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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)


☒			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2025


☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

Commission file number 001-33003

CITIZENS COMMUNITY BANCORP, INC.

(Exact name of registrant as specified in its charter)


Maryland						20-5120010
(State or other jurisdiction of incorporation or organization)						(IRS Employer Identification Number)

2174 EastRidge Center

Eau Claire, WI 54701

(Address and Zip Code of principal executive offices)

715-836-9994

(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $.01 par value per share	CZWI	NASDAQ Global Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act:

Large accelerated filer

☐

Accelerated filer

☐

Non-accelerated filer

☒

Smaller reporting company

☒

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

APPLICABLE ONLY TO CORPORATE ISSUERS

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date:

At November 4, 2025 there were 9,659,745 shares of the registrant’s common stock, par value $0.01 per share, outstanding.

CITIZENS COMMUNITY BANCORP, INC.

FORM 10-Q

September 30, 2025

INDEX


			Page Number
Part I – FINANCIAL INFORMATION
	Item 1.	Financial Statements
		Consolidated Balance Sheets as of September 30, 2025 (Unaudited) and December 31, 2024	5
		Consolidated Statements of Operations (Unaudited) for the three and nine months ended September 30, 2025 and 2024	6
		Consolidated Statements of Comprehensive Income (Loss) (Unaudited) for the three and nine months ended September 30, 2025 and 2024	7
		Consolidated Statement of Changes in Stockholders’ Equity (Unaudited) for the nine months ended September 30, 2025 and the year ended December 31, 2024	8
		Consolidated Statements of Cash Flows (Unaudited) for the nine months ended September 30, 2025 and 2024	10
		Condensed Notes to Consolidated Financial Statements (Unaudited)	12
	Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	60
	Item 3.	Quantitative and Qualitative Disclosures about Market Risk	87
	Item 4.	Controls and Procedures	88
Part II – OTHER INFORMATION			89
	Item 1.	Legal Proceedings	89
	Item 1A.	Risk Factors	89
	Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	89
	Item 3.	Defaults Upon Senior Securities	89
	Item 4.	Mine Safety Disclosures	89
	Item 5.	Other Information	90
	Item 6.	Exhibits	91
SIGNATURES			92

PART 1 – FINANCIAL INFORMATION

ITEM 1.FINANCIAL STATEMENTS

CITIZENS COMMUNITY BANCORP, INC.

Consolidated Balance Sheets

September 30, 2025 (unaudited) and December 31, 2024

(derived from audited financial statements)

(in thousands, except share data)


	September 30, 2025		December 31, 2024
Assets
Cash and cash equivalents	$	82,431	$	50,172

Available for sale ("AFS") securities, at fair value (amortized cost of $156,199, net of allowance for credit losses of $0 at September 30, 2025 and amortized cost of $165,604, net of allowance for credit losses of $0 at December 31, 2024)	137,639		142,851
Held to maturity ("HTM") securities, at amortized cost (fair value of $64,879, net of allowance for credit losses of $0 at September 30, 2025 and fair value of $65,622, net of allowance for credit losses of $0 at December 31, 2024)	81,526		85,504
Equity investments	5,675		4,702
Other investments	12,370		12,500
Loans receivable	1,323,010		1,368,981
Allowance for credit losses	(22,182)		(20,549)
Loans receivable, net	1,300,828		1,348,432
Loans held for sale	5,346		1,329
Mortgage servicing rights, net	3,532		3,663
Office properties and equipment, net	16,244		17,075
Accrued interest receivable	6,159		5,653
Intangible assets	508		979
Goodwill	31,498		31,498
Foreclosed and repossessed assets, net	911		915
Bank owned life insurance ("BOLI")	26,700		26,102

Other assets	15,620		17,144
TOTAL ASSETS	$	1,726,987	$	1,748,519


Liabilities and Stockholders’ Equity
Liabilities:
Deposits	$	1,480,554	$	1,488,148
Federal Home Loan Bank (“FHLB”) advances	—		5,000
Other borrowings	46,762		61,606
Other liabilities	12,856		14,681
Total liabilities	1,540,172		1,569,435

Stockholders’ Equity:

Common stock—$0.01 par value, authorized 30,000,000; 9,856,745 and 9,981,996 shares issued and outstanding, respectively	99		100
Additional paid-in capital	113,030		114,564
Retained earnings	86,913		80,840

Accumulated other comprehensive loss	(13,227)		(16,420)
Total stockholders’ equity	186,815		179,084
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$	1,726,987	$	1,748,519

See accompanying condensed notes to unaudited consolidated financial statements.

CITIZENS COMMUNITY BANCORP, INC.

Consolidated Statements of Operations (unaudited)

Three and Nine Months Ended September 30, 2025 and 2024

(in thousands, except per share data)


	Three Months Ended				Nine Months Ended
	September 30, 2025		September 30, 2024		September 30, 2025		September 30, 2024
Interest and dividend income:
Interest and fees on loans	$	19,759	$	20,115	$	58,466	$	60,204
Interest on investments	2,495		2,397		7,393		7,450
Total interest and dividend income	22,254		22,512		65,859		67,654
Interest expense:
Interest on deposits	8,220		10,165		25,104		28,712
Interest on FHLB and FRB borrowed funds	1		128		13		1,216
Interest on other borrowed funds	819		934		2,623		2,960
Total interest expense	9,040		11,227		27,740		32,888
Net interest income before provision for credit losses	13,214		11,285		38,119		34,766
Provision for credit losses	650		(400)		1,750		(2,725)
Net interest income after provision for credit losses	12,564		11,685		36,369		37,491
Non-interest income:
Service charges on deposit accounts	449		513		1,304		1,474
Interchange income	565		577		1,647		1,697
Loan servicing income	649		643		1,773		1,751
Gain on sale of loans	992		752		2,411		1,998
Loan fees and service charges	173		165		530		704




Net gains (losses) on equity securities	(66)		(78)		43		(569)
Bank Owned Life Insurance (BOLI) death benefit	—		—		—		184
Other	260		349		743		859
Total non-interest income	3,022		2,921		8,451		8,098
Non-interest expense:
Compensation and related benefits	6,341		5,743		17,946		16,901
Occupancy	1,266		1,242		3,749		3,942

Data processing	1,811		1,665		5,283		4,787
Amortization of intangible assets	113		178		471		536
Mortgage servicing rights expense, net	161		163		449		427
Advertising, marketing and public relations	201		225		562		575
FDIC premium assessment	195		201		584		606
Professional services	359		336		1,299		1,249
Losses (gains) on repossessed assets, net	(4)		65		—		47

Other	608		603		1,921		2,427
Total non-interest expense	11,051		10,421		32,264		31,497
Income before provision for income taxes	4,535		4,185		12,556		14,092
Provision for income taxes	853		899		2,407		3,043
Net income attributable to common stockholders	$	3,682	$	3,286	$	10,149	$	11,049
Per share information:
Basic earnings	$	0.37	$	0.32	$	1.02	$	1.07
Diluted earnings	$	0.37	$	0.32	$	1.02	$	1.07
Cash dividends paid	$	—	$	—	$	0.36	$	0.32

See accompanying condensed notes to unaudited consolidated financial statements.

CITIZENS COMMUNITY BANCORP, INC.

Consolidated Statements of Comprehensive Income (unaudited)

Three and Nine months ended September 30, 2025 and 2024

(in thousands)


	Three Months Ended				Nine Months Ended
	September 30, 2025		September 30, 2024		September 30, 2025		September 30, 2024
Net income attributable to common stockholders	$	3,682	$	3,286	$	10,149	$	11,049
Other comprehensive income, net of tax:
Securities available-for-sale
Net unrealized gains arising during period, net of tax	1,657		3,552		3,193		3,353

Reclassification for net loss on exchanged security, included in net income, net of tax	—		—		—		130
Other comprehensive income, net of tax	1,657		3,552		3,193		3,483



Comprehensive income	$	5,339	$	6,838	$	13,342	$	14,532

See accompanying condensed notes to unaudited consolidated financial statements.

CITIZENS COMMUNITY BANCORP, INC.

Consolidated Statement of Changes in Stockholders’ Equity (unaudited)

Nine Months Ended September 30, 2025

(in thousands, except shares and per share data)


				Additional Paid-In Capital		Retained Earnings		Accumulated Other Comprehensive Income (loss)		Total Stockholders’ Equity
	Common Stock
	Shares	Amount
Balance, December 31, 2024	9,981,996	$	100	$	114,564	$	80,840	$	(16,420)	$	179,084
Net income	—	—		—		3,197		—		3,197
Other comprehensive income, net of tax	—	—		—		—		1,455		1,455

Surrender of restricted shares of common stock to satisfy the withholding taxes due upon vesting	(11,481)	—		(183)		—		—		(183)

Restricted common stock issued upon achievement of the 2022 performance criteria	16,021	—		—		—		—		—


Common stock options exercised	3,000	—		28		—		—		28


Stock based compensation expense	—	—		68		—		—		68


Cash dividends ($0.36 per share)	—	—		—		(3,598)		—		(3,598)
Balance at March 31, 2025	9,989,536	100		114,477		80,439		(14,965)		180,051
Net income	—	—		—		3,270		—		3,270
Other comprehensive income, net of tax	—	—		—		—		81		81

Surrender of restricted shares of common stock to satisfy the withholding taxes due upon vesting	(539)	—		(7)		—		—		(7)

Common stock options exercised	3,000	—		33		—		—		33


Stock based compensation expense	—	—		34		—		—		34

Balance at June 30, 2025	9,991,997	100		114,537		83,709		(14,884)		183,462
Net income	—	—		—		3,682		—		3,682
Other comprehensive income, net of tax	—	—		—		—		1,657		1,657




Common stock repurchased	(135,252)	(1)		(1,540)		(478)		—		(2,019)






Stock based compensation expense	—	—		33		—		—		33

Balance, September 30, 2025	9,856,745	$	99	$	113,030	$	86,913	$	(13,227)	$	186,815

See accompanying condensed notes to unaudited consolidated financial statements.

