NOTES TO CONSOLIDATED FINANCIAL STATEMENTS NOTE 5. LOANS, continued Special Mention (6) – Has potential weaknesses that deserve management’s close attention. If left uncorrected, ti nh setsiet u pt iootne’ ns tci rael dwi t epaoksni et isosne sa t ms oamy er ef us tuul tr ei nd adt ee .t eSrpi oe rc ai at il omn e on ft i ot hnea srseeptas yamr ee nn to tpardovs eprescet lsy fcol ar s tshi fei e da sasne dt di no nt hoet expose the institution to sufficient risk to warrant an adverse classification. Substandard (7) – Inadequately protected by the current worth and paying capacity of the obligor or the ct hoel l adteebr at .l pTl eh de gy eadr, ei f cahnayr.a cAtsesrei zt se ds obcyl at shsei f di ei ds t hi nacvte paows sei bl l i-ldi teyf i tnheadt wt heea ki nnsetsi st ut thi oa tn j ewoipl la sr ud si zt ae isnt hs eo ml i qe uliodsast iiof nt hoef di me fmi cei edni actiee sa tatreen tni oont acnodr rfeocrtme da.l r eApl soor ,t i nt hgi st ormi s aknraagtei nmge nmt aoyn aapqpulayr tteor lnyobna-saicsc. r u a l l o a n s . T h e l o a n s r e q u i re Doubtful (8) – Has all the weaknesses inherent in one classified substandard with the added characteristic that tvhael uwe se, ahkingehsl sye qs ume sa tki eo ncaobl lleec tainodn iomr pl irqoubi ad ba ltei o. n Lionafnusl l ,i no nt htihs ecba at esgi so royf cmu ur rset nbt el y pel xa icset di n go nf anc ot sn, -caocnc dr ui tai ol na sn, da na dl l pt haey mp oetnetns t (i aplr ifno cr i pl oasl sa. n Td hi en tpe rr oe sbta)bai lpi tpyl i eo df st oo mp rei nl ocsi ps ai ls reexctarpetmu reel y. hT ihgeh ,k be yu ti sbseucea tuhsaet omf ackeer st aai nl oi amnpDo or tuabnttf ualnids rme aa ds oe nt ao bcl oe nsfpi remc i fsi pc epcei fni cd icnogl l af at ec troa rl sv, atlhuee sa mo rooutnhte or fp lroostse cctai no nn so ta gy ae it nbs et ldoes tseirnmoi rndeedr. t oT hme irneifmo ri ez e, et vheer py oerftfioornt oi sf tDhoeu lbot af unl rl oa at ends mD ou us tb bt feu lo. n An lol no- ra cpcor ur tai ol ; nhso wo f e Dv eoru, ba tl fl unl orna-taecdc rluoaalnlso amn as ya rbee nroet cnoemc ems es na rdiel yd rfaotre dc hDaorug be t- fouf fl .. A l l Loss (9) – This loan is classified as a loss and is considered not collectible. It is of such little value that cnoon rt iencuoavne cr ey aosra sbaal vn akgaeb l ve aalsusee, t bi su nt ortawt haerrr ai tn ties dn. oTth pi sr calcatsi cs ai fli coart i odne sdi or aebs lne ottomdeeatne rt hwa tr ti ht ien gl o aonf f htahsi sa bbsaosliuc tael ll yy wc hoarrtghel de s- os flfoi anna ce cvoe rnd tahnocue gwh i tpha retsi taal brlei scho ev de rpyr omcaeyd ubree as .f f Te chtee dC oi mn pt haen yf udt ui dr en. o tAhma ov ue na tnsysloo adnest ecrl ams isni fei de dma us sLt obs es at December 31, 2025 and 2024. The following table presents the loan portfolio by credit quality indicator (risk grade) as of December 31, 2025 apnredse2n0t2a4ti.oTnhpousreploosaenss. with a risk grade of 0, 1, 2, 3, 4 or 5 have been combined in the pass column for December 31, 2025 Pass Special Mention Sub Standard Doubtful Total Commercial $ 182,522,920 $ 3,678,488 $ 11,508,795 $ 114,025 $ 197,824,228 Commercial Real Estate 811,974,966 15,492,672 3,466,231 152,392 831,086,261 Construction and land development 369,361,207 3,540,880 1,200,452 - 374,102,539 Agriculture 979,129,479 31,970,072 22,587,083 27,120 1,033,713,754 Residential real estate 770,075,993 5,255,971 9,093,367 - 784,425,331 Consumer 50,210,791 354,236 297,147 87,717 50,949,891 Other 174,325,091 179,045 5,577,580 - 180,081,716 Total loans $3,337,600,447 $ 60,471,364 $ 53,730,655 $ 381,254 $ 3,452,183,720 Percentage to total loans 96.68% 1.75% 1.56% 0.01% 100.00% December 31, 2024 Pass Special Mention Sub Standard Doubtful Total Commercial $ 216,756,273 $ 8,739,792 $ 3,361,770 $ 180,114 $ 229,037,949 Commercial Real Estate 858,661,536 24,860,765 3,668,651 - 887,190,952 Construction and land development 306,391,881 2,133,974 233,520 - 308,759,375 Agriculture 865,071,023 34,747,009 16,437,315 15,007 916,270,354 Residential real estate 671,619,611 4,646,468 6,552,807 - 682,818,886 Consumer 39,269,255 331,146 353,073 14,784 39,968,258 Other 158,077,898 98,587 15,381,502 - 173,557,987 Total loans $3,115,847,477 $ 75,557,741 $ 45,988,638 $ 209,905 $3,237,603,761 Percentage to total loans 96.24% 2.33% 1.42% 0.01% 100.00%
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