Loans and Allowance for Credit Losses (Tables)
|
6 Months Ended |
Jun. 30, 2025 |
|---|
| Receivables [Abstract] |
|
| Schedule of Loans |
The following schedule details the loans of the Company at June 30, 2025 and December 31, 2024:
|
|
|
|
|
|
|
|
|
|
|
(In Thousands) |
|
|
|
June 30, 2025 |
|
|
December 31, 2024 |
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
$ |
1,202,642 |
|
|
$ |
1,133,966 |
|
Commercial and multi-family real estate |
|
|
1,624,965 |
|
|
|
1,544,340 |
|
Construction, land development and farmland |
|
|
956,871 |
|
|
|
941,193 |
|
Commercial, industrial and agricultural |
|
|
150,131 |
|
|
|
144,619 |
|
1-4 family equity lines of credit |
|
|
248,424 |
|
|
|
235,240 |
|
Consumer and other |
|
|
118,108 |
|
|
|
106,235 |
|
Total loans before net deferred loan fees |
|
|
4,301,141 |
|
|
|
4,105,593 |
|
Net deferred loan fees |
|
|
(13,196 |
) |
|
|
(13,704 |
) |
Total loans |
|
|
4,287,945 |
|
|
|
4,091,889 |
|
Less: Allowance for credit losses |
|
|
(53,854 |
) |
|
|
(49,497 |
) |
Net loans |
|
$ |
4,234,091 |
|
|
$ |
4,042,392 |
|
|
| Summary of Transactions in Allowance for Credit Losses |
Transactions in the allowance for credit losses for the three months ended June 30, 2025 and 2024 are summarized as follows:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(In Thousands) |
|
|
|
Residential
1-4 Family
Real Estate |
|
|
Commercial
and Multi-
family Real
Estate |
|
|
Construction,
Land
Development
and Farmland |
|
|
Commercial,
Industrial
and
Agricultural |
|
|
1-4 family
Equity Lines
of Credit |
|
|
Consumer
and Other |
|
|
Total |
|
June 30, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for credit losses - loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Beginning balance April 1, |
|
$ |
12,141 |
|
|
|
16,207 |
|
|
|
17,079 |
|
|
|
3,200 |
|
|
|
1,209 |
|
|
|
1,644 |
|
|
|
51,480 |
|
Provision for credit losses |
|
|
1,485 |
|
|
|
457 |
|
|
|
(16 |
) |
|
|
111 |
|
|
|
276 |
|
|
|
194 |
|
|
|
2,507 |
|
Charge-offs |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(92 |
) |
|
|
— |
|
|
|
(219 |
) |
|
|
(311 |
) |
Recoveries |
|
|
9 |
|
|
|
— |
|
|
|
3 |
|
|
|
41 |
|
|
|
— |
|
|
|
125 |
|
|
|
178 |
|
Ending balance |
|
$ |
13,635 |
|
|
|
16,664 |
|
|
|
17,066 |
|
|
|
3,260 |
|
|
|
1,485 |
|
|
|
1,744 |
|
|
|
53,854 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(In Thousands) |
|
|
|
Residential
1-4 Family
Real Estate |
|
|
Commercial
and Multi-
family Real
Estate |
|
|
Construction,
Land
Development
and
Farmland |
|
|
Commercial,
Industrial
and
Agricultural |
|
|
1-4 family
Equity Lines
of Credit |
|
|
Consumer
and Other |
|
|
Total |
|
June 30, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for credit losses - loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Beginning balance April 1, |
|
$ |
8,661 |
|
|
|
17,997 |
|
|
|
13,356 |
|
|
|
1,479 |
|
|
|
1,823 |
|
|
|
1,426 |
|
|
|
44,742 |
|
Provision |
|
|
168 |
|
|
|
(357 |
) |
|
|
215 |
|
|
|
(47 |
) |
|
|
54 |
|
|
|
(33 |
) |
|
|
— |
|
Charge-offs |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(8 |
) |
|
|
— |
|
|
|
(173 |
) |
|
|
(181 |
) |
Recoveries |
|
|
8 |
|
|
|
— |
|
|
|
3 |
|
|
|
8 |
|
|
|
— |
|
|
|
81 |
|
|
|
100 |
|
Ending balance |
|
$ |
8,837 |
|
|
|
17,640 |
|
|
|
13,574 |
|
|
|
1,432 |
|
|
|
1,877 |
|
|
|
1,301 |
|
|
|
44,661 |
|
Transactions in the allowance for credit losses for the six months ended June 30, 2025 and 2024 are summarized as follows:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(In Thousands) |
|
|
|
Residential
1-4 Family
Real Estate |
|
|
Commercial
