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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 March 31, 2026


☐			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 May 6, 2026 there were 9,644,112 shares of the registrant’s common stock, par value $0.01 per share, outstanding.

CITIZENS COMMUNITY BANCORP, INC.

FORM 10-Q

March 31, 2026

INDEX


			Page Number
Part I – FINANCIAL INFORMATION
	Item 1.	Financial Statements
		Consolidated Balance Sheets as of March 31, 2026 (Unaudited) and December 31, 2025	5
		Consolidated Statements of Operations (Unaudited) for the three months ended March 31, 2026 and 2025	6
		Consolidated Statements of Comprehensive Income (Loss) (Unaudited) for the three months ended March 31, 2026 and 2025	7
		Consolidated Statement of Changes in Stockholders’ Equity (Unaudited) for the three months ended March 31, 2026 and the year ended December 31, 2025	8
		Consolidated Statements of Cash Flows (Unaudited) for the three months ended March 31, 2026 and 2025	10
		Condensed Notes to Consolidated Financial Statements (Unaudited)	12
	Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	58
	Item 3.	Quantitative and Qualitative Disclosures about Market Risk	83
	Item 4.	Controls and Procedures	84
Part II – OTHER INFORMATION			85
	Item 1.	Legal Proceedings	85
	Item 1A.	Risk Factors	85
	Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	85
	Item 3.	Defaults Upon Senior Securities	85
	Item 4.	Mine Safety Disclosures	85
	Item 5.	Other Information	85
	Item 6.	Exhibits	86
SIGNATURES			87

PART 1 – FINANCIAL INFORMATION

ITEM 1.FINANCIAL STATEMENTS

CITIZENS COMMUNITY BANCORP, INC.

Consolidated Balance Sheets

March 31, 2026 (unaudited) and December 31, 2025

(derived from audited financial statements)

(in thousands, except share data)


	March 31, 2026		December 31, 2025
Assets
Cash and cash equivalents	$	149,202	$	118,853

Available for sale ("AFS") securities, at fair value (amortized cost of $148,067, net of allowance for credit losses of $0 at March 31, 2026 and amortized cost of $151,618, net of allowance for credit losses of $0 at December 31, 2025)	130,876		134,103
Held to maturity ("HTM") securities, at amortized cost (fair value of $63,020, net of allowance for credit losses of $0 at March 31, 2026 and fair value of $64,117, net of allowance for credit losses of $0 at December 31, 2025)	79,014		80,210
Equity investments	5,978		5,840
Other investments	12,498		12,506
Loans receivable	1,358,252		1,340,325
Allowance for credit losses	(22,966)		(22,401)
Loans receivable, net	1,335,286		1,317,924
Loans held for sale	654		4,954
Mortgage servicing rights, net	3,484		3,494
Office properties and equipment, net	16,453		16,357
Accrued interest receivable	5,827		6,126
Intangible assets	282		395
Goodwill	31,498		31,498
Foreclosed and repossessed assets, net	857		857
Bank owned life insurance ("BOLI")	27,128		26,908

Other assets	23,937		21,730
TOTAL ASSETS	$	1,822,974	$	1,781,755


Liabilities and Stockholders’ Equity
Liabilities:
Deposits	$	1,565,622	$	1,524,099
Federal Home Loan Bank (“FHLB”) advances	—		—
Other borrowings	51,844		51,804
Other liabilities	14,634		17,913
Total liabilities	1,632,100		1,593,816

Stockholders’ Equity:

Common stock—$0.01 par value, authorized 30,000,000; 9,628,612 and 9,617,245 shares issued and outstanding, respectively	96		96
Additional paid-in capital	110,277		110,315
Retained earnings	92,739		89,995

Accumulated other comprehensive loss	(12,238)		(12,467)
Total stockholders’ equity	190,874		187,939
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$	1,822,974	$	1,781,755

See accompanying condensed notes to unaudited consolidated financial statements.

CITIZENS COMMUNITY BANCORP, INC.

