Note 3 - Loans and Allowance for Credit Losses on Loans (Tables)

6 Months Ended

Jun. 30, 2025

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(in thousands)		June 30, 2025				December 31, 2024

Commercial real estate - non-owner occupied		$	1,989,982			$	1,835,935
Commercial real estate - owner occupied			1,010,692				1,002,853
Total commercial real estate			3,000,674				2,838,788

Commercial and industrial - term			856,838				884,399
Commercial and industrial - lines of credit			634,305				554,255
Total commercial and industrial			1,491,143				1,438,654

Residential real estate - owner occupied			851,284				805,080
Residential real estate - non-owner occupied			390,784				382,744
Total residential real estate			1,242,068				1,187,824

Construction and land development			671,011				623,005
Home equity lines of credit			263,826				247,433
Consumer			140,715				144,644
Leases			14,563				15,514
Credits cards			26,273				24,540
Total loans (1)		$	6,850,273			$	6,520,402

Financing Receivable, Allowance for Credit Loss [Table Text Block]

(in thousands) Three Months Ended June 30, 2025		Beginning Balance				Provision for Credit Losses on Loans				Charge-offs				Recoveries				Ending Balance

Commercial real estate - non-owner occupied		$	14,616			$	654			$	-			$	8			$	15,278
Commercial real estate - owner occupied			11,839				195				(38	)			-				11,996
Total commercial real estate			26,455				849				(38	)			8				27,274

Commercial and industrial - term			21,677				(943	)			(82	)			25				20,677
Commercial and industrial - lines of credit			6,629				1,312				-				-				7,941
Total commercial and industrial			28,306				369				(82	)			25				28,618

Residential real estate - owner occupied			13,438				773				-				54				14,265
Residential real estate - non-owner occupied			4,487				103				(3	)			-				4,587
Total residential real estate			17,925				876				(3	)			54				18,852

Construction and land development			11,387				(253	)			-				-				11,134
Home equity lines of credit			1,280				63				-				-				1,343
Consumer			2,844				293				(377	)			117				2,877
Leases			341				49				-				-				390
Credit cards			276				4				(53	)			7				234
Total		$	88,814			$	2,250			$	(553	)		$	211			$	90,722

(in thousands) Six Months Ended June 30, 2025		Beginning Balance				Provision for Credit Losses on Loans				Charge-offs				Recoveries				Ending Balance

Commercial real estate - non-owner occupied		$	13,935			$	1,317			$	-			$	26			$	15,278
Commercial real estate - owner occupied			10,192				1,842				(38	)			-				11,996
Total commercial real estate			24,127				3,159				(38	)			26				27,274

Commercial and industrial - term			21,284				(1,707	)			(342	)			1,442				20,677
Commercial and industrial - lines of credit			6,496				1,445				-				-				7,941
Total commercial and industrial			27,780				(262	)			(342	)			1,442				28,618

Residential real estate - owner occupied			14,468				(210	)			(50	)			57				14,265
Residential real estate - non-owner occupied			5,154				(564	)			(3	)			-				4,587
Total residential real estate			19,622				(774	)			(53	)			57				18,852

Construction and land development			10,981				153				-				-				11,134
Home equity lines of credit			1,277				76				(10	)			-				1,343
Consumer			2,531				696				(580	)			230				2,877
Leases			370				20				-				-				390
Credit cards			255				82				(144	)			41				234
Total		$	86,943			$	3,150			$	(1,167	)		$	1,796			$	90,722

(in thousands) Three Months Ended June 30, 2024		Beginning Balance				Provision for Credit Losses on Loans				Charge-offs				Recoveries				Ending Balance

Commercial real estate - non-owner occupied		$	21,823			$	(8,808	)		$	-			$	17			$	13,032
Commercial real estate - owner occupied			11,230				(1,556	)			-				45				9,719
Total commercial real estate			33,053				(10,364	)			-				62				22,751

Commercial and industrial - term			13,916				7,478				(67	)			302				21,629
Commercial and industrial - lines of credit			6,258				(433	)			-				-				5,825
Total commercial and industrial			20,174				7,045				(67	)			302				27,454