and Multi-family Real Estate |
|
|
Construction,
Land
Development
and Farmland |
|
|
Commercial,
Industrial
and
Agricultural |
|
|
1-4 family
Equity Lines
of Credit |
|
|
Consumer
and Other |
|
|
Total |
|
June 30, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for credit losses - loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Beginning balance January 1, |
|
$ |
9,708 |
|
|
|
20,203 |
|
|
|
14,663 |
|
|
|
1,702 |
|
|
|
1,890 |
|
|
|
1,331 |
|
|
|
49,497 |
|
Provision for credit losses |
|
|
3,910 |
|
|
|
(3,539 |
) |
|
|
2,397 |
|
|
|
1,666 |
|
|
|
(405 |
) |
|
|
711 |
|
|
|
4,740 |
|
Charge-offs |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(149 |
) |
|
|
— |
|
|
|
(544 |
) |
|
|
(693 |
) |
Recoveries |
|
|
17 |
|
|
|
— |
|
|
|
6 |
|
|
|
41 |
|
|
|
— |
|
|
|
246 |
|
|
|
310 |
|
Ending balance |
|
$ |
13,635 |
|
|
|
16,664 |
|
|
|
17,066 |
|
|
|
3,260 |
|
|
|
1,485 |
|
|
|
1,744 |
|
|
|
53,854 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(In Thousands) |
|
|
|
Residential
1-4 Family
Real Estate |
|
|
Commercial
and Multi-
family Real
Estate |
|
|
Construction,
Land
Development
and
Farmland |
|
|
Commercial,
Industrial
and
Agricultural |
|
|
1-4 family
Equity Lines
of Credit |
|
|
Consumer
and Other |
|
|
Total |
|
June 30, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for credit losses - loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Beginning balance January 1, |
|
$ |
8,765 |
|
|
|
17,422 |
|
|
|
14,027 |
|
|
|
1,533 |
|
|
|
1,809 |
|
|
|
1,292 |
|
|
|
44,848 |
|
Provision |
|
|
46 |
|
|
|
218 |
|
|
|
(459 |
) |
|
|
(100 |
) |
|
|
68 |
|
|
|
227 |
|
|
|
— |
|
Charge-offs |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(14 |
) |
|
|
— |
|
|
|
(461 |
) |
|
|
(475 |
) |
Recoveries |
|
|
26 |
|
|
|
— |
|
|
|
6 |
|
|
|
13 |
|
|
|
— |
|
|
|
243 |
|
|
|
288 |
|
Ending balance |
|
$ |
8,837 |
|
|
|
17,640 |
|
|
|
13,574 |
|
|
|
1,432 |
|
|
|
1,877 |
|
|
|
1,301 |
|
|
|
44,661 |
|
|
| Schedule of Amortized Cost Basis of Collateral Dependent Loans |
The following table presents the amortized cost basis of collateral dependent loans at June 30, 2025 and December 31, 2024 which are individually evaluated to determine expected credit losses:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
In Thousands |
|
|
|
Real Estate |
|
|
Other |
|
|
Total |
|
June 30, 2025 |
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
$ |
2,620 |
|
|
|
— |
|
|
|
2,620 |
|
Commercial and multi-family real estate |
|
|
2,059 |
|
|
|
— |
|
|
|
2,059 |
|
Construction, land development and farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
Commercial, industrial and agricultural |
|
|
— |
|
|
|
— |
|
|
|
— |
|
1-4 family equity lines of credit |
|
|
— |
|
|
|
— |
|
|
|
— |
|
Consumer and other |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
$ |
4,679 |
|
|
|
— |
|
|
|
4,679 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
In Thousands |
|
|
|
Real Estate |
|
|
Other |
|
|
Total |
|
December 31, 2024 |
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
$ |
1,485 |
|
|
|
— |
|
|
|
1,485 |
|
Commercial and multi-family real estate |
|
|
31,273 |
|
|
|
— |
|
|
|
31,273 |
|
Construction, land development and farmland |
|
|
2,521 |
|
|
|
— |
|
|
|
2,521 |
|
Commercial, industrial and agricultural |
|
|
— |
|
|
|
— |
|
|
|
— |
|
1-4 family equity lines of credit |
|
|
2,009 |
|
|
|
— |
|
|
|
2,009 |
|
Consumer and other |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
$ |
37,288 |
|
|
|
— |
|
|
|
37,288 |
|
|
| Schedule of Loans on Nonaccrual Status |
Loans on Nonaccrual Status
|
|
|
|
|
|
|
|
|
|
|