Consolidated Statements of Operations (unaudited)

Three Months Ended March 31, 2026 and 2025

(in thousands, except per share data)


	Three Months Ended
	March 31, 2026		March 31, 2025
Interest and dividend income:
Interest and fees on loans	$	18,769	$	18,602
Interest on cash and investments	2,747		2,501
Total interest and dividend income	21,516		21,103
Interest expense:
Interest on deposits	7,791		8,597
Interest on FHLB and FRB borrowed funds	—		11
Interest on other borrowed funds	715		901
Total interest expense	8,506		9,509
Net interest income before provision for credit losses	13,010		11,594
Provision (provision reversal) for credit losses	750		(250)
Net interest income after provision for credit losses	12,260		11,844
Non-interest income:
Service charges on deposit accounts	460		423
Interchange income	501		518
Loan servicing income	661		559
Gain on sale of loans	1,021		720
Loan fees and service charges	138		120




Net (losses) gains on equity securities	(59)		10

Other	377		243
Total non-interest income	3,099		2,593
Non-interest expense:
Compensation and related benefits	6,066		5,597
Occupancy	1,278		1,287

Data processing	1,417		1,719
Amortization of intangible assets	113		179
Mortgage servicing rights expense, net	161		140
Advertising, marketing and public relations	226		167
FDIC premium assessment	231		198
Professional services	605		508
Losses on repossessed assets, net	—		4

Other	630		664
Total non-interest expense	10,727		10,463
Income before provision for income taxes	4,632		3,974
Provision for income taxes	877		777
Net income attributable to common stockholders	$	3,755	$	3,197
Per share information:
Basic earnings	$	0.39	$	0.32
Diluted earnings	$	0.39	$	0.32
Cash dividends paid	$	0.105	$	0.36

See accompanying condensed notes to unaudited consolidated financial statements.

CITIZENS COMMUNITY BANCORP, INC.

Consolidated Statements of Comprehensive Income (unaudited)

Three months ended March 31, 2026 and 2025

(in thousands)


	Three Months Ended
	March 31, 2026		March 31, 2025
Net income attributable to common stockholders	$	3,755	$	3,197
Other comprehensive income, net of tax:
Securities available-for-sale
Net unrealized gains arising during period, net of tax	229		1,455


Other comprehensive income, net of tax	229		1,455



Comprehensive income	$	3,984	$	4,652

See accompanying condensed notes to unaudited consolidated financial statements.

CITIZENS COMMUNITY BANCORP, INC.

Consolidated Statement of Changes in Stockholders’ Equity (unaudited)

Three Months Ended March 31, 2026

(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, 2025	9,617,245	$	96	$	110,315	$	89,995	$	(12,467)	$	187,939
Net income	—	—		—		3,755		—		3,755
Other comprehensive income, net of tax	—	—		—		—		229		229

Surrender of restricted shares of common stock to satisfy the withholding taxes due upon vesting	(4,813)	—		(89)		—		—		(89)

Restricted common stock issued upon achievement of the 2023 performance criteria	11,180	—		—		—		—		—


Common stock options exercised	5,000	—		47		—		—		47


Stock based compensation expense	—	—		4		—		—		4


Quarterly cash dividends ($0.105 per share)	—	—		—		(1,011)		—		(1,011)
Balance at March 31, 2026	9,628,612	$	96	$	110,277	$	92,739	$	(12,238)	$	190,874

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, 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 loss, 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 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
Net income	—	—		—		4,271		—		4,271
Other comprehensive loss, net of tax	—	—		—		—		760		760





Common stock options exercised	10,500	—		118		—		—		118
Common stock repurchased	(250,000)	(3)		(2,844)		(1,189)		—		(4,036)




Stock based compensation expense	—	—		11		—		—		11
Balance, December 31, 2025	9,617,245	$	96	$	110,315	$	89,995	$	(12,467)	$	187,939

See accompanying condensed notes to unaudited consolidated financial statements.

CITIZENS COMMUNITY BANCORP, INC.

