{"id":43973,"date":"2026-07-24T01:30:00","date_gmt":"2026-07-23T23:30:00","guid":{"rendered":"http:\/\/stocks-future.com\/?guid=b61535472f8bc9876afe87a2e5f5dd8c"},"modified":"2026-07-24T01:30:00","modified_gmt":"2026-07-23T23:30:00","slug":"op-bancorp-reports-second-quarter-2026-net-income-of-8-0-million-diluted-eps-of-0-53","status":"publish","type":"post","link":"https:\/\/stocks-future.com\/?p=43973","title":{"rendered":"OP Bancorp Reports Second Quarter 2026 Net Income of $8.0 Million, Diluted EPS of $0.53"},"content":{"rendered":"

\ncompared with first quarter 2026 net income of $7.2 million, diluted EPS of $0.48,\u00a0and second quarter 2025 net income of $6.3 million, diluted EPS of $0.42<\/p>

\nRevenue growth; reversal of provision for credit losses; improved operating efficiency<\/b><\/p>

LOS ANGELES--(BUSINESS WIRE)--OP Bancorp (the \u201cCompany\u201d) (NASDAQ: OPBK), parent company of Open Bank, today reported:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td><\/tr>\n

\n($ in thousands, except per share data)<\/p><\/td>

\n\u00a0<\/p><\/td>

\nAs of and For the Quarter<\/b><\/p><\/td>

\n\u00a0<\/p><\/td>

\nFirst Quarter Highlights<\/b><\/p><\/td><\/tr>\n

\n\u00a0<\/p><\/td>

\n2Q2026<\/b><\/p><\/td>

\n\u00a0<\/p><\/td>

\n1Q2026<\/b><\/p><\/td>

\n\u00a0<\/p><\/td>

\n2Q2025<\/b><\/p><\/td>

\n\u00a0<\/p><\/td>

\nComparisons reflect 2Q26 vs. 1Q26<\/p><\/td><\/tr>\n

\nIncome Statement:<\/b><\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\nIncome Statement<\/b><\/p><\/td><\/tr>\n

\nNet interest income<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n20,068<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n20,523<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n19,721<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

    \n
  • \nRevenue continued to grow.<\/li>\n
  • \nReversal of provision reflected the payoff of a previously reserved nonaccrual CRE loan.<\/li>\n
  • \nNet income increased 10%, benefiting from strong revenue growth and reversal of provision.<\/li>\n
  • \nDiluted EPS improved by $0.05 to $0.53.<\/li>\n
  • \nNet interest margin decreased due to a one-time accrual adjustment related to Federal Reserve account.<\/li>\n<\/ul>\n<\/td><\/tr>\n

\nNoninterest income<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n5,651<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n4,032<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n3,968<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td><\/tr>\n

\nRevenue<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n25,719<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n24,555<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n23,689<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td><\/tr>\n

\n(Reversal of) provision for credit losses<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n(149<\/p><\/td>

\n)<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n412<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n1,206<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td><\/tr>\n

\nNoninterest expense<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n14,826<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n14,233<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n14,037<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td><\/tr>\n

\nNet income<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n7,978<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n7,234<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n6,333<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td><\/tr>\n

\nDiluted Earnings Per Share (\u201cEPS\u201d)<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n0.53<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n0.48<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n0.42<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td><\/tr>\n

\nNet interest margin (1)<\/sup><\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n3.08<\/p><\/td>

\n%<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n3.19<\/p><\/td>

\n%<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n3.23<\/p><\/td>

\n%<\/p><\/td>

\n\u00a0<\/p><\/td><\/tr>\n

\nEfficiency ratio (2)<\/sup><\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n57.64<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n57.97<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n59.25<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td><\/tr>\n

\nBalance Sheet:<\/b><\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\nBalance Sheet<\/b><\/p><\/td><\/tr>\n

\nAverage loans (3)<\/sup><\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n2,253,270<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n2,226,749<\/p><\/td>

\n

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n2,095,168<\/p><\/td>

\n

\n\u00a0<\/p><\/td>

    \n
  • \nAverage loans increased 1%.<\/li>\n<\/ul>\n<\/td><\/tr>\n

\nAverage deposits<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n2,315,821<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n2,300,455<\/p><\/td>

\n

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n2,223,575<\/p><\/td>

\n

\n\u00a0<\/p><\/td>

    \n
  • \nAverage deposits increased 1%.<\/li>\n<\/ul>\n<\/td><\/tr>\n

\nCredit Quality:<\/b><\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\nCredit Quality<\/b><\/p><\/td><\/tr>\n

\nNet charge-offs (recoveries) (1)<\/sup> to average gross loans<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n0.03<\/p><\/td>

\n%<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n(0.01<\/p><\/td>

\n)%<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n0.06<\/p><\/td>

\n%<\/p><\/td>

\n\u00a0<\/p><\/td>

    \n
  • \nNet charge-offs remained low.<\/li>\n<\/ul>\n<\/td><\/tr>\n

\nAllowance for credit losses on loans to gross loans<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n1.24<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n1.27<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n1.27<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