In Thousands |
|
|
|
June 30, |
|
|
December 31, |
|
|
|
2025 |
|
|
2024 |
|
Residential 1-4 family real estate |
|
$ |
5,665 |
|
|
$ |
452 |
|
Commercial and multi-family real estate |
|
|
2,492 |
|
|
|
3,616 |
|
Construction, land development and farmland |
|
|
— |
|
|
|
— |
|
Commercial, industrial and agricultural |
|
|
141 |
|
|
|
— |
|
1-4 family equity lines of credit |
|
|
— |
|
|
|
750 |
|
Consumer and other |
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
Total |
|
$ |
8,298 |
|
|
$ |
4,818 |
|
|
| Schedule of Age Analysis of Past Due Loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(In thousands) |
|
|
|
30-59 Days
Past Due |
|
|
60-89 Days
Past Due |
|
|
Non Accrual
or Greater
Than 89 Days
Past Due |
|
|
Total Non
Accrual and
Past Due |
|
|
Current |
|
|
Total Loans |
|
|
Recorded
Investment in Loans
Greater Than
89 Days Past
Due and
Accruing |
|
June 30, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
$ |
1,606 |
|
|
|
3,461 |
|
|
|
6,949 |
|
|
|
12,016 |
|
|
|
1,190,626 |
|
|
|
1,202,642 |
|
|
$ |
1,284 |
|
Commercial and multi-family real estate |
|
|
23,199 |
|
|
|
— |
|
|
|
2,492 |
|
|
|
25,691 |
|
|
|
1,599,274 |
|
|
|
1,624,965 |
|
|
|
— |
|
Construction, land development and
farmland |
|
|
15,718 |
|
|
|
460 |
|
|
|
709 |
|
|
|
16,887 |
|
|
|
939,984 |
|
|
|
956,871 |
|
|
|
709 |
|
Commercial, industrial and agricultural |
|
|
293 |
|
|
|
— |
|
|
|
141 |
|
|
|
434 |
|
|
|
149,697 |
|
|
|
150,131 |
|
|
|
— |
|
1-4 family equity lines of credit |
|
|
2,126 |
|
|
|
— |
|
|
|
131 |
|
|
|
2,257 |
|
|
|
246,167 |
|
|
|
248,424 |
|
|
|
131 |
|
Consumer and other |
|
|
832 |
|
|
|
109 |
|
|
|
73 |
|
|
|
1,014 |
|
|
|
117,094 |
|
|
|
118,108 |
|
|
|
73 |
|
Total |
|
$ |
43,774 |
|
|
|
4,030 |
|
|
|
10,495 |
|
|
|
58,299 |
|
|
|
4,242,842 |
|
|
|
4,301,141 |
|
|
$ |
2,197 |
|
December 31, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
$ |
5,854 |
|
|
|
1,462 |
|
|
|
766 |
|
|
|
8,082 |
|
|
|
1,125,884 |
|
|
|
1,133,966 |
|
|
$ |
314 |
|
Commercial and multi-family real estate |
|
|
— |
|
|
|
2 |
|
|
|
3,616 |
|
|
|
3,618 |
|
|
|
1,540,722 |
|
|
|
1,544,340 |
|
|
|
— |
|
Construction, land development and
farmland |
|
|
742 |
|
|
|
— |
|
|
|
162 |
|
|
|
904 |
|
|
|
940,289 |
|
|
|
941,193 |
|
|
|
162 |
|
Commercial, industrial and agricultural |
|
|
184 |
|
|
|
562 |
|
|
|
113 |
|
|
|
859 |
|
|
|
143,760 |
|
|
|
144,619 |
|
|
|
113 |
|
1-4 family equity lines of credit |
|
|
960 |
|
|
|
581 |
|
|
|
840 |
|
|
|
2,381 |
|
|
|
232,859 |
|
|
|
235,240 |
|
|
|
90 |
|
Consumer and other |
|
|
568 |
|
|
|
137 |
|
|
|
52 |
|
|
|
757 |
|
|
|
105,478 |
|
|
|
106,235 |
|
|
|
52 |
|
Total |
|
$ |
8,308 |
|
|
|
2,744 |
|
|
|
5,549 |
|
|
|
16,601 |
|
|
|
4,088,992 |
|
|
|
4,105,593 |
|
|
$ |
731 |
|
|
| Modified Financing Receivables |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(In Thousands) |
|
|
|
Principal
Forgiveness |
|
|
Payment
Delay |
|
|
Term
Extension |
|
|
Interest Rate
Reduction |
|
|
Combination
Term
Extension and
Principal
Forgiveness |
|
|
Combination Term Extension and Interest Rate Reduction |
|
|
Total Class of Financing Receivable |
|
Six Months Ended June 30, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
$ |
— |
|
|
$ |
1,139 |
|
|
$ |
946 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
360 |
|
|
|
0.20 |
% |
Commercial and multi-family real estate |
|
|
— |
|
|
|
— |
|
|
|
3,270 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
0.20 |
% |
Construction, land development and
farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Commercial, industrial and agricultural |