Consolidated Statements of Cash Flows (unaudited)

Three Months Ended March 31, 2026 and 2025

(in thousands)


	Three Months Ended
	March 31, 2026		March 31, 2025
Cash flows from operating activities:
Net income attributable to common stockholders	$	3,755	$	3,197
Adjustments to reconcile net income to net cash provided by operating activities:
Net accretion on debt securities	(27)		(10)
Depreciation expense	474		526
Provision (provision reversal) for credit losses	750		(250)
Net losses (gains) on equity securities	59		(10)


Increase in mortgage servicing rights resulting from transfers of financial assets	(151)		(60)
Mortgage servicing rights amortization	161		140
Amortization of intangible assets	113		179
Stock based compensation expense	4		68


Decrease (increase) in deferred income taxes	118		(18)
Increase in cash surrender value of life insurance	(220)		(194)
Net loss from disposals of foreclosed and repossessed assets	—		19

Provision for valuation allowance on foreclosed properties	—		(15)
Gain on sale of loans held for sale, net	(1,021)		(720)
Proceeds from sale of loans held for sale	24,323		14,643
Originations of loans held for sale	(19,002)		(15,890)

Amortization of debt issuance costs	40		58
Net change in:

Accrued interest receivable and other assets	(2,121)		37
Other liabilities	(3,279)		(87)
Total adjustments	221		(1,584)
Net cash from operating activities	3,976		1,613
Cash flows from investing activities:


Purchase of available for sale securities	(750)		—
Proceeds from principal payments and maturities of available for sale securities	3,450		5,114
Proceeds from calls of available for sale securities	880		—


Proceeds from principal payments and maturities of held to maturity securities	1,194		1,199

Equity investment capital distribution	77		—
Purchase of equity investments	(274)		(750)
Net sales of other investments	8		4
Proceeds from sales of foreclosed and repossessed assets	—		35

Net (increase) decrease in loans	(18,112)		16,159
Net capital expenditures	(570)		(100)



Net cash from investing activities	(14,097)		21,661


Cash flows from financing activities:






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




Net increase in deposits	41,523		35,506



Surrender of restricted shares of common stock	(89)		(183)
Common stock options exercised	47		28
Cash dividends paid	(1,011)		(3,598)
Net cash from financing activities	40,470		26,753
Net increase in cash and cash equivalents	30,349		50,027
Cash and cash equivalents at beginning of period	118,853		50,172
Cash and cash equivalents at end of period	$	149,202	$	100,199


Supplemental cash flow information:
Cash paid during the period for:
Interest on deposits	$	8,635	$	8,245
Interest on borrowings	$	306	$	737
Income taxes	$	—	$	—
Supplemental noncash disclosure:
Transfers from loans receivable to other real estate owned ("OREO")	$	—	$	—

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 March 31, 2026, through the date on which the consolidated financial statements were available to be issued on May 6, 2026, 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, 2025, filed with the SEC on March 5, 2026; 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 than 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 $762 and $924 at March 31, 2026 and December 31, 2025, respectively. The Company has no available-for-sale securities or held-to-maturity securities which it deems to have a credit loss at March 31, 2026 and December 31, 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 $12,498 at March 31, 2026, consisted of $3,708 of FHLB stock, $5,726 of Federal Reserve Bank stock and $3,064 of Bankers’ Bank stock. Other investments totaling $12,506 at December 31, 2025, consisted of $3,717 of FHLB stock and $5,726 of Federal Reserve Bank stock and $3,063 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 judgment 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 loan’s 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 loan’s 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 $4,523 and $4,841 at March 31, 2026 and December 31, 2025, 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 March 31, 2026, 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, 2025, and no circumstances arose after October 31, 2025, that indicated impairment existed at December 31, 2025, per the quarterly analysis. The Company has monitored events and conditions since December 31, 2025, 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 March 31, 2026 and December 31, 2025, the carrying amount of this investment, which is included in other assets in the consolidated balance sheets, was $7,447 and $7,707, respectively. 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 March 31, 2026, 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 - For cash flow purposes short-term FHLB advances 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 2022 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 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 18.9% and 19.6% for the three months ended March 31, 2026 and March 31, 2025, 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 March 31, 2026 and December 31, 2025, the Company had $5,414 and $5,456, respectively, 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 March 31, 2026.

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 and had no effect on prior period net income or shareholders’ equity.

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

None.

Recently Issued, But Not Yet Effective Accounting Pronouncements

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.