CITIZENS COMMUNITY BANCORP, INC.

Consolidated Statement of Changes in Stockholders’ Equity (unaudited)

Twelve Months Ended December 31, 2024

(in thousands, except shares and per share data)


				Additional Paid-In Capital		Retained Earnings		Accumulated Other Comprehensive Income (Loss)		Total Stockholders’ Equity
	Common Stock
	Shares	Amount
Balance, December 31, 2023	10,440,591	$	104	$	119,441	$	71,117	$	(17,328)	$	173,334
Net income	—	—		—		4,088		—		4,088
Other comprehensive loss, net of tax	—	—		—		—		(702)		(702)

Surrender of restricted shares of common stock to satisfy the withholding taxes due upon vesting	(9,471)	—		(113)		—		—		(113)
Restricted common stock awarded under the equity incentive plan	16,955	—		—		—		—		—
Restricted stock issued upon achievement of the 2021 performance criteria	8,805	—		—		—		—		—


Common stock repurchased	(50,000)	—		(570)		(28)		—		(598)

Stock based compensation expense	—	—		158		—		—		158



Cash dividends ($0.32 per share)	—	—		—		(3,346)		—		(3,346)
Balance at March 31, 2024	10,406,880	104		118,916		71,831		(18,030)		172,821
Net income	—	—		—		3,675		—		3,675
Other comprehensive income, net of tax	—	—		—		—		633		633

Surrender of restricted shares of common stock to satisfy the withholding taxes due upon vesting	(539)	—		(6)		—		—		(6)

Common stock repurchased	(109,000)	(1)		(1,230)		(5)		—		(1,236)




Stock based compensation expense	—	—		158		—		—		158



Balance at June 30, 2024	10,297,341	103		117,838		75,501		(17,397)		176,045
Net income	—	—		—		3,286		—		3,286
Other comprehensive income, net of tax	—	—		—		—		3,552		3,552






Common stock repurchased	(223,205)	(2)		(2,542)		(349)		—		(2,893)

Stock based compensation expense	—	—		159		—		—		159



Balance, September 30, 2024	10,074,136	101		115,455		78,438		(13,845)		180,149
Net income	—	—		—		2,702		—		2,702
Other comprehensive loss, net of tax	—	—		—		—		(2,575)		(2,575)
Forfeiture of unvested shares	(246)	—		—		—		—		—




Common stock options exercised	2,000	—		22		—		—		22
Common stock repurchased	(93,894)	(1)		(1,069)		(300)		—		(1,370)




Stock based compensation expense	—	—		156		—		—		156
Balance, December 31, 2024	9,981,996	$	100	$	114,564	$	80,840	$	(16,420)	$	179,084

See accompanying condensed notes to unaudited consolidated financial statements.

CITIZENS COMMUNITY BANCORP, INC.

Consolidated Statements of Cash Flows (unaudited)

Nine Months Ended September 30, 2025 and 2024

(in thousands)


	Nine Months Ended
	September 30, 2025		September 30, 2024
Cash flows from operating activities:
Net income attributable to common stockholders	$	10,149	$	11,049
Adjustments to reconcile net income to net cash provided by operating activities:
Net accretion on debt securities	(38)		(64)
Depreciation expense	1,549		1,644
Provision for credit losses	1,750		(2,725)
Net (gains) losses on equity securities	(43)		569


Increase in mortgage servicing rights resulting from transfers of financial assets	(318)		(258)
Mortgage servicing rights amortization	449		427
Amortization of intangible assets	471		536
Stock based compensation expense	135		475


(Increase) decrease in deferred income taxes	(533)		284
Increase in cash surrender value of life insurance	(598)		(753)
Net gains from disposals of foreclosed and repossessed assets	(15)		(23)

Provision for valuation allowance on foreclosed properties	15		70
Gain on sale of loans held for sale, net	(2,411)		(1,998)
Proceeds from sale of loans held for sale	67,837		48,833
Originations of loans held for sale	(69,443)		(41,759)
Proceeds from insurance claim on foreclosed and repossessed assets	—		27
Amortization of debt issuance costs	156		166
Net change in:

Accrued interest receivable and other assets	551		(2,528)
Other liabilities	(1,825)		3,803
Total adjustments	(2,311)		6,726
Net cash from operating activities	7,838		17,775
Cash flows from investing activities:
Proceeds from Bank Owned Life Insurance ("BOLI") death benefit	—		499

Purchase of available for sale securities	(6,949)		—
Proceeds from principal payments and maturities of available for sale securities	11,451		11,544
Proceeds from calls of available for sale securities	4,950		—


Proceeds from principal payments and maturities of held to maturity securities	3,969		4,184

Equity investment capital distribution	—		170
Purchase of equity investments	(930)		(300)
Net sales of other investments	130		558
Proceeds from sales of foreclosed and repossessed assets	49		232

Net decrease in loans	45,809		36,702
Net capital expenditures	(718)		(649)

Proceeds from disposal of office properties and equipment	—		13

Net cash from investing activities	57,761		52,953


Cash flows from financing activities:

Change in short term Federal Home Loan Bank advances, net	—		(33,000)

Federal Home Loan Bank advance call payments	—		(10,000)


Federal Home Loan Bank advance long-term maturities	(5,000)		(15,530)



Other borrowings principal reductions	(15,000)		(6,083)
Net (decrease) increase in deposits	(7,594)		1,571


Repurchase shares of common stock	(2,019)		(4,727)
Surrender of restricted shares of common stock	(190)		(119)
Common stock options exercised	61		—
Cash dividends paid	(3,598)		(3,346)
Net cash used in financing activities	(33,340)		(71,234)
Net increase (decrease) in cash and cash equivalents	32,259		(506)
Cash and cash equivalents at beginning of period	50,172		37,138
Cash and cash equivalents at end of period	$	82,431	$	36,632


Supplemental cash flow information:
Cash paid during the period for:
Interest on deposits	$	27,218	$	24,340
Interest on borrowings	$	2,532	$	3,924
Income taxes	$	1,973	$	2,064
Supplemental noncash disclosure:
Transfers from loans receivable to other real estate owned ("OREO")	$	—	$	73

See accompanying condensed notes to unaudited consolidated financial statements.

CONDENSED NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Dollars in thousands, except share and per share data)

(UNAUDITED)

NOTE 1 – NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

The consolidated financial statements of Citizens Community Federal N.A. (the “Bank”) included herein have been included by its parent company, Citizens Community Bancorp, Inc. (the “Company”) pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”) for interim financial statements. As used in this quarterly report, the terms “we”, “us”, “our”, and “Citizens Community Bancorp, Inc.” mean the Company and its wholly owned subsidiary, the Bank, unless the context indicates other meaning.

The Bank is a national banking association (a “National Bank”) and operates under the title of Citizens Community Federal National Association (“Citizens Community Federal N.A.” or “Bank”). The Company is a bank holding company, supervised by the Federal Reserve Bank of Minneapolis (the “FRB”), and operates under the title of Citizens Community Bancorp, Inc. The Office of the Comptroller of the Currency (the “OCC”) is the primary federal regulator for the Bank.

The consolidated income of the Company is principally derived from the income of the Bank, the Company’s wholly owned subsidiary, serving customers primarily in Wisconsin and Minnesota through 21 branch locations. Its primary markets include the Chippewa Valley Region in Wisconsin, the Mankato and Twin Cities markets in Minnesota, and various rural communities around these areas. The Bank offers traditional community banking services to businesses, agricultural operators and consumers, including one-to-four family residential mortgages.

The Bank is subject to competition from other financial institutions and non-financial institutions providing financial products. Additionally, the Bank is subject to the regulations of certain regulatory agencies and undergoes periodic examination by those regulatory agencies.

In preparing these consolidated financial statements, we evaluated the events and transactions that occurred subsequent to the balance sheet date of September 30, 2025, through the date on which the consolidated financial statements were available to be issued on November 4, 2025, for items that should potentially be recognized or disclosed in these consolidated financial statements.

The accompanying consolidated interim financial statements are unaudited. However, in the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included.

Unless otherwise stated herein, and except for shares and per share amounts, all amounts are in thousands.

Principles of Consolidation – The accompanying consolidated financial statements include the accounts of the Company and the Bank. All significant intercompany accounts and transactions have been eliminated.

