Loans (Tables)
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12 Months Ended |
Dec. 31, 2025 |
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| Receivables [Abstract] |
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| Schedule of Composition of Loan Portfolio |
The following table shows the composition of the Company's loan portfolio as of December 31, 2025 and 2024: | | | | | | | | | | | | | | | | | December 31, 2025 | December 31, 2024 | | Commercial | | | | | | Real Estate Owner Occupied | $ | 378,263,000 | | 15.8 | % | $ | 358,588,000 | | 15.3 | % | | Real Estate Non-Owner Occupied | 409,177,000 | | 17.1 | % | 403,899,000 | | 17.3 | % | | Construction | 35,025,000 | | 1.5 | % | 99,717,000 | | 4.3 | % | | C&I | 376,907,000 | | 15.7 | % | 365,817,000 | | 15.6 | % | | Multifamily | 158,910,000 | | 6.6 | % | 108,732,000 | | 4.6 | % | | Agriculture | 48,145,000 | | 2.0 | % | 52,219,000 | | 2.2 | % | | Municipal | 52,074,000 | | 2.2 | % | 61,827,000 | | 2.6 | % | | Residential | | | | | | Term | 739,188,000 | | 30.9 | % | 710,807,000 | | 30.4 | % | | Construction | 35,332,000 | | 1.5 | % | 35,481,000 | | 1.5 | % | | Home Equity | | | | | | Revolving and Term | 142,219,000 | | 5.9 | % | 123,063,000 | | 5.3 | % | | Consumer | 18,869,000 | | 0.8 | % | 20,790,000 | | 0.9 | % | | Total loans | $ | 2,394,109,000 | | 100.0 | % | $ | 2,340,940,000 | | 100.0 | % |
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| Schedule of Loans to Directors, Officers and Employees which exceed $60,000 |
A summary of loans to directors and executive officers is as follows: | | | | | | | | | | | | | For the years ended December 31, | 2025 | | 2024 | | Balance at beginning of year | $ | 32,182,000 | | | $ | 33,524,000 | | | New loans | 4,265,000 | | | 3,462,000 | | | Repayments | (7,905,000) | | | (4,804,000) | | | Retired Executive Officer | (244,000) | | | — | | | Balance at end of year | $ | 28,298,000 | | | $ | 32,182,000 | |
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| Schedule of Past Due Loans Aging |
Information on the past-due status of loans by class of financing receivable as of December 31, 2025, is presented in the following table: | | | | | | | | | | | | | | | | | | | | | | | | | 30-59 Days
Past Due | 60-89 Days
Past Due | 90+ Days
Past Due | All
Past Due | Current | Total | 90+ Days
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Accruing | | Commercial | | | | | | | | | Real Estate Owner Occupied | $ | 683,000 | | $ | 734,000 | | $ | 3,698,000 | | $ | 5,115,000 | | $ | 373,148,000 | | $ | 378,263,000 | | $ | — | | | Real Estate Non-Owner Occupied | 734,000 | | — | | 1,285,000 | | 2,019,000 | | 407,158,000 | | 409,177,000 | | — | | | Construction | 103,000 | | — | | 7,000 | | 110,000 | | 34,915,000 | | 35,025,000 | | 7,000 | | | C&I | 404,000 | | 102,000 | | 1,240,000 | | 1,746,000 | | 375,161,000 | | 376,907,000 | | 21,000 | | | Multifamily | 1,600,000 | | 160,000 | | — | | 1,760,000 | | 157,150,000 | | 158,910,000 | | — | | | Agriculture | 316,000 | | — | | 377,000 | | 693,000 | | 47,452,000 | | 48,145,000 | | — | | | Municipal | — | | — | | — | | — | | 52,074,000 | | 52,074,000 | | — | | | Residential | | | | | | | | | Term | 1,268,000 | | 2,901,000 | | 3,222,000 | | 7,391,000 | | 731,797,000 | | 739,188,000 | | 613,000 | | | Construction | 90,000 | | — | | — | | 90,000 | | 35,242,000 | | 35,332,000 | | — | | | Home Equity | | | | | | | | | Revolving and Term | 1,449,000 | | 391,000 | | 534,000 | | 2,374,000 | | 139,845,000 | | 142,219,000 | | — | | | Consumer | 152,000 | | 118,000 | | 39,000 | | 309,000 | | 18,560,000 | | 18,869,000 | | 24,000 | | | Total | $ | 6,799,000 | | $ | 4,406,000 | | $ | 10,402,000 | | $ | 21,607,000 | | $ | 2,372,502,000 | | $ | 2,394,109,000 | | $ | 665,000 | |