|
|
— |
|
|
|
— |
|
|
|
242 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
0.16 |
% |
1-4 family equity lines of credit |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Consumer and other |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Total |
|
$ |
— |
|
|
$ |
1,139 |
|
|
$ |
4,458 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
360 |
|
|
|
0.14 |
% |
As of June 30, 2025, the Company has not committed to lend additional amounts to the borrowers included in the previous table.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(In Thousands) |
|
|
|
Principal
Forgiveness |
|
|
Payment
Delay |
|
|
Term
Extension |
|
|
Interest Rate
Reduction |
|
|
Combination
Term
Extension and
Principal
Forgiveness |
|
|
Combination Term Extension and Interest Rate Reduction |
|
|
Total Class of Financing Receivable |
|
Six Months Ended June 30, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
950 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
|
0.09 |
% |
Commercial and multi-family real estate |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Construction, land development and
farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Commercial, industrial and agricultural |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
1-4 family equity lines of credit |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Consumer and other |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Total |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
950 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
|
0.03 |
% |
As of June 30, 2024, the Company has not committed to lend additional amounts to the borrowers included in the previous table. The following tables present the amortized cost basis of loans at June 30, 2025 and June 30, 2024 that were both experiencing financial difficulty and modified during the three months ended June 30, 2025 or three months ended June 30, 2024, by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to each class of financing receivable is also presented below.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(In Thousands) |
|
|
|
Principal
Forgiveness |
|
|
Payment
Delay |
|
|
Term
Extension |
|
|
Interest Rate
Reduction |
|
|
Combination
Term
Extension and
Principal
Forgiveness |
|
|
Combination Term Extension and Interest Rate Reduction |
|
|
Total Class of Financing Receivable |
|
Three Months Ended June 30, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
$ |
— |
|
|
$ |
1,139 |
|
|
$ |
946 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
360 |
|
|
|
0.20 |
% |
Commercial and multi-family real estate |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Construction, land development and
farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Commercial, industrial and agricultural |
|
|
— |
|
|
|
— |
|
|
|
141 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
0.09 |
% |
1-4 family equity lines of credit |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Consumer and other |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Total |
|
$ |
— |
|
|
$ |
1,139 |
|
|
$ |
1,087 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
360 |
|
|
|
0.06 |
% |
As of June 30, 2025, the Company has not committed to lend additional amounts to the borrowers included in the previous table.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(In Thousands) |
|
|
|
Principal
Forgiveness |
|
|
Payment
Delay |
|
|
Term
Extension |
|
|
Interest Rate
Reduction |
|
|
Combination
Term
Extension and
Principal
Forgiveness |
|
|
Combination Term Extension and Interest Rate Reduction |