Use of Estimates –Preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying disclosures. These estimates are based on management’s best knowledge of current events and actions the Company may undertake in the future. Estimates are used in accounting for, among other items, fair value of financial instruments, the allowance for credit losses, mortgage servicing rights, foreclosed and repossessed assets, valuation of intangible assets arising from acquisitions, useful lives for depreciation and amortization, valuation of goodwill and long-lived assets, stock based compensation, deferred tax assets, uncertain income tax positions and contingencies. Management does not anticipate any material changes to estimates made herein in the near term. Factors that may cause sensitivity to the aforementioned estimates include but are not limited to: those items described under the caption “Risk Factors” in Item 1A of the annual report on Form 10-K for the year ended December 31, 2024, filed with the SEC on March 13, 2025; the matters described in Forward-Looking Statements in Part 1, Item 2 of the quarterly report on Form 10-Q for the quarter ended March 31, 2025, filed with the SEC on May 8, 2025; the matters described in Forward-Looking Statements in Part 1, Item 2 of the quarterly report on Form 10-Q for the quarter ended June 30, 2025, filed with the SEC on August 7, 2025; the matters described in Forward-Looking Statements in Part 1, Item 2 of this Form 10-Q; and external market factors such as market interest rates and unemployment rates; changes to operating policies and procedures, and changes in applicable banking regulations. Actual results may ultimately differ from estimates, although management does not generally believe such differences would materially affect the consolidated financial statements in any individual reporting period.

Cash and Cash Equivalents—For purposes of reporting cash flows in the consolidated financial statements, cash and cash equivalents include cash, due from banks, and interest bearing deposits with original maturities of three months or less.

Investment Securities; Available for Sale and Held to Maturity – Management determines the appropriate classification of investment securities at the time of purchase and reevaluates such designation as of the date of each balance sheet. Securities are classified as held to maturity when the Company has the positive intent and ability to hold the securities to maturity. Held to maturity securities are stated at amortized cost. Investment securities not classified as held to maturity are classified as available for sale. Available for sale securities are stated at fair value, with unrealized holding gains and losses being reported in other comprehensive income (loss), net of tax. Realized gains or losses on sales of available for sale securities are calculated with the specific identification method and are included in the consolidated statements of operations under net gains on investment securities. Interest income includes amortization of purchase premium or accretion of purchase discount. Amortization of premiums and accretion of discounts are recognized in interest income using the interest method over the estimated lives of the securities.

Allowance for Credit Losses – Available for Sale Securities - The Company measures the allowance for credit losses on available for sale debt securities by evaluating securities in an unrealized loss position using a two-step process. First, the Company assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost. If it is determined that the Company intends or will be required to sell the security, it is written down to its fair value as net gains or losses on investment securities in our consolidated statement of operations. For agency mortgage-backed and asset-backed securities that do not meet the criteria in step one, there are no expected credit losses as they are guaranteed by the U.S. government, are highly rated by major rating agencies, and have a long history of no credit losses. For other debt securities that do not meet the criteria in step one, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and the allowance for credit losses on available for sale investments is recorded for the credit loss, limited by the amount that the fair value is less that the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income.

Allowance for Credit Losses – Held to Maturity Securities -The Company measures expected credit losses on held to maturity debt securities on a collective basis by major security type. For agency mortgage-backed securities there are no expected credit losses as they are guaranteed by the U.S. government, are highly rated by major rating agencies, and have a long history of no credit losses. For other securities, the estimate of expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts.

The Company has elected to not measure an ACL on accrued interest on available for sale and held to maturity securities, as it would write off accrued interest in a timely manner if the related security was determined to have a credit loss. Accrued interest receivable on available-for-sale and held-to-maturity securities was $904 and $920 at September 30, 2025 and December 31, 2024, respectively. The Company has no available for sale securities or held to maturity securities which it deems to have a credit loss at September 30, 2025.

Equity investments - The Company is required to maintain an investment in Federal Agricultural Mortgage Corporation (“Farmer Mac”) equity securities. Farmer Mac equity securities are carried at their fair market value, which is readily determinable. Changes in fair value are recognized as net gains or losses on investment securities in our consolidated statement of operations.

Included in equity investments are preferred shares of a community development financial institution, which are carried at their fair market value. As no ready market exists for this investment, the Company utilizes significant unobservable inputs (Level 3 inputs) to determine fair value.We record the unrealized gains and losses resulting from changes in the fair value of this investment as net gains or losses on investment securities in our consolidated statements of operations.

Also included in equity investments are the Company’s investments in a Volker Rule-compliant Small Business Investment Company ("SBIC") and an investment fund. The SBIC and investment fund meet the definition of investment companies, as defined in ASC 946, Financial Services - Investment Companies. These investments seek returns by investing in various small businesses and do not have redemption rights. Distributions from the investments will be received as the underlying investments, which generally have a life of 10 years, are liquidated or earlier distributions are made. We elected the practical expedient available in Topic 820, Fair Value Measurements, which permits the use of net asset value ("NAV") per share or equivalent to value investments in entities that are or are similar to investment companies. SBICs and investment funds report their investments at estimated fair value. We record the unrealized gains and losses resulting from changes in the fair value of these investments as net gains or losses on equity securities in our consolidated statements of operations. The carrying value of these investments is equal to the capital account balance as provided by the investee and adjusted as necessary.

Other Investments - As a member of the Federal Reserve Bank (“FRB”) System and the Federal Home Loan Bank (“FHLB”) System, the Bank is required to maintain an investment in the capital stock of these entities. These securities are “restricted” in that they can only be sold back to the respective institutions or another member institution at par. Therefore, they are less liquid than other exchange traded equity securities. As no ready market exists for these stocks, and they have no quoted market value, these investments are carried at cost and periodically evaluated for impairment based on the ultimate recovery of par value. Cash dividends are reported as interest on investments in the consolidated statements of operations.

Also included in other investments is stock of our correspondent bank, Bankers’ Bank, without readily determinable fair value. This stock is carried at cost plus or minus changes resulting from observable price changes in orderly transactions for this stock, less impairment charges, if any.

Management’s evaluation for impairment of these other investments, includes consideration of the financial condition and other available relevant information of the issuer. Based on management’s quarterly evaluation, no impairment has been recorded on these securities. Other investments totaling $12,370 at September 30, 2025, consisted of $3,727 of FHLB stock, $5,725 of Federal Reserve Bank stock and $2,918 of Bankers’ Bank stock. Other investments totaling $12,500 at December 31, 2024, consisted of $3,865 of FHLB stock and $5,717 of Federal Reserve Bank stock and $2,918 of Bankers’ Bank stock.

Loans Receivable – Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs. Interest income is accrued on the unpaid principal balance of these loans and is presented as a separate line item on the consolidated balance sheets. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the interest method over the contractual life of the loan with no prepayments assumed. If the loan is prepaid, any unamortized net fee is recognized at this time. Late charge fees are recognized into income when collected.

Interest income on commercial, mortgage and consumer loans is discontinued according to the following schedules:

•Commercial/agricultural real estate loans past due 90 days or more;

•Commercial and industrial/agricultural operating loans past due 90 days or more;

•Closed end consumer installment loans past due 120 days or more; and

•Residential mortgage loans and open ended consumer installment loans past due 180 days or more.

Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for a loan placed on nonaccrual status is reversed against interest income. Interest received on such loans is accounted for on the cash basis or cost recovery method until qualifying for return to accrual status. Loans are returned to accrual status when the collectability of principal and interest is probable including when payments are made that bring the loan account current with the contractual term of the loan and a six month payment history has been established.

Residential mortgage loans and open ended consumer installment loans are either charged off or a specific reserve is established to estimated net realizable value less estimated selling costs at the earlier of when (a) the loan is deemed by management to be uncollectible, or (b) the loan becomes past due 180 days or more. Closed ended consumer installment loans are charged off to net realizable value at the earlier of when (a) the loan is deemed by management to be uncollectible, or (b) the loan becomes past due 120 days or more. Commercial/agricultural real estate, commercial and industrial and agricultural operating loans are charged off to net realizable value at the earlier of when (a) the loan is deemed by management to be uncollectible, or (b) the loan becomes past due 90 days or more.

Allowance for Credit Losses – Loans The allowance for credit losses (“ACL”) on loans is a valuation allowance for current expected credit losses in the Company’s loan portfolio. Loan losses are charged against the ACL when management believes that the collectability of a loan balance is unlikely. Subsequent recoveries, if any, are credited to the ACL. In determining the allowance, the company estimates credit losses over the loan’s entire contractual term, adjusted for expected prepayments when appropriate. The allowance estimate considers relevant available information from internal and external sources relating to historical loss experience; known and inherent risks in our portfolio; information about specific borrowers’ ability to repay; estimated collateral values; current economic conditions; reasonable and supportable forecasts for future conditions; and other relevant factors determined by management. To ensure that the ACL is maintained at an adequate level, a detailed analysis is performed on a quarterly basis and an appropriate provision is made to adjust the allowance. The entire ACL balance is available for any loan that, in management’s judgment, should be charged off.

