v3.25.2
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Credit Exposure in Company Loan Portfolio (Details) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 $ 207,790   $ 284,088
Credit Exposure 2024 268,459   211,089
Credit Exposure 2023 170,442   647,834
Credit Exposure 2022 591,860   360,460
Credit Exposure 2021 333,234   139,498
Credit Exposure Prior 456,065   360,070
Revolving Loans Amortized Cost 113,591   128,098
Total 2,141,441   2,131,137
Credit Exposure 2025.Charge - offs (112)   (252)
Credit Exposure 2024.Charge - offs (3)   (51)
Credit Exposure 2023.Charge - offs (106)   (139)
Credit Exposure 2022.Charge - offs (91)   (38)
Credit Exposure 2021.Charge - offs (27)   (249)
Credit Exposure Prior.Charge - offs (137)   (15)
Credit Exposure Revolving Loans Amortized Cost.Charge - offs     (234)
Total (476) $ (425) (978)
Credit Exposure 2025, Recoveries 23   52
Credit Exposure 2024, Recoveries     15
Credit Exposure 2023, Recoveries 15    
Credit Exposure 2022, Recoveries 28   14
Credit Exposure 2021, Recoveries     220
Credit Exposure Prior, Recoveries 6   196
Credit Exposure Revolving Loans Amortized Cost, Recoveries     51
Total 72 237 548
Credit Exposure 2025,Current period net (89)   (200)
Credit Exposure 2024,Current period net (3)   (36)
Credit Exposure 2023,Current period net (91)   (139)
Credit Exposure 2022,Current period net (63)   (24)
Credit Exposure 2021,Current period net (27)   (29)
Credit Exposure Prior,Current period net (131)   181
Credit Exposure Revolving Loans Amortized Cost,Current period net     (183)
Total (404)   (430)
Pass      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 207,780   283,954
Credit Exposure 2024 268,333   208,801
Credit Exposure 2023 168,172   630,012
Credit Exposure 2022 554,986   350,906
Credit Exposure 2021 323,939   138,808
Credit Exposure Prior 448,580   354,720
Revolving Loans Amortized Cost 113,393   127,897
Total 2,085,183   2,095,098
Special Mention      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 4   69
Credit Exposure 2024 32   1,691
Credit Exposure 2023 26   17,138
Credit Exposure 2022 31,709   9,434
Credit Exposure 2021 9,250    
Credit Exposure Prior 2,683   1,547
Revolving Loans Amortized Cost 35   36
Total 43,739   29,915
Substandard      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025     36
Credit Exposure 2024 33   137
Credit Exposure 2023     167
Credit Exposure 2022 638   86
Credit Exposure 2021 42   235
Credit Exposure Prior 1,487   1,724
Revolving Loans Amortized Cost 10   10
Total 2,210   2,395
Nonaccrual      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 6   29
Credit Exposure 2024 61   460
Credit Exposure 2023 2,244   517
Credit Exposure 2022 4,527   34
Credit Exposure 2021 3   455
Credit Exposure Prior 3,315   2,079
Revolving Loans Amortized Cost 153   155
Total 10,309   3,729
Commercial and industrial      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 13,795   40,308
Credit Exposure 2024 30,710   28,496
Credit Exposure 2023 21,540   50,642
Credit Exposure 2022 41,362   28,940
Credit Exposure 2021 24,829   9,973
Credit Exposure Prior 23,104   16,191
Revolving Loans Amortized Cost 55,164   80,152
Total 210,504   254,702
Credit Exposure 2024.Charge - offs     (7)
Credit Exposure 2023.Charge - offs (25)   (96)
Credit Exposure 2022.Charge - offs (91)   (38)
Credit Exposure 2021.Charge - offs (27)   (249)
Credit Exposure Prior.Charge - offs (128)   (6)
Credit Exposure Revolving Loans Amortized Cost.Charge - offs     (234)
Total (271) (230) (630)
Credit Exposure 2024, Recoveries     15
Credit Exposure 2022, Recoveries 24    
Credit Exposure 2021, Recoveries     217
Credit Exposure Prior, Recoveries 1   176
Total 25 174 408
Credit Exposure 2024,Current period net     8
Credit Exposure 2023,Current period net (25)   (96)
Credit Exposure 2022,Current period net (67)   (38)
Credit Exposure 2021,Current period net (27)   (32)
Credit Exposure Prior,Current period net (127)   170
Credit Exposure Revolving Loans Amortized Cost,Current period net     (234)
Total (246)   (222)
Commercial and industrial | Pass      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 13,795   40,229
Credit Exposure 2024 30,643   28,317
Credit Exposure 2023 21,505   50,065
Credit Exposure 2022 40,524   28,856
Credit Exposure 2021 24,791   9,837
Credit Exposure Prior 22,660   15,639
Revolving Loans Amortized Cost 55,112   80,106
Total 209,030   253,049
Commercial and industrial | Special Mention      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025     26
Credit Exposure 2024 21    
Credit Exposure 2022     57
Credit Exposure 2021 38    
Credit Exposure Prior 361   453
Revolving Loans Amortized Cost 35   36