Residential real estate - owner occupied			11,826				1,501				(7	)			5				13,325
Residential real estate - non-owner occupied			4,731				(483	)			-				-				4,248
Total residential real estate			16,557				1,018				(7	)			5				17,573

Construction and land development			7,459				2,570				-				-				10,029
Home equity lines of credit			1,666				(519	)			-				-				1,147
Consumer			1,500				1,108				(203	)			147				2,552
Leases			232				179				-				-				411
Credit cards			256				38				(70	)			14				238
Total		$	80,897			$	1,075			$	(347	)		$	530			$	82,155

(in thousands) Six Months Ended June 30, 2024		Beginning Balance				Provision for Credit Losses on Loans				Charge-offs				Recoveries				Ending Balance

Commercial real estate - non-owner occupied		$	22,133			$	(9,134	)		$	-			$	33			$	13,032
Commercial real estate - owner occupied			11,667				(1,997	)			-				49				9,719
Total commercial real estate			33,800				(11,131	)			-				82				22,751

Commercial and industrial - term			14,359				6,805				(90	)			555				21,629
Commercial and industrial - lines of credit			6,495				(874	)			-				204				5,825
Total commercial and industrial			20,854				5,931				(90	)			759				27,454

Residential real estate - owner occupied			9,316				4,010				(21	)			20				13,325
Residential real estate - non-owner occupied			4,282				(34	)			-				-				4,248
Total residential real estate			13,598				3,976				(21	)			20				17,573

Construction and land development			7,593				2,436				-				-				10,029
Home equity lines of credit			1,660				(515	)			-				2				1,147
Consumer			1,407				1,300				(413	)			258				2,552
Leases			220				191				-				-				411
Credit cards			242				62				(85	)			19				238
Total		$	79,374			$	2,250			$	(609	)		$	1,140			$	82,155

(in thousands) June 30, 2025		Real Estate				Accounts Receivable / Equipment				Other				Total				ACL Allocation

Commercial real estate - non-owner occupied		$	10,611			$	-			$	-			$	10,611			$	1,760
Commercial real estate - owner occupied			4,963				-				-				4,963				844
Total commercial real estate			15,574				-				-				15,574				2,604

Commercial and industrial - term			869				366				76				1,311				715
Commercial and industrial - lines of credit			320				200				451				971				582
Total commercial and industrial			1,189				566				527				2,282				1,297

Residential real estate - owner occupied			5,257				-				-				5,257				1,268
Residential real estate - non-owner occupied			2,028				-				-				2,028				753
Total residential real estate			7,285				-				-				7,285				2,021

Construction and land development			1,361				-				-				1,361				-
Home equity lines of credit			-				-				-				-				-
Consumer			-				-				355				355				26
Leases			-				-				-				-				-
Credit cards			-				-				-				-				-
Total collateral dependent loans		$	25,409			$	566			$	882			$	26,857			$	5,948

(in thousands) December 31, 2024		Real Estate				Accounts Receivable / Equipment				Other				Total				ACL Allocation

Commercial real estate - non-owner occupied		$	11,699			$	-			$	-			$	11,699			$	1,075
Commercial real estate - owner occupied			3,547				-				-				3,547				764
Total commercial real estate			15,246				-				-				15,246				1,839

Commercial and industrial - term			740				4,062				76				4,878				516
Commercial and industrial - lines of credit			349				200				-				549				139
Total commercial and industrial			1,089				4,262				76				5,427				655

Residential real estate - owner occupied			6,514				-				-				6,514				448
Residential real estate - non-owner occupied			2,974				-				-				2,974				852
Total residential real estate			9,488				-				-				9,488				1,300

Construction and land development			311				-				-				311				20
Home equity lines of credit			70				-				-				70				-
Consumer			-				-				356				356				34
Leases			-				-				-				-				-
Credit cards			-				-				-				-				-
Total collateral dependent loans		$	26,204			$	4,262			$	432			$	30,898			$	3,848

Financing Receivable, Nonaccrual [Table Text Block]