The determination of the ACL requires significant judgement to estimate credit losses. The ACL on loans is measured collectively on a pooled basis when similar risk characteristics exist, and on an individual basis when management determines

that the loan does not share similar risk characteristics with other loans. The ACL on loans collectively evaluated is measured using the loss rate model. The Company categorizes its loan portfolio into four segments based on similar risk characteristics. Loans within each segment are pooled based on individual loan characteristics. Aggregated risk drivers are then calculated at a pool level. Risk drivers are identified attributes that have proven to be predictive of loan loss rates and vary based on loan segment and type. A loss rate is calculated and applied to the pool utilizing a model that combines the pool’s risk drivers, historical loss experience, and reasonable and supportable future economic forecasts to project lifetime losses. For commercial/agricultural real estate loans, the loss rate is then combined with the loans balance and contractual maturity, adjusted for expected prepayments, to determine expected future losses. Future and supportable economic forecasts are based on national economic conditions and their reversion to the mean is implicit in the model and generally occurs over a period of two years. For commercial and industrial/agricultural operating, residential, and consumer loans, the loss rate is then combined with the loans balance and contractual maturity, to determine expected future losses.

Qualitative adjustments are made to the allowance calculated on collectively evaluated loans to incorporate factors not included in the model. Qualitative factors include but are not limited to, lending policies and procedures, the experience and ability of lending and other staff, the volume and severity of problem credits, quality of the loan review system, and other external factors.

Loans that exhibit different risk characteristics from the pool are individually evaluated and not included in the collective evaluation. Loans can be identified for individual evaluation for a variety of reasons including delinquency, nonaccrual status, risk rating and loan modification. Accruing loans that exhibit different risk characteristics from their pool may also be within scope. On these loans, an allowance may be established so that the loan is reported, net, at the lower of (a) its amortized cost; (b) the present value of the loan’s estimated future cash flows using the loan’s existing rate; or (c) at the fair value of any loan collateral, less estimated disposal costs, if the loan is collateral dependent. Collateral dependency is determined using the practical expedient when: 1) the borrower is experiencing financial difficulty; and 2) repayment is expected to be provided substantially through the sale or operation of the collateral. However, if it is probable that the Company will foreclose on the collateral, the use of the fair value of the collateral to calculate the allowance for credit loss is required.

The Company has elected to not measure an ACL on accrued interest as it writes off accrued interest in a timely manner. Accrued interest receivable on loans was $4,775 and $4,467 at September 30, 2025 and December 31, 2024, respectively.

Allowance for Credit Losses - Unfunded Commitments - The ACL on unfunded commitments is a liability for credit losses on commitments to originate or fund loans, and standby letters of credit. It is included in “Other liabilities” on the consolidated balance sheets. Expected credit losses are estimated over the contractual period in which the Company is exposed to credit risk via a commitment that cannot be unconditionally canceled, adjusted for projected prepayments when appropriate. In addition, the estimate of the liability considers the likelihood that funding will occur. The ACL on unfunded commitments is adjusted through provision for credit losses on the consolidated statements of operations. Because the business processes and risks associated with unfunded commitments are essentially the same as loans, the Company uses the same process to estimate the liability.

Loans Held for Sale — Loans held for sale are those loans the Company has the intent to sell in the foreseeable future. They are carried at the lower of aggregate cost or fair value. Gains and losses on sales of loans are recognized at settlement dates, and are determined by the difference between the sales proceeds and the carrying value of the loans after allocating costs to servicing rights retained. Such gains and losses are included as non-interest income in the consolidated statements of operations. All sales are made without recourse. Interest rate lock commitments on mortgage loans to be funded and sold are valued at fair value, and are included in other assets or liabilities, if material.

Transfers of financial assets—Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the entity, (2) the transferee obtains the right, free of conditions that constrain it from taking advantage of that right, to pledge or exchange the transferred assets, and (3) the entity does not maintain effective control over the transferred assets through an agreement to repurchase them before maturity.

Mortgage Servicing Rights— Mortgage servicing rights (“MSR”) assets result as the Company sells loans to investors in the secondary market and retains the rights to service mortgage loans sold to others. MSR assets are initially measured at fair value; assessed for impairment at least annually; and carried at the lower of the initial capitalized amount, net of accumulated amortization, or estimated fair value. MSR assets are amortized in proportion to and over the period of estimated net servicing income, with the amortization recorded as “Mortgage servicing rights expense, net” in non-interest expense in the consolidated statements of operations.

The valuation of MSRs and related amortization, included in mortgage servicing rights expense in the consolidated statements of operations, thereon are based on numerous factors, assumptions and judgments, such as those for: changes in the

mix of loans, interest rates, prepayment speeds, and default rates. Changes in these factors, assumptions and judgments may have a material effect on the valuation and amortization of MSRs. Although management believes that the assumptions used to evaluate the MSRs for impairment are reasonable, future adjustment may be necessary if future economic conditions differ substantially from the economic assumptions used to determine the value of MSRs.

Servicing fee income, which is reported on the consolidated statements of operations in non-interest income as loan servicing income, is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of outstanding principal; or a fixed amount per loan and are recorded as income when earned.

Office Properties and Equipment—Premises and equipment are stated at cost less accumulated depreciation. Land is carried at cost. Maintenance and repair costs are charged to expense as incurred. Gains or losses on disposition of office properties and equipment are reflected in income. Buildings and related components are depreciated using the straight-line method with useful lives ranging from 10 to 40 years. Furniture, fixtures and equipment are depreciated using the straight-line (or accelerated) method with useful lives ranging from 3 to 10 years. Leasehold improvements are depreciated using the straight-line (or accelerated) method with useful lives based on the lesser of (a) the estimated life of the lease, or (b) the estimated useful life of the leasehold improvement. Depreciation expense is included in non-interest expense on the consolidated statements of operations.

Goodwill and other intangible assets—The Company accounts for goodwill and other intangible assets in accordance with ASC Topic 350, “Intangibles - Goodwill and Other.” The Company records the excess of the cost of acquired entities over the fair value of identifiable tangible and intangible assets acquired, less liabilities assumed, as goodwill. The Company amortizes acquired intangible assets, primarily Core Deposit Intangibles (CDI) with definite useful economic lives over their useful economic lives originally ranging from 72 to 111 months utilizing the straight-line method. On a periodic basis, management assesses whether events or changes in circumstances indicate that the carrying amounts of the intangible assets may be impaired. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, and more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. A reporting unit is defined as any distinct, separately identifiable component of the Company’s one operating segment for which complete, discrete financial information is available and reviewed regularly by the segment’s management. The Company has one reporting unit as of September 30, 2025, which is related to its banking activities. The impairment testing process is conducted by assigning net assets and goodwill to the Company’s reporting unit. An initial qualitative evaluation is made to assess the likelihood of impairment and determine whether further quantitative testing to calculate the fair value is necessary. When the qualitative evaluation indicates that impairment is more likely than not, quantitative testing is required whereby the fair value of the Company’s reporting unit is calculated and compared to the recorded book value, “step one.” If the calculated fair value of the Company’s reporting unit exceeds its carrying value, goodwill is not considered impaired and “step two” is not considered necessary. If the carrying value of the Company’s reporting unit exceeds its calculated fair value, the impairment test continues (“step two”) by comparing the carrying value of the Company’s reporting unit’s goodwill to the implied fair value of goodwill. An impairment charge is recognized if the carrying value of goodwill exceeds the implied fair value of goodwill. The Company has performed the required goodwill impairment test and has determined that goodwill was not impaired as of October 31, 2024, and no circumstances arose after October 31, 2024, that indicated impairment existed at December 31, 2024, per the quarterly analysis. The Company has monitored events and conditions since December 31, 2024, and has determined that no triggering event has occurred that would require goodwill to be tested for impairment.

Foreclosed and Repossessed Assets, net – Assets acquired through foreclosure or repossession are initially recorded at fair value, less estimated costs to sell, which establishes a new cost basis. If the fair value declines subsequent to foreclosure or repossession, a write-down is recorded through expense. Costs incurred after acquisition are expensed and are included in non-interest expense, other in the consolidated statements of operations.

Bank Owned Life Insurance (BOLI)—The Bank invests in bank-owned life insurance (BOLI) as a source of funding for employee benefit expenses. BOLI involves the purchasing of life insurance by the Bank on a select group of employees. The Bank is the owner and beneficiary of the policies. Income from the increase in cash surrender value of the policies as well as the receipt of death benefits is included in non-interest income on the consolidated statements of operations.

New Markets Tax Credits - As a part of its commitment to the communities it serves, in the first quarter of 2022 and the third quarter of 2024, the Company made investments in LLC’s that are sponsoring community development projects that have been awarded New Markets Tax Credits (“NMTC”) through the U.S. Department of the Treasury’s Community Development Financial Institutions Fund. These investments are Community Reinvestment Act eligible and are designed to generate a return primarily through the realization of the tax credit. These LLC’s are considered a Variable Interest Entity (VIE) as the Company represents the holder of the equity investment at risk. However, the Company does not have the ability to direct the activities that most significantly affect the performance of the LLC. As such, the Company is not the primary beneficiary of the VIE and

the LLCs have not been consolidated. With the adoption of ASU 2023-02 on January 1, 2023, the investments are accounted for using the proportional amortization method, which requires amortizing the investment in the period of and in proportion to the recognition of the related tax credit. Amortization of the investment is included in provision for income taxes and the utilization of the tax credit is recorded as a reduction in provision for income taxes. Prior to the adoption of ASU 2023-02 the investment was accounted for using the equity method of accounting and was amortized through non-interest expense.