|
|
Total Class of Financing Receivable |
|
Three Months Ended June 30, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
950 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
|
0.09 |
% |
Commercial and multi-family real estate |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Construction, land development and
farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Commercial, industrial and agricultural |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
1-4 family equity lines of credit |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Consumer and other |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
% |
Total |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
950 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
|
0.03 |
% |
As of June 30, 2024, the Company had not committed to lend additional amounts to the borrowers included in the previous table.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
In Thousands |
|
|
|
|
|
|
30-59 Days Past Due |
|
|
60-89 Days Past Due |
|
|
Greater Than 89 Days Past Due |
|
|
Current |
|
|
Total Modified Loans |
|
June 30, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
407 |
|
|
$ |
2,980 |
|
|
$ |
3,387 |
|
Commercial and multi-family real estate |
|
|
22,430 |
|
|
|
— |
|
|
|
— |
|
|
|
3,270 |
|
|
|
25,700 |
|
Construction, land development and
farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Commercial, industrial and agricultural |
|
|
101 |
|
|
|
— |
|
|
|
— |
|
|
|
141 |
|
|
|
242 |
|
1-4 family equity lines of credit |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Consumer and other |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total |
|
$ |
22,531 |
|
|
$ |
— |
|
|
$ |
407 |
|
|
$ |
6,391 |
|
|
$ |
29,329 |
|
The following table presents the performance of such loans that had been modified within the last twelve months as of June 30, 2024:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
In Thousands |
|
|
|
|
|
|
30-59 Days Past Due |
|
|
60-89 Days Past Due |
|
|
Greater Than 89 Days Past Due |
|
|
Current |
|
|
Total Modified Loans |
|
June 30, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
Commercial and multi-family real estate |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Construction, land development and
farmland |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Commercial, industrial and agricultural |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
1-4 family equity lines of credit |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Consumer and other |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total |
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the six months ended June 30, 2025 and 2024 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Six Months Ended June 30, 2025 |
|
|
Six Months Ended June 30, 2024 |
|
|
|
Principal
Forgiveness |
|
Weighted-Average
Interest Rate Reduction |
|
Weighted-Average Months of Term Extension |
|
Weighted-Average Months of Payment Delay |
|
|
Principal
Forgiveness |
|
Weighted-Average
Interest Rate Reduction |
|
Weighted-Average Months of Term Extension |
|
Weighted-Average Months of Payment Delay |
|
Residential 1-4 family real estate |
|
$ |
— |
|
|
0.67 |
% |
|
13 |
|
|
6 |
|
|
$ |
— |
|
|
— |
% |
|
6 |
|
|
— |
|
Commercial and multi-family real estate |
|
|
— |
|
|
— |
|
|
6 |
|
|
— |
|
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Construction, land development and farmland |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Commercial, industrial and agricultural |
|
|
— |
|
|
— |
|
|
22 |
|
|
— |
|