ASU 2025-08, Financial Instruments—Credit Losses (Topic 326); Purchased Loans—This ASU, issued in November 2025, is effective for fiscal years beginning after December 15, 2026 and interim periods within those annual reporting periods, with early adoption permitted. The update requires purchased seasoned loans to be accounted for using the gross-up approach, enhancing comparability and consistency in the accounting of acquired financial assets. The gross-up approach requires recognition of an allowance for credit losses for the estimated credit losses at the acquisition date, with an offsetting “gross up” to the purchase price of the acquired financial asset. The Company is currently evaluating the potential impact of this update.

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 March 31, 2026 and December 31, 2025, respectively, were as follows:


Available-for-sale securities	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value
March 31, 2026
U.S. government agency obligations	$	9,790	$	19	$	38	$	9,771

Mortgage-backed securities	80,866		—		15,709		65,157

Corporate debt securities	41,790		158		1,456		40,492
Student loan asset-backed securities	15,621		3		168		15,456

Total available-for-sale securities	$	148,067	$	180	$	17,371	$	130,876

December 31, 2025
U.S. government agency obligations	$	10,811	$	15	$	53	$	10,773

Mortgage-backed securities	82,264		—		15,580		66,684

Corporate debt securities	42,394		152		1,864		40,682
Student loan asset-backed securities	16,149		10		195		15,964

Total available-for-sale securities	$	151,618	$	177	$	17,692	$	134,103

The amortized cost and fair value of securities held-to-maturity and the corresponding amounts of gross unrecognized gains and losses as of March 31, 2026 and December 31, 2025, respectively, were as follows:


Held-to-maturity securities	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Estimated Fair Value
March 31, 2026

Obligations of states and political subdivisions	$	300	$	—	$	10	$	290
Mortgage-backed securities	78,714		5		15,989		62,730
Total held-to-maturity securities	$	79,014	$	5	$	15,999	$	63,020

December 31, 2025
Obligations of states and political subdivisions	$	400	$	—	$	12	$	388
Mortgage-backed securities	79,810		6		16,087		63,729
Total held-to-maturity securities	$	80,210	$	6	$	16,099	$	64,117

At March 31, 2026, the Bank has pledged certain of its mortgage-backed securities with a carrying value of $31,633 as collateral to secure a line of credit with the Federal Reserve Bank. As of March 31, 2026, there were no borrowings outstanding on this Federal Reserve Bank line of credit. As of March 31, 2026, the Bank has pledged certain of its U.S. Government Agency securities with a carrying value of $76 and mortgage-backed securities with a carrying value of $1,533 as collateral against specific municipal deposits. As of March 31, 2026, the Bank also has mortgage-backed securities with a carrying value of $386 pledged as collateral to the Federal Home Loan Bank of Des Moines.

At December 31, 2025, the Bank had pledged certain of its mortgage-backed securities with a carrying value of $32,056 as collateral to secure a line of credit with the Federal Reserve Bank. As of December 31, 2025, there were no borrowings outstanding on this Federal Reserve Bank line of credit. As of December 31, 2025, the Bank had pledged certain of its U.S. Government Agency securities with a carrying value of $213 and mortgage-backed securities with a carrying value of $1,790 as collateral against specific municipal deposits. As of December 31, 2025, the Bank also had mortgage-backed securities with a carrying value of $401, pledged as collateral to the Federal Home Loan Bank of Des Moines.

For the three month periods ended March 31, 2026 and March 31, 2025, there were no sales of available for sale securities.

The estimated fair value of securities at March 31, 2026 and December 31, 2025, by contractual maturity, is shown below.


	March 31, 2026				December 31, 2025
Available-for-sale securities	Amortized Cost		Estimated Fair Value		Amortized Cost		Estimated Fair Value
Due in one year or less	$	3,858	$	3,867	$	2,013	$	2,006
Due after one year through five years	7,186		7,187		8,533		8,574
Due after five years through ten years	36,564		35,226		38,403		36,617
Due after ten years	19,593		19,439		20,405		20,222
Total securities with contractual maturities	67,201		65,719		69,354		67,419
Mortgage-backed securities	80,866		65,157		82,264		66,684

