Note 6 - Credit Quality Indicators (Tables)

6 Months Ended

Jun. 30, 2025

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		Term Loans Amortized Cost Basis by Origination Year
(In Thousands of Dollars)																										*Revolving*
As of June 30, 2025		*2025*				*2024*				*2023*				*2022*				*2021*				*Prior*				*Loans*				*Total*
Commercial real estate - Owner occupied:
Risk Rating
Pass		$	31,538			$	50,068			$	55,261			$	43,181			$	57,614			$	154,668			$	2,236			$	394,566
Special mention			0				670				1,822				0				1,094				79				0				3,665
Substandard			0				0				1,349				588				1				1,664				0				3,602
Total commercial real estate - Owner occupied loans		$	31,538			$	50,738			$	58,432			$	43,769			$	58,709			$	156,411			$	2,236			$	401,833

Commercial real estate - Owner Occupied: Current period gross write-offs		$	0			$	0			$	0			$	0			$	22			$	0			$	0			$	22

Commercial real estate - Non-owner occupied:
Risk Rating
Pass		$	34,515			$	63,118			$	50,257			$	121,201			$	77,106			$	288,451			$	9,619			$	644,267
Special mention			0				0				0				4,021				309				4,462				200				8,992
Substandard			0				6,932				127				7,339				10,461				22,988				0				47,847
Doubtful			0				0				0				0				1,649				0				0				1,649
Total commercial real estate - Non-owner occupied loans		$	34,515			$	70,050			$	50,384			$	132,561			$	89,525			$	315,901			$	9,819			$	702,755

Commercial real estate - Non-owner occupied: Current period gross write-offs		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0

Commercial real estate - Farmland:
Risk Rating
Pass		$	10,645			$	26,256			$	24,145			$	37,260			$	17,535			$	96,783			$	3,360			$	215,984
Special mention			0				81				0				0				0				0				0				81
Substandard			0				0				0				0				360				312				0				672
Total commercial real estate - Farmland loans		$	10,645			$	26,337			$	24,145			$	37,260			$	17,895			$	97,095			$	3,360			$	216,737

Commercial real estate - Farmland: Current period gross write-offs		$	0			$	0			$	0			$	0			$	0			$	44			$	0			$	44

Commercial real estate - Other:
Risk Rating
Pass		$	15,329			$	44,333			$	90,026			$	64,039			$	27,500			$	26,284			$	2,122			$	269,633
Special mention			0				0				0				7,315				0				1,407				0				8,722
Substandard			0				0				970				0				111				23				0				1,104
Total commercial real estate - Other loans		$	15,329			$	44,333			$	90,996			$	71,354			$	27,611			$	27,714			$	2,122			$	279,459

Commercial real estate - Other: Current period gross write-offs		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0

		Term Loans Amortized Cost Basis by Origination Year (Continued)
(In Thousands of Dollars)																										*Revolving*
As of June 30, 2025		*2025*				*2024*				*2023*				*2022*				*2021*				*Prior*				*Loans*				*Total*
Commercial - Commercial and industrial:
Risk Rating
Pass		$	46,742			$	75,552			$	62,669			$	46,730			$	16,356			$	24,163			$	79,742			$	351,954
Special mention			0				0				0				2,418				305				169				1,919				4,811
Substandard			0				248				54				2,837				863				1,759				2,034				7,795
Total commercial - Commercial and industrial loans		$	46,742			$	75,800			$	62,723			$	51,985			$	17,524			$	26,091			$	83,695			$	364,560

Commercial - Commercial and industrial: Current period gross write-offs		$	0			$	79			$	144			$	189			$	56			$	47			$	28			$	543

Commercial - Agricultural:
Risk Rating
Pass		$	6,277			$	8,177			$	9,355			$	10,119			$	3,656			$	1,682			$	15,056			$	54,322
Special mention			0				0				0				0				0				0				0				0
Substandard			0				66				33				44				29				92				0				264
Total commercial - Agricultural loans		$	6,277			$	8,243			$	9,388			$	10,163			$	3,685			$	1,774			$	15,056			$	54,586

Commercial - Agricultural: Current period gross write-offs		$	0			$	81			$	16			$	1			$	0			$	13			$	0			$	111

Residential real estate - 1-4 family residential:
Payment Performance
Performing		$	37,221			$	90,715			$	66,211			$	150,974			$	146,564			$	352,168			$	3,541			$	847,394
Nonperforming			0				0				412				168				379				1,724				0				2,683
Total residential real estate - 1-4 family residential loans		$	37,221			$	90,715			$	66,623			$	151,142			$	146,943			$	353,892			$	3,541			$	850,077

Residential real estate - 1-4 family residential: Current period gross write-offs		$	0			$	0			$	0			$	0			$	18			$	31			$	0			$	49