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
1-4 family equity lines of credit |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Consumer and other |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Total |
|
$ |
— |
|
|
0.67 |
% |
|
8 |
|
|
6 |
|
|
$ |
— |
|
|
— |
% |
|
6 |
|
|
— |
|
|
| Schedule of Loan Portfolio by Risk Rating |
The table below presents loan balances classified within each risk rating category by primary loan type and based on year of origination as of June 30, 2025:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
In Thousands |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2025 |
|
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
2021 |
|
|
Prior |
|
|
Revolving Loans |
|
|
Total |
|
June 30, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
122,433 |
|
|
|
266,771 |
|
|
|
133,821 |
|
|
|
262,303 |
|
|
|
211,947 |
|
|
|
178,293 |
|
|
|
10,807 |
|
|
|
1,186,375 |
|
Special mention |
|
|
— |
|
|
|
1,283 |
|
|
|
1,114 |
|
|
|
2,290 |
|
|
|
586 |
|
|
|
5,014 |
|
|
|
30 |
|
|
|
10,317 |
|
Substandard |
|
|
— |
|
|
|
2,378 |
|
|
|
1,060 |
|
|
|
1,630 |
|
|
|
195 |
|
|
|
284 |
|
|
|
403 |
|
|
|
5,950 |
|
Total Residential 1-4 family real estate |
|
$ |
122,433 |
|
|
|
270,432 |
|
|
|
135,995 |
|
|
|
266,223 |
|
|
|
212,728 |
|
|
|
183,591 |
|
|
|
11,240 |
|
|
|
1,202,642 |
|
Residential 1-4 family real estate: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Commercial and multi-family real estate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
70,078 |
|
|
|
283,953 |
|
|
|
170,535 |
|
|
|
304,965 |
|
|
|
355,957 |
|
|
|
342,398 |
|
|
|
67,984 |
|
|
|
1,595,870 |
|
Special mention |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
22,527 |
|
|
|
— |
|
|
|
4,077 |
|
|
|
— |
|
|
|
26,604 |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
2,059 |
|
|
|
— |
|
|
|
— |
|
|
|
432 |
|
|
|
— |
|
|
|
2,491 |
|
Total Commercial and multi-family real estate |
|
$ |
70,078 |
|
|
|
283,953 |
|
|
|
172,594 |
|
|
|
327,492 |
|
|
|
355,957 |
|
|
|
346,907 |
|
|
|
67,984 |
|
|
|
1,624,965 |
|
Commercial and multi-family real estate: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Construction, land development and
farmland |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
132,048 |
|
|
|
322,237 |
|
|
|
87,034 |
|
|
|
120,668 |
|
|
|
36,772 |
|
|
|
25,211 |
|
|
|
228,728 |
|
|
|
952,698 |
|
Special mention |
|
|
— |
|
|
|
661 |
|
|
|
1,191 |
|
|
|
447 |
|
|
|
910 |
|
|
|
57 |
|
|
|
884 |
|
|
|
4,150 |
|
Substandard |
|
|
— |
|
|
|
23 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
23 |
|
Total Construction, land development
and farmland |
|
$ |
132,048 |
|
|
|
322,921 |
|
|
|
88,225 |
|
|
|
121,115 |
|
|
|
37,682 |
|
|
|
25,268 |
|
|
|
229,612 |
|
|
|
956,871 |
|
Construction, land development and
farmland: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Commercial, industrial and agricultural |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
17,299 |
|
|
|
26,052 |
|
|
|
9,889 |
|
|
|
27,423 |
|
|
|
3,413 |
|
|
|
28,263 |
|
|
|
37,007 |
|
|
|
149,346 |
|
Special mention |
|
|
102 |
|
|
|
— |
|
|
|
105 |
|
|
|
— |
|
|
|
6 |
|
|
|
304 |
|
|
|
106 |
|
|
|
623 |
|
Substandard |
|
|
141 |
|
|
|
— |
|
|
|
1 |
|
|
|
11 |
|
|
|
— |
|
|
|
9 |
|
|
|
— |
|
|
|
162 |
|
Total Commercial, industrial and
agricultural |
|
$ |
17,542 |
|
|
|
26,052 |
|
|
|
9,995 |
|
|
|
27,434 |
|
|
|
3,419 |
|
|
|
28,576 |
|
|
|
37,113 |
|
|
|
150,131 |
|
Commercial, industrial and agricultural: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
— |
|
|
|
86 |
|
|
|
57 |
|
|
|