As of September 30, 2025, the carrying amount of this investment, which is included in other assets in the consolidated balance sheets, was $3,700. The risk of loss with this investment is limited to its carrying value and is tied to its ability to operate in compliance with the rules and regulations necessary for the qualification of the tax credit generated by the investment. As of September 30, 2025, there were no known instances of noncompliance associated with either investment.

Leases - We determine if an arrangement is a lease at inception. All of our existing leases have been determined to be operating leases under ASC 842. Right-of-use (“ROU”) assets are included in other assets in our consolidated balance sheets. Operating lease liabilities are included in other liabilities in our consolidated balance sheets. Lease expense is included in non-interest expense, “Occupancy” in the consolidated statements of operations.

ROU assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date, based on the present value of lease payments over the lease term. As none of our existing leases provide an implicit rate, we use our incremental borrowing rate, based on information available at commencement date, in determining the present value of lease payments. The operating lease ROU asset also includes any lease payments made and excludes lease incentives. Our lease terms may include options to extend or terminate the lease, when it is reasonably certain that we will exercise that option. Lease expense is recognized based on the total contractually required lease payments, over the term of the lease, on a straight-line basis. Some of the Bank’s leases require it to make variable payments for the Bank’s share of property taxes, insurance, common area maintenance and other costs. These variable costs are recognized when incurred and are also included in lease expense.

Federal Home Loan Bank (“FHLB”) advances - The Bank held no short-term or long-term FHLB advances as of September 30, 2025. The Bank held no short-term FHLB advances and $5,000 long-term FHLB advances as of December 31, 2024. For cash flow purposes the short-term FHLB advances, if any, are disclosed net with original maturities of three months or less.

Debt and equity issuance costs—Debt issuance costs, which consist primarily of fees paid to note lenders, are deferred and included in other borrowings in the consolidated balance sheets. Debt issuance costs that originated in 2020 and thereafter, are amortized through the first Company call option date of the corresponding debt, as a component of interest expense on other borrowed funds in the consolidated statements of operations. Senior note debt issuance costs, are amortized over the contractual term of the corresponding debt, as a component of interest expense on other borrowed funds in the consolidated statements of operations. Specific costs associated with the issuance of shares of the Company’s common or preferred stock are netted against proceeds and recorded in stockholders’ equity, as additional paid in capital, on the consolidated balance sheets, in the period of the share issuance.

Share-Based Compensation—The Company may grant restricted stock awards and other stock-based awards to plan participants, subject to forfeiture upon the occurrence of certain events until the dates specified in the participant’s award agreement. The Company accounts for forfeitures as they occur. Forfeited restricted shares are canceled and returned to authorized and unissued shares. While time based restricted shares are subject to forfeiture, time based restricted stock award participants may exercise full voting rights and will receive all dividends and other distributions paid with respect to the restricted shares. The time based restricted shares granted under the 2018 Equity Incentive Plan (the “Plan”) are subject to a three-year vesting period. Compensation expense for time based restricted stock is recognized over the requisite service period of three years for the entire award on a straight-line basis. Performance based restricted shares are earned over a three-year period based on Board approved performance metrics and expense is recorded based on expected shares vesting. The performance based restricted stock award participants do not have voting rights and do not receive dividends or other distributions paid with respect to the performance based restricted shares. Upon vesting of restricted stock, the benefit of tax deductions in excess of recognized compensation expense is reflected as an income tax benefit in the Consolidated Statements of Operations.

Advertising, Marketing and Public Relations Expense—The Company expenses all advertising, marketing and public relations costs as they are incurred.

Income Taxes – The Company accounts for income taxes in accordance with the Financial Accounting Standards Board (FASB) Accounting Standards Codification (“ASC”) Topic 740, “Income Taxes.” Under this guidance, deferred taxes are

recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. Deferred tax assets and liabilities are measured using enacted tax rates that will apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized as income or expense in the period that includes the enactment date.

The Company regularly reviews the carrying amount of its net deferred tax assets to determine if the establishment of a valuation allowance is necessary. If based on the available evidence, it is more likely than not that all or a portion of the Company’s net deferred tax assets will not be realized in future periods, a deferred tax valuation allowance would be established. Consideration is given to various positive and negative factors that could affect the realization of the deferred tax assets. In evaluating this available evidence, management considers, among other things, historical performance, expectations of future earnings, the ability to carry back losses to recoup taxes previously paid, the length of statutory carry forward periods, any experience with utilization of operating loss and tax credit carry forwards not expiring, tax planning strategies and timing of reversals of temporary differences. Significant judgment is required in assessing future earnings trends and the timing of reversals of temporary differences. Accordingly, the Company’s evaluation is based on current tax laws as well as management’s expectations of future performance.

The Company’s effective tax rates were 18.8% and 21.5% for the three months ended September 30, 2025 and September 30, 2024, respectively, and 19.2% and 21.6% for the nine months ended September 30, 2025 and September 30, 2024, respectively.

Revenue Recognition - The Company’s primary source of revenue is interest income from interest earning assets, which is recognized on the accrual basis of accounting using the effective interest method. The recognition of revenues from interest earning assets is based upon formulas from underlying loan agreements, securities contracts or other similar contracts.

The Company accounts for revenue from contracts with customers in accordance with ASC Topic 606, “Revenue from Contracts with Customers.” Topic 606 provides that revenue from contracts with customers be recognized when performance obligations under the terms of a contract are satisfied. Revenue is measured as the amount of consideration the Company expects to receive in exchange for transferring goods or providing service. The Company does not have any materially significant payment terms as payment is received shortly after the satisfaction of the performance obligation. The statement of operations line items recognized under the scope of Topic 606 are as follows:

Service charges on deposit accounts - Service charges on accounts consist of monthly service fees, transaction-based fees, overdraft fees and other deposit account related fees. The Company’s performance obligation for monthly services fees is generally satisfied over the period in which the service is provided. Revenue for these monthly fees is recognized during the service period. Other deposit account related fees are largely transactional based, and therefore, the Company’s performance obligation is satisfied at the time the service is provided. Payment for service charges on deposit accounts are primarily received immediately or in the following month through a direct charge to a customer’s account.

Interchange income - The Company earns interchange fees when cardholder debit card transactions are processed through card association networks. The interchange rates are generally set by the card association based upon purchase volumes and other factors. Interchange fees represent a percentage of the underlying transaction value. The Company has a continuous contract, based on customary business practices, with the card association networks to make funds available for settlement of card transactions. The Company’s performance obligation is satisfied over time as it makes funds available, and the related income is recognized when received.

Gain (loss) on repossessed assets - The Company records a gain or loss from the sale of repossessed assets, when control of the property or asset transfers to the buyer, which generally occurs at the time of an executed deed or sales agreement. When the Company finances the sale of repossessed assets to a buyer, the Company assesses whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the repossessed asset is derecognized and the gain or loss on sale is recorded upon transfer of control of the property to the buyer. In determining the gain on sale or loss on the sale, the Company adjusts the transaction price and related gain or loss on sale if a significant financing component is present.

Non-interest income outside of the scope of Revenue from Contracts with Customers, Topic 606 is recognized on the accrual basis of accounting as services are provided or as transactions occur. Non-interest income outside of the scope of Topic 606 includes mortgage banking activities, loan fees and service charges, net gains (losses) on investment securities, and other, which is primarily made up of BOLI related income.

Earnings Per Share – Basic earnings per common share is net income or loss divided by the weighted average number of common shares outstanding during the period. Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable during the period, consisting of stock options outstanding under the Company’s stock incentive plans that have an exercise price that is less than the Company’s stock price on the reporting date.

Loss Contingencies—Loss contingencies, including claims and legal actions arising in the normal course of business, are recorded as liabilities when the likelihood of loss is probable and an amount of loss can be reasonably estimated.

Off-Balance-Sheet Financial Instruments—In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit and commitments under lines of credit arrangements, issued to meet customer financial needs. Such financial instruments are recorded in the financial statements when they become payable.

Derivatives--Rate-lock Commitments and Forward Sale Agreements —The Company enters into commitments to originate loans, whereby the interest rate on the loan is determined prior to funding (rate-lock commitment). Rate-lock commitments on mortgage loans held for sale are derivative instruments. If material, derivative instruments are carried on the consolidated balance sheets at fair value, and changes in the fair value thereof are recognized in the consolidated statements of operations. The Company originates single-family residential loans for sale, pursuant to programs primarily with the Federal Home Loan Mortgage Corporation (“FHLMC”) and other similar third parties. In connection with these programs, at the time the Company initially issues a loan commitment, it does not lock in a specific interest rate. At the time the interest rate is locked in by the borrower, the Company concurrently enters into a forward loan sale agreement with the prospective loan purchaser, at a specific price, in order to manage the interest rate risk inherent to the rate-lock commitment. The forward sale agreement also meets the definition of a derivative instrument. Any change in the fair value of the loan commitment after the borrower locks in the interest rate is substantially offset by the corresponding change in the fair value of the forward loan sale agreement related to such loan. The period from the time the borrower locks in the interest rate, to the time the Company funds the loan and sells the loan to a third party varies, and could be up to 90 days. The fair value of each instrument will rise and fall in response to changes in market interest rates, subsequent to the dates the interest rate locks and forward sale agreements are entered into. In the event that interest rates rise after the Company enters into an interest rate lock, the fair value of the loan commitment will decline. However, the fair value of the forward loan sale agreement related to such loan commitment should increase by substantially the same amount, effectively eliminating the Company’s interest rate and price risks.