Information on the past-due status of loans by class of financing receivable as of December 31, 2024, is presented in the following table: | | | | | | | | | | | | | | | | | | | | | | | | | | 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due | All Past Due | Current | Total | 90+ Days & Accruing | | Commercial | | | | | | | | | Real Estate Owner Occupied | $ | — | | $ | 257,000 | | $ | 292,000 | | $ | 549,000 | | $ | 358,039,000 | | $ | 358,588,000 | | $ | — | | | Real Estate Non-Owner Occupied | — | | — | | — | | — | | 403,899,000 | | 403,899,000 | | — | | | Construction | — | | — | | — | | — | | 99,717,000 | | 99,717,000 | | — | | | C&I | 346,000 | | 1,112,000 | | 540,000 | | 1,998,000 | | 363,819,000 | | 365,817,000 | | 10,000 | | | Multifamily | — | | — | | — | | — | | 108,732,000 | | 108,732,000 | | — | | | Agriculture | 115,000 | | — | | — | | 115,000 | | 52,104,000 | | 52,219,000 | | — | | | Municipal | — | | — | | — | | — | | 61,827,000 | | 61,827,000 | | — | | | Residential | | | | | | | | | Term | 137,000 | | 2,614,000 | | 935,000 | | 3,686,000 | | 707,121,000 | | 710,807,000 | | 778,000 | | | Construction | 390,000 | | — | | — | | 390,000 | | 35,091,000 | | 35,481,000 | | — | | | Home Equity | | | | | | | | | Revolving and Term | 1,074,000 | | 368,000 | | 94,000 | | 1,536,000 | | 121,527,000 | | 123,063,000 | | — | | | Consumer | 592,000 | | 285,000 | | 232,000 | | 1,109,000 | | 19,681,000 | | 20,790,000 | | 232,000 | | | Total | $ | 2,654,000 | | $ | 4,636,000 | | $ | 2,093,000 | | $ | 9,383,000 | | $ | 2,331,557,000 | | $ | 2,340,940,000 | | $ | 1,020,000 | |
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| Schedule of Nonaccrual Loans |
The following table presents the amortized costs basis of loans on nonaccrual status as of as of December 31, 2025 and 2024 is presented in the following table: | | | | | | | | | | | | | | | | | | | | | | As of December 31, | 2025 | 2024 | | Nonaccrual with Allowance for Credit Loss | Nonaccrual with no Allowance for Credit Loss | Total Nonaccrual | Nonaccrual with Allowance for Credit Loss | Nonaccrual with no Allowance for Credit Loss | Total Nonaccrual | | Commercial | | | | | | | | Real Estate Owner Occupied | $ | 1,131,000 | | $ | 2,896,000 | | $ | 4,027,000 | | $ | — | | $ | 553,000 | | $ | 553,000 | | | Real Estate Non-Owner Occupied | 1,285,000 | | 61,000 | | 1,346,000 | | — | | 61,000 | | 61,000 | | | Construction | — | | 8,000 | | 8,000 | | — | | 18,000 | | 18,000 | | | C&I | 1,297,000 | | 617,000 | | 1,914,000 | | 1,359,000 | | 336,000 | | 1,695,000 | | | Multifamily | — | | — | | — | | — | | — | | — | | | Agriculture | — | | 441,000 | | 441,000 | | — | | 31,000 | | 31,000 | | | Municipal | — | | — | | — | | — | | — | | — | | | Residential | | | | | | | | Term | 115,000 | | 4,078,000 | | 4,193,000 | | — | | 1,599,000 | | 1,599,000 | | | Construction | — | | — | | — | | — | | — | | — | | | Home Equity | | | | | | | | Revolving and Term | 242,000 | | 703,000 | | 945,000 | | — | | 291,000 | | 291,000 | | | Consumer | — | | 5,000 | | 5,000 | | — | | — | | — | | | Total | $ | 4,070,000 | | $ | 8,809,000 | | $ | 12,879,000 | | $ | 1,359,000 | | $ | 2,889,000 | | $ | 4,248,000 | |