Total 455   572
Commercial and industrial | Substandard      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025     36
Credit Exposure 2024 33   137
Credit Exposure 2023     167
Credit Exposure 2022 638    
Credit Exposure 2021     136
Credit Exposure Prior 75   59
Revolving Loans Amortized Cost 10   10
Total 756   545
Commercial and industrial | Nonaccrual      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025     17
Credit Exposure 2024 13   42
Credit Exposure 2023 35   410
Credit Exposure 2022 200   27
Credit Exposure Prior 8   40
Revolving Loans Amortized Cost 7    
Total 263   536
Construction and development      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 48,951   80,512
Credit Exposure 2024 82,198   34,301
Credit Exposure 2023 21,152   44,108
Credit Exposure 2022 33,432   35,409
Credit Exposure 2021 32,993   6,222
Credit Exposure Prior 29,248   16,857
Revolving Loans Amortized Cost 1,198   1,208
Total 249,172   218,617
Total 0 0 0
Total 0 0 0
Construction and development | Pass      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 48,951   80,512
Credit Exposure 2024 82,198   34,301
Credit Exposure 2023 21,152   40,399
Credit Exposure 2022 29,742   35,409
Credit Exposure 2021 32,993   6,222
Credit Exposure Prior 29,248   16,857
Revolving Loans Amortized Cost 1,198   1,208
Total 245,482   214,908
Construction and development | Special Mention      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2023     3,709
Total     3,709
Construction and development | Nonaccrual      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2022 3,690    
Total 3,690    
Commercial real estate      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 55,156   58,453
Credit Exposure 2024 65,397   48,300
Credit Exposure 2023 43,546   341,517
Credit Exposure 2022 323,851   129,591
Credit Exposure 2021 125,143   76,893
Credit Exposure Prior 243,898   200,009
Revolving Loans Amortized Cost 19,121   11,921
Total 876,112   866,684
Total 0 0 0
Total 0 0 0
Commercial real estate | Pass      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 55,156   58,453
Credit Exposure 2024 65,397   48,300
Credit Exposure 2023 43,546   328,088
Credit Exposure 2022 292,157   120,214
Credit Exposure 2021 115,934   76,684
Credit Exposure Prior 241,843   198,433
Revolving Loans Amortized Cost 19,121   11,921
Total 833,154   842,093
Commercial real estate | Special Mention      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2023     13,429
Credit Exposure 2022 31,694   9,377
Credit Exposure 2021 9,209    
Credit Exposure Prior 555    
Total 41,458   22,806
Commercial real estate | Substandard      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure Prior 1,284   1,558
Total 1,284   1,558
Commercial real estate | Nonaccrual      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2021     209
Credit Exposure Prior 216   18
Total 216   227
Farmland      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 7,100   12,779
Credit Exposure 2024 6,457   23,138
Credit Exposure 2023 15,020   39,694
Credit Exposure 2022 31,337   42,194
Credit Exposure 2021 36,342   7,456
Credit Exposure Prior 21,942   17,190
Revolving Loans Amortized Cost 3,917   4,740
Total 122,115   147,191
Total 0 0 0
Total 0 0 0
Farmland | Pass      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 7,100   12,779
Credit Exposure 2024 6,457   21,451
Credit Exposure 2023 13,333   39,694
Credit Exposure 2022 31,337   42,108
Credit Exposure 2021 36,300   7,357
Credit Exposure Prior 19,564   16,747
Revolving Loans Amortized Cost 3,917   4,740
Total 118,008   144,876
Farmland | Special Mention      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 0    
Credit Exposure 2024     1,687
Credit Exposure Prior 1,767    
Total 1,767   1,687
Farmland | Substandard      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2022     86
Credit Exposure 2021 42   99
Credit Exposure Prior 117   22
Total 159   207
Farmland | Nonaccrual      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2023 1,687    
Credit Exposure Prior 494   421
Total 2,181   421
1-4 family residential      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 41,657   66,837
Credit Exposure 2024 66,995   61,587
Credit Exposure 2023 58,093   133,197
Credit Exposure 2022 126,351   106,297
Credit Exposure 2021 97,192   36,053
Credit Exposure Prior 130,770   104,323
Revolving Loans Amortized Cost 23,647   20,712
Total 544,705   529,006
Credit Exposure Prior.Charge - offs (2)    
Total (2) 0 0
Total 0 0 0
Credit Exposure Prior,Current period net (2)    
Total (2)    
1-4 family residential | Pass      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 41,657   66,808