Total available for sale securities	$	148,067	$	130,876	$	151,618	$	134,103


	March 31, 2026				December 31, 2025
Held-to-maturity securities	Amortized Cost		Estimated Fair Value		Amortized Cost		Estimated Fair Value
Due in one year or less	$	150	$	147	$	100	$	100
Due after one year through five years	150		143		300		288


Total securities with contractual maturities	300		290		400		388
Mortgage-backed securities	78,714		62,730		79,810		63,729
Total held to maturity securities	$	79,014	$	63,020	$	80,210	$	64,117

Securities with unrealized losses at March 31, 2026 and December 31, 2025, 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
March 31, 2026
U.S. government agency obligations	$	356	$	2	$	5,550	$	36	$	5,906	$	38

Mortgage-backed securities	2,680		29		62,477		15,680		65,157		15,709

Corporate debt securities	1,485		15		24,759		1,441		26,244		1,456
Student loan asset-backed securities	3,932		20		10,681		148		14,613		168

Total	$	8,453	$	66	$	103,467	$	17,305	$	111,920	$	17,371
December 31, 2025
U.S. government agency obligations	$	1,275	$	4	$	5,997	$	49	$	7,272	$	53

Mortgage-backed securities	—		—		66,684		15,580		66,684		15,580

Corporate debt securities	2,075		48		25,134		1,816		27,209		1,864
Student loan asset-backed securities	4,308		13		10,783		182		15,091		195

Total	$	7,658	$	65	$	108,598	$	17,627	$	116,256	$	17,692

At March 31, 2026, 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 March 31, 2026, 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 March 31, 2026, and December 31, 2025, follows:


	March 31, 2026					December 31, 2025
		Amortized Cost		% of Total		Amortized Cost		% of Total
Commercial/Agricultural real estate:
Commercial real estate		$	696,205	51.3	%	$	681,646	50.9	%
Agricultural real estate		69,614		5.1	%	69,042		5.1	%
Multi-family real estate		241,035		17.8	%	245,491		18.3	%
Construction and land development		82,838		6.1	%	75,399		5.6	%
C&I/Agricultural operating:
Commercial and industrial		114,198		8.4	%	105,756		7.9	%
Agricultural operating		29,027		2.1	%	33,364		2.5	%
Residential mortgage:
Residential mortgage		117,249		8.6	%	121,666		9.1	%
Purchased HELOC loans		1,550		0.1	%	1,739		0.1	%
Consumer installment:
Originated indirect paper		1,903		0.1	%	2,225		0.2	%
Other consumer		4,633		0.4	%	3,997		0.3	%
Total loans receivable		$	1,358,252	100	%	$	1,340,325	100	%
Less: Allowance for credit losses		(22,966)				(22,401)
Net loans receivable		$	1,335,286			$	1,317,924

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 weaknesses 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 March 31, 2026, and December 31, 2025, 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 March 31, 2026, and gross charge-offs for the three months ended March 31, 2026:


	Amortized Cost Basis by Origination Year
	2026		2025		2024		2023		2022		Prior		Revolving		Revolving to Term		Total
Commercial/Agricultural real estate:
Commercial real estate
Risk rating 1 to 5	$	30,507	$	76,446	$	47,361	$	65,022	$	90,059	$	349,668	$	12,172	$	—	$	671,235
Risk rating 6	—		—		775		1,354		6,793		8,001		24		—		16,947
Risk rating 7	—		—		160		1,784		736		5,343		—		—		8,023


Total	$	30,507	$	76,446	$	48,296	$	68,160	$	97,588	$	363,012	$	12,196	$	—	$	696,205
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	17	$	—	$	17
Agricultural real estate
Risk rating 1 to 5	$	6,302	$	18,183	$	2,298	$	4,311	$	15,873	$	20,732	$	543	$	—	$	68,242
Risk rating 6	—		776		—		—		—		136		—		—		912
Risk rating 7	—		—		—		189		—		271		—		—		460


Total	$	6,302	$	18,959	$	2,298	$	4,500	$	15,873	$	21,139	$	543	$	—	$	69,614
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multi-family real estate
Risk rating 1 to 5	$	395	$	25,667	$	6,636	$	20,215	$	54,307	$	124,398	$	447	$	—	$	232,065
Risk rating 6	—		—		—		—		—		—		—		—		—
Risk rating 7	—		—		—		—		—		8,970		—		—		8,970


