Table of Contents Our liquidity position remained strong as of June 30, 2026, which is illustrated in the following table: (dollars in thousands) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 Total cash and cash equivalents | | $ | | 41,774 | | | | $ | | 50,105 | | | | $ | | 26,041 | | | | $ | | 161,301 | | | | $ | | 108,554 Brokered CD capacity | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 130,000 | | | | 120,000 Available lines of credit Federal funds lines with correspondent banks | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 | | | | 93,000 FHLB borrowings | | 276,278 | | | | 270,159 | | | | 218,088 | | | | 257,288 | | | | 249,890 FRB Discount Window | | 28,730 | | | | 29,511 | | | | 29,428 | | | | 29,267 | | | | 29,084 Other lines of credit | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 | | | | 5,000 Total available lines of credit | | 403,008 | | | | 397,670 | | | | 345,516 | | | | 384,555 | | | | 376,974 Unencumbered lendable value of FRB collateral, estimated (1) 180,000 | | | | 240,000 | | | | 280,000 | | | | 300,000 | | | | 320,000 Total cash and liquidity | | $ | | 754,782 | | | | $ | | 817,775 | | | | $ | | 781,557 | | | | $ | | 975,856 | | | | $ | | 925,528 Uninsured deposits | | $ | | 673,868 | | | | $ | | 727,884 | | | | $ | | 695,537 | | | | $ | | 726,514 | | | | $ | | 726,240 Coverage ratio of uninsured deposits with total cash and liquidity | | 112 | | % | | | 112 | | % | | | 112 | | % | | | 134 | | % | | | 127 | | % (1) In cludes estimated unencumbered lendable value of FHLB collateral of $120.0 million as of June 30, 2026.

Net interest margin yield (FTE)

3.5%

Selected Financial Data (Unaudited) The following table outlines our results of operations and provides certain performance measures as of the dates and for the periods indicated: Three Months Ended | | | Six Months Ended (dollars in thousands, except per share amounts) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 | | | June 30, 2026 | | | June 30, 2025 PER SHARE Basic earnings | | $ | | 0.69 | | | $ | | 0.68 | | | $ | | 0.64 | | | $ | | 0.71 | | | $ | | 0.68 | | | $ | | 1.37 | | | $ | | 1.21 Diluted earnings | | 0.69 | | | 0.68 | | | 0.64 | | | 0.71 | | | 0.68 | | | 1.37 | | | 1.21 Dividends | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.56 | | | 0.56 Book value (1) 32.60 | | | 31.90 | | | 31.60 | | | 30.94 | | | 29.95 | | | 32.60 | | | 29.95 Tangible book value (1) (2) 26.27 | | | 25.32 | | | 25.01 | | | 24.37 | | | 23.39 | | | 26.27 | | | 23.39 Market price (1) 39.50 | | | 45.67 | | | 50.00 | | | 35.25 | | | 30.15 | | | 39.50 | | | 30.15 PERFORMANCE RATIOS Return on average total assets | | 0.91 | | % | | | 0.91 | | % | | | 0.85 | | % | | | 0.94 | | % | | | 0.96 | | % | | | 0.91 | | % | | | 0.87 | | % Return on average shareholders’ equity | | 8.50 | | % | | | 8.58 | | % | | | 8.04 | | % | | | 9.28 | | % | | | 9.19 | | % | | | 8.54 | | % | | | 8.35 | | % Return on average tangible shareholders’ equity (2) 10.66 | | % | | | 10.79 | | % | | | 10.16 | | % | | | 11.83 | | % | | | 11.78 | | % | | | 10.72 | | % | | | 10.74 | | % Net interest margin yield (FTE) | | 3.54 | | % | | | 3.33 | | % | | | 3.28 | | % | | | 3.15 | | % | | | 3.14 | | % | | | 3.43 | | % | | | 3.10 | | % Efficiency ratio (2) 67.84 | | % | | | 68.50 | | % | | | 65.02 | | % | | | 67.62 | | % | | | 72.14 | | % | | | 68.16 | | % | | | 72.26 | | % Loan to deposit ratio (1) 87.83 | | % | | | 83.82 | | % | | | 84.43 | | % | | | 74.36 | | % | | | 75.57 | | % | | | 87.83 | | % | | | 75.57 | | % Shareholders’ equity to total assets (1) 11.20 | | % | | | 10.39 | | % | | | 10.47 | | % | | | 10.06 | | % | | | 10.23 | | % | | | 11.20 | | % | | | 10.23 | | % Tangible shareholders’ equity to tangible assets (1) (2) 9.23 | | % | | | 8.43 | | % | | | 8.47 | | % | | | 8.10 | | % | | | 8.17 | | % | | | 9.23 | | % | | | 8.17 | | % FINANCIAL DATA Total assets (1) $ | | 2,219,641 | | | $ | | 2,251,956 | | | $ | | 2,209,448 | | | $ | | 2,259,654 | | | $ | | 2,156,168 | | | $ | | 2,219,641 | | | | $ | | 2,156,168 AFS securities (1) 439,289 | | | 492,744 | | | 497,791 | | | 511,970 | | | 500,560 | | | 439,289 | | | 500,560 Loans (1) 1,589,672 | | | 1,558,941 | | | 1,536,364 | | | 1,431,905 | | | 1,397,513 | | | 1,589,672 | | | 1,397,513 ACL (1) 14,479 | | | 14,014 | | | 13,727 | | | 13,149 | | | 12,977 | | | 14,479 | | | 12,977 Deposits (1) 1,809,913 | | | 1,859,845 | | | 1,819,654 | | | 1,925,602 | | | 1,849,376 | | | 1,809,913 | | | 1,849,376 Borrowed funds (1) 145,571 | | | 143,067 | | | 142,514 | | | 91,514 | | | 72,677 | | | 145,571 | | | 72,677 Shareholders' equity (1) 248,704 | | | 233,961 | | | 231,396 | | | 227,420 | | | 220,500 | | | 248,704 | | | 220,500 Wealth assets under management (1) 750,840 | | | 701,510 | | | 707,118 | | | 679,724 | | | 678,959 | | | 750,840 | | | 678,959 Net income | | 5,041 | | | 4,992 | | | 4,690 | | | 5,240 | | | 5,031 | | | 10,033 | | | 8,980 Interest income | | 26,216 | | | 25,129 | | | 25,278 | | | 24,882 | | | 23,242 | | | 51,345 | | | 45,875 Interest expense | | 8,132 | | | 8,247 | | | 8,550 | | | 8,720 | | | 8,113 | | | 16,379 | | | 16,221 Net interest income | | 18,084 | | | 16,882 | | | 16,728 | | | 16,162 | | | 15,129 | | | 34,966 | | | 29,654 Provision for (reversal of) credit losses | | 895 | | | 604 | | | 434 | | | 209 | | | (1,099) | | | 1,499 | | | (1,206) Noninterest income | | 4,375 | | | 4,361 | | | 4,444 | | | 4,308 | | | 3,686 | | | 8,736 | | | 7,214 Noninterest expenses | | 15,386 | | | 14,662 | | | 13,921 | | | 13,985 | | | 13,745 | | | 30,048 | | | 27,044 (1) At end of period. (2) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Return on average shareholders' equity

8.5%

Selected Financial Data (Unaudited) The following table outlines our results of operations and provides certain performance measures as of the dates and for the periods indicated: Three Months Ended | | | Six Months Ended (dollars in thousands, except per share amounts) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 | | | June 30, 2026 | | | June 30, 2025 PER SHARE Basic earnings | | $ | | 0.69 | | | $ | | 0.68 | | | $ | | 0.64 | | | $ | | 0.71 | | | $ | | 0.68 | | | $ | | 1.37 | | | $ | | 1.21 Diluted earnings | | 0.69 | | | 0.68 | | | 0.64 | | | 0.71 | | | 0.68 | | | 1.37 | | | 1.21 