LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
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12 Months Ended |
Dec. 31, 2025 |
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| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
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| Summary of outstanding loan balances by loan class prior to allocation of net deferred fees and costs |
| | | | | | | (Dollars in thousands) | | December 31, | | December 31, | | | 2025 | | 2024 | Real Estate | | $ | 853,668 | | $ | 850,656 | Agricultural | | | 984 | | | 936 | Commercial and Industrial | | | 66,924 | | | 66,706 | Consumer | | | 4,953 | | | 6,390 | State and Political Subdivisions | | | 20,132 | | | 22,138 | Subtotal: Total Loans | | | 946,661 | | | 946,826 | Net Deferred Fees and Costs | | | 624 | | | 888 | Subtotal: Total Loans Held for Investment | | | 947,285 | | | 947,714 | Loans Held for Sale | | | 1,140 | | | 737 | Allowance for Credit Losses | | | (9,412) | | | (7,672) | Net Loans | | $ | 939,013 | | $ | 940,779 |
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| Schedule of classes of the loan portfolio summarized by risk rating |
| | | | | | | | | | | | | | | December 31, 2025: | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 105,385 | | 98,017 | | 100,585 | | 143,520 | | 105,700 | | 272,003 | $ | 825,210 | 7 Special Mention | | 863 | | 93 | | 1,995 | | 282 | | 804 | | — | | 4,037 | 8 Substandard | | 80 | | — | | — | | 3,389 | | 1,260 | | 19,692 | | 24,421 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Real Estate Loans | $ | 106,328 | $ | 98,110 | $ | 102,580 | $ | 147,191 | $ | 107,764 | $ | 291,695 | $ | 853,668 | | | | | | | | | | | | | | | | Agricultural: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 24 | | 168 | | 151 | | 24 | | — | | 617 | $ | 984 | 7 Special Mention | | — | | — | | — | | — | | — | | — | | — | 8 Substandard | | — | | — | | — | | — | | — | | — | | — | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Agricultural Loans | $ | 24 | $ | 168 | $ | 151 | $ | 24 | $ | — | $ | 617 | $ | 984 | | | | | | | | | | | | | | | | Commercial and Industrial: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 14,374 | | 6,297 | | 15,040 | | 4,414 | | 3,303 | | 23,186 | $ | 66,614 | 7 Special Mention | | — | | 300 | | — | | — | | — | | — | | 300 | 8 Substandard | | — | | — | | 10 | | — | | — | | — | | 10 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Commercial and
Industrial Loans | $ | 14,374 | $ | 6,597 | $ | 15,050 | $ | 4,414 | $ | 3,303 | $ | 23,186 | $ | 66,924 | | | | | | | | | | | | | | | | Consumer: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 1,593 | | 1,310 | | 657 | | 337 | | 340 | | 693 | $ | 4,930 | 7 Special Mention | | — | | — | | — | | — | | — | | 13 | | 13 | 8 Substandard | | — | | — | | — | | — | | — | | 10 | | 10 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Consumer Loans | $ | 1,593 | $ | 1,310 | $ | 657 | $ | 337 | $ | 340 | $ | 716 | $ | 4,953 | | | | | | | | | | | | | | | | State and Political Subdivisions: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 861 | | — | | 1,139 | | 1,374 | | 12,528 | | 4,230 | $ | 20,132 | 7 Special Mention | | — | | — | | — | | — | | — | | — | | — | 8 Substandard | | — | | — | | — | | — | | — | | — | | — | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total State and Political Subdivision Loans | $ | 861 | $ | — | $ | 1,139 | $ | 1,374 | $ | 12,528 | $ | 4,230 | $ | 20,132 | | | | | | | | | | | | | | | | Total Loans: | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | 1-6 Pass | $ | 122,237 | | 105,792 | | 117,572 | | 