    \n
  • \nAllowance coverage remained robust at 1.24% of gross loans.<\/li>\n<\/ul>\n<\/td><\/tr>\n

\nSelected Ratios:<\/b><\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\nPerformance and Capital<\/b><\/p><\/td><\/tr>\n

\nBook value per share<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n15.99<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n15.62<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n$<\/p><\/td>

\n14.36<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

    \n
  • \nBook value per share continued to increase, reflecting growth in stockholders\u2019 equity.<\/li>\n<\/ul>\n<\/td><\/tr>\n

\nReturn on average assets (\"ROAA\") (1)<\/sup><\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n1.18<\/p><\/td>

\n%<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n1.08<\/p><\/td>

\n%<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n1.00<\/p><\/td>

\n%<\/p><\/td>

\n\u00a0<\/p><\/td>

    \n
  • \nROAA and ROAE improved, reflecting stronger profitability<\/li>\n<\/ul>\n<\/td><\/tr>\n

\nReturn on average equity (\"ROAE\") (1)<\/sup><\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n13.61<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n12.56<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n11.97<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td><\/tr>\n

\nStockholders' equity to asset ratio<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n8.70<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n8.62<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n8.34<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

    \n
  • \nStockholders\u2019 equity to asset increased, supporting the Company\u2019s capital strength.<\/li>\n<\/ul>\n<\/td><\/tr>\n

\nCommon equity tier 1 capital (\u201cCET1\u201d)<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n10.98<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n10.83<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

\n11.01<\/p><\/td>

\n\u00a0<\/p><\/td>

\n\u00a0<\/p><\/td>

    \n
  • \nCET1 remained robust, reflecting a solid capital position.<\/li>\n<\/ul>\n<\/td><\/tr>\n<\/table>\n\n\n\n
    (1)<\/td>\n\n

    \nAnnualized.<\/p><\/td><\/tr>\n

    (2)<\/td>\n\n

    \nRepresents noninterest expense divided by the sum of net interest income and noninterest income.<\/p><\/td><\/tr>\n

    (3)<\/td>\n\n

    \nIncludes loans held-for-sale.<\/p><\/td><\/tr>\n<\/table>

    \nSang K. Oh, President and Chief Executive Officer:<\/b><\/p>

    \n\u201cWe delivered another quarter of strong financial performance, highlighted by net income of $8.0 million and diluted EPS of $0.53. Our results were driven by continued revenue growth, a reversal of provision for credit losses reflecting the strength of our credit portfolio, and ongoing improvements in operating efficiency. We also maintained solid balance sheet growth, with increases in both loans and deposits, while preserving strong asset quality and capital levels. As we enter the second half of 2026, we remain committed to driving sustainable growth while maintaining disciplined risk management and operating efficiency,\u201d said Sang K. Oh, President and Chief Executive Officer.<\/p>

    \nINCOME STATEMENT HIGHLIGHTS<\/b><\/p>

    \nNet Interest Income and Net Interest Margin<\/b><\/p>\n\n\n\n\n\n\n\n

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td><\/tr>\n

    \n($ in thousands)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nFor the Three Months Ended<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n% Change 2Q2026 vs.<\/b><\/p><\/td><\/tr>\n

    \n\u00a0<\/p><\/td>

    \n2Q2026<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1Q2026<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2Q2025<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1Q2026<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2Q2025<\/b><\/p><\/td><\/tr>\n

    \nInterest Income<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td><\/tr>\n

    \nInterest income<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n38,193<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n38,537<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n37,665<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(1<\/p><\/td>

    \n)%<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1<\/p><\/td>

    \n%<\/p><\/td><\/tr>\n

    \nInterest expense<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n18,125<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n18,014<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n17,944<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1<\/p><\/td>

    \n\u00a0<\/p><\/td><\/tr>\n

    \nNet interest income<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n20,068<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n20,523<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n19,721<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(2<\/p><\/td>

    \n)%<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2<\/p><\/td>

    \n%<\/p><\/td><\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td><\/tr>\n

    \n($ in thousands)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nFor the Three Months Ended<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nAverage Yield\/Rate Change 2Q2026 vs.<\/b><\/p><\/td><\/tr>\n

    \n\u00a0<\/p><\/td>

    \n2Q2026<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1Q2026<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2Q2025<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td><\/tr>\n

    \n\u00a0<\/p><\/td>

    \nInterest Income\/Expense<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nAverage Yield\/Rate(1)<\/sup><\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nInterest Income\/Expense<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nAverage Yield\/Rate(1)<\/sup><\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nInterest Income\/Expense<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nAverage Yield\/Rate(1)<\/sup><\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1Q2026<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2Q2025<\/b><\/p><\/td><\/tr>\n

    \nInterest-earning Assets:<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td><\/tr>\n