Dividends | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.56 | | | 0.56 Book value (1) 32.60 | | | 31.90 | | | 31.60 | | | 30.94 | | | 29.95 | | | 32.60 | | | 29.95 Tangible book value (1) (2) 26.27 | | | 25.32 | | | 25.01 | | | 24.37 | | | 23.39 | | | 26.27 | | | 23.39 Market price (1) 39.50 | | | 45.67 | | | 50.00 | | | 35.25 | | | 30.15 | | | 39.50 | | | 30.15 PERFORMANCE RATIOS Return on average total assets | | 0.91 | | % | | | 0.91 | | % | | | 0.85 | | % | | | 0.94 | | % | | | 0.96 | | % | | | 0.91 | | % | | | 0.87 | | % Return on average shareholders’ equity | | 8.50 | | % | | | 8.58 | | % | | | 8.04 | | % | | | 9.28 | | % | | | 9.19 | | % | | | 8.54 | | % | | | 8.35 | | % Return on average tangible shareholders’ equity (2) 10.66 | | % | | | 10.79 | | % | | | 10.16 | | % | | | 11.83 | | % | | | 11.78 | | % | | | 10.72 | | % | | | 10.74 | | % Net interest margin yield (FTE) | | 3.54 | | % | | | 3.33 | | % | | | 3.28 | | % | | | 3.15 | | % | | | 3.14 | | % | | | 3.43 | | % | | | 3.10 | | % Efficiency ratio (2) 67.84 | | % | | | 68.50 | | % | | | 65.02 | | % | | | 67.62 | | % | | | 72.14 | | % | | | 68.16 | | % | | | 72.26 | | % Loan to deposit ratio (1) 87.83 | | % | | | 83.82 | | % | | | 84.43 | | % | | | 74.36 | | % | | | 75.57 | | % | | | 87.83 | | % | | | 75.57 | | % Shareholders’ equity to total assets (1) 11.20 | | % | | | 10.39 | | % | | | 10.47 | | % | | | 10.06 | | % | | | 10.23 | | % | | | 11.20 | | % | | | 10.23 | | % Tangible shareholders’ equity to tangible assets (1) (2) 9.23 | | % | | | 8.43 | | % | | | 8.47 | | % | | | 8.10 | | % | | | 8.17 | | % | | | 9.23 | | % | | | 8.17 | | % FINANCIAL DATA Total assets (1) $ | | 2,219,641 | | | $ | | 2,251,956 | | | $ | | 2,209,448 | | | $ | | 2,259,654 | | | $ | | 2,156,168 | | | $ | | 2,219,641 | | | | $ | | 2,156,168 AFS securities (1) 439,289 | | | 492,744 | | | 497,791 | | | 511,970 | | | 500,560 | | | 439,289 | | | 500,560 Loans (1) 1,589,672 | | | 1,558,941 | | | 1,536,364 | | | 1,431,905 | | | 1,397,513 | | | 1,589,672 | | | 1,397,513 ACL (1) 14,479 | | | 14,014 | | | 13,727 | | | 13,149 | | | 12,977 | | | 14,479 | | | 12,977 Deposits (1) 1,809,913 | | | 1,859,845 | | | 1,819,654 | | | 1,925,602 | | | 1,849,376 | | | 1,809,913 | | | 1,849,376 Borrowed funds (1) 145,571 | | | 143,067 | | | 142,514 | | | 91,514 | | | 72,677 | | | 145,571 | | | 72,677 Shareholders' equity (1) 248,704 | | | 233,961 | | | 231,396 | | | 227,420 | | | 220,500 | | | 248,704 | | | 220,500 Wealth assets under management (1) 750,840 | | | 701,510 | | | 707,118 | | | 679,724 | | | 678,959 | | | 750,840 | | | 678,959 Net income | | 5,041 | | | 4,992 | | | 4,690 | | | 5,240 | | | 5,031 | | | 10,033 | | | 8,980 Interest income | | 26,216 | | | 25,129 | | | 25,278 | | | 24,882 | | | 23,242 | | | 51,345 | | | 45,875 Interest expense | | 8,132 | | | 8,247 | | | 8,550 | | | 8,720 | | | 8,113 | | | 16,379 | | | 16,221 Net interest income | | 18,084 | | | 16,882 | | | 16,728 | | | 16,162 | | | 15,129 | | | 34,966 | | | 29,654 Provision for (reversal of) credit losses | | 895 | | | 604 | | | 434 | | | 209 | | | (1,099) | | | 1,499 | | | (1,206) Noninterest income | | 4,375 | | | 4,361 | | | 4,444 | | | 4,308 | | | 3,686 | | | 8,736 | | | 7,214 Noninterest expenses | | 15,386 | | | 14,662 | | | 13,921 | | | 13,985 | | | 13,745 | | | 30,048 | | | 27,044 (1) At end of period. (2) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Return on average tangible shareholders' equity