Total	$	395	$	25,667	$	6,636	$	20,215	$	54,307	$	133,368	$	447	$	—	$	241,035
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction and land development
Risk rating 1 to 5	$	2,634	$	49,284	$	8,366	$	10,787	$	8,071	$	1,318	$	176	$	—	$	80,636
Risk rating 6	—		—		—		2,145		—		—		57		—		2,202
Risk rating 7	—		—		—		—		—		—		—		—		—


Total	$	2,634	$	49,284	$	8,366	$	12,932	$	8,071	$	1,318	$	233	$	—	$	82,838
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5	$	16,314	$	13,217	$	14,089	$	5,388	$	19,009	$	14,627	$	23,453	$	—	$	106,097
Risk rating 6	399		212		209		1,240		2,932		265		350		—		5,607
Risk rating 7	—		—		853		315		511		331		484		—		2,494


Total	$	16,713	$	13,429	$	15,151	$	6,943	$	22,452	$	15,223	$	24,287	$	—	$	114,198
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	183	$	—	$	—	$	—	$	183
Agricultural operating
Risk rating 1 to 5	$	2,393	$	4,047	$	974	$	2,278	$	2,098	$	1,141	$	15,896	$	—	$	28,827
Risk rating 6	—		—		—		—		—		—		200		—		200
Risk rating 7	—		—		—		—		—		—		—		—		—


Total	$	2,393	$	4,047	$	974	$	2,278	$	2,098	$	1,141	$	16,096	$	—	$	29,027
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Continued	Amortized Cost Basis by Origination Year
	2026		2025		2024		2023		2022		Prior		Revolving		Revolving to Term		Total
Residential mortgage:
Residential mortgage
Risk rating 1 to 5	$	435	$	9,252	$	7,051	$	22,921	$	27,270	$	31,707	$	16,424	$	—	$	115,060

Risk rating 7	—		—		—		—		—		2,089		100		—		2,189


Total	$	435	$	9,252	$	7,051	$	22,921	$	27,270	$	33,796	$	16,524	$	—	$	117,249
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Purchased HELOC loans
Risk rating 1 to 5	$	—	$	—	$	—	$	—	$	—	$	—	$	1,433	$	—	$	1,433

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


Total	$	—	$	—	$	—	$	—	$	—	$	—	$	1,550	$	—	$	1,550
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5	$	—	$	—	$	—	$	—	$	—	$	1,877	$	—	$	—	$	1,877

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


Total	$	—	$	—	$	—	$	—	$	—	$	1,903	$	—	$	—	$	1,903
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Other consumer
Risk rating 1 to 5	$	1,304	$	1,176	$	688	$	552	$	252	$	236	$	424	$	—	$	4,632

Risk rating 7	—		—		1		—		—		—		—		—		1


Total	$	1,304	$	1,176	$	689	$	552	$	252	$	236	$	424	$	—	$	4,633
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	1	$	—	$	1
Total loans receivable	$	60,683	$	198,260	$	89,461	$	138,501	$	227,911	$	571,136	$	72,300	$	—	$	1,358,252
Total current period gross charge-offs	$	—	$	—	$	—	$	—	$	183	$	—	$	18	$	—	$	201

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, 2025, and gross charge-offs for the twelve months ended December 31, 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	$	74,334	$	48,318	$	70,001	$	92,337	$	180,767	$	176,626	$	10,920	$	—	$	653,303
Risk rating 6	—		775		1,513		6,836		7,053		3,459		24		—		19,660
Risk rating 7	—		164		1,516		1,059		1,952		3,992		—		—		8,683


Total	$	74,334	$	49,257	$	73,030	$	100,232	$	189,772	$	184,077	$	10,944	$	—	$	681,646
Current period gross charge-offs	$	—	$	—	$	—	$	51	$	—	$	—	$	—	$	—	$	51
Agricultural real estate
Risk rating 1 to 5	$	18,677	$	2,403	$	6,052	$	16,064	$	9,234	$	14,711	$	518	$	—	$	67,659
Risk rating 6	780		—		—		—		—		139		—		—		919
Risk rating 7	—		—		192		—		—		272		—		—		464