    \nLoans<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n35,731<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n6.36<\/p><\/td>

    \n%<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n34,879<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n6.33<\/p><\/td>

    \n%<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n34,263<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n6.56<\/p><\/td>

    \n%<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3 bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(20) bps<\/p><\/td><\/tr>\n

    \nTotal interest-earning assets<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n38,193<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n5.87<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n38,537<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n6.00<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n37,665<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n6.18<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(13) bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(31) bps<\/p><\/td><\/tr>\n

    \nInterest-bearing Liabilities:<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td><\/tr>\n

    \nInterest-bearing deposits<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n16,891<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3.77<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n16,845<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3.83<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n17,475<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n4.18<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(6) bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(41) bps<\/p><\/td><\/tr>\n

    \nTotal interest-bearing liabilities<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n18,125<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3.82<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n18,014<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3.88<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n17,944<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n4.18<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(6) bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(36) bps<\/p><\/td><\/tr>\n

    \nRatios:<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td><\/tr>\n

    \nNet interest income \/ interest rate spreads<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n20,068<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2.05<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n20,523<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2.12<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n19,721<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2.00<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(7) bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n5 bps<\/p><\/td><\/tr>\n

    \nNet interest margin<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3.08<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3.19<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3.23<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(11) bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(15) bps<\/p><\/td><\/tr>\n

    \nTotal deposits \/ cost of deposits<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n16,891<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2.93<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n16,845<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2.97<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n17,475<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3.15<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(4) bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(22) bps<\/p><\/td><\/tr>\n

    \nTotal funding liabilities \/ cost of funds<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n18,125<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3.00<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n18,014<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3.04<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n17,944<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3.17<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(4) bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(17) bps<\/p><\/td><\/tr>\n<\/table>\n\n\n
    (1)<\/td>\n\n

    \nAnnualized.<\/p><\/td><\/tr>\n

    \n\n\u00a0<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td><\/tr>\n

    \n($ in thousands)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nFor the Three Months Ended<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nAverage Yield Change 2Q2026 vs.<\/b><\/p><\/td><\/tr>\n

    \n\u00a0<\/p><\/td>

    \n2Q2026<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1Q2026<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2Q2025<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td><\/tr>\n

    \n\u00a0<\/p><\/td>

    \nInterest Income<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nAverage Yield (1)<\/sup><\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nInterest Income<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nAverage<\/b><\/p>

    \nYield (1)<\/sup><\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nInterest Income<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \nAverage Yield (1)<\/sup><\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1Q2026<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2Q2025<\/b><\/p><\/td><\/tr>\n

    \nLoan Yield Component:<\/b><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td><\/tr>\n

    \nContractual interest rate<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n35,335<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n6.29<\/p><\/td>

    \n%<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n34,254<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n6.22<\/p><\/td>

    \n%<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n33,304<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n6.37<\/p><\/td>

    \n%<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n7 bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(8) bps<\/p><\/td><\/tr>\n

    \nAccretion of SBA loan discount (2)<\/sup><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n687<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n0.12<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n815<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n0.15<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n785<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n0.15<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(3) bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(3) bps<\/p><\/td><\/tr>\n

    \nAmortization of net deferred fees<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n64<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n0.01<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n127<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n0.02<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(60<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(0.01<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(1) bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n2 bps<\/p><\/td><\/tr>\n

    \nAmortization of premium<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(293<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(0.05<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(312<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(0.06<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(329<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(0.06<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1 bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1 bps<\/p><\/td><\/tr>\n

    \nAmortization of premium - Home mortgage payoffs<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(173<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(0.03<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(186<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(0.03<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(63<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(0.01<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u2014 bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(2) bps<\/p><\/td><\/tr>\n

    \nNet interest recognized on nonaccrual loans<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(68<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(0.01<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(94<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(0.02<\/p><\/td>

    \n)<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n295<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n0.06<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n1 bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(7) bps<\/p><\/td><\/tr>\n

    \nPrepayment penalty income and other fees (3)<\/sup><\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n179<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n0.03<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n275<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n0.05<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n331<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n0.06<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(2) bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(3) bps<\/p><\/td><\/tr>\n

    \nYield on loans<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n35,731<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n6.36<\/p><\/td>

    \n%<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n34,879<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n6.33<\/p><\/td>

    \n%<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n$<\/p><\/td>

    \n34,263<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n6.56<\/p><\/td>

    \n%<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n3 bps<\/p><\/td>

    \n\u00a0<\/p><\/td>

    \n(20) bps<\/p><\/td><\/tr>\n<\/table>\n\n\n\n\n
    (1)<\/td>\n\n

    \nAnnualized.<\/p><\/td><\/tr>\n

    (2)<\/td>\n\n

    \nIncludes discount accretion from Small Business Administration (\"SBA\") loan payoffs of $232 thousand, $370 thousand and $293 thousand for the three months ended June 30, 2026, March 31, 2026 and June 30, 2025, respectively.<\/p><\/td><\/tr>\n