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| Schedule of Collateral-Dependent Loans |
The following table presents the amortized cost basis of collateral-dependent loans as of December 31, 2025 and 2024, by collateral type: | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2025 | December 31, 2024 | | Collateral Type | | Collateral Type | | | Commercial Real Estate | Residential Real Estate | Other | Total | Commercial Real Estate | Residential Real Estate | Other | Total | | Commercial | | | | | | | | | | Real estate owner occupied | $ | 3,626,000 | | $ | — | | $ | — | | $ | 3,626,000 | | $ | 263,000 | | $ | — | | $ | — | | $ | 263,000 | | | Real estate non-owner occupied | 1,348,000 | — | — | 1,348,000 | 67,000 | — | — | 67,000 | | Construction | — | — | — | — | — | — | — | — | | C&I | — | — | 1,300,000 | 1,300,000 | — | — | 1,438,000 | 1,438,000 | | Multifamily | — | — | — | — | — | — | — | — | | Agriculture | — | — | — | — | — | — | — | — | | Municipal | — | — | — | — | — | — | — | — | | Residential | | | | | | | — | | | Term | — | 2,912,000 | — | 2,912,000 | — | 558,000 | — | 558,000 | | Construction | — | — | — | — | — | — | — | — | | Home Equity | | | | | | | — | | | Revolving and term | — | 361,000 | — | 361,000 | — | — | — | — | | Consumer | — | — | — | — | — | — | — | — | | Total | $ | 4,974,000 | | $ | 3,273,000 | | $ | 1,300,000 | | $ | 9,547,000 | | $ | 330,000 | | $ | 558,000 | | $ | 1,438,000 | | $ | 2,326,000 | |
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| Schedule of Troubled Debt Restructurings on Financing Receivables |
The following tables represent loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the year ended December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | Amortized Cost Basis | | Payment Deferral | Term Extension | Rate Mod | Combination Payment Deferral and Term Extension | Combination Payment Deferral and Rate Mod | Combination of Payment Deferral, Term & Rate Mod | % of Total Class of Financing Receivable | | Commercial | | | | | | | | | Real estate owner occupied | $ | 916,000 | | $ | 163,000 | | $ | — | | $ | 337,000 | | $ | — | | $ | — | | 0.37 | % | | Real estate non-owner occupied | 115,000 | | 251,000 | | — | | — | | 61,000 | | 1,285,000 | | 0.42 | % | | | | | | | | | | C&I | 718,000 | | 153,000 | | 362,000 | | 190,000 | | 463,000 | | — | | 0.50 | % | | Multifamily | 896,000 | | — | | 4,034,000 | | — | | — | | — | | 3.10 | % | | Agriculture | 1,951,000 | | — | | — | | — | | — | | — | | 4.05 | % | | | | | | | | | | Residential | | | | | | | | | Term | 54,000 | | — | | — | | 632,000 | | — | | 352,000 | | 0.14 | % | | | | | | | | | | Home Equity | | | | | | | | | Revolving and term | — | | — | | — | | 360,000 | | — | | — | | 0.25 | % | | | | | | | | | | Total | $ | 4,650,000 | | $ | 567,000 | | $ | 4,396,000 | | $ | 1,519,000 | | $ | 524,000 | | $ | 1,637,000 | | |
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the year ended December 31, 2025: | | | | | | | Payment Deferral | | Financial Effect | | Commercial | | | Real estate owner occupied | Temporary payment accommodation, payments deferred to end of loan; 5 yr balloon payment | | Real estate non-owner occupied | Temporary payment accommodation, payments deferred to end of loan | | | | C&I | Temporary payment accommodation, payments deferred to end of loan | | Multifamily | Temporary payment accommodation, payments deferred to end of loan | | Agriculture | Temporary payment accommodation, payments deferred to end of loan; payments deferred for 6 months | | Residential | | | Term | Temporary payment accommodation, payments deferred to end of loan |