10.7%

Selected Financial Data (Unaudited) The following table outlines our results of operations and provides certain performance measures as of the dates and for the periods indicated: Three Months Ended | | | Six Months Ended (dollars in thousands, except per share amounts) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 | | | June 30, 2026 | | | June 30, 2025 PER SHARE Basic earnings | | $ | | 0.69 | | | $ | | 0.68 | | | $ | | 0.64 | | | $ | | 0.71 | | | $ | | 0.68 | | | $ | | 1.37 | | | $ | | 1.21 Diluted earnings | | 0.69 | | | 0.68 | | | 0.64 | | | 0.71 | | | 0.68 | | | 1.37 | | | 1.21 Dividends | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.56 | | | 0.56 Book value (1) 32.60 | | | 31.90 | | | 31.60 | | | 30.94 | | | 29.95 | | | 32.60 | | | 29.95 Tangible book value (1) (2) 26.27 | | | 25.32 | | | 25.01 | | | 24.37 | | | 23.39 | | | 26.27 | | | 23.39 Market price (1) 39.50 | | | 45.67 | | | 50.00 | | | 35.25 | | | 30.15 | | | 39.50 | | | 30.15 PERFORMANCE RATIOS Return on average total assets | | 0.91 | | % | | | 0.91 | | % | | | 0.85 | | % | | | 0.94 | | % | | | 0.96 | | % | | | 0.91 | | % | | | 0.87 | | % Return on average shareholders’ equity | | 8.50 | | % | | | 8.58 | | % | | | 8.04 | | % | | | 9.28 | | % | | | 9.19 | | % | | | 8.54 | | % | | | 8.35 | | % Return on average tangible shareholders’ equity (2) 10.66 | | % | | | 10.79 | | % | | | 10.16 | | % | | | 11.83 | | % | | | 11.78 | | % | | | 10.72 | | % | | | 10.74 | | % Net interest margin yield (FTE) | | 3.54 | | % | | | 3.33 | | % | | | 3.28 | | % | | | 3.15 | | % | | | 3.14 | | % | | | 3.43 | | % | | | 3.10 | | % Efficiency ratio (2) 67.84 | | % | | | 68.50 | | % | | | 65.02 | | % | | | 67.62 | | % | | | 72.14 | | % | | | 68.16 | | % | | | 72.26 | | % Loan to deposit ratio (1) 87.83 | | % | | | 83.82 | | % | | | 84.43 | | % | | | 74.36 | | % | | | 75.57 | | % | | | 87.83 | | % | | | 75.57 | | % Shareholders’ equity to total assets (1) 11.20 | | % | | | 10.39 | | % | | | 10.47 | | % | | | 10.06 | | % | | | 10.23 | | % | | | 11.20 | | % | | | 10.23 | | % Tangible shareholders’ equity to tangible assets (1) (2) 9.23 | | % | | | 8.43 | | % | | | 8.47 | | % | | | 8.10 | | % | | | 8.17 | | % | | | 9.23 | | % | | | 8.17 | | % FINANCIAL DATA Total assets (1) $ | | 2,219,641 | | | $ | | 2,251,956 | | | $ | | 2,209,448 | | | $ | | 2,259,654 | | | $ | | 2,156,168 | | | $ | | 2,219,641 | | | | $ | | 2,156,168 AFS securities (1) 439,289 | | | 492,744 | | | 497,791 | | | 511,970 | | | 500,560 | | | 439,289 | | | 500,560 Loans (1) 1,589,672 | | | 1,558,941 | | | 1,536,364 | | | 1,431,905 | | | 1,397,513 | | | 1,589,672 | | | 1,397,513 ACL (1) 14,479 | | | 14,014 | | | 13,727 | | | 13,149 | | | 12,977 | | | 14,479 | | | 12,977 Deposits (1) 1,809,913 | | | 1,859,845 | | | 1,819,654 | | | 1,925,602 | | | 1,849,376 | | | 1,809,913 | | | 1,849,376 Borrowed funds (1) 145,571 | | | 143,067 | | | 142,514 | | | 91,514 | | | 72,677 | | | 145,571 | | | 72,677 Shareholders' equity (1) 248,704 | | | 233,961 | | | 231,396 | | | 227,420 | | | 220,500 | | | 248,704 | | | 220,500 Wealth assets under management (1) 750,840 | | | 701,510 | | | 707,118 | | | 679,724 | | | 678,959 | | | 750,840 | | | 678,959 Net income | | 5,041 | | | 4,992 | | | 4,690 | | | 5,240 | | | 5,031 | | | 10,033 | | | 8,980 Interest income | | 26,216 | | | 25,129 | | | 25,278 | | | 24,882 | | | 23,242 | | | 51,345 | | | 45,875 Interest expense | | 8,132 | | | 8,247 | | | 8,550 | | | 8,720 | | | 8,113 | | | 16,379 | | | 16,221 Net interest income | | 18,084 | | | 16,882 | | | 16,728 | | | 16,162 | | | 15,129 | | | 34,966 | | | 29,654 Provision for (reversal of) credit losses | | 895 | | | 604 | | | 434 | | | 209 | | | (1,099) | | | 1,499 | | | (1,206) Noninterest income | | 4,375 | | | 4,361 | | | 4,444 | | | 4,308 | | | 3,686 | | | 8,736 | | | 7,214 Noninterest expenses | | 15,386 | | | 14,662 | | | 13,921 | | | 13,985 | | | 13,745 | | | 30,048 | | | 27,044 (1) At end of period. (2) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Return on average total assets

0.9%

Selected Financial Data (Unaudited) The following table outlines our results of operations and provides certain performance measures as of the dates and for the periods indicated: Three Months Ended | | | Six Months Ended (dollars in thousands, except per share amounts) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 | | | June 30, 2026 | | | June 30, 2025 PER SHARE Basic earnings | | $ | | 0.69 | | | $ | | 0.68 | | | $ | | 0.64 | | | $ | | 0.71 | | | $ | | 0.68 | | | $ | | 1.37 | | | $ | | 1.21 Diluted earnings | | 0.69 | | | 0.68 | | | 0.64 | | | 0.71 | | | 0.68 | | | 1.37 | | | 1.21 Dividends | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.56 | | | 0.56 Book value (1) 32.60 | | | 31.90 | | | 31.60 | | | 30.94 | | | 29.95 | | | 32.60 | | | 29.95 Tangible book value (1) (2) 26.27 | | | 25.32 | | | 25.01 | | | 24.37 | | | 23.39 | | | 26.27 | | | 23.39 Market price (1) 39.50 | | | 45.67 | | | 50.00 | | | 35.25 | | | 30.15 | | | 39.50 | | | 30.15 PERFORMANCE RATIOS Return on average total assets | | 0.91 | | % | | | 0.91 | | % | | | 0.85 | | % | | | 0.94 | | % | | | 0.96 | | % | | | 0.91 | | % | | | 0.87 | | % Return on average shareholders’ equity | | 8.50 | | % | | | 8.58 | | % | | | 8.04 | | % | | | 9.28 | | % | | | 9.19 | | % | | | 8.54 | | % | | | 8.35 | | % Return on average tangible shareholders’ equity (2) 10.66 | | % | | | 10.79 | | % | | | 10.16 | | % | | | 11.83 | | % | | | 11.78 | | % | | | 10.72 | | % | | | 10.74 | | % Net interest margin yield (FTE) | | 3.54 | | % | | | 3.33 | | % | | | 3.28 | | % | | | 3.15 | | % | | | 3.14 | | % | | | 3.43 | | % | | | 3.10 | | % Efficiency ratio (2) 67.84 | | % | | | 68.50 | | % | | | 65.02 | | % | | | 67.62 | | % | | | 72.14 | | % | | | 68.16 | | % | | | 72.26 | | % Loan to deposit ratio (1) 87.83 | | % | | | 83.82 | | % | | | 84.43 | | % | | | 74.36 | | % | | | 75.57 | | % | | | 87.83 | | % | | | 75.57 | | % Shareholders’ equity to total assets (1) 11.20 | | % | | | 10.39 | | % | | | 10.47 | | % | | | 10.06 | | % | | | 10.23 | | % | | | 11.20 | | % | | | 10.23 | | % Tangible shareholders’ equity to tangible assets (1) (2) 9.23 | | % | | | 8.43 | | % | | | 8.47 | | % | | | 8.10 | | % | | | 8.17 | | % | | | 9.23 | | % | | | 8.17 | | % FINANCIAL DATA Total assets (1) $ | | 2,219,641 | | | $ | | 2,251,956 | | | $ | | 2,209,448 | | | $ | | 2,259,654 | | | $ | | 2,156,168 | | | $ | | 2,219,641 | | | | $ | | 2,156,168 AFS securities (1) 439,289 | | | 492,744 | | | 497,791 | | | 511,970 | | | 500,560 | | | 439,289 | | | 500,560 Loans (1) 1,589,672 | | | 1,558,941 | | | 1,536,364 | | | 1,431,905 | | | 1,397,513 | | | 1,589,672 | | | 1,397,513 ACL (1) 14,479 | | | 14,014 | | | 13,727 | | | 13,149 | | | 12,977 | | | 14,479 | | | 12,977 Deposits (1) 1,809,913 | | | 1,859,845 | | | 1,819,654 | | | 1,925,602 | | | 1,849,376 | | | 1,809,913 | | | 1,849,376 Borrowed funds (1) 145,571 | | | 143,067 | | | 142,514 | | | 91,514 | | | 72,677 | | | 145,571 | | | 72,677 Shareholders' equity (1) 248,704 | | | 233,961 | | | 231,396 | | | 227,420 | | | 220,500 | | | 248,704 | | | 220,500 Wealth assets under management (1) 750,840 | | | 701,510 | | | 707,118 | | | 679,724 | | | 678,959 | | | 750,840 | | | 678,959 Net income | | 5,041 | | | 4,992 | | | 4,690 | | | 5,240 | | | 5,031 | | | 10,033 | | | 8,980 Interest income | | 26,216 | | | 25,129 | | | 25,278 | | | 24,882 | | | 23,242 | | | 51,345 | | | 45,875 Interest expense | | 8,132 | | | 8,247 | | | 8,550 | | | 8,720 | | | 8,113 | | | 16,379 | | | 16,221 Net interest income | | 18,084 | | | 16,882 | | | 16,728 | | | 16,162 | | | 15,129 | | | 34,966 | | | 29,654 Provision for (reversal of) credit losses | | 895 | | | 604 | | | 434 | | | 209 | | | (1,099) | | | 1,499 | | | (1,206) Noninterest income | | 4,375 | | | 4,361 | | | 4,444 | | | 4,308 | | | 3,686 | | | 8,736 | | | 7,214 Noninterest expenses | | 15,386 | | | 14,662 | | | 13,921 | | | 13,985 | | | 13,745 | | | 30,048 | | | 27,044 (1) At end of period. (2) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.

Wealth assets under management

$750.8M

Selected Financial Data (Unaudited) The following table outlines our results of operations and provides certain performance measures as of the dates and for the periods indicated: Three Months Ended | | | Six Months Ended (dollars in thousands, except per share amounts) | | June 30, 2026 | | | March 31, 2026 | | | December 31, 2025 | | | September 30, 2025 | | | June 30, 2025 | | | June 30, 2026 | | | June 30, 2025 PER SHARE Basic earnings | | $ | | 0.69 | | | $ | | 0.68 | | | $ | | 0.64 | | | $ | | 0.71 | | | $ | | 0.68 | | | $ | | 1.37 | | | $ | | 1.21 Diluted earnings | | 0.69 | | | 0.68 | | | 0.64 | | | 0.71 | | | 0.68 | | | 1.37 | | | 1.21 Dividends | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.28 | | | 0.56 | | | 0.56 Book value (1) 32.60 | | | 31.90 | | | 31.60 | | | 30.94 | | | 29.95 | | | 32.60 | | | 29.95 Tangible book value (1) (2) 26.27 | | | 25.32 | | | 25.01 | | | 24.37 | | | 23.39 | | | 26.27 | | | 23.39 Market price (1) 39.50 | | | 45.67 | | | 50.00 | | | 35.25 | | | 30.15 | | | 39.50 | | | 30.15 PERFORMANCE RATIOS Return on average total assets | | 0.91 | | % | | | 0.91 | | % | | | 0.85 | | % | | | 0.94 | | % | | | 0.96 | | % | | | 0.91 | | % | | | 0.87 | | % Return on average shareholders’ equity | | 8.50 | | % | | | 8.58 | | % | | | 8.04 | | % | | | 9.28 | | % | | | 9.19 | | % | | | 8.54 | | % | | | 8.35 | | % Return on average tangible shareholders’ equity (2) 10.66 | | % | | | 10.79 | | % | | | 10.16 | | % | | | 11.83 | | % | | | 11.78 | | % | | | 10.72 | | % | | | 10.74 | | % Net interest margin yield (FTE) | | 3.54 | | % | | | 3.33 | | % | | | 3.28 | | % | | | 3.15 | | % | | | 3.14 | | % | | | 3.43 | | % | | | 3.10 | | % Efficiency ratio (2) 67.84 | | % | | | 68.50 | | % | | | 65.02 | | % | | | 67.62 | | % | | | 72.14 | | % | | | 68.16 | | % | | | 72.26 | | % Loan to deposit ratio (1) 87.83 | | % | | | 83.82 | | % | | | 84.43 | | % | | | 74.36 | | % | | | 75.57 | | % | | | 87.83 | | % | | | 75.57 | | % Shareholders’ equity to total assets (1) 11.20 | | % | | | 10.39 | | % | | | 10.47 | | % | | | 10.06 | | % | | | 10.23 | | % | | | 11.20 | | % | | | 10.23 | | % Tangible shareholders’ equity to tangible assets (1) (2) 9.23 | | % | | | 8.43 | | % | | | 8.47 | | % | | | 8.10 | | % | | | 8.17 | | % | | | 9.23 | | % | | | 8.17 | | % FINANCIAL DATA Total assets (1) $ | | 2,219,641 | | | $ | | 2,251,956 | | | $ | | 2,209,448 | | | $ | | 2,259,654 | | | $ | | 2,156,168 | | | $ | | 2,219,641 | | | | $ | | 2,156,168 AFS securities (1) 439,289 | | | 492,744 | | | 497,791 | | | 511,970 | | | 500,560 | | | 439,289 | | | 500,560 Loans (1) 1,589,672 | | | 1,558,941 | | | 1,536,364 | | | 1,431,905 | | | 1,397,513 | | | 1,589,672 | | | 1,397,513 ACL (1) 14,479 | | | 14,014 | | | 13,727 | | | 13,149 | | | 12,977 | | | 14,479 | | | 12,977 Deposits (1) 1,809,913 | | | 1,859,845 | | | 1,819,654 | | | 1,925,602 | | | 1,849,376 | | | 1,809,913 | | | 1,849,376 Borrowed funds (1) 145,571 | | | 143,067 | | | 142,514 | | | 91,514 | | | 72,677 | | | 145,571 | | | 72,677 Shareholders' equity (1) 248,704 | | | 233,961 | | | 231,396 | | | 227,420 | | | 220,500 | | | 248,704 | | | 220,500 Wealth assets under management (1) 750,840 | | | 701,510 | | | 707,118 | | | 679,724 | | | 678,959 | | | 750,840 | | | 678,959 Net income | | 5,041 | | | 4,992 | | | 4,690 | | | 5,240 | | | 5,031 | | | 10,033 | | | 8,980 Interest income | | 26,216 | | | 25,129 | | | 25,278 | | | 24,882 | | | 23,242 | | | 51,345 | | | 45,875 Interest expense | | 8,132 | | | 8,247 | | | 8,550 | | | 8,720 | | | 8,113 | | | 16,379 | | | 16,221 Net interest income | | 18,084 | | | 16,882 | | | 16,728 | | | 16,162 | | | 15,129 | | | 34,966 | | | 29,654 Provision for (reversal of) credit losses | | 895 | | | 604 | | | 434 | | | 209 | | | (1,099) | | | 1,499 | | | (1,206) Noninterest income | | 4,375 | | | 4,361 | | | 4,444 | | | 4,308 | | | 3,686 | | | 8,736 | | | 7,214 Noninterest expenses | | 15,386 | | | 14,662 | | | 13,921 | | | 13,985 | | | 13,745 | | | 30,048 | | | 27,044 (1) At end of period. (2) Non-GAAP financial measure; refer to the "Reconciliation of Non-GAAP Financial Measures" section of this Form 10-Q.