    (3)<\/td>\n\n

    \nIncludes prepayment penalty income of $91 thousand, $98 thousand and $166 thousand for the three months ended June 30, 2026, March 31, 2026 and June 30, 2025, respectively, primarily from Commercial Real Estate (\u201cCRE\u201d) and SBA loans.<\/p><\/td><\/tr>\n

    \n\n\u00a0<\/td>\n<\/tr>\n<\/table>

    \nSecond Quarter 2026 vs. First Quarter 2026<\/span><\/i><\/b><\/p>

    \nNet interest income declined by $455 thousand, or 2%, primarily reflecting a one-time interest accrual adjustment related to the Federal Reserve Bank account and the absence of a special FHLB dividend recognized in the prior period. These decreases were partially offset by continued loan growth. As a result, the net interest margin contracted by 11 basis points to 3.08%.<\/p>

      \n
    • \nInterest-bearing deposits in other banks<\/b>: Interest income decreased by $910 thousand, primarily due to a one-time $739 thousand accrual adjustment on the Federal Reserve Bank account.<\/li>\n
    • \nOther investments<\/b>: Interest income decreased by $349 thousand, mainly due to the absence of a special dividend received on FHLB stock in the prior period.<\/li>\n
    • \nLoans<\/b>: Interest income increased by $852 thousand, driven largely by a $26.5 million increase in average loan balances, reflecting growth in SBA and CRE loans, as well as two additional accrual days during the current period.<\/li>\n
    • \nDeposits<\/b>: Interest expense remained relatively stable compared to the prior period.<\/li>\n<\/ul>

      \nSecond Quarter 2026 vs. Second Quarter 2025<\/span><\/i><\/b><\/p>

      \nNet interest income increased by $347 thousand, or 2%, primarily driven by balance-sheet growth and lower deposit rates. These favorable factors were partially offset by lower loan yields, reduced interest income on interest-bearing deposits in other banks resulting from the aforementioned Federal Reserve Bank interest accrual adjustment and lower interest rates, and higher interest expense associated with the subordinated note issued in November 2025. As a result, the net interest margin declined by 15 basis points to 3.08%.<\/p>

        \n
      • \nLoans<\/b>: Interest income increased by $1.5 million, largely attributable to a $158.1 million increase in average loan balances, reflecting growth in CRE loans. The increase was partially offset by a 20-basis-point decline in loan yields, reflecting the downward repricing of adjustable-rate loans and lower rates on new originations following last year\u2019s federal funds rate cuts, as well as the absence of elevated interest income recognized from nonaccrual loans in the prior period.<\/li>\n
      • \nDeposits<\/b>: Interest expense decreased by $584 thousand, mainly due to a 41-basis-point decline in costs of interest-bearing deposits, driven by the repricing of time deposits following the federal funds rate cuts. This decrease was partially offset by a $121.6 million increase in average interest-bearing deposit balances, reflecting growth in time deposits.<\/li>\n
      • \nInterest-bearing deposits in other banks<\/b>: Interest income decreased by $1.2 million, primarily due to the aforementioned accrual adjustment on the Federal Reserve Bank account, as well as lower yields on Federal Reserve Bank balances.<\/li>\n
      • \nSubordinated note<\/b>: Interest expense increased by $490 thousand, mainly due to the subordinated note issued in November 2025.<\/li>\n<\/ul>

        \nProvision for Credit Losses<\/b><\/p>\n\n\n\n\n\n\n\n

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td><\/tr>\n

        \n($ in thousands)<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \nFor the Three Months Ended<\/b><\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$ Change 2Q2026 vs.<\/b><\/p><\/td><\/tr>\n

        \n\u00a0<\/p><\/td>

        \n2Q2026<\/b><\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n1Q2026<\/b><\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n2Q2025<\/b><\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n1Q2026<\/b><\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n2Q2025<\/b><\/p><\/td><\/tr>\n

        \n(Reversal of) provision for credit losses on loans<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n(131<\/p><\/td>

        \n)<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n400<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n1,255<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n(531<\/p><\/td>

        \n)<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n(1,386<\/p><\/td>

        \n)<\/p><\/td><\/tr>\n

        \n(Reversal of) provision for credit losses on off-balance sheet exposure<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n(18<\/p><\/td>

        \n)<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n12<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n(49<\/p><\/td>

        \n)<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n(30<\/p><\/td>

        \n)<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n31<\/p><\/td>

        \n\u00a0<\/p><\/td><\/tr>\n

        \n(Reversal of) provision for credit losses<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n(149<\/p><\/td>

        \n)<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n412<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n1,206<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n(561<\/p><\/td>

        \n)<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n(1,355<\/p><\/td>

        \n)<\/p><\/td><\/tr>\n

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td><\/tr>\n<\/table>

        \nSecond Quarter 2026 vs. First Quarter 2026<\/span><\/i><\/b><\/p>

        \nProvision for credit losses on loans decreased by $531 thousand, primarily due to the payoff of a previously reserved nonaccrual CRE loan, resulting in the reversal of a $761 thousand specific reserve recorded in the first quarter of 2026.<\/p>

