Note 4 - Loans (Tables)

6 Months Ended

Jun. 30, 2025

Notes Tables

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

(In Thousands of Dollars)		*June 30, 2025*				*December 31, 2024*
Commercial real estate
Owner occupied		$	402,058			$	391,302
Non-owner occupied			703,132				695,699
Farmland			216,905				206,786
Other			279,972				295,713
Commercial
Commercial and industrial			363,009				349,966
Agricultural			53,694				55,606
Residential real estate
1-4 family residential			849,443				845,081
Home equity lines of credit			171,312				158,014
Consumer
Indirect			227,612				232,822
Direct			17,761				19,143
Other			7,990				7,989
Total loans		$	3,292,888			$	3,258,121
Net deferred loan costs			10,471				10,225
Allowance for credit losses			(38,563	)			(35,863	)
Net loans		$	3,264,796			$	3,232,483

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

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	19,480			$	4,383			$	7,065			$	4,621			$	35,549
Provision for credit losses			2,149				901				191				345				3,586
Loans charged off			(22	)			(341	)			(58	)			(327	)			(748	)
Recoveries			20				30				12				114				176
Total ending allowance balance		$	21,627			$	4,973			$	7,210			$	4,753			$	38,563

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	19,259			$	4,628			$	7,271			$	4,705			$	35,863
Provision (Credit) for credit losses			2,412				776				(43	)			463				3,608
Loans charged off			(66	)			(654	)			(77	)			(649	)			(1,446	)
Recoveries			22				223				59				234				538
Total ending allowance balance		$	21,627			$	4,973			$	7,210			$	4,753			$	38,563

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	17,481			$	4,543			$	6,840			$	4,295			$	33,159
(Credit) Provision for credit losses			(258	)			428				628				597				1,395
Loans charged off			0				(372	)			(51	)			(238	)			(661	)
Recoveries			0				29				5				64				98
Total ending allowance balance		$	17,223			$	4,628			$	7,422			$	4,718			$	33,991

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	18,150			$	5,087			$	6,916			$	4,287			$	34,440
(Credit) Provision for credit losses			(799	)			490				559				875				1,125
Loans charged off			(146	)			(1,015	)			(81	)			(701	)			(1,943	)
Recoveries			18				66				28				257				369
Total ending allowance balance		$	17,223			$	4,628			$	7,422			$	4,718			$	33,991

Financing Receivable, Nonaccrual [Table Text Block]

		Nonaccrual with				Nonaccrual with				Loans past due
		no allowance				an allowance				over 89 days
(In Thousands of Dollars)		for credit loss				for credit loss				still accruing
June 30, 2025
Commercial real estate
Owner occupied		$	195			$	401			$	0
Non-owner occupied			1,976				16,702				0
Farmland			0				50				0
Other			0				1,082				0
Commercial
Commercial and industrial			182				3,231				0
Agricultural			0				256				0
Residential real estate
1-4 family residential			664				2,019				0
Home equity lines of credit			30				441				0
Consumer
Indirect			11				561				0
Direct			0				18				0
Other			0				0				0
Total loans		$	3,058			$	24,761			$	0

		Nonaccrual with				Nonaccrual with				Loans past due
		no allowance				an allowance				over 89 days
(In Thousands of Dollars)		for credit loss				for credit loss				still accruing
December 31, 2024
Commercial real estate
Owner occupied		$	0			$	937			$	0
Non-owner occupied			0				8,105				0
Farmland			1,757				3				0
Other			0				0				525
Commercial
Commercial and industrial			145				3,713				0
Agricultural			177				183				0
Residential real estate
1-4 family residential			513				3,967				90
Home equity lines of credit			94				409				0
Consumer
Indirect			37				463				0
Direct			66				34				0
Other			0				0				0
Total loans		$	2,789			$	17,814			$	615

Schedule of Collateral Dependent Loans [Table Text Block]

(In Thousands of Dollars)		Real Estate				Business Assets				Vehicles				Cash
June 30, 2025
Commercial real estate
Owner occupied		$	346			$	0			$	0			$	0
Non-owner occupied			29,473				0				0				0
Farmland			0				0				0				0
Other			1,082				0				0				0
Commercial
Commercial and industrial			0				2,485				0				0
Agricultural			0				0				0				0
Residential real estate
1-4 family residential			3,203				0				0				0
Home equity lines of credit			249				0				0				0
Consumer
Indirect			0				0				30				0
Direct			0				0				6				0
Other			0				0				0				0
Total loans		$	34,353			$	2,485			$	36			$	0

(In Thousands of Dollars)		Real Estate				Business Assets				Vehicles				Cash
December 31, 2024
Commercial real estate
Owner occupied		$	0			$	0			$	0			$	0
Non-owner occupied			8,119				0				0				0
Farmland			1,757				0				0				0
Other			0				0				0				0
Commercial
Commercial and industrial			0				2,591				0				0
Agricultural			0				177				0				0
Residential real estate
1-4 family residential			3,573				0				0				0
Home equity lines of credit			264				0				0				0
Consumer
Indirect			0				0				70				0
Direct			0				0				9				66
Other			0				0				0				0
Total loans		$	13,713			$	2,768			$	79			$	66

Financing Receivable, Past Due [Table Text Block]

										90 Days
										or More
		30-59 Days				60-89 Days				Past Due				Total				Loans Not
(In Thousands of Dollars)		Past Due				Past Due				and Nonaccrual				Past Due				Past Due				Total
June 30, 2025
Commercial real estate
Owner occupied		$	1,684			$	0			$	596			$	2,280			$	399,553			$	401,833
Non-owner occupied			551				0				18,678				19,229				683,526				702,755
Farmland			1,450				216				50				1,716				215,021				216,737
Other			0				0				1,082				1,082				278,377				279,459
Commercial
Commercial and industrial			1,391				378				3,413				5,182				359,378				364,560
Agricultural			353				185				256				794				53,792				54,586
Residential real estate
1-4 family residential			7,208				1,874				2,683				11,765				838,312				850,077
Home equity lines of credit			618				79				471				1,168				170,336				171,504
Consumer
Indirect			1,420				248				572				2,240				233,797				236,037
Direct			66				0				18				84				17,734				17,818
Other			5				1				0				6				7,987				7,993
Total loans		$	14,746			$	2,981			$	27,819			$	45,546			$	3,257,813			$	3,303,359

										90 Days
										or More
		30-59 Days				60-89 Days				Past Due				Total				Loans Not
(In Thousands of Dollars)		Past Due				Past Due				and Nonaccrual				Past Due				Past Due				Total
December 31, 2024
Commercial real estate
Owner occupied		$	95			$	446			$	937			$	1,478			$	389,630			$	391,108
Non-owner occupied			15				52				8,105				8,172				687,112				695,284
Farmland			53				0				1,760				1,813				204,787				206,600
Other			0				113				525				638				294,543				295,181
Commercial
Commercial and industrial			941				324				3,858				5,123				346,410				351,533
Agricultural			284				26				360				670				55,759				56,429
Residential real estate
1-4 family residential			6,688				1,943				4,570				13,201				832,338				845,539
Home equity lines of credit			104				0				503				607				157,532				158,139
Consumer
Indirect			1,385				473				500				2,358				238,997				241,355
Direct			59				30				100				189				18,996				19,185
Other			0				1				0				1				7,992				7,993
Total loans		$	9,624			$	3,408			$	21,218			$	34,250			$	3,234,096			$	3,268,346