Residential real estate - Home equity lines of credit:
Payment Performance
Performing		$	0			$	26			$	116			$	433			$	127			$	4,652			$	165,679			$	171,033
Nonperforming			0				0				0				99				0				372				0				471
Total residential real estate - Home equity lines of credit loans		$	0			$	26			$	116			$	532			$	127			$	5,024			$	165,679			$	171,504

Residential real estate - Home equity lines of credit: Current period gross write-offs		$	0			$	0			$	0			$	28			$	0			$	0			$	0			$	28

		Term Loans Amortized Cost Basis by Origination Year (Continued)
(In Thousands of Dollars)																										*Revolving*
As of June 30, 2025		*2025*				*2024*				*2023*				*2022*				*2021*				*Prior*				*Loans*				*Total*
Consumer - Indirect:
Payment Performance
Performing		$	36,226			$	67,297			$	46,906			$	39,221			$	19,028			$	26,787			$	0			$	235,465
Nonperforming			0				78				115				75				151				153				0				572
Total consumer - Indirect loans		$	36,226			$	67,375			$	47,021			$	39,296			$	19,179			$	26,940			$	0			$	236,037

Consumer - Indirect: Current period gross write-offs		$	0			$	139			$	8			$	33			$	40			$	299			$	0			$	519

Consumer - Direct:
Payment Performance
Performing		$	2,309			$	2,050			$	1,767			$	1,515			$	821			$	9,005			$	333			$	17,800
Nonperforming			0				0				7				2				0				9				0				18
Total consumer - Direct loans		$	2,309			$	2,050			$	1,774			$	1,517			$	821			$	9,014			$	333			$	17,818

Consumer - Direct: Current period gross write-offs		$	0			$	6			$	10			$	7			$	0			$	12			$	0			$	35

Consumer - Other:
Payment Performance
Performing		$	0			$	1			$	0			$	101			$	64			$	364			$	7,463			$	7,993
Nonperforming			0				0				0				0				0				0				0				0
Total consumer - Other loans		$	0			$	1			$	0			$	101			$	64			$	364			$	7,463			$	7,993

Consumer - Other: Current period gross write-offs		$	0			$	0			$	5			$	0			$	1			$	89			$	0			$	95

		Term Loans Amortized Cost Basis by Origination Year
(In Thousands of Dollars)																										*Revolving*
As of December 31, 2024		*2024*				*2023*				*2022*				*2021*				*2020*				*Prior*				*Loans*				*Total*
Commercial real estate - Owner occupied:
Risk Rating
Pass		$	45,588			$	56,389			$	46,323			$	60,179			$	45,428			$	127,665			$	1,984			$	383,556
Special mention			0				3,228				0				1,118				0				519				0				4,865
Substandard			0				0				659				0				0				1,962				66				2,687
Total commercial real estate - Owner occupied loans		$	45,588			$	59,617			$	46,982			$	61,297			$	45,428			$	130,146			$	2,050			$	391,108

Commercial real estate - Owner Occupied: Current period gross write-offs		$	0			$	0			$	72			$	0			$	21			$	0			$	0			$	93

Commercial real estate - Non-owner occupied:
Risk Rating
Pass		$	61,974			$	44,323			$	125,547			$	78,933			$	71,322			$	251,465			$	8,978			$	642,542
Special mention			0				0				6,284				313				1,356				10,024				150				18,127
Substandard			7,065				407				0				11,249				7,129				7,931				0				33,781
Doubtful			0				0				0				834				0				0				0				834
Total commercial real estate - Non-owner occupied loans		$	69,039			$	44,730			$	131,831			$	91,329			$	79,807			$	269,420			$	9,128			$	695,284

Commercial real estate - Non-owner occupied: Current period gross write-offs		$	0			$	0			$	0			$	4,380			$	146			$	0			$	0			$	4,526

Commercial real estate - Farmland:
Risk Rating
Pass		$	19,832			$	20,803			$	39,126			$	18,734			$	31,620			$	71,162			$	3,071			$	204,348
Substandard			0				0				0				317				0				1,935				0				2,252
Total commercial real estate - Farmland loans		$	19,832			$	20,803			$	39,126			$	19,051			$	31,620			$	73,097			$	3,071			$	206,600

Commercial real estate - Farmland: Current period gross write-offs		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0

Commercial real estate - Other:
Risk Rating
Pass		$	40,993			$	108,346			$	65,724			$	39,091			$	8,493			$	21,744			$	728			$	285,119
Special mention			0				990				7,480				112				0				1,448				0				10,030
Substandard			0				0				0				0				0				32				0				32
Total commercial real estate - Other loans		$	40,993			$	109,336			$	73,204			$	39,203			$	8,493			$	23,224			$	728			$	295,181

Commercial real estate - Other: Current period gross write-offs		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0