6 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
149 |
|
1-4 family equity lines of credit |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
244,261 |
|
|
|
244,261 |
|
Special mention |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
4,163 |
|
|
|
4,163 |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Total 1-4 family equity lines of credit |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
248,424 |
|
|
|
248,424 |
|
1-4 family equity lines of credit: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Consumer and other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
26,975 |
|
|
|
21,389 |
|
|
|
12,646 |
|
|
|
5,087 |
|
|
|
1,648 |
|
|
|
20,444 |
|
|
|
29,570 |
|
|
|
117,759 |
|
Special mention |
|
|
20 |
|
|
|
9 |
|
|
|
90 |
|
|
|
98 |
|
|
|
17 |
|
|
|
27 |
|
|
|
— |
|
|
|
261 |
|
Substandard |
|
|
— |
|
|
|
12 |
|
|
|
38 |
|
|
|
31 |
|
|
|
7 |
|
|
|
— |
|
|
|
— |
|
|
|
88 |
|
Total Consumer and other |
|
$ |
26,995 |
|
|
|
21,410 |
|
|
|
12,774 |
|
|
|
5,216 |
|
|
|
1,672 |
|
|
|
20,471 |
|
|
|
29,570 |
|
|
|
118,108 |
|
Consumer and other: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
— |
|
|
|
31 |
|
|
|
90 |
|
|
|
49 |
|
|
|
1 |
|
|
|
— |
|
|
|
373 |
|
|
|
544 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
In Thousands |
|
|
|
2025 |
|
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
2021 |
|
|
Prior |
|
|
Revolving Loans |
|
|
Total |
|
June 30, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
368,833 |
|
|
|
920,402 |
|
|
|
413,925 |
|
|
|
720,446 |
|
|
|
609,737 |
|
|
|
594,609 |
|
|
|
618,357 |
|
|
|
4,246,309 |
|
Special mention |
|
|
122 |
|
|
|
1,953 |
|
|
|
2,500 |
|
|
|
25,362 |
|
|
|
1,519 |
|
|
|
9,479 |
|
|
|
5,183 |
|
|
|
46,118 |
|
Substandard |
|
|
141 |
|
|
|
2,413 |
|
|
|
3,158 |
|
|
|
1,672 |
|
|
|
202 |
|
|
|
725 |
|
|
|
403 |
|
|
|
8,714 |
|
Total |
|
$ |
369,096 |
|
|
|
924,768 |
|
|
|
419,583 |
|
|
|
747,480 |
|
|
|
611,458 |
|
|
|
604,813 |
|
|
|
623,943 |
|
|
|
4,301,141 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
In Thousands |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Revolving |
|
|
|
|
|
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
2021 |
|
|
2020 |
|
|
Prior |
|
|
Loans |
|
|
Total |
|
December 31, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 family real estate: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
281,651 |
|
|
|
136,736 |
|
|
|
278,556 |
|
|
|
220,533 |
|
|
|
76,275 |
|
|
|
118,960 |
|
|
|
12,941 |
|
|
|
1,125,652 |
|
Special mention |
|
|
950 |
|
|
|
1,817 |
|
|
|
1,607 |
|
|
|
196 |
|
|
|
— |
|
|
|
2,528 |
|
|
|
401 |
|
|
|
7,499 |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
376 |
|
|
|
— |
|
|
|
365 |
|
|
|
74 |
|
|
|
815 |
|
Total Residential 1-4 family real estate |
|
$ |
282,601 |
|
|
|
138,553 |
|
|
|
280,163 |
|
|
|
221,105 |
|
|
|
76,275 |
|
|
|
121,853 |
|
|
|
13,416 |
|
|
|
1,133,966 |
|
Residential 1-4 family real estate: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
24 |
|
|
|
— |
|
|
|
24 |
|
Commercial and multi-family real estate: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
285,939 |
|
|
|
119,202 |
|
|
|
311,740 |
|
|
|
347,484 |
|
|
|
130,226 |
|
|
|
255,968 |
|
|
|
61,885 |
|
|
|
1,512,444 |
|
Special mention |
|
|
— |
|
|
|
3,615 |
|
|
|
23,228 |
|
|
|
— |
|
|
|
705 |
|
|
|
4,275 |
|
|
|
— |
|
|
|
31,823 |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
73 |
|
|
|
— |
|
|
|
73 |
|
Total Commercial and multi-family real estate |
|
$ |
285,939 |
|
|
|
122,817 |
|
|
|
334,968 |
|
|
|
347,484 |
|
|
|
130,931 |
|
|
|
260,316 |
|
|
|
61,885 |
|
|
|
1,544,340 |