149,669 | | 121,871 | | 300,729 | $ | 917,870 | 7 Special Mention | | 863 | | 393 | | 1,995 | | 282 | | 804 | | 13 | | 4,350 | 8 Substandard | | 80 | | — | | 10 | | 3,389 | | 1,260 | | 19,702 | | 24,441 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Loans | $ | 123,180 | $ | 106,185 | $ | 119,577 | $ | 153,340 | $ | 123,935 | $ | 320,444 | $ | 946,661 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Total | Gross Charge Offs: | | | | | | | | | | | | | | | Real Estate | $ | — | | — | | 10 | | 2,000 | | — | | 7 | $ | 2,017 | Agricultural | | — | | — | | — | | — | | — | | — | | — | Commercial and Industrial | | — | | — | | 442 | | 500 | | — | | — | | 942 | Consumer | | 1 | | 8 | | 7 | | 3 | | 2 | | 14 | | 35 | State and Political Subdivisions | | — | | — | | — | | — | | — | | — | | — | Total Gross Charge Offs | $ | 1 | $ | 8 | $ | 459 | $ | 2,503 | $ | 2 | $ | 21 | $ | 2,994 | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | As of December 31, 2024: | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate: | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 | | Prior | | Total | 1-6 Pass | $ | 103,734 | | 114,225 | | 167,282 | | 119,406 | | 101,748 | | 216,890 | $ | 823,285 | 7 Special Mention | | — | | — | | 76 | | 225 | | — | | 1,239 | | 1,540 | 8 Substandard | | — | | — | | 4,529 | | 568 | | 4,093 | | 16,641 | | 25,831 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Real Estate Loans | $ | 103,734 | $ | 114,225 | $ | 171,887 | $ | 120,199 | $ | 105,841 | $ | 234,770 | $ | 850,656 | | | | | | | | | | | | | | | | Agricultural: | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 | | Prior | | Total | 1-6 Pass | $ | 59 | | 223 | | 43 | | — | | — | | 611 | $ | 936 | 7 Special Mention | | — | | — | | — | | — | | — | | — | | — | 8 Substandard | | — | | — | | — | | — | | — | | — | | — | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Agricultural Loans | $ | 59 | $ | 223 | $ | 43 | $ | — | $ | — | $ | 611 | $ | 936 | | | | | | | | | | | | | | | | Commercial and Industrial: | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 | | Prior | | Total | 1-6 Pass | $ | 8,481 | | 16,252 | | 8,888 | | 4,544 | | 3,086 | | 24,998 | $ | 66,249 | 7 Special Mention | | — | | — | | — | | — | | — | | — | | — | 8 Substandard | | — | | 420 | | — | | — | | 12 | | 25 | | 457 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Commercial and
Industrial Loans | $ | 8,481 | $ | 16,672 | $ | 8,888 | $ | 4,544 | $ | 3,098 | $ | 25,023 | $ | 66,706 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer: | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 | | Prior | | Total | 1-6 Pass | $ | 2,962 | | 1,292 | | 718 | | 577 | | 71 | | 764 | $ | 6,384 | 7 Special Mention | | — | | — | | — | | — | | — | | — | | — | 8 Substandard | | — | | — | | — | | — | | — | | 6 | | 6 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Consumer Loans | $ | 2,962 | $ | 1,292 | $ | 718 | $ | 577 | $ | 71 | $ | 770 | $ | 6,390 | | | | | | | | | | | | | | | | State and Political Subdivisions: | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 | | Prior | | Total | 1-6 Pass | $ | — | | 1,232 | | 2,739 | | 13,338 | | — | | 4,829 | $ | 22,138 | 7 Special Mention | | — | | — | | — | | — | | — | | — | | — | 8 Substandard | | — | | — | | — | | — | | — | | — | | — | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total State and Political Subdivision Loans | $ | — | $ | 1,232 | $ | 2,739 | $ | 13,338 | $ | — | $ | 4,829 | $ | 22,138 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Total Loans: | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 | | Prior | | Total | 1-6 