Total	$	19,457	$	2,403	$	6,244	$	16,064	$	9,234	$	15,122	$	518	$	—	$	69,042
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multi-family real estate
Risk rating 1 to 5	$	25,772	$	6,688	$	20,719	$	55,742	$	85,892	$	41,297	$	411	$	—	$	236,521
Risk rating 6	—		—		—		—		—		—		—		—		—
Risk rating 7	—		—		—		—		8,970		—		—		—		8,970


Total	$	25,772	$	6,688	$	20,719	$	55,742	$	94,862	$	41,297	$	411	$	—	$	245,491
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction and land development
Risk rating 1 to 5	$	44,202	$	7,722	$	12,952	$	8,949	$	255	$	1,084	$	178	$	—	$	75,342
Risk rating 6	—		—		—		—		—		—		57		—		57
Risk rating 7	—		—		—		—		—		—		—		—		—


Total	$	44,202	$	7,722	$	12,952	$	8,949	$	255	$	1,084	$	235	$	—	$	75,399
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5	$	14,210	$	15,418	$	7,815	$	18,357	$	7,781	$	8,097	$	24,870	$	—	$	96,548
Risk rating 6	219		223		1,458		3,268		487		122		899		—		6,676
Risk rating 7	—		612		274		734		360		—		552		—		2,532


Total	$	14,429	$	16,253	$	9,547	$	22,359	$	8,628	$	8,219	$	26,321	$	—	$	105,756
Current period gross charge-offs	$	—	$	—	$	36	$	23	$	—	$	—	$	35	$	—	$	94
Agricultural operating
Risk rating 1 to 5	$	4,880	$	1,056	$	2,355	$	2,155	$	279	$	898	$	21,602	$	—	$	33,225
Risk rating 6	—		—		—		—		—		—		139		—		139
Risk rating 7	—		—		—		—		—		—		—		—		—


Total	$	4,880	$	1,056	$	2,355	$	2,155	$	279	$	898	$	21,741	$	—	$	33,364
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	$	11,089	$	7,971	$	23,556	$	27,863	$	6,666	$	26,112	$	16,334	$	—	119,591

Risk rating 7	—		—		—		—		133		1,842		100		—		2,075


Total	$	11,089	$	7,971	$	23,556	$	27,863	$	6,799	$	27,954	$	16,434	$	—	$	121,666
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Purchased HELOC loans
Risk rating 1 to 5	$	—	$	—	$	—	$	—	$	—	$	—	$	1,622	$	—	$	1,622

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


Total	$	—	$	—	$	—	$	—	$	—	$	—	$	1,739	$	—	$	1,739
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5	$	—	$	—	$	—	$	—	$	—	$	2,197	$	—	$	—	$	2,197

Risk rating 7	—		—		—		—		—		28		—		—		28


Total	$	—	$	—	$	—	$	—	$	—	$	2,225	$	—	$	—	$	2,225
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	2	$	—	$	—	$	2
Other consumer
Risk rating 1 to 5	$	1,347	$	784	$	658	$	395	$	174	$	109	$	528	$	—	$	3,995

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


Total	$	1,347	$	785	$	658	$	395	$	174	$	109	$	529	$	—	$	3,997
Current period gross charge-offs	$	—	$	5	$	10	$	—	$	—	$	1	$	4	$	—	$	20
Total loans receivable	$	195,510	$	92,135	$	149,061	$	233,759	$	310,003	$	280,985	$	78,872	$	—	$	1,340,325
Total current period gross charge-offs	$	—	$	5	$	46	$	74	$	—	$	3	$	39	$	—	$	167

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 months ended March 31, 2026:


	Commercial/Agricultural Real Estate		C&I/Agricultural operating		Residential Mortgage		Consumer Installment		Total
Three months ended March 31, 2026
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period	$	17,654	$	2,358	$	2,230	$	159	$	22,401

Charge-offs	(17)		(183)		—		(1)		(201)
Recoveries	—		—		5		3		8
Additions/reversals to ACL - Loans via provision for credit losses charged to operations	614		451		(296)		(11)		758
ACL - Loans, at end of period	$	18,251	$	2,626	$	1,939	$	150	$	22,966

