The overall diversification within the commercial real estate portfolio continues to provide stability while we remained focused on loan originations to new and existing customers during the six months ended June 30, 2026 as well as our continued commitment to geographic expansion in our market area.

filing / Aug 10, 2026 / receipt

● our ability to successfully integrate into our operations any assets, liabilities, customers, systems and management personnel we may acquire and our ability to realize related revenue synergies and cost savings within expected time frames, and any goodwill charges related thereto;

filing / Aug 10, 2026 / receipt

The commercial real estate non-performing loans were mainly the result of payment disruption and non-accrual classification during the quarter for a $14.3 million participation related to a senior living facility and the continued non-performance of a non-accrual commercial real estate office space loan participation which was classified as non-accrual during the second quarter of 2024.

filing / May 11, 2026 / receipt

The office space loan remained at $6.0 million as of March 31, 2026. The other loans designated as non-accrual were based upon individual analysis and payment performance.

filing / May 11, 2026 / receipt

The overall diversification within the commercial real estate portfolio continues to provide stability while we remained focused on loan originations to new and existing customers during the three months ended March 31, 2026 as well as our continued commitment to geographic expansion in our market area.

filing / May 11, 2026 / receipt

● our ability to successfully integrate into our operations any assets, liabilities, customers, systems and management personnel we may acquire and our ability to realize related revenue synergies and cost savings within expected time frames, and any goodwill charges related thereto;

filing / May 11, 2026 / receipt