Pass | $ | 115,236 | $ | 133,224 | $ | 179,670 | $ | 137,865 | $ | 104,905 | $ | 248,092 | $ | 918,992 | 7 Special Mention | | — | | — | | 76 | | 225 | | — | | 1,239 | | 1,540 | 8 Substandard | | — | | 420 | | 4,529 | | 568 | | 4,105 | | 16,672 | | 26,294 | 9 Doubtful | | — | | — | | — | | — | | — | | — | | — | Total Loans | $ | 115,236 | $ | 133,644 | $ | 184,275 | $ | 138,658 | $ | 109,010 | $ | 266,003 | $ | 946,826 | | | | | | | | | | | | | | | | | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 | | Prior | | Total | Gross Charge Offs: | | | | | | | | | | | | | | | Real Estate | $ | — | | — | | — | | — | | — | | 345 | $ | 345 | Agricultural | | — | | — | | — | | — | | — | | — | | — | Commercial and Industrial | | — | | — | | — | | 20 | | — | | 504 | | 524 | Consumer | | — | | 15 | | 29 | | 11 | | 8 | | 6 | | 69 | State and Political Subdivisions | | — | | — | | — | | — | | — | | — | | — | Total Gross Charge Offs | $ | — | $ | 15 | $ | 29 | $ | 31 | $ | 8 | $ | 855 | $ | 938 | | | | | | | | | | | | | | | |
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| Schedule of loans individually or collectively evaluated for their impairment and related allowance, by loan class |
| | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | State and | | | | | Real | | | | Commercial | | | | Political | | | | | Estate | | Agricultural | | and Industrial | | Consumer | | Subdivisions | | Total | As of and for the year ended December 31, 2025: | | | | | | | | | | | | | | | | | Allowance for Credit Losses: | | | | | | | | | | | | | | | | | | Beginning balance January 1, 2025 | $ | 7,215 | | $ | 2 | | $ | 313 | | $ | 98 | | $ | 44 | | $ | 7,672 | Charge-offs | | (2,017) | | | — | | | (942) | | | (35) | | | — | | | (2,994) | Recoveries | | 1 | | | — | | | 29 | | | 3 | | | — | | | 33 | Provision for Credit Losses | | 3,637 | | | — | | | 1,052 | | | 8 | | | 4 | | | 4,701 | Ending Balance | $ | 8,836 | | $ | 2 | | $ | 452 | | $ | 74 | | $ | 48 | | $ | 9,412 | Ending balance: individually | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 973 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 973 | Ending balance: collectively | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 7,863 | | $ | 2 | | $ | 452 | | $ | 74 | | $ | 48 | | $ | 8,439 | | | | | | | | | | | | | | | | | | | Reserve for Unfunded Lending Commitments | $ | 54 | | $ | — | | $ | 24 | | $ | — | | $ | 12 | | $ | 90 | | | | | | | | | | | | | | | | | | | Loans Held for Investment: | | | | | | | | | | | | | | | | | | Ending Balance | $ | 853,668 | | $ | 984 | | $ | 66,924 | | $ | 4,953 | | $ | 20,132 | | $ | 946,661 | Ending balance: individually | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 16,763 | | $ | 279 | | $ | 10 | | $ | — | | $ | — | | $ | 17,052 | Ending balance: collectively | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 836,905 | | $ | 705 | | $ | 66,914 | | $ | 4,953 | | $ | 20,132 | | $ | 929,609 |
| | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | State and | | | | | Real | | | | Commercial | | | | Political | | | | | Estate | | Agricultural | | and Industrial | | Consumer | | Subdivisions | | Total | As of and for the year ended December 31, 2024: | | | | | | | | | | | | | | | | | Allowance for Credit Losses: | | | | | | | | | | | | | | | | | | Beginning balance January 1, 2024 | | 6,539 | | | 1 | | | 265 | | | 78 | | | 42 | | | 6,925 | Charge-offs | | (345) | | | — | | | (524) | | | (69) | | | — | | | (938) | Recoveries | | 21 | | | — | | | 19 | | | 5 | | | — | | | 45 | Provision for Credit Losses | | 1,000 | | | 1 | | | 553 | | | 84 | | | 2 | | | 1,640 | Ending