        \nSecond Quarter 2026 vs. Second Quarter 2025<\/span><\/i><\/b><\/p>

        \nProvision for credit losses on loans decreased by $1.4 million, primarily due to the aforementioned payoff of the nonaccrual CRE loans, as well as lower qualitative reserves driven by slower home mortgage loan growth and a more favorable economic outlook compared to a year ago.<\/p>

        \nNoninterest Income<\/b><\/p>\n\n\n\n\n\n\n\n\n\n\n

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td><\/tr>\n

        \n($ in thousands)<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \nFor the Three Months Ended<\/b><\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n% Change 2Q2026 vs.<\/b><\/p><\/td><\/tr>\n

        \n\u00a0<\/p><\/td>

        \n2Q2026<\/b><\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n1Q2026<\/b><\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n2Q2025<\/b><\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n1Q2026<\/b><\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n2Q2025<\/b><\/p><\/td><\/tr>\n

        \nNoninterest Income<\/b><\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td><\/tr>\n

        \nService charges on deposits<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n515<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n463<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n1,017<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n11<\/p><\/td>

        \n%<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n(49<\/p><\/td>

        \n)%<\/p><\/td><\/tr>\n

        \nLoan servicing fees, net of amortization<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n974<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n722<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n900<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n35<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n8<\/p><\/td>

        \n\u00a0<\/p><\/td><\/tr>\n

        \nGains on sale of loans<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n3,370<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n2,050<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n1,441<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n64<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n134<\/p><\/td>

        \n\u00a0<\/p><\/td><\/tr>\n

        \nOther income<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n792<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n797<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n610<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n(1<\/p><\/td>

        \n)<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n30<\/p><\/td>

        \n\u00a0<\/p><\/td><\/tr>\n

        \nTotal noninterest income<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n5,651<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n4,032<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n$<\/p><\/td>

        \n3,968<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n40<\/p><\/td>

        \n%<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n42<\/p><\/td>

        \n%<\/p><\/td><\/tr>\n

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td>

        \n\u00a0<\/p><\/td><\/tr>\n<\/table>

        \nSecond Quarter 2026 vs. First Quarter 2026<\/span><\/i><\/b><\/p>

        \nNoninterest income increased by $1.6 million, or 40%, primarily driven by higher gains on sale of loans and loan servicing fees.<\/p>

          \n
        • \nGains on Sale of Loans<\/b>: Increased by $1.3 million, driven by stronger SBA loan sale activity. The Bank sold $49.1 million in SBA loans at an average premium rate of 8.17%, compared with $32.2 million sold at an average premium rate of 8.27% in the prior period.<\/li>\n
        • \nLoan servicing fees, net of amortization<\/b>: Increased by $252 thousand, mainly due to lower amortization of servicing assets resulting from reduced payoff activity.<\/li>\n<\/ul>

          \nSecond Quarter 2026 vs. Second Quarter 2025<\/span><\/i><\/b><\/p>

          \nNoninterest income increased by $1.7 million, or 42%, primarily due to higher gains on sale of loans, partially offset by lower service charges on deposits.<\/p>

            \n
          • \nGains on Sale of Loans: <\/b>Increased by $1.9 million, driven by stronger SBA loan sale activity and higher premium rates. The Bank sold $49.1 million in SBA loans at an average premium rate of 8.17%, compared with $25.3 million sold at an average premium rate of 7.05% in the prior period.<\/li>\n
          • \nService Charges on Deposits<\/b>: Decreased by $502 thousand, largely reflecting lower balances in existing business analysis accounts and closure of certain currency exchange-related accounts during the third quarter of 2025.<\/li>\n<\/ul>

            \nNoninterest Expense<\/b><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td><\/tr>\n

            \n($ in thousands)<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \nFor the Three Months Ended<\/b><\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n% Change 2Q2026 vs.<\/b><\/p><\/td><\/tr>\n

            \n\u00a0<\/p><\/td>

            \n2Q2026<\/b><\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n1Q2026<\/b><\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n2Q2025<\/b><\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n1Q2026<\/b><\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n2Q2025<\/b><\/p><\/td><\/tr>\n

            \nNoninterest Expense<\/b><\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td><\/tr>\n

            \nSalaries and employee benefits<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n$<\/p><\/td>

            \n9,733<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n$<\/p><\/td>

            \n9,276<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n$<\/p><\/td>

            \n9,075<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n5<\/p><\/td>

            \n%<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n7<\/p><\/td>

            \n%<\/p><\/td><\/tr>\n

            \nOccupancy and equipment<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n1,901<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n1,811<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n1,584<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n5<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n20<\/p><\/td>

            \n\u00a0<\/p><\/td><\/tr>\n

            \nData processing and communication<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n380<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n411<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n306<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n(8<\/p><\/td>