| | | | | | | Term Extension | | Financial Effect | | Commercial | | | Real estate owner occupied | Temporary payment accommodation, extended term up to 6 months | | Real estate non-owner occupied | Extended term 60 months | | C&I | Temporary payment accommodation, extended term 6 months | | | | |
| | | | | | | Rate Modification | | Financial Effect | | Commercial | | | | | | | C&I | Rate reduction to 6.50% | | Multifamily | Rate reduction to 5.00% |
| | | | | | | Combination Payment Deferral & Term Extension | | Financial Effect | | Commercial | | | Real estate owner occupied | Temporary payment accommodation, payments deferred to end of loan | | C&I | Temporary payment accommodation, payments deferred to end of loan | | Residential | | | Term | Temporary payment accommodation, payments deferred to end of loan | | Home Equity | | | Revolving and term | Temporary payment accommodation, payments deferred to end of loan |
| | | | | | | Combination Payment Deferral & Rate Modification | | Financial Effect | | Commercial | | | Real estate owner occupied | Payments deferred for 6 months; rate reduction to 2.0% | | C&I | Payments deferred for 6 months; rate reduction to 2.0% | | | | | | | | |
| | | | | | | Combination Payment Deferral, Term & Rate Modification | | Financial Effect | | Commercial | | | | | Real estate non-owner occupied | Seasonal payments, 5 yr balloon; 60 month term, 120 month amort; WSJP 0.50% | | | | Residential | | | Term | Seasonal payments, 3 yr balloon; 36 month term, 300 month amort; fixed rate |
The following tables represent loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the year ended December 31, 2024: | | | | | | | | | | | | | | | | | | | | | | Amortized Cost Basis | | Payment Deferral | Term Extension | Interest Rate Reduction | Principal Forgiveness | Combination Payment Deferral and Term Extension | % of Total Class of Financing Receivable | | Commercial | | | | | | | | Real estate owner occupied | $ | 633,000 | | $ | — | | $ | — | | $ | — | | $ | — | | 0.18 | % | | | | | | | | | Construction | 69,000 | | — | | — | | — | | — | | 0.08 | % | | C&I | 169,000 | | 13,000 | | — | | — | | 54,000 | | 0.06 | % | | Multifamily | 1,932,000 | | — | | — | | — | | — | | 1.75 | % | | | | | | | | | | | | | | | | Residential | | | | | | | | Term | 1,019,000 | | 127,000 | | — | | — | | — | | 0.16 | % | | | | | | | | | Home Equity | | | | | | | | Revolving and term | — | | — | | — | | — | | 66,000 | | 0.06 | % | | | | | | | | | Total | $ | 3,822,000 | | $ | 140,000 | | $ | — | | $ | — | | $ | 120,000 | | |
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the year ended December 31, 2024: | | | | | | | Payment Deferral | | Financial Effect | | Commercial | | | Real estate owner occupied | Temporary payment accommodation, payments deferred to end of loan | | Construction | Temporary payment accommodation, payments deferred to end of loan | | C&I | Temporary payment accommodation, payments deferred to end of loan | | Multifamily | Temporary payment accommodation, payments deferred to end of loan | | Residential | | | Term | Temporary payment accommodation, payments deferred to end of loan |
| | | | | | | Term Extension | | Financial Effect | | Commercial | | | C&I | Extended term 12 months | | Residential | | | Term | Extended term 24 months |