At September 30, 2025, the Company had $4,570 of loan commitments outstanding related to loans being originated for sale, all of which were subject to interest rate lock commitments and corresponding forward loan sale agreements, as described above. The net fair values of outstanding interest rate-lock commitments and forward sale agreements were considered immaterial to the Company’s consolidated financial statements as of September 30, 2025.

Common Stock Repurchased-The Company is incorporated in Maryland. Under Maryland Law, shares repurchased are canceled and returned to authorized and unissued shares and recorded as a reduction of each of the applicable captions within stockholders’ equity on the consolidated balance sheets and consolidated statement of changes in stockholders’ equity.

Other Comprehensive Income —Accumulated and other comprehensive income or loss is comprised of the unrealized and realized gains and losses on securities available for sale, net of tax, and is shown on the accompanying consolidated statements of comprehensive income.

Operating Segments—The Chief Operating Decision Maker (as defined in Note 13) regularly reviews consolidated financial statements, as well as detailed revenue and net interest income and expense results in order to assess the Company’s performance and allocate resources. While the Chief Operating Decision Maker monitors the revenue streams of the various banking products and services, financial performance is evaluated and resource allocation decisions are made on a Company-wide basis. Accordingly, all of the Company’s banking operations are considered by the Chief Operating Decision Maker to be the Company’s sole reportable operating segment.

Reclassifications – Certain items previously reported were reclassified for consistency with the current presentation.

Recent Accounting Pronouncements—The Financial Accounting Standards Board (FASB) issues Accounting Standards Updates (ASUs) to the FASB Accounting Standards Codification (ASC). This section provides a summary description of recent ASUs that have potentially significant implications (elected or required) within the consolidated financial statements, or that management expects may have a significant impact on financial statements issued in the near future.

Recent Accounting Pronouncements—Adopted

ASU 2023-07, Segment Reporting (Topic 820): Improvements to Reportable Segment Disclosures—This ASU, issued in November 2023, requires all public entities to provide enhanced disclosures about significant segment expenses. This update has been applied retrospectively, and is effective for fiscal years beginning after December 15, 2023, and interim periods with fiscal years beginning after December 15, 2024. Adoptions of ASU 2023-07 had no material effect on the Company’s consolidated balance sheet, operations or cash flows.

Recently Issued, But Not Yet Effective Accounting Pronouncements

ASU 2023-09, Income Taxes – Improvements to Income Tax Disclosures – This ASU, issued in December 2023, is effective for fiscal years beginning after December 15, 2024, and interim periods therein, with early adoption permitted. This ASU requires expanded income tax-related note disclosures. The Company is currently evaluating the impact of these new disclosure requirements.

ASU 2024-03, Income Statement, Reporting of Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses—This ASU, issued in November 2024, is effective for fiscal years beginning after December 15, 2027, and interim periods therein, with early adoption permitted. This ASU requires more detailed note disclosure about the types of expenses in commonly presented expense captions. The Company is currently evaluating the impact of these new disclosure requirements.

NOTE 2 – INVESTMENT SECURITIES

The amortized cost and fair value of securities available for sale and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income as of September 30, 2025 and December 31, 2024, respectively, were as follows:


Available-for-sale securities	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value
September 30, 2025
U.S. government agency obligations	$	11,502	$	10	$	80	$	11,432

Mortgage-backed securities	83,679		—		16,079		67,600

Corporate debt securities	44,452		140		2,308		42,284
Asset-backed securities	16,566		16		259		16,323

Total available-for-sale securities	$	156,199	$	166	$	18,726	$	137,639

December 31, 2024
U.S. government agency obligations	$	13,853	$	28	$	128	$	13,753

Mortgage-backed securities	87,762		—		19,376		68,386

Corporate debt securities	44,931		111		3,326		41,716
Asset-backed securities	19,058		43		105		18,996

Total available-for-sale securities	$	165,604	$	182	$	22,935	$	142,851

The amortized cost and fair value of securities held to maturity and the corresponding amounts of gross unrecognized gains and losses as of September 30, 2025 and December 31, 2024, respectively, were as follows:


Held-to-maturity securities	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Estimated Fair Value
September 30, 2025

Obligations of states and political subdivisions	$	400	$	—	$	15	$	385
Mortgage-backed securities	81,126		6		16,638		64,494
Total held-to-maturity securities	$	81,526	$	6	$	16,653	$	64,879

December 31, 2024
Obligations of states and political subdivisions	$	500	$	—	$	22	$	478
Mortgage-backed securities	85,004		4		19,864		65,144
Total held-to-maturity securities	$	85,504	$	4	$	19,886	$	65,622

At September 30, 2025, the Bank has pledged certain of its mortgage-backed securities with a carrying value of $32,596 as collateral to secure a line of credit with the Federal Reserve Bank. As of September 30, 2025, there were no borrowings outstanding on this Federal Reserve Bank line of credit. As of September 30, 2025, the Bank has pledged certain of its U.S. Government Agency securities with a carrying value of $220 and mortgage-backed securities with a carrying value of $1,850 as collateral against specific municipal deposits. As of September 30, 2025, the Bank also has mortgage-backed securities with a carrying value of $419 pledged as collateral to the Federal Home Loan Bank of Des Moines.

At December 31, 2024 the Bank had pledged certain of its mortgage-backed securities with a carrying value of $33,994 as collateral to secure a line of credit with the Federal Reserve Bank. As of December 31, 2024, there were no borrowings outstanding on this Federal Reserve Bank line of credit. As of December 31, 2024, the Bank had pledged certain of its U.S. Government Agency securities with a carrying value of $339 and mortgage-backed securities with a carrying value of $1,766 as collateral against specific municipal deposits. As of December 31, 2024, the Bank also had mortgage-backed securities with a carrying value of $506, pledged as collateral to the Federal Home Loan Bank of Des Moines.

For the nine month periods ended September 30, 2025, and September 30, 2024, there were no sales of available for sale securities.

The estimated fair value of securities at September 30, 2025 and December 31, 2024, by contractual maturity, is shown below.


	September 30, 2025				December 31, 2024
Available-for-sale securities	Amortized Cost		Estimated Fair Value		Amortized Cost		Estimated Fair Value
Due in one year or less	$	4,012	$	3,994	$	4,526	$	4,487
Due after one year through five years	6,818		6,881		8,652		8,715
Due after five years through ten years	40,196		37,924		41,380		38,033
Due after ten years	21,494		21,240		23,284		23,230
Total securities with contractual maturities	72,520		70,039		77,842		74,465
Mortgage-backed securities	83,679		67,600		87,762		68,386

Total available for sale securities	$	156,199	$	137,639	$	165,604	$	142,851


	September 30, 2025				December 31, 2024
Held-to-maturity securities	Amortized Cost		Estimated Fair Value		Amortized Cost		Estimated Fair Value
Due in one year or less	$	100	$	99	$	100	$	100
Due after one year through five years	300		286		400		378


Total securities with contractual maturities	400		385		500		478
Mortgage-backed securities	81,126		64,494		85,004		65,144
Total held to maturity securities	$	81,526	$	64,879	$	85,504	$	65,622

Securities with unrealized losses at September 30, 2025 and December 31, 2024, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows:


	Less than 12 Months				12 Months or More				Total
Available-for-sale securities	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
September 30, 2025
U.S. government agency obligations	$	2,262	$	9	$	6,208	$	71	$	8,470	$	80

Mortgage-backed securities	—		—		67,600		16,079		67,600		16,079

Corporate debt securities	927		24		29,866		2,284		30,793		2,308
Asset-backed securities	5,277		42		10,143		217		15,420		259

Total	$	8,466	$	75	$	113,817	$	18,651	$	122,283	$	18,726
December 31, 2024
U.S. government agency obligations	$	5,472	$	25	$	3,334	$	103	$	8,806	$	128

Mortgage-backed securities	2,732		112		65,654		19,264		68,386		19,376

Corporate debt securities	—		—		36,806		3,326		36,806		3,326
Asset-backed securities	939		1		12,210		104		13,149		105

Total	$	9,143	$	138	$	118,004	$	22,797	$	127,147	$	22,935

At September 30, 2025 no ACL was established for available for sale or held to maturity securities. Substantially all the held to maturity portfolio is made up of agency backed mortgage securities. These securities are guaranteed by the U.S. government, are highly rated by major rating agencies, and have a long history of no credit losses. At September 30, 2025, there were no past due held to maturity securities. Accordingly, the Company does not expect to incur credit losses on these securities. Unrealized losses on available-for-sale investment securities have not been recognized into income because the issuers’ bonds are agency backed securities or other securities that all principal and interest is expected to be received on a timely basis. Furthermore, the Company does not intend to sell, and it is more likely than not that management will not be required to sell, the securities prior to their anticipated recovery, and the decline in fair value is largely due to changes in interest rates. The issuers continue to make timely principal and interest payments on their bonds.