            \n)<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n24<\/p><\/td>

            \n\u00a0<\/p><\/td><\/tr>\n

            \nProfessional fees<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n454<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n399<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n418<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n14<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n9<\/p><\/td>

            \n\u00a0<\/p><\/td><\/tr>\n

            \nFDIC insurance and regulatory assessments<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n387<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n418<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n506<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n(7<\/p><\/td>

            \n)<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n(24<\/p><\/td>

            \n)<\/p><\/td><\/tr>\n

            \nPromotion and advertising<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n104<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n120<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n232<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n(13<\/p><\/td>

            \n)<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n(55<\/p><\/td>

            \n)<\/p><\/td><\/tr>\n

            \nDirectors\u2019 fees<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n164<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n144<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n198<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n14<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n(17<\/p><\/td>

            \n)<\/p><\/td><\/tr>\n

            \nFoundation donation and other contributions<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n811<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n725<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n636<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n12<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n28<\/p><\/td>

            \n\u00a0<\/p><\/td><\/tr>\n

            \nOther expenses<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n892<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n929<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n1,082<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n(4<\/p><\/td>

            \n)<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n(18<\/p><\/td>

            \n)<\/p><\/td><\/tr>\n

            \nTotal noninterest expense<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n$<\/p><\/td>

            \n14,826<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n$<\/p><\/td>

            \n14,233<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n$<\/p><\/td>

            \n14,037<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n4<\/p><\/td>

            \n%<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n6<\/p><\/td>

            \n%<\/p><\/td><\/tr>\n

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td>

            \n\u00a0<\/p><\/td><\/tr>\n<\/table>

            \nSecond Quarter 2026 vs. First Quarter 2026<\/span><\/i><\/b><\/p>

            \nNoninterest expense increased by $593 thousand, or 4%, primarily due to higher salaries and employee benefits.<\/p>

              \n
            • \nSalaries and Employee Benefits<\/b>: Increased by $457 thousand, primarily due to annual salary adjustments effective April 2026 and higher incentive accruals driven by increased loan production, partially offset by lower vacation accruals.<\/li>\n<\/ul>

              \nSecond Quarter 2026 vs. Second Quarter 2025<\/span><\/i><\/b><\/p>

              \nNoninterest expense increased by $789 thousand, or 6%, primarily due to higher salaries and employee benefits, and increased occupancy and equipment, partially offset by lower other expenses.<\/p>

                \n
              • \nSalaries and Employee Benefits<\/b>: Increased by $658 thousand, mainly driven by staffing growth and annual salary adjustments effective April 2026.<\/li>\n
              • \nOccupancy and equipment<\/b>: Increased by $317 thousand, primarily due to the expiration of a common-area-maintenance concession on a lease that benefited the prior period.<\/li>\n
              • \nOther expenses<\/b>: Decreased by $190 thousand, primarily due to lower customer service expense following the previously discussed currency exchange account closures.<\/li>\n<\/ul>

                \nIncome Tax Expense<\/b><\/p>

                \nSecond Quarter 2026 vs. First Quarter 2026<\/span><\/i><\/b><\/p>

                \nIncome tax expense increased by $388 thousand to $3.1 million, primarily due to higher pre-tax income, while the effective tax rate increased modestly to 27.8% from 27.0%.<\/p>

                \nSecond Quarter 2026 vs. Second Quarter 2025<\/span><\/i><\/b><\/p>

                \nIncome tax expense increased by $951 thousand to $3.1 million, primarily due to higher pre-tax income. The effective tax rate increased to 27.8% from 25.0%, mainly reflecting the absence of a one-time deferred tax asset revaluation recognized in the prior-year period and the impact of federal tax law changes effective in 2026.<\/p>

                \nBALANCE SHEET HIGHLIGHTS<\/b><\/p>

                \nLoans<\/b><\/p>\n\n\n\n\n\n\n\n\n\n\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \n($ in thousands)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nAs of<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n% Change 2Q2026 vs.<\/b><\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n2Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n2Q2025<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n2Q2025<\/b><\/p><\/td><\/tr>\n

                \nCRE<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n1,190,117<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n1,173,366<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n1,021,431<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n17<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n

                \nSBA<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n278,554<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n284,182<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n263,424<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(2<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nC&I<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n221,623<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n219,367<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n193,359<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n15<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nHome mortgage<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n568,512<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n556,952<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n593,256<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n2<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(4<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \nConsumer & other<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n255<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n392<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n110<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(35<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n132<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nGross loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n2,259,061<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n2,234,259<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n2,071,580<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n9<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n<\/table>

                \nThe following table presents loan originations and the corresponding weighted average contractual rates for the periods indicated:<\/p>\n\n\n\n\n\n\n\n\n\n\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \n($ in thousands)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nFor the Three Months Ended<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n% Change in Amounts 2Q2026 vs.<\/b><\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n2Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n2Q2025<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n2Q2025<\/b><\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \nAmount<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nRate<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nAmount<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nRate<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nAmount<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nRate<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nCRE<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n92,042<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.78<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n83,333<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.48<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n39,734<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n7.00<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n10<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n132<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n