		Non-accrual Loans								Past Due 90-Days-
(in thousands)		With No				Total				or-More and Still
June 30, 2025		Recorded ACL				Non-accrual				Accruing Interest

Commercial real estate - non-owner occupied		$	—			$	4,104			$	162
Commercial real estate - owner occupied			434				2,702				—
Total commercial real estate			434				6,806				162

Commercial and industrial - term			302				1,133				3
Commercial and industrial - lines of credit			—				450				20
Total commercial and industrial			302				1,583				23

Residential real estate - owner occupied			252				5,848				—
Residential real estate - non-owner occupied			—				1,548				193
Total residential real estate			252				7,396				193

Construction and land development			1,361				1,361				—
Home equity lines of credit			—				—				—
Consumer			—				374				—
Leases			—				—				—
Credit cards			—				130				—
Total		$	2,349			$	17,650			$	378

		Non-accrual Loans								Past Due 90-Days-
(in thousands)		With No				Total				or-More and Still
December 31, 2024		Recorded ACL				Non-accrual				Accruing Interest

Commercial real estate - non-owner occupied		$	4,409			$	5,221			$	—
Commercial real estate - owner occupied			434				1,231				73
Total commercial real estate			4,843				6,452				73

Commercial and industrial - term			3,828				4,903				95
Commercial and industrial - lines of credit			—				—				19
Total commercial and industrial			3,828				4,903				114

Residential real estate - owner occupied			371				7,168				—
Residential real estate - non-owner occupied			—				2,451				39
Total residential real estate			371				9,619				39

Construction and land development			—				311				—
Home equity lines of credit			—				70				91
Consumer			—				372				—
Leases			—				—				—
Credit cards			—				—				170
Total		$	9,042			$	21,727			$	487

Financing Receivable, Past Due [Table Text Block]

(in thousands)						30-59 days				60-89 days				90 or more				Total Past				Total
June 30, 2025		Current				Past Due				Past Due				days Past Due				Due Loans				Loans

Commercial real estate - non-owner occupied		$	1,981,314			$	1,274			$	3,128			$	4,266			$	8,668			$	1,989,982
Commercial real estate - owner occupied			1,008,000				490				222				1,980				2,692				1,010,692
Total commercial real estate			2,989,314				1,764				3,350				6,246				11,360				3,000,674

Commercial and industrial - term			854,886				297				518				1,137				1,952				856,838
Commercial and industrial - lines of credit			633,849				436				—				20				456				634,305
Total commercial and industrial			1,488,735				733				518				1,157				2,408				1,491,143

Residential real estate - owner occupied			834,138				8,780				3,847				4,519				17,146				851,284
Residential real estate - non-owner occupied			388,400				472				208				1,704				2,384				390,784
Total residential real estate			1,222,538				9,252				4,055				6,223				19,530				1,242,068

Construction and land development			669,650				—				—				1,361				1,361				671,011
Home equity lines of credit			262,962				286				578				—				864				263,826
Consumer			139,732				456				156				371				983				140,715
Leases			14,563				—				—				—				—				14,563
Credit cards			25,919				183				41				130				354				26,273
Total		$	6,813,413			$	12,674			$	8,698			$	15,488			$	36,860			$	6,850,273

(in thousands)						30-59 days				60-89 days				90 or more				Total Past				Total
December 31, 2024		Current				Past Due				Past Due				days Past Due				Due Loans				Loans

Commercial real estate - non-owner occupied		$	1,831,135			$	168			$	4,410			$	222			$	4,800			$	1,835,935
Commercial real estate - owner occupied			1,001,351				648				715				139				1,502				1,002,853
Total commercial real estate			2,832,486				816				5,125				361				6,302				2,838,788

Commercial and industrial - term			879,597				103				2,740				1,959				4,802				884,399
Commercial and industrial - lines of credit			552,655				59				1,522				19				1,600				554,255
Total commercial and industrial			1,432,252				162				4,262				1,978				6,402				1,438,654

Residential real estate - owner occupied			789,286				7,737				3,176				4,881				15,794				805,080
Residential real estate - non-owner occupied			381,177				628				56				883				1,567				382,744
Total residential real estate			1,170,463				8,365				3,232				5,764				17,361				1,187,824