		Term Loans Amortized Cost Basis by Origination Year (Continued)
(In Thousands of Dollars)																										*Revolving*
As of December 31, 2024		*2024*				*2023*				*2022*				*2021*				*2020*				*Prior*				*Loans*				*Total*
Commercial - Commercial and industrial:
Risk Rating
Pass		$	84,491			$	72,388			$	55,279			$	26,780			$	10,744			$	20,223			$	70,675			$	340,580
Special mention			0				0				0				167				165				46				84				462
Substandard			31				118				5,653				282				244				1,682				2,481				10,491
Total commercial - Commercial and industrial loans		$	84,522			$	72,506			$	60,932			$	27,229			$	11,153			$	21,951			$	73,240			$	351,533

Commercial - Commercial and industrial: Current period gross write-offs		$	48			$	273			$	389			$	125			$	228			$	257			$	313			$	1,633

Commercial - Agricultural:
Risk Rating
Pass		$	9,085			$	11,703			$	13,160			$	5,481			$	1,768			$	850			$	13,958			$	56,005
Special mention			0				0				0				0				0				0				61				61
Substandard			0				0				35				29				162				137				0				363
Total commercial - Agricultural loans		$	9,085			$	11,703			$	13,195			$	5,510			$	1,930			$	987			$	14,019			$	56,429

Commercial - Agricultural: Current period gross write-offs		$	0			$	1			$	49			$	13			$	29			$	17			$	0			$	109

Residential real estate - 1-4 family residential:
Payment Performance
Performing		$	79,820			$	69,319			$	157,403			$	153,569			$	119,770			$	257,827			$	3,261			$	840,969
Nonperforming			0				0				473				278				1,626				2,193				0				4,570
Total residential real estate - 1-4 family residential loans		$	79,820			$	69,319			$	157,876			$	153,847			$	121,396			$	260,020			$	3,261			$	845,539

Residential real estate - 1-4 family residential: Current period gross write-offs		$	0			$	0			$	0			$	37			$	0			$	118			$	0			$	155

Residential real estate - Home equity lines of credit:
Payment Performance
Performing		$	0			$	119			$	153			$	127			$	68			$	4,118			$	153,051			$	157,636
Nonperforming			0				0				29				0				0				376				98				503
Total residential real estate - Home equity lines of credit loans		$	0			$	119			$	182			$	127			$	68			$	4,494			$	153,149			$	158,139

Residential real estate - Home equity lines of credit: Current period gross write-offs		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0

		Term Loans Amortized Cost Basis by Origination Year (Continued)
(In Thousands of Dollars)																										*Revolving*
As of December 31, 2024		*2024*				*2023*				*2022*				*2021*				*2020*				*Prior*				*Loans*				*Total*
Consumer - Indirect:
Payment Performance
Performing		$	78,306			$	55,525			$	49,548			$	23,331			$	14,183			$	19,962			$	0			$	240,855
Nonperforming			0				57				233				97				62				51				0				500
Total consumer - Indirect loans		$	78,306			$	55,582			$	49,781			$	23,428			$	14,245			$	20,013			$	0			$	241,355

Consumer - Indirect: Current period gross write-offs		$	10			$	100			$	206			$	192			$	174			$	430			$	0			$	1,112

Consumer - Direct:
Payment Performance
Performing		$	2,735			$	2,319			$	2,406			$	1,075			$	792			$	9,432			$	326			$	19,085
Nonperforming			0				0				6				15				66				13				0				100
Total consumer - Direct loans		$	2,735			$	2,319			$	2,412			$	1,090			$	858			$	9,445			$	326			$	19,185

Consumer - Direct: Current period gross write-offs		$	0			$	7			$	38			$	6			$	5			$	120			$	0			$	176

Consumer - Other:
Payment Performance
Performing		$	0			$	0			$	0			$	60			$	0			$	409			$	7,524			$	7,993
Nonperforming			0				0				0				0				0				0				0				0
Total consumer - Other loans		$	0			$	0			$	0			$	60			$	0			$	409			$	7,524			$	7,993

Consumer - Other: Current period gross write-offs		$	0			$	0			$	1			$	0			$	0			$	182			$	0			$	183

Schedule of Loans Held for Sale [Table Text Block]

		*June 30, 2025*								*December 31, 2024*
(In Thousands of Dollars)			Loan Balance				ACL Balance				Loan Balance				ACL Balance
Commercial real estate
Owner Occupied		$	298			$	10			$	333			$	11
Non-owner Occupied			25,418				1,466				26,890				420
Farmland			0				0				3				0
Commercial
Commercial and industrial			1,025				62				1,561				115
Agricultural			88				6				117				8
Residential real estate
1-4 family residential			1,194				6				1,264				7
Home equity lines of credit			4				0				3				0
Total		$	28,027			$	1,550			$	30,171			$	561