| | | | | | | Payment Deferral & Term Extension | | Financial Effect | | Commercial | | | | | C&I | Temporary payment accommodation, payments deferred to end of loan; extended term 90 days | | Home Equity | | | Revolving and term | Temporary payment accommodation, payments deferred to end of loan; extended term 60 days |
The following tables depict the performance of loans that have been modified during the years ended December 31, 2025 and 2024: | | | | | | | | | | | | | | | | Payment Status (Amortized Cost Basis) | | As of December 31, 2025 | Current | 30-59 Days
Past Due | 60-89 Days
Past Due | 90+ Days
Past Due | | Commercial | | | | | | Real estate owner occupied | $ | 1,079,000 | | $ | — | | $ | — | | $ | 337,000 | | | Real estate non-owner occupied | 427,000 | | — | | — | | 1,285,000 | | | Construction | — | | — | | — | | — | | | C&I | 1,675,000 | | 30,000 | | — | | 181,000 | | | Multifamily | 4,930,000 | | — | | — | | — | | | Agriculture | 1,503,000 | | 237,000 | | — | | 211,000 | | | Residential | | | | | | Term | 482,000 | | — | | — | | 556,000 | | | Home Equity | | | | | | Revolving and term | — | | — | | | 360,000 | | | Consumer | — | | — | | — | | — | | | Total | $ | 10,096,000 | | $ | 267,000 | | $ | — | | $ | 2,930,000 | |
| | | | | | | | | | | | | | | | Payment Status (Amortized Cost Basis) | | As of December 31, 2024 | Current | 30-59 Days
Past Due | 60-89 Days
Past Due | 90+ Days
Past Due | | Commercial | | | | | | Real estate owner occupied | $ | 633,000 | | $ | — | | $ | — | | $ | — | | | Real Estate non-owner occupied | — | | — | | — | | — | | | Construction | 69,000 | | — | | — | | — | | | C&I | 236,000 | | — | | — | | — | | | Multifamily | 1,932,000 | | — | | — | | — | | | Agriculture | — | | — | | — | | — | | | Residential | | | | | | Term | 570,000 | | 127,000 | | 449,000 | | — | | | Home Equity | | | | | | Revolving and term | 66,000 | | — | | — | | — | | | Consumer | — | | — | | — | | — | | | Total | $ | 3,506,000 | | $ | 127,000 | | $ | 449,000 | | $ | — | |
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| Schedule of Financing Receivable, Modified, Subsequent Default |
The following tables depict the amortized cost basis of loans that had an event of payment default during the years ended December 31, 2025 and 2024 and were modified in the 12 months prior to that default: | | | | | | | | | | | | | Amortized Cost Basis | | As of December 31, 2025 | Payment Deferral | Combination Payment Deferral and Term Extension | Combination of Payment Deferral, Term & Rate Modification | | Commercial | | | | | Real estate owner occupied | $ | — | | $ | 338,000 | | $ | — | | | Real Estate non-owner occupied | — | | — | | 1,285,000 | | | | | | | C&I | 30,000 | | 181,000 | | — | | | | | | | Agriculture | 448,000 | | — | | — | | | Residential | | | | | Term | — | | 204,000 | | 352,000 | | | Home Equity | | | | | Revolving and term | — | | 359,000 | | — | | | | | | | Total | $ | 478,000 | | $ | 1,082,000 | | $ | 1,637,000 | |
| | | | | | | | | | | | | Amortized Cost Basis | | As of December 31, 2024 | Payment Deferral | Term Extension | Combination Payment Deferral and Term Extension | | Commercial | | | | | | | | | | | | | | | | | C&I | $ | 41,000 | | $ | 11,000 | | $ | 170,000 | | | | | | | | | | | Residential | | | | | Term | 449,000 | | 125,000 | | — | | | | | | | | | | | | | | | Total | $ | 490,000 | | $ | 136,000 | | $ | 170,000 | |
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