Balance | $ | 7,215 | | $ | 2 | | $ | 313 | | $ | 98 | | $ | 44 | | $ | 7,672 | Ending balance: individually | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | Ending balance: collectively | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 7,215 | | $ | 2 | | $ | 313 | | $ | 98 | | $ | 44 | | $ | 7,672 | | | | | | | | | | | | | | | | | | | Reserve for Unfunded Lending Commitments | $ | 85 | | $ | — | | $ | 17 | | $ | — | | $ | — | | $ | 102 | | | | | | | | | | | | | | | | | | | Loans Held for Investment: | | | | | | | | | | | | | | | | | | Ending Balance | $ | 850,656 | | $ | 936 | | $ | 66,706 | | $ | 6,390 | | $ | 22,138 | | $ | 946,826 | Ending balance: individually | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 4,214 | | $ | 309 | | $ | — | | $ | — | | $ | — | | $ | 4,523 | Ending balance: collectively | | | | | | | | | | | | | | | | | | evaluated for impairment | $ | 846,442 | | $ | 627 | | $ | 66,706 | | $ | 6,390 | | $ | 22,138 | | $ | 942,303 |
| | | | | | | (Dollars in thousands) | | | | | | | 2025 | | 2024 | Balance at January 1 | | $ | 102 | | $ | 166 | (Release of) provision for credit losses on unfunded commitments | | | (12) | | | (64) | Balance at December 31 | | $ | 90 | | $ | 102 |
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| Schedule of the outstanding recorded investment of TDRs |
| | | | | | | (Dollars in thousands) | | | | | | | | December 31, 2025 | Modifications of Loans to Borrowers Experiencing Financial Difficulty: | | | | | | Recorded Investment | | Number of | | Recorded | | % of Loan | | Contracts | | Investment | | Segment | Real Estate: | | | | | | | Non-Accrual | 1 | | $ | 9,703 | | 1.14% | Accruing | 4 | | | 2,951 | | 0.35% | Subtotal - Real Estate: | 5 | | | 12,654 | | 1.48% | | | | | | | | Commercial and Industrial: | | | | | | | Non-Accrual | — | | $ | — | | 0.00% | Accruing | 1 | | | 7 | | 0.01% | Subtotal - Commercial and Industrial: | 1 | | | 7 | | 0.01% | | | | | | | | Total | 6 | | $ | 12,661 | | 1.34% | | | | | | | | (Dollars in thousands) | | | | | | | | December 31, 2024 | Modifications of Loans to Borrowers Experiencing Financial Difficulty: | | | | | | Recorded Investment | | Number of | | Recorded | | % of Loan | | Contracts | | Investment | | Segment | Real Estate: | | | | | | | Non-Accrual | — | | $ | — | | 0.00% | Accruing | 3 | | | 10,019 | | 1.18% | Subtotal - Real Estate: | 3 | | | 10,019 | | 1.18% | | | | | | | | Commercial and Industrial: | | | | | | | Non-Accrual | — | | $ | — | | 0.00% | Accruing | 1 | | | 174 | | 0.26% | Subtotal - Commercial and Industrial: | 1 | | | 174 | | 0.26% | | | | | | | | Total | 4 | | $ | 10,193 | | 1.08% |
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| Schedule of the loan modifications categorized as TDRs |
| | | | | | | | | | | | (Dollars in thousands) | | For the Year Ended December 31, 2025 | | | | | Pre-Modification | | Post-Modification | | | | | | | | Outstanding | | Outstanding | | | | | | Number of | | Recorded | | Recorded | | Recorded | | | Contracts | | Investment | | Investment | | Investment | Real Estate | | 5 | | $ | 12,350 | | $ | 12,664 | | $ | 12,654 | Commercial & Industrial | | 1 | | | 7 | | | 7 | | | 7 | Total | | 6 | | $ | 12,357 | | $ | 12,671 | | $ | 12,661 |
| | | | | | | | | | | | (Dollars in thousands) | | For the Year Ended December 31, 2024 | | | | | Pre-Modification | | Post-Modification | | | | | | | | Outstanding | | Outstanding | | | | | | Number of | | Recorded | | Recorded | | Recorded | | | Contracts | | Investment | | Investment | | Investment | Real Estate | | 3 | | $ | 10,009 | | $ | 10,009 | | $ | 10,019 | Commercial & Industrial | | 1 | | | 174 | | | 174 | | | 174 | Total | | 4 | | $ | 10,183 | | $ | 10,183 | | $ | 10,193 | | | | | | | | | | | | |