Construction and land development			622,614				391				—				—				391				623,005
Home equity lines of credit			246,700				424				194				115				733				247,433
Consumer			143,796				470				69				309				848				144,644
Leases			15,514				—				—				—				—				15,514
Credit cards			24,122				220				27				171				418				24,540
Total		$	6,487,947			$	10,848			$	12,909			$	8,698			$	32,455			$	6,520,402

Financing Receivable Credit Quality Indicators [Table Text Block]

																										Revolving
																										loans
(in thousands)		Term Loans Amortized Cost Basis by Origination Year																								amortized
June 30, 2025		2025				2024				2023				2022				2021				Prior				cost basis				Total

Commercial real estate - non-owner occupied:
Risk rating
Pass		$	331,158			$	365,753			$	296,719			$	348,590			$	275,647			$	290,424			$	27,561			$	1,935,852
OAEM			4,974				2,285				11,782				2,442				10,548				14,608				-				46,639
Substandard			1,534				1,538				-				-				-				217				98				3,387
Substandard non-performing			-				263				-				-				-				3,841				-				4,104
Doubtful			-				-				-				-				-				-				-				-
Total Commercial real estate non-owner occupied		$	337,666			$	369,839			$	308,501			$	351,032			$	286,195			$	309,090			$	27,659			$	1,989,982
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Commercial real estate - owner occupied:
Risk rating
Pass		$	95,290			$	109,674			$	174,139			$	157,815			$	168,261			$	253,893			$	16,417			$	975,489
OAEM			35				5,821				188				1,439				1,816				3,290				-				12,589
Substandard			1,100				6,057				5,636				3,400				3,507				212				-				19,912
Substandard non-performing			-				674				1,206				100				722				-				-				2,702
Doubtful			-				-				-				-				-				-				-				-
Total Commercial real estate owner occupied		$	96,425			$	122,226			$	181,169			$	162,754			$	174,306			$	257,395			$	16,417			$	1,010,692
Current period gross charge offs		$	-			$	-			$	-			$	(38	)		$	-			$	-			$	-			$	(38	)

Commercial and industrial - term:
Risk rating
Pass		$	136,019			$	231,284			$	151,842			$	164,766			$	103,246			$	52,988			$	-			$	840,145
OAEM			958				8,041				135				1,187				8				13				-				10,342
Substandard			498				-				133				1,216				3,292				79				-				5,218
Substandard non-performing			3				292				332				12				-				494				-				1,133
Doubtful			-				-				-				-				-				-				-				-
Total Commercial and industrial - term		$	137,478			$	239,617			$	152,442			$	167,181			$	106,546			$	53,574			$	-			$	856,838
Current period gross charge offs		$	-			$	(52	)		$	(240	)		$	(46	)		$	(4	)		$	-			$	-			$	(342	)

Commercial and industrial - lines of credit
Risk rating
Pass		$	55,484			$	122,868			$	8,088			$	1,782			$	2,206			$	2,464			$	406,438			$	599,330
OAEM			-				2,364				-				-				-				-				8,787				11,151
Substandard			-				-				-				-				-				-				23,373				23,373
Substandard non-performing			451				-				-				-				-				-				-				451
Doubtful			-				-				-				-				-				-				-				-
Total Commercial and industrial - lines of credit		$	55,935			$	125,232			$	8,088			$	1,782			$	2,206			$	2,464			$	438,598			$	634,305
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

																										Revolving
																										loans
(in thousands)		Term Loans Amortized Cost Basis by Origination Year																								amortized
June 30, 2025		2025				2024				2023				2022				2021				Prior				cost basis				Total

Residential real estate - owner occupied
Risk rating
Pass		$	89,613			$	154,664			$	147,131			$	160,090			$	150,155			$	143,209			$	-			$	844,862
OAEM			154				-				-				-				80				-				-				234
Substandard			-				-				-				11				-				328				-				339
Substandard non-performing			248				754				2,936				1,201				171				539				-				5,849
Doubtful			-				-				-				-				-				-				-				-
Total Residential real estate - owner occupied		$	90,015			$	155,418			$	150,067			$	161,302			$	150,406			$	144,076			$	-			$	851,284
Current period gross charge offs		$	-			$	-			$	(45	)		$	-			$	-			$	(5	)		$	-			$	(50	)