|
Commercial and multi-family real estate: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Construction, land development and farmland: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
283,747 |
|
|
|
199,987 |
|
|
|
153,429 |
|
|
|
58,913 |
|
|
|
13,992 |
|
|
|
12,486 |
|
|
|
215,394 |
|
|
|
937,948 |
|
Special mention |
|
|
27 |
|
|
|
256 |
|
|
|
135 |
|
|
|
120 |
|
|
|
— |
|
|
|
45 |
|
|
|
2,533 |
|
|
|
3,116 |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
129 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
129 |
|
Total Construction, land development and farmland |
|
$ |
283,774 |
|
|
|
200,243 |
|
|
|
153,693 |
|
|
|
59,033 |
|
|
|
13,992 |
|
|
|
12,531 |
|
|
|
217,927 |
|
|
|
941,193 |
|
Construction, land development and farmland: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Commercial, industrial and agricultural: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
26,697 |
|
|
|
12,781 |
|
|
|
29,634 |
|
|
|
4,071 |
|
|
|
9,610 |
|
|
|
22,762 |
|
|
|
38,586 |
|
|
|
144,141 |
|
Special mention |
|
|
147 |
|
|
|
131 |
|
|
|
73 |
|
|
|
10 |
|
|
|
— |
|
|
|
— |
|
|
|
106 |
|
|
|
467 |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
11 |
|
|
|
— |
|
|
|
— |
|
|
|
11 |
|
Total Commercial, industrial and agricultural |
|
$ |
26,844 |
|
|
|
12,912 |
|
|
|
29,707 |
|
|
|
4,081 |
|
|
|
9,621 |
|
|
|
22,762 |
|
|
|
38,692 |
|
|
|
144,619 |
|
Commercial, industrial and agricultural: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
— |
|
|
|
— |
|
|
|
30 |
|
|
|
4 |
|
|
|
— |
|
|
|
— |
|
|
|
8 |
|
|
|
42 |
|
1-4 family equity lines of credit: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
231,480 |
|
|
|
231,480 |
|
Special mention |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
2,754 |
|
|
|
2,754 |
|
Substandard |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
1,006 |
|
|
|
1,006 |
|
Total 1-4 family equity lines of credit |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
235,240 |
|
|
|
235,240 |
|
1-4 family equity lines of credit: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Consumer and other: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
28,133 |
|
|
|
16,632 |
|
|
|
7,509 |
|
|
|
2,525 |
|
|
|
12,316 |
|
|
|
9,204 |
|
|
|
29,604 |
|
|
|
105,923 |
|
Special mention |
|
|
3 |
|
|
|
62 |
|
|
|
104 |
|
|
|
27 |
|
|
|
29 |
|
|
|
14 |
|
|
|
1 |
|
|
|
240 |
|
Substandard |
|
|
6 |
|
|
|
21 |
|
|
|
37 |
|
|
|
8 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
72 |
|
Total Consumer and other |
|
$ |
28,142 |
|
|
|
16,715 |
|
|
|
7,650 |
|
|
|
2,560 |
|
|
|
12,345 |
|
|
|
9,218 |
|
|
|
29,605 |
|
|
|
106,235 |
|
Consumer and other: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current-period gross charge-offs |
|
$ |
24 |
|
|
|
147 |
|
|
|
141 |
|
|
|
10 |
|
|
|
— |
|
|
|
— |
|
|
|
634 |
|
|
|
956 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
In Thousands |
|
|
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
2021 |
|
|
2020 |
|
|
Prior |
|
|
Revolving Loans |
|
|
Total |
|
December 31, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
906,167 |
|
|
|
485,338 |
|
|
|
780,868 |
|
|
|
633,526 |
|
|
|
242,419 |
|
|
|
419,380 |
|
|
|
589,890 |
|
|
|
4,057,588 |
|
Special mention |
|
|
1,127 |
|
|
|
5,881 |
|
|
|
25,147 |
|
|
|
353 |
|
|
|
734 |
|
|
|
6,862 |
|
|
|
5,795 |
|
|
|
45,899 |
|
Substandard |
|
|
6 |
|
|
|
21 |
|
|
|
166 |
|
|
|
384 |
|
|
|
11 |
|
|
|
438 |
|
|
|
1,080 |
|
|
|
2,106 |
|
Total |
|
$ |
907,300 |
|
|
|
491,240 |
|
|
|
806,181 |
|
|
|
634,263 |
|
|
|
243,164 |
|
|
|
426,680 |
|
|
|
596,765 |
|
|
|
4,105,593 |
|
|