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| Schedule of loan modifications made for loans categorized as TDRs |
| | | | | | | | | | | | | | | | | | | | | | | | For the Year Ended December 31, 2025 | | | Rate | | Term | | Payment | | | | Number | | | Modification | | Modification | | Modification | | Other | | Modified | Real Estate | | — | | — | | 4 | | 1 | | 5 | Commercial & Industrial | | — | | — | | 1 | | — | | 1 | Total | | — | | — | | 5 | | 1 | | 6 |
| | | | | | | | | | | | | For the Year Ended December 31, 2024 | | | Rate | | Term | | Payment | | | | Number | | | Modification | | Modification | | Modification | | Other | | Modified | Real Estate | | — | | — | | 3 | | — | | 3 | Commercial & Industrial | | — | | — | | 1 | | — | | 1 | Total | | — | | — | | 4 | | — | | 4 | | | | | | | | | | | | | | | | | | | | | | |
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| Schedule of average recorded investment, unpaid principal balance, and the related allowance of the company's non-accrual loans |
| | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | December 31, 2025 | | | Recorded | | Recorded | | | | | Unpaid | | Unpaid | | | | | | | | | Investment | | Investment | | | | | Principal | | Principal | | Total | | | | | | | With | | With No | | Total | | | Balance With | | Balance With | | Unpaid | | | | | | | Related | | Related | | Recorded | | | Related | | No Related | | Principal | | | Related | | | Allowance | | Allowance | | Investment | | | Allowance | | Allowance | | Balance | | | Allowance | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate | | $ | 9,703 | | $ | 7,060 | | $ | 16,763 | | | $ | 9,703 | | $ | 11,049 | | $ | 20,752 | | | $ | 973 | Commercial & Industrial | | | — | | | 10 | | | 10 | | | | — | | | 25 | | | 25 | | | | — | Total | | $ | 9,703 | | $ | 7,070 | | $ | 16,773 | | | $ | 9,703 | | $ | 11,074 | | $ | 20,777 | | | $ | 973 |
| | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | December 31, 2024 | | | Recorded | | Recorded | | | | | Unpaid | | Unpaid | | | | | | | | | Investment | | Investment | | | | | Principal | | Principal | | Total | | | | | | | With | | With No | | Total | | | Balance With | | Balance With | | Unpaid | | | | | | | Related | | Related | | Recorded | | | Related | | No Related | | Principal | | | Related | | | Allowance | | Allowance | | Investment | | | Allowance | | Allowance | | Balance | | | Allowance | | | | | | | | | | | | | | | | | | | | | | | | | Real Estate | | $ | — | | $ | 4,214 | | $ | 4,214 | | | $ | — | | $ | 6,203 | | $ | 6,203 | | | $ | — | Total | | $ | — | | $ | 4,214 | | $ | 4,214 | | | $ | — | | $ | 6,203 | | $ | 6,203 | | | $ | — |
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| Schedule of financial receivables that are collateral-dependent loans |
| | | | | | | (Dollars in thousands) | | | | | | | December 31, 2025 | Loan Segment/Collateral Type | Real Estate | | Other | Real Estate: | | | | | | | 1-4 Family Real Estate | | $ | 328 | | $ | — | Multifamily Real Estate | | | 1,603 | | | — | Non-owner Occupied, Non-Farm, Non-Residential Real Estate | | | 3,884 | | | — | Owner Occupied, Non-Farm, Non-Residential Real Estate | | | 10,948 | | | — | Subtotal - Real Estate: | | | 16,763 | | | — | | | | | | | | Commercial & Industrial | | | | | | | Commercial Motor Vehicle | | $ | — | | $ | 10 | Subtotal - Commercial & Industrial: | | | — | | | 10 | | | | | | | | Agricultural: | | | | | | | Stock | | $ | — | | $ | 279 | Subtotal - Agricultural: | | | — | | | 279 | | | | | | | | Total | | $ | 16,763 | | $ | 289 | | | | | | | | (Dollars in thousands) | | | | | | | December 31, 2024 | Loan Segment/Collateral Type | Real Estate | | Other | Real Estate: | | | | | | | 1-4 Family Real Estate | | $ | 247 | | $ | — | Multifamily Real Estate | | | 3,044 | | | — | Owner Occupied, Non-Farm, Non-Residential Real Estate | | | 923 | | | — | Subtotal - Real Estate: | | | 4,214 | | | — | | | | | | | | Agricultural: | | | | | | | Stock | | $ | — | | $ | 309 | Subtotal - Agricultural: | | | — | | | 309 | | | | | | | | Total | | $ | 4,214 | | $ | 309 |
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| Schedule of total non-performing assets |
| | | | | | | (Dollars in thousands) | | December 31, | | December 31, | | | 2025 | | 2024 | Real Estate | | $ | 16,763 | | $ | 4,214 | Agricultural | | | — | | | — | Commercial and Industrial | | | 10 | | | — | Consumer | | | — | | | — | State and Political Subdivisions | | | — | | | — | Total non-accrual loans | | | 16,773 | | | 4,214 | Foreclosed assets held for resale | | | — | | | — | Loans past-due 90 days or more and still accruing interest | | | 146 | | | 756 | Total non-performing assets | | $ | 16,919 | | $ | 4,970 |
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| Schedule of the classes of the loan portfolio, including non-accrual loans and TDRs, summarized by past-due status |
| | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | | | | | | | | | | | 90 Days | | | | | | | | | | | | | | | | | | | | | Or Greater | | | | | | | | | | | | | | | | | | | | | Past Due | | | | | | | | | 90 Days | | | | | | Current- | | | | | and Still | | | 30-59 Days | | 60-89 Days | | or Greater | | Total | | | 29 Days | | Total | | Accruing | | | Past Due | | Past Due | | Past Due | | Past Due | | Past Due | | Loans | | Interest | December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | Real Estate | | $ | 3,193 | | $ | 2,246 | | $ | 6,684 | | $ | 12,123 | | $ | 841,545 | | $ | 853,668 | | $ | 146 | Agricultural | | | — | | | — | | | — | | | — | | | 984 | | | 984 | | | — | Commercial and Industrial | | | 333 | | | 24 | | | 10 | | | 367 | | | 66,557 | | | 66,924 | | | — | Consumer | | | 126 | | | — | | | — | | | 126 | | | 4,827 | | | 4,953 | | | — | State and Political Subdivisions | | | — | | | — | | | — | | | — | | | 20,132 | | | 20,132 | | | — | Total | | $ | 3,652 | | $ | 2,270 | | $ | 6,694 | | $ | 12,616 | | $ | 934,045 | | $ | 946,661 | | $ | 146 |
| | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | | | | | | | | | | | 90 Days | | | | | | | | | | | | | | | | | | | | | Or Greater | | | | | | | | | | | | | | | | | | | | | Past Due | | | | | | | | | 90 Days | | | | | | Current- | | | | | and Still | | | 30-59 Days | | 60-89 Days | | or Greater | | Total | | | 29 Days | | Total | | Accruing | | | Past Due | | Past Due | | Past Due | | Past Due | | Past Due | | Loans | | Interest | December 31, 2024: | | | | | | | | | | | | | | | | | | | | | | Real Estate | | $ | 4,247 | | $ | 221 | | $ | 4,970 | | $ | 9,438 | | $ | 841,218 | | $ | 850,656 | | $ | 756 | Agricultural | | | — | | | — | | | — | | | — | | | 936 | | | 936 | | | — | Commercial and Industrial | | | 378 | | | — | | | — | | | 378 | | | 66,328 | | | 66,706 | | | — | Consumer | | | 11 | | | 2 | | | — | | | 13 | | | 6,377 | | | 6,390 | | | — | State and Political Subdivisions | | | — | | | — | | | — | | | — | | | 22,138 | | | 22,138 | | | — | Total | | $ | 4,636 | | $ | 223 | | $ | 4,970 | | $ | 9,829 | | $ | 936,997 | | $ | 946,826 | | $ | 756 |
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