Residential real estate - non-owner occupied
Risk rating
Pass		$	45,967			$	70,847			$	61,169			$	67,682			$	65,828			$	77,150			$	-			$	388,643
OAEM			-				-				-				-				-				483				-				483
Substandard			-				-				-				-				-				110				-				110
Substandard non-performing			-				150				1,130				159				-				109				-				1,548
Doubtful			-				-				-				-				-				-				-				-
Total Residential real estate - non-owner occupied		$	45,967			$	70,997			$	62,299			$	67,841			$	65,828			$	77,852			$	-			$	390,784
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	(3	)		$	-			$	(3	)

Construction and land development
Risk rating
Pass		$	81,345			$	282,901			$	224,887			$	55,027			$	6,765			$	3,267			$	10,783			$	664,975
OAEM			-				3,681				-				-				-				-				-				3,681
Substandard			-				-				-				-				-				-				999				999
Substandard non-performing			-				-				1,356				-				-				-				-				1,356
Doubtful			-				-				-				-				-				-				-				-
Total Construction and land development		$	81,345			$	286,582			$	226,243			$	55,027			$	6,765			$	3,267			$	11,782			$	671,011
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Home equity lines of credit
Risk rating
Pass		$	-			$	-			$	-			$	-			$	-			$	-			$	263,037			$	263,037
OAEM			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				789				789
Substandard non-performing			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total Home equity lines of credit		$	-			$	-			$	-			$	-			$	-			$	-			$	263,826			$	263,826
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	(10	)		$	(10	)

Consumer
Risk rating
Pass		$	12,326			$	17,642			$	15,006			$	10,419			$	4,939			$	1,164			$	78,846			$	140,342
OAEM			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Substandard non-performing			-				151				160				20				22				20				-				373
Doubtful			-				-				-				-				-				-				-				-
Total Consumer		$	12,326			$	17,793			$	15,166			$	10,439			$	4,961			$	1,184			$	78,846			$	140,715
Current period gross charge offs		$	(469	)		$	(30	)		$	(57	)		$	(2	)		$	-			$	(22	)		$	-			$	(580	)

																										Revolving
																										loans
(in thousands)		Term Loans Amortized Cost Basis by Origination Year																								amortized
June 30, 2025		2025				2024				2023				2022				2021				Prior				cost basis				Total

Leases
Risk rating
Pass		$	2,250			$	4,439			$	4,541			$	1,340			$	1,151			$	320			$	-			$	14,041
OAEM			-				-				-				-				-				-				-				-
Substandard			-				17				-				477				-				28				-				522
Substandard non-performing			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total Leases		$	2,250			$	4,456			$	4,541			$	1,817			$	1,151			$	348			$	-			$	14,563
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Credit cards
Risk rating
Pass		$	-			$	-			$	-			$	-			$	-			$	-			$	26,143			$	26,143
OAEM			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Substandard non-performing			-				-				-				-				-				-				130				130
Doubtful			-				-				-				-				-				-				-				-
Total Credit cards		$	-			$	-			$	-			$	-			$	-			$	-			$	26,273			$	26,273
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	(144	)		$	(144	)

Total loans
Risk rating
Pass		$	849,452			$	1,360,072			$	1,083,522			$	967,511			$	778,198			$	824,879			$	829,226			$	6,692,860
OAEM			6,121				22,192				12,105				5,068				12,452				18,394				8,787				85,119
Substandard			3,132				7,612				5,764				5,104				6,799				974				25,259				54,644
Substandard non-performing			702				2,282				7,125				1,492				916				5,003				130				17,650
Doubtful			-				-				-				-				-				-				-				-
Total Loans		$	859,407			$	1,392,158			$	1,108,516			$	979,175			$	798,365			$	849,250			$	863,402			$	6,850,273
Current period gross charge offs		$	(469	)		$	(82	)		$	(342	)		$	(86	)		$	(4	)		$	(30	)		$	(154	)		$	(1,167	)