All of our available for sale and held to maturity investment securities are investment grade securities.

NOTE 3 – LOANS AND ALLOWANCE FOR CREDIT LOSSES

Portfolio Segments:

Commercial and agricultural real estate loans are underwritten after evaluating and understanding the borrower's ability to operate profitably and prudently expand its business. Management examines current and projected cash flows to determine the ability of the borrower to repay its obligations as agreed. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally largely dependent on the successful operation of the property or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The level of owner-occupied property versus non-owner-occupied property are tracked and monitored on a regular basis. Agricultural real estate loans are primarily comprised of loans for the purchase of farmland. Loan-to-value ratios on loans secured by farmland generally do not exceed 75%.

Commercial and industrial (“C&I”) loans are primarily underwritten based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. These cash flows, however, may not be as expected and the value of collateral securing the loans may fluctuate. Most commercial loans are secured by the assets being financed or other business assets such as accounts receivable or inventory and may incorporate a personal guarantee. Agricultural operating loans are generally comprised of term loans to fund the purchase of equipment, livestock and seasonal operating lines. Operating lines are typically written for one year and secured by the crop and other farm assets or other business assets, as considered necessary. Agricultural loans carry significant credit risks as they may involve larger balances concentrated with single borrowers or groups of related borrowers. In addition, repayment of such loans depends on the successful operation or management of the farm property securing the loan or for which an operating loan is utilized. Farming operations may be affected by adverse weather conditions such as drought, hail or floods that can severely limit crop yields.

Residential mortgage loans are collateralized by primary and secondary positions on real estate and are underwritten primarily based on borrower’s documented income, credit scores, and collateral values. Under consumer home equity loan guidelines, the borrower will be approved for a loan based on a percentage of their home’s appraised value less the balance owed on the existing first mortgage. Credit risk is minimized within the residential mortgage portfolio due to relatively small loan account balances spread across many individual borrowers. Management evaluates trends in past due loans and current economic factors such as the housing price index on a regular basis.

Consumer installment loans are comprised of other consumer loans secured primarily by automobiles and other personal assets and originated indirect paper loans secured primarily by boats and recreational vehicles. Consumer loan underwriting terms often depend on the collateral type, debt to income ratio and the borrower’s creditworthiness as evidenced by their credit score. In the event of a consumer installment loan default, collateral value alone may not provide an adequate source of repayment of the outstanding loan balance. This shortage is a result of the greater likelihood of damage, loss and depreciation for consumer based collateral.

Loans are stated at the principal amount outstanding net of unearned net deferred fees and costs and loans in process, unearned discounts on acquired loans, and allowance for credit losses (“ACL”). Unearned net deferred fees and costs includes deferred loan origination fees reduced by loan origination costs and is amortized to interest income over the life of the related loan using methods that approximated the effective interest rate method. Interest on substantially all loans is credited to income based on the principal amount outstanding. A summary of loans at September 30, 2025, and December 31, 2024, follows:


	September 30, 2025					December 31, 2024
		Amortized Cost		% of Total		Amortized Cost		% of Total
Commercial/Agricultural real estate:
Commercial real estate		$	682,440	51.6	%	$	707,009	51.7	%
Agricultural real estate		64,001		4.8	%	72,738		5.3	%
Multi-family real estate		237,068		17.9	%	220,706		16.1	%
Construction and land development		74,354		5.6	%	78,146		5.7	%
C&I/Agricultural operating:
Commercial and industrial		101,535		7.7	%	115,535		8.4	%
Agricultural operating		30,078		2.3	%	31,017		2.3	%
Residential mortgage:
Residential mortgage		124,834		9.4	%	131,892		9.6	%
Purchased HELOC loans		1,979		0.2	%	2,956		0.2	%
Consumer installment:
Originated indirect paper		2,566		0.2	%	3,970		0.3	%
Other consumer		4,155		0.3	%	5,012		0.4	%
Total loans receivable		$	1,323,010	100	%	$	1,368,981	100	%
Less: Allowance for credit losses		(22,182)				(20,549)
Net loans receivable		$	1,300,828			$	1,348,432

Credit Quality/Risk Ratings:

Management utilizes a numeric risk rating system to identify and quantify the Bank’s risk of loss within its commercial/agricultural real estate and commercial and industrial/agricultural operating loan portfolios. Ratings are initially assigned prior to funding the loan, and may be changed at any time as circumstances warrant.

Ratings range from the highest to lowest quality based on factors that include measurements of ability to pay, collateral type and value, borrower stability and management experience. The Bank’s loan portfolio ratings are presented below in accordance with the risk rating framework that has been commonly adopted by the federal banking agencies. The definitions of the various risk rating categories are as follows:

1 through 4 - Pass. A “Pass” loan means that the condition of the borrower and the performance of the loan is satisfactory or better.

5 - Watch. A “Watch” loan has clearly identifiable developing weaknesses that deserve additional attention from management. Weaknesses that are not corrected or mitigated, may jeopardize the ability of the borrower to repay the loan in the future.

6 - Special Mention. A “Special Mention” loan has one or more potential weakness that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the institution’s credit position in the future.

7 - Substandard. A “Substandard” loan is inadequately protected by the current net worth and paying capacity of the obligor or the collateral pledged, if any. Assets classified as substandard must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

8 - Doubtful. A “Doubtful” loan has all the weaknesses inherent in a Substandard loan with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable.

9 - Loss. Loans classified as “Loss” are considered uncollectible, and their continuance as bankable assets is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, and a partial recovery may occur in the future.

As of September 30, 2025, and December 31, 2024, there were no loans classified as doubtful with a risk rating of 8 and no loans classified as loss with a risk rating of 9.

Residential and consumer loans are typically not rated until they are past due 90 days at month-end which is why they are classified as pass graded 1-5 and once 90 days past due at month-end or nonaccrual, get assigned a grade 7.

Below is a summary of the amortized cost of loans summarized by class, credit quality risk rating and year of origination as of September 30, 2025, and gross charge-offs for the nine months ended September 30, 2025:


	Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving		Revolving to Term		Total
Commercial/Agricultural real estate:
Commercial real estate
Risk rating 1 to 5	$	49,611	$	48,332	$	73,187	$	99,390	$	195,318	$	189,575	$	8,917	$	—	$	664,330
Risk rating 6	—		776		119		2,207		2,794		3,481		24		—		9,401
Risk rating 7	—		170		1,318		1,091		1,969		4,161		—		—		8,709


Total	$	49,611	$	49,278	$	74,624	$	102,688	$	200,081	$	197,217	$	8,941	$	—	$	682,440
Current period gross charge-offs	$	—	$	—	$	—	$	51	$	—	$	—	$	—	$	—	$	51
Agricultural real estate
Risk rating 1 to 5	$	13,527	$	2,551	$	6,197	$	16,190	$	9,466	$	15,055	$	656	$	—	$	63,642
Risk rating 6	—		—		—		—		—		139		—		—		139
Risk rating 7	—		—		197		—		—		23		—		—		220


Total	$	13,527	$	2,551	$	6,394	$	16,190	$	9,466	$	15,217	$	656	$	—	$	64,001
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multi-family real estate
Risk rating 1 to 5	$	20,683	$	8,633	$	7,671	$	56,177	$	88,708	$	45,846	$	380	$	—	$	228,098
Risk rating 6	—		—		—		—		—		—		—		—		—
Risk rating 7	—		—		—		—		8,970		—		—		—		8,970


Total	$	20,683	$	8,633	$	7,671	$	56,177	$	97,678	$	45,846	$	380	$	—	$	237,068
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction and land development
Risk rating 1 to 5	$	22,682	$	13,350	$	26,836	$	9,012	$	259	$	1,981	$	234	$	—	$	74,354
Risk rating 6	—		—		—		—		—		—		—		—		—
Risk rating 7	—		—		—		—		—		—		—		—		—


Total	$	22,682	$	13,350	$	26,836	$	9,012	$	259	$	1,981	$	234	$	—	$	74,354
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5	$	12,127	$	16,854	$	8,390	$	20,059	$	8,871	$	9,419	$	18,446	$	—	$	94,166
Risk rating 6	230		794		1,435		2,221		61		138		556		—		5,435
Risk rating 7	—		—		280		741		381		—		532		—		1,934


Total	$	12,357	$	17,648	$	10,105	$	23,021	$	9,313	$	9,557	$	19,534	$	—	$	101,535
Current period gross charge-offs	$	—	$	—	$	36	$	23	$	—	$	—	$	35	$	—	$	94
Agricultural operating
Risk rating 1 to 5	$	3,944	$	1,181	$	2,501	$	2,212	$	375	$	948	$	18,438	$	—	$	29,599
Risk rating 6	—		—		46		—		30		203		200		—		479
Risk rating 7	—		—		—		—		—		—		—		—		—


Total	$	3,944	$	1,181	$	2,547	$	2,212	$	405	$	1,151	$	18,638	$	—	$	30,078
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Continued	Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving		Revolving to Term		Total
Residential mortgage:
Residential mortgage
Risk rating 1 to 5	$	8,649	$	9,883	$	24,140	$	29,056	$	6,753	$	27,094	$	16,916	$	—	$	122,491