The following tables present the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment for the three months ended March 31, 2025 and the twelve months ended December 31, 2025:


	Commercial/Agricultural Real Estate		C&I/Agricultural operating		Residential Mortgage		Consumer Installment		Total
Three months ended March 31, 2025
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period	$	16,516	$	1,330	$	2,489	$	214	$	20,549

Charge-offs	(51)		(20)		—		(11)		(82)
Recoveries	40		45		1		3		89
(Reversals)/additions to ACL - Loans via provision for credit losses charged to operations	(261)		75		(152)		(13)		(351)
ACL - Loans, at end of period	$	16,244	$	1,430	$	2,338	$	193	$	20,205


	Commercial/Agricultural Real Estate		C&I/Agricultural operating		Residential Mortgage		Consumer Installment		Total
Twelve months ended December 31, 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)		—		(22)		(167)
Recoveries	92		51		53		29		225
(Reversals)/additions to ACL - Loans via provision for credit losses charged to operations	1,097		1,071		(312)		(62)		1,794
ACL - Loans, at end of period	$	17,654	$	2,358	$	2,230	$	159	$	22,401

Allowance for Credit Losses - Unfunded Commitments - In addition to the ACL - Loans, the Company has established an ACL - Unfunded Commitments of $482 at March 31, 2026, and $490 at December 31, 2025, classified in other liabilities on the consolidated balance sheets. The following table presents the balance and activity in the ACL - Unfunded Commitments for the three months ended March 31, 2026 and March 31, 2025.


	March 31, 2026 and Three Months Ended		March 31, 2025 and Three Months Ended
ACL - Unfunded Commitments - beginning of period	$	490	$	334

(Reversals) additions to ACL - Unfunded Commitments via provision for credit losses charged to operations	(8)		101
ACL - Unfunded Commitments - End of period	$	482	$	435

Provision for credit losses - The provision for credit losses is determined by the Company as the amount to be added (reversed) to the ACL loss accounts for various types of financial instruments (including loans and off-balance sheet credit exposures) after net charge-offs have been deducted to bring the ACL to a level that, in management’s judgement, is necessary to absorb expected credit losses over the lives of the respective financial instruments. The following table presents the components of the provision for credit losses.


	March 31, 2026 and Three Months Ended		March 31, 2025 and Three Months Ended
Provision for credit losses on:
Loans	$	758	$	(351)
Unfunded Commitments	(8)		101
Total provision for credit losses	$	750	$	(250)

An aging analysis of the Company’s commercial/agricultural real estate, C&I, agricultural operating, residential mortgage, consumer installment and purchased third party loans as of March 31, 2026, and December 31, 2025, respectively, was as follows:


(Loan balances at amortized cost)	30-59 Days Past Due		60-89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Current		Total Loans
March 31, 2026
Commercial/Agricultural real estate:
Commercial real estate	$	—	$	—	$	665	$	665	$	695,540	$	696,205
Agricultural real estate	931		—		—		931		68,683		69,614
Multi-family real estate	—		—		8,970		8,970		232,065		241,035
Construction and land development	57		—		—		57		82,781		82,838
C&I/Agricultural operating:
Commercial and industrial	978		—		742		1,720		112,478		114,198

Agricultural operating	—		—		—		—		29,027		29,027
Residential mortgage:
Residential mortgage	1,769		30		67		1,866		115,383		117,249
Purchased HELOC loans	—		—		—		—		1,550		1,550
Consumer installment:
Originated indirect paper	—		—		—		—		1,903		1,903

Other consumer	58		—		—		58		4,575		4,633
Total	$	3,793	$	30	$	10,444	$	14,267	$	1,343,985	$	1,358,252


(Loan balances at amortized cost)	30-59 Days Past Due		60-89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Current		Total Loans
December 31, 2025
Commercial/Agricultural real estate:
Commercial real estate	$	471	$	572	$	467	$	1,510	$	680,136	$	681,646
Agricultural real estate	192		—		—		192		68,850		69,042
Multi-family real estate	—		—		8,970		8,970

Citizens Community Bancorp Inc. 10-Q