																										Revolving
																										loans
(in thousands)		Term Loans Amortized Cost Basis by Origination Year																								amortized
December 31, 2024		2024				2023				2022				2021				2020				Prior				cost basis				Total

Commercial real estate - non-owner occupied:
Risk rating
Pass		$	416,310			$	293,890			$	402,081			$	291,741			$	199,039			$	157,303			$	28,584			$	1,788,948
OAEM			10,480				1,533				-				10,709				1,664				13,191				-				37,577
Substandard			1,546				-				2,320				-				-				225				98				4,189
Substandard non-performing			269				-				-				-				-				4,952				-				5,221
Doubtful			-				-				-				-				-				-				-				-
Total Commercial real estate non-owner occupied		$	428,605			$	295,423			$	404,401			$	302,450			$	200,703			$	175,671			$	28,682			$	1,835,935
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Commercial real estate - owner occupied:
Risk rating
Pass		$	133,404			$	163,452			$	172,933			$	174,638			$	156,955			$	139,919			$	22,012			$	963,313
OAEM			6,292				273				1,145				1,856				715				3,385				-				13,666
Substandard			7,192				9,923				3,656				3,643				-				229				-				24,643
Substandard non-performing			434				-				-				731				66				-				-				1,231
Doubtful			-				-				-				-				-				-				-				-
Total Commercial real estate owner occupied		$	147,322			$	173,648			$	177,734			$	180,868			$	157,736			$	143,533			$	22,012			$	1,002,853
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Commercial and industrial - term:
Risk rating
Pass		$	312,854			$	173,383			$	198,754			$	120,056			$	34,013			$	30,903			$	-			$	869,963
OAEM			2,679				1,813				833				104				28				-				-				5,457
Substandard			496				311				-				3,036				10				223				-				4,076
Substandard non-performing			3,822				349				343				-				302				87				-				4,903
Doubtful			-				-				-				-				-				-				-				-
Total Commercial and industrial - term		$	319,851			$	175,856			$	199,930			$	123,196			$	34,353			$	31,213			$	-			$	884,399
Current period gross charge offs		$	(414	)		$	(250	)		$	(6	)		$	(78	)		$	-			$	-			$	-			$	(748	)

Commercial and industrial - lines of credit
Risk rating
Pass		$	119,206			$	11,181			$	3,967			$	2,553			$	295			$	2,654			$	372,866			$	512,722
OAEM			7,448				-				-				-				-				-				10,750				18,198
Substandard			-				-				-				-				-				-				23,335				23,335
Substandard non-performing			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total Commercial and industrial - lines of credit		$	126,654			$	11,181			$	3,967			$	2,553			$	295			$	2,654			$	406,951			$	554,255
Current period gross charge offs		$	-			$	-			$	(555	)		$	-			$	-			$	-			$	-			$	(555	)

																										Revolving
																										loans
(in thousands)		Term Loans Amortized Cost Basis by Origination Year																								amortized
December 31, 2024		2024				2023				2022				2021				2020				Prior				cost basis				Total

Residential real estate - owner occupied
Risk rating
Pass		$	161,257			$	154,799			$	166,127			$	159,449			$	77,516			$	78,169			$	-			$	797,317
OAEM			158				-				-				83				-				-				-				241
Substandard			-				-				12				-				-				342				-				354
Substandard non-performing			1,028				3,737				1,400				320				9				674				-				7,168
Doubtful			-				-				-				-				-				-				-				-
Total Residential real estate - owner occupied		$	162,443			$	158,536			$	167,539			$	159,852			$	77,525			$	79,185			$	-			$	805,080
Current period gross charge offs		$	-			$	(349	)		$	-			$	-			$	-			$	(7	)		$	-			$	(356	)