                \nSBA<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n32,403<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n7.94<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n33,528<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n7.99<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n33,811<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n8.64<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(3<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(4<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \nC&I<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n8,321<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n7.28<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n8,489<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n7.00<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n3,136<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n7.72<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(2<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n165<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nHome mortgage<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n36,574<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n5.94<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n7,059<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.03<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n54,837<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.64<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n418<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(33<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \nConsumer and other<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nGross loans (1)<\/sup><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n169,340<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.85<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n132,409<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.87<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n131,518<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n7.29<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n28<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n29<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n<\/table>\n\n
                (1)<\/td>\n\n

                \nExcludes changes in line utilization.<\/p><\/td><\/tr>\n<\/table>

                \nThe following table summarizes the loan activity for the periods indicated:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \n($ in thousands)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nFor the Three Months Ended<\/b><\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n2Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n2Q2025<\/b><\/p><\/td><\/tr>\n

                \nBeginning Balance<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n2,234,259<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n2,193,669<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n2,043,885<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nOriginations<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n169,340<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n132,409<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n131,518<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nNet change in line utilization<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n35,399<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n28,712<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n27,287<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nPurchases<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n5,426<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1,750<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nSales<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(51,907<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(29,438<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(26,734<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \nPayoffs & paydowns<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(123,664<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(98,703<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(91,437<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \nOther<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(9,792<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n7,610<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(14,689<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \nTotal<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n24,802<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n40,590<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n27,695<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nEnding balance<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n2,259,061<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n2,234,259<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n2,071,580<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n<\/table>

                \nThe following table presents the composition of gross loans by interest rate type accompanied by the weighted average contractual rates as of the periods indicated:<\/p>\n\n\n\n\n\n\n\n\n\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \n($ in thousands)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nAs of<\/b><\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n2Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n2Q2025<\/b><\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n%<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nRate<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n%<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nRate<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n%<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nRate<\/b><\/p><\/td><\/tr>\n

                \nFixed rate<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n28<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n5.77<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n29<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n5.70<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n31<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n5.54<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n

                \nHybrid rate<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n41<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.05<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n40<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.00<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n40<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n5.81<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nVariable rate<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n31<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.90<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n31<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.86<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n29<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n8.16<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nGross loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n100<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.24<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n100<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.18<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n100<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.42<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n<\/table>

                \nThe following table presents the maturity of gross loans by interest rate type accompanied by the weighted average contractual rates for the periods indicated:<\/p>\n\n\n\n\n\n\n\n\n\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \n($ in thousands)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nAs of June 30, 2026<\/b><\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \nWithin One Year<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nOne Year Through Five Years<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nAfter Five Years<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nTotal<\/b><\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \nAmount<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nRate<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nAmount<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nRate<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nAmount<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nRate<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nAmount<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nRate<\/b><\/p><\/td><\/tr>\n

                \nFixed rate<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n159,578<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n5.47<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n277,011<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.55<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n192,938<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n4.90<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n629,527<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n5.77<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n

                \nHybrid rate<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n197,537<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n5.28<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n741,366<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.26<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n938,903<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.05<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nVariable rate<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n138,125<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n7.04<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n170,809<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.91<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n381,697<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.84<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n690,631<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.90<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nGross loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n297,703<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.20<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n645,357<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.26<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n1,316,001<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.24<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n2,259,061<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6.24<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n<\/table>

                \nAllowance for Credit Losses<\/b><\/p>

                \nThe following table summarizes the activity in the allowance for credit losses for the periods presented:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \n($ in thousands)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nAs of and For the Three Months Ended<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$ Change 2Q2026 vs.<\/b><\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n2Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n2Q2025<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n2Q2025<\/b><\/p><\/td><\/tr>\n

                \nAllowance for credit losses on loans, beginning<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n28,406<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n27,975<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n25,368<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n431<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n3,038<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \n(Reversal of) provision for credit losses on loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(131<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n400<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1,255<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(531<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(1,386<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \nGross charge-offs<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(224<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(31<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(542<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(193<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n318<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nGross recoveries<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n49<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n62<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n205<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(13<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(156<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \nNet (charge-offs) recoveries<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(175<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n31<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(337<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(206<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n162<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nAllowance for credit losses on loans, ending<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n28,100<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n28,406<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n26,286<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n(306<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n1,814<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nAllowance for credit losses on off-balance sheet exposure, beginning<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n286<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n274<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n409<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n12<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n(123<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \n(Reversal of) provision for credit losses on off-balance sheet exposure<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(18<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n12<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(49<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(30<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n31<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nAllowance for credit losses on off-balance sheet exposure, ending<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n268<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n286<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n360<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n(18<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n(92<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n<\/table>