Credit Exposure 2024 66,969   61,249
Credit Exposure 2023 57,730   133,197
Credit Exposure 2022 125,855   106,297
Credit Exposure 2021 97,192   35,825
Credit Exposure Prior 128,233   101,662
Revolving Loans Amortized Cost 23,501   20,557
Total 541,137   525,595
1-4 family residential | Special Mention      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025     29
Credit Exposure Prior     1,094
Total     1,123
1-4 family residential | Nonaccrual      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 0    
Credit Exposure 2024 26   338
Credit Exposure 2023 363    
Credit Exposure 2022 496    
Credit Exposure 2021     228
Credit Exposure Prior 2,537   1,567
Revolving Loans Amortized Cost 146   155
Total 3,568   2,288
Multi-family residential      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 26,399   1,010
Credit Exposure 2024 999   1,759
Credit Exposure 2023 1,740   30,389
Credit Exposure 2022 30,156   14,340
Credit Exposure 2021 14,022   1,324
Credit Exposure Prior 3,751   2,665
Revolving Loans Amortized Cost 67   51
Total 77,134   51,538
Total 0 0 0
Total 0 0 0
Multi-family residential | Pass      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 26,399   1,010
Credit Exposure 2024 999   1,759
Credit Exposure 2023 1,740   30,389
Credit Exposure 2022 30,156   14,340
Credit Exposure 2021 14,022   1,324
Credit Exposure Prior 3,751   2,665
Revolving Loans Amortized Cost 67   51
Total 77,134   51,538
Consumer and Overdrafts      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 12,821   21,545
Credit Exposure 2024 13,832   12,515
Credit Exposure 2023 8,553   7,041
Credit Exposure 2022 4,484   3,016
Credit Exposure 2021 2,135   1,210
Credit Exposure Prior 2,499   2,136
Revolving Loans Amortized Cost 3,884   4,210
Total 48,208   51,673
Credit Exposure 2025.Charge - offs (112)   (252)
Credit Exposure 2024.Charge - offs (3)   (44)
Credit Exposure 2023.Charge - offs (81)   (43)
Credit Exposure Prior.Charge - offs (7)   (9)
Total (203)   (348)
Credit Exposure 2025, Recoveries 23   52
Credit Exposure 2023, Recoveries 15    
Credit Exposure 2022, Recoveries 4   14
Credit Exposure 2021, Recoveries     3
Credit Exposure Prior, Recoveries 5   17
Credit Exposure Revolving Loans Amortized Cost, Recoveries     51
Total 47   137
Credit Exposure 2025,Current period net (89)   (200)
Credit Exposure 2024,Current period net (3)   (44)
Credit Exposure 2023,Current period net (66)   (43)
Credit Exposure 2022,Current period net 4   14
Credit Exposure 2021,Current period net     3
Credit Exposure Prior,Current period net (2)   8
Credit Exposure Revolving Loans Amortized Cost,Current period net     51
Total (156)   (211)
Consumer and Overdrafts | Pass      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 12,811   21,519
Credit Exposure 2024 13,800   12,431
Credit Exposure 2023 8,368   6,955
Credit Exposure 2022 4,349   3,009
Credit Exposure 2021 2,129   1,192
Credit Exposure Prior 2,445   2,120
Revolving Loans Amortized Cost 3,884   4,210
Total 47,786   51,436
Consumer and Overdrafts | Special Mention      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 4   14
Credit Exposure 2024 10   4
Credit Exposure 2023 26    
Credit Exposure 2022 15    
Credit Exposure 2021 3    
Total 58   18
Consumer and Overdrafts | Nonaccrual      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 6   12
Credit Exposure 2024 22   80
Credit Exposure 2023 159   86
Credit Exposure 2022 120   7
Credit Exposure 2021 3   18
Credit Exposure Prior 54   16
Total 364   219
Agricultural      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 1,911   2,644
Credit Exposure 2024 1,871   993
Credit Exposure 2023 798   1,246
Credit Exposure 2022 887   673
Credit Exposure 2021 578   367
Credit Exposure Prior 853   699
Revolving Loans Amortized Cost 6,593   5,104
Total 13,491   11,726
Total 0 0 0
Credit Exposure Prior, Recoveries     3
Total 0 $ 2 3
Credit Exposure Prior,Current period net     3
Total     3
Agricultural | Pass      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2025 1,911   2,644
Credit Exposure 2024 1,870   993
Credit Exposure 2023 798   1,225
Credit Exposure 2022 866   673
Credit Exposure 2021 578   367
Credit Exposure Prior 836   597
Revolving Loans Amortized Cost 6,593   5,104
Total 13,452   11,603
Agricultural | Special Mention      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2024 1    
Total 1    
Agricultural | Substandard      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure Prior 11   85
Total 11   85
Agricultural | Nonaccrual      
Financing Receivable Recorded Investment [Line Items]      
Credit Exposure 2023     21
Credit Exposure 2022 21    
Credit Exposure Prior 6   17
Total $ 27   $ 38