Residential real estate - non-owner occupied
Risk rating
Pass		$	80,717			$	66,330			$	72,580			$	70,585			$	41,874			$	47,578			$	-			$	379,664
OAEM			-				-				-				-				-				514				-				514
Substandard			-				-				-				-				-				115				-				115
Substandard non-performing			739				1,332				214				17				-				149				-				2,451
Doubtful			-				-				-				-				-				-				-				-
Total Residential real estate - non-owner occupied		$	81,456			$	67,662			$	72,794			$	70,602			$	41,874			$	48,356			$	-			$	382,744
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Construction and land development
Risk rating
Pass		$	237,785			$	234,782			$	115,429			$	8,381			$	1,273			$	3,569			$	15,420			$	616,639
OAEM			3,680				1,376				-				-				-				-				-				5,056
Substandard			-				-				-				-				-				-				999				999
Substandard non-performing			311				-				-				-				-				-				-				311
Doubtful			-				-				-				-				-				-				-				-
Total Construction and land development		$	241,776			$	236,158			$	115,429			$	8,381			$	1,273			$	3,569			$	16,419			$	623,005
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Home equity lines of credit
Risk rating
Pass		$	-			$	-			$	-			$	-			$	-			$	-			$	246,336			$	246,336
OAEM			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				1,027				1,027
Substandard non-performing			-				-				-				-				-				-				70				70
Doubtful			-				-				-				-				-				-				-				-
Total Home equity lines of credit		$	-			$	-			$	-			$	-			$	-			$	-			$	247,433			$	247,433
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	(107	)		$	(107	)

Consumer
Risk rating
Pass		$	22,895			$	18,200			$	12,822			$	6,294			$	1,095			$	1,023			$	81,943			$	144,272
OAEM			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Substandard non-performing			135				113				66				13				17				28				-				372
Doubtful			-				-				-				-				-				-				-				-
Total Consumer		$	23,030			$	18,313			$	12,888			$	6,307			$	1,112			$	1,051			$	81,943			$	144,644
Current period gross charge offs		$	(640	)		$	(19	)		$	(12	)		$	(41	)		$	(9	)		$	(45	)		$	(19	)		$	(785	)

																										Revolving
																										loans
(in thousands)		Term Loans Amortized Cost Basis by Origination Year																								amortized
December 31, 2024		2024				2023				2022				2021				2020				Prior				cost basis				Total

Leases
Risk rating
Pass		$	4,935			$	5,439			$	1,864			$	1,462			$	597			$	3			$	-			$	14,300
OAEM			-				-				-				-				-				-				-				-
Substandard			31				-				586				536				61				-				-				1,214
Substandard non-performing			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total Leases		$	4,966			$	5,439			$	2,450			$	1,998			$	658			$	3			$	-			$	15,514
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Credit cards
Risk rating
Pass		$	-			$	-			$	-			$	-			$	-			$	-			$	24,540			$	24,540
OAEM			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Substandard non-performing			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total Credit cards		$	-			$	-			$	-			$	-			$	-			$	-			$	24,540			$	24,540
Current period gross charge offs		$	-			$	-			$	-			$	-			$	-			$	-			$	(225	)		$	(225	)

Total loans
Risk rating
Pass		$	1,489,363			$	1,121,456			$	1,146,557			$	835,159			$	512,657			$	461,121			$	791,701			$	6,358,014
OAEM			30,737				4,995				1,978				12,752				2,407				17,090				10,750				80,709
Substandard			9,265				10,234				6,574				7,215				71				1,134				25,459				59,952
Substandard non-performing			6,738				5,531				2,023				1,081				394				5,890				70				21,727
Doubtful			-				-				-				-				-				-				-				-
Total Loans		$	1,536,103			$	1,142,216			$	1,157,132			$	856,207			$	515,529			$	485,235			$	827,980			$	6,520,402
Current period gross charge offs		$	(1,054	)		$	(618	)		$	(573	)		$	(119	)		$	(9	)		$	(52	)		$	(351	)		$	(2,776	)

Financinng Receivable, Schedule of Payment Activity [Table Text Block]

		June 30,				December 31,
(in thousands)		2025				2024

Credit cards
Performing		$	26,143			$	24,370
Non-performing			130				170
Total credit cards		$	26,273			$	24,540