                \nAsset Quality<\/b><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \n($ in thousands)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nAs of and For the Three Months Ended<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n% or Basis Point Change 2Q2026 vs.<\/b><\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n2Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n2Q2025<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1Q2026<\/b><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n2Q2025<\/b><\/p><\/td><\/tr>\n

                \nAccruing loans 30-89 days past due (1)<\/sup><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n10,486<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n9,311<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n9,804<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n13<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n7<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n

                \nAs a % of gross loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.46<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.42<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.47<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n4 bps<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(1) bps<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nNonaccrual loans (2)(3)<\/sup><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n16,372<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n18,297<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n8,916<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(11<\/p><\/td>

                \n)%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n84<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n

                \nLoans 90 days or more past due, accruing<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n892<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nNM<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nNM<\/p><\/td><\/tr>\n

                \nNonperforming loans (3)<\/sup><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n17,264<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n18,297<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n8,916<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(6<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n94<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nOREO<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1,237<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u2014<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(100<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \nNonperforming assets (3)<\/sup><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n17,264<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n18,297<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n10,153<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(6<\/p><\/td>

                \n)%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n70<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nNonperforming loans to gross loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.76<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.82<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.43<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(6) bps<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n33 bps<\/p><\/td><\/tr>\n

                \nNonperforming assets to gross loans & OREO<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.76<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.82<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.49<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(6) bps<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n27 bps<\/p><\/td><\/tr>\n

                \nNonperforming assets to total assets<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.63<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.68<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.40<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(5) bps<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n23 bps<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nCriticized loans (4)(5)<\/sup> by risk categories:<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nSpecial mention loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n8,834<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n10,141<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n9,257<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(13<\/p><\/td>

                \n)%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(5<\/p><\/td>

                \n)%<\/p><\/td><\/tr>\n

                \nClassified loans (6)<\/sup><\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n24,594<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n23,094<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n14,501<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n70<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nTotal criticized loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n33,428<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n33,235<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n23,758<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n41<\/p><\/td>

                \n%<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nClassified loans to gross loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1.09<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1.03<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.70<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n6 bps<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n39 bps<\/p><\/td><\/tr>\n

                \nCriticized loans to gross loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1.48<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1.49<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1.15<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(1) bps<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n33 bps<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nAllowance for credit losses ratios:<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nAs a % of gross loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1.24<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1.27<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n1.27<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(3) bps<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(3) bps<\/p><\/td><\/tr>\n

                \nAs a % of nonperforming loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n163<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n155<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n295<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n8<\/p><\/td>

                \n%<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(132<\/p><\/td>

                \n)%<\/p><\/td><\/tr>\n

                \nAs a % of nonperforming assets<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n163<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n155<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n259<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n8<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(96<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \nAs a % of classified loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n114<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n123<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n181<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(9<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(67<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \nAs a % of criticized loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n84<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n85<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n111<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(1<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(27<\/p><\/td>

                \n)<\/p><\/td><\/tr>\n

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td><\/tr>\n

                \nNet charge-offs (recoveries)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n175<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n(31<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n$<\/p><\/td>

                \n337<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \nNM<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(48<\/p><\/td>

                \n)%<\/p><\/td><\/tr>\n

                \nNet charge-offs (recoveries) (7)<\/sup> to average gross loans<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.03<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(0.01<\/p><\/td>

                \n)<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n0.06<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n4 bps<\/p><\/td>

                \n\u00a0<\/p><\/td>

                \n(3) bps<\/p><\/td><\/tr>\n<\/table>\n\n\n\n\n\n\n\n
                (1)<\/td>\n\n

                \nExcludes the guaranteed portion of loans totaling $947 thousand as of March 31, 2026. There was no guaranteed portion as of June 30, 2026 and 2025.<\/p><\/td><\/tr>\n

                (2)<\/td>\n\n

                \nExcludes loans held-for-sale.<\/p><\/td><\/tr>\n

                (3)<\/td>\n\n

                \nExcludes the guaranteed portion of loans totaling $30.5 million, $30.8 million and $13.9 million as of June 30, 2026, March 31, 2026 and June 30, 2025, respectively.<\/p><\/td><\/tr>\n

                (4)<\/td>\n\n

                \nExcludes the guaranteed portion of loans totaling $35.8 million, $35.9 million and $17.1 million as of June 30, 2026, March 31, 2026 and June 30, 2025, respectively.<\/p><\/td><\/tr>\n

                (5)<\/td>\n\n

                \nConsists of special mention, substandard, doubtful and loss categories.<\/p><\/td><\/tr>\n

                (6)<\/td>\n\n

                \nConsists of substandard, doubtful and loss categories.<\/p><\/td><\/tr>\n

                (7)<\/td>\n\n

                \nAnnualized.<\/p><\/td><\/tr>\n<\/table>

                \nOverall credit quality remained stable during the quarter. The allowance for credit losses on loans remained adequate at 1.24% of gross loans.<\/p>