Risk rating 7	—		—		—		—		134		2,109		100		—		2,343


Total	$	8,649	$	9,883	$	24,140	$	29,056	$	6,887	$	29,203	$	17,016	$	—	$	124,834
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Purchased HELOC loans
Risk rating 1 to 5	$	—	$	—	$	—	$	—	$	—	$	—	$	1,862	$	—	$	1,862

Risk rating 7	—		—		—		—		—		—		117		—		117


Total	$	—	$	—	$	—	$	—	$	—	$	—	$	1,979	$	—	$	1,979
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5	$	—	$	—	$	—	$	—	$	—	$	2,536	$	—	$	—	$	2,536

Risk rating 7	—		—		—		—		—		30		—		—		30


Total	$	—	$	—	$	—	$	—	$	—	$	2,566	$	—	$	—	$	2,566
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	1	$	—	$	—	$	1
Other consumer
Risk rating 1 to 5	$	1,142	$	942	$	782	$	462	$	208	$	168	$	448	$	—	$	4,152

Risk rating 7	—		1		—		—		—		—		2		—		3


Total	$	1,142	$	943	$	782	$	462	$	208	$	168	$	450	$	—	$	4,155
Current period gross charge-offs	$	—	$	3	$	10	$	—	$	—	$	—	$	4	$	—	$	17
Total loans receivable	$	132,595	$	103,467	$	153,099	$	238,818	$	324,297	$	302,906	$	67,828	$	—	$	1,323,010
Total current period gross charge-offs	$	—	$	3	$	46	$	74	$	—	$	1	$	39	$	—	$	163

Below is a summary of the amortized cost of loans summarized by class, credit quality risk rating and year of origination as of December 31, 2024, and gross charge-offs for the twelve months ended December 31, 2024:


	Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving		Revolving to Term		Total
Commercial/Agricultural real estate:
Commercial real estate
Risk rating 1 to 5	$	49,580	$	76,381	$	123,806	$	207,155	$	89,539	$	141,264	$	7,669	$	—	$	695,394
Risk rating 6	173		1,406		2,238		138		—		—		—		—		3,955
Risk rating 7	—		—		553		2,445		214		4,448		—		—		7,660


Total	$	49,753	$	77,787	$	126,597	$	209,738	$	89,753	$	145,712	$	7,669	$	—	$	707,009
Current period gross charge-offs	$	—	$	—	$	—	$	39	$	—	$	—	$	—	$	—	$	39
Agricultural real estate
Risk rating 1 to 5	$	3,556	$	10,870	$	17,160	$	10,098	$	7,335	$	16,642	$	715	$	—	$	66,376
Risk rating 6	—		—		—		—		—		140		—		—		140
Risk rating 7	—		202		477		5,102		—		441		—		—		6,222


Total	$	3,556	$	11,072	$	17,637	$	15,200	$	7,335	$	17,223	$	715	$	—	$	72,738
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multi-family real estate
Risk rating 1 to 5	$	8,777	$	7,790	$	40,426	$	101,213	$	43,115	$	19,005	$	380	$	—	$	220,706
Risk rating 6	—		—		—		—		—		—		—		—		—
Risk rating 7	—		—		—		—		—		—		—		—		—


Total	$	8,777	$	7,790	$	40,426	$	101,213	$	43,115	$	19,005	$	380	$	—	$	220,706
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction and land development
Risk rating 1 to 5	$	23,832	$	25,102	$	10,186	$	346	$	1,297	$	868	$	16,412	$	—	$	78,043
Risk rating 6	—		—		—		—		—		103		—		—		103
Risk rating 7	—		—		—		—		—		—		—		—		—


Total	$	23,832	$	25,102	$	10,186	$	346	$	1,297	$	971	$	16,412	$	—	$	78,146
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5	$	17,599	$	13,049	$	28,343	$	13,629	$	8,787	$	4,197	$	24,809	$	—	$	110,413
Risk rating 6	—		—		3,062		13		—		—		292		626		3,993
Risk rating 7	—		500		74		401		—		—		154		—		1,129


Total	$	17,599	$	13,549	$	31,479	$	14,043	$	8,787	$	4,197	$	25,255	$	626	$	115,535
Current period gross charge-offs	$	—	$	131	$	7	$	—	$	5	$	—	$	—	$	—	$	143
Agricultural operating
Risk rating 1 to 5	$	3,373	$	3,062	$	3,144	$	563	$	198	$	1,884	$	17,609	$	—	$	29,833
Risk rating 6	—		49		—		37		240		—		65		—		391
Risk rating 7	—		—		473		320		—		—		—		—		793


Total	$	3,373	$	3,111	$	3,617	$	920	$	438	$	1,884	$	17,674	$	—	$	31,017
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Continued	Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving		Revolving to Term		Total
Residential mortgage:
Residential mortgage
Risk rating 1 to 5	$	13,400	$	28,598	$	30,386	$	7,369	$	2,141	$	30,004	$	17,349	$	—	129,247

Risk rating 7	—		—		130		—		—		2,507		8		—		2,645


Total	$	13,400	$	28,598	$	30,516	$	7,369	$	2,141	$	32,511	$	17,357	$	—	$	131,892
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	4	$	—	$	—	$	4
Purchased HELOC loans
Risk rating 1 to 5	$	—	$	—	$	—	$	—	$	—	$	—	$	2,839	$	—	$	2,839

Risk rating 7	—		—		—		—		—		—		117		—		117


Total	$	—	$	—	$	—	$	—	$	—	$	—	$	2,956	$	—	$	2,956
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5	$	—	$	—	$	—	$	—	$	—	$	3,944	$	—	$	—	$	3,944

Risk rating 7	—		—		—		—		—		26		—		—		26


Total	$	—	$	—	$	—	$	—	$	—	$	3,970	$	—	$	—	$	3,970
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	17	$	—	$	—	$	17
Other consumer
Risk rating 1 to 5	$	1,519	$	1,229	$	811	$	385	$	341	$	214	$	511	$	—	$	5,010

Risk rating 7	2		—		—		—		—		—		—		—		2


Total	$	1,521	$	1,229	$	811	$	385	$	341	$	214	$	511	$	—	$	5,012
Current period gross charge-offs	$	—	$	4	$	3	$	1	$	—	$	—	$	10	$	—	$	18
Total loans receivable	$	121,811	$	168,238	$	261,269	$	349,214	$	153,207	$	225,687	$	88,929	$	626	$	1,368,981
Total current period gross charge-offs	$	—	$	135	$	10	$	40	$	5	$	21	$	10	$	—	$	221

Allowance for Credit Losses - Loans- The ACL is comprised of collectively evaluated and individually evaluated components. The allowance for credit losses (“ACL”) represents the Company’s best estimate of the reserve necessary to adequately account for probable losses expected over the remaining life of the assets. The provision for credit losses is the charge against current earnings that is determined by the Company as the amount needed to maintain an adequate allowance for credit losses. In determining the adequacy of the allowance for credit losses, and therefore the provision to be charged to current earnings, the Company relies predominantly on a disciplined credit review and approval process that extends to the full range of the Company’s credit exposure. The review process is directed by the overall lending policy and is intended to identify, at the earliest possible stage, the borrowers who might be facing financial difficulty. Factors considered by the Company in evaluating the overall adequacy of the allowance include historical net loan losses, the level and composition of nonaccrual, past due and modifications, trends in volumes and terms of loans, effects of changes in risk selection and underwriting standards or lending practices, lending staff changes, concentrations of credit, industry conditions and the current economic conditions in the region where the Company operates. The Company estimates the appropriate level of allowance for credit losses by evaluating loans collectively on a pooled basis when similar risk characteristics exist, and on an individual basis when management determines that a loan does not share similar risk characteristics with other loans.

The following tables present the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment for the three and nine months ended September 30, 2025:


	Commercial/Agricultural Real Estate		C&I/Agricultural operating		Residential Mortgage		Consumer Installment		Total
Three months ended September 30, 2025
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period	$	17,164	$	1,658	$	2,347	$	178	$	21,347

Charge-offs	—		(7)		—		—		(7)
Recoveries	—		3		52		3		58
Additions/reversals to ACL - Loans via provision for credit losses charged to operations	388		490		(76)		(18)		784
ACL - Loans, at end of period	$	17,552	$	2,144	$	2,323	$	163	$	22,182


	Commercial/Agricultural Real Estate		C&I/Agricultural operating		Residential Mortgage		Consumer Installment		Total
Nine months ended September 30, 2025
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period	$	16,516	$	1,330	$	2,489	$	214	$	20,549

Charge-offs	(51)		(94)		—		(18)		(163)
Recoveries	92		49		53		11		205
Additions/(reversals) to ACL - Loans via provision for credit losses charged to operations	995		859		(219)		(44)		1,591
ACL - Loans, at end of period	$	17,552	$	2,144	$	2,323	$	163	$	22,182

The following table presents the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment for the three and nine months ended September 30, 2024:

Commercial/Agricultural Real Estate

C&I/Agricultural operating

Residential Mortgage

Consumer Installment

Total

Three months ended September 30, 2024

Allowance for Credit Losses - Loans:

ACL - Loans, at beginning of period

17,033

Citizens Community Bancorp Inc. 10-Q