v3.26.1
Loans (Tables)
 3 Months Ended
Mar. 31, 2026
Receivables [Abstract]  
Schedule of classes of loans
Classes of loans are as follows:

 March 31, 2026December 31,
2025
 (Amounts In Thousands)
Agricultural$122,863 $118,924 
Commercial and financial294,009 295,618 
Real estate:
Construction, 1 to 4 family residential101,568 89,807 
Construction, land development and commercial259,006 248,292 
Mortgage, farmland273,485 276,790 
Mortgage, 1 to 4 family first liens1,255,829 1,261,877 
Mortgage, 1 to 4 family junior liens139,854 143,317 
Mortgage, multi-family495,392 494,282 
Mortgage, commercial567,272 565,177 
Loans to individuals27,308 28,763 
Obligations of state and political subdivisions41,854 41,885 
Gross Loans (ex net unamortized fees and costs)3,578,440 3,564,732 
Net unamortized fees and costs279 291 
Gross Loans3,578,719 3,565,023 
Less allowance for credit losses56,601 58,204 
Loans, net allowance for credit losses$3,522,118 $3,506,819 
Schedule of changes in allowance for loan losses
Changes in the allowance for credit losses (ACL) on loans for the three months ended March 31, 2026 and 2025 are as follows:
Three Months Ended March 31, 2026
December 31, 2025Charge-offsRecoveriesCredit loss expense (benefit)March 31, 2026
(Amounts In Thousands)
ACL on loans:
Agricultural$418 $(21)$17 $73 $487 
Commercial and financial11,890 (277)322 (1,073)10,862 
Real estate:
Construction, 1 to 4 family residential617 (152)15 281 761 
Construction, land development and commercial3,165 — — 320 3,485 
Mortgage, farmland2,478 (68)1 (481)1,930 
Mortgage, 1 to 4 family first liens20,959 (476)105 386 20,974 
Mortgage, 1 to 4 family junior liens5,639 (200)46 32 5,517 
Mortgage, multi-family2,345 — 133 (120)2,358 
Mortgage, commercial9,855 (101)5 (508)9,251 
Loans to individuals826 (171)123 186 964 
Obligations of state and political subdivisions12 — — — 12 
Total$58,204 $(1,466)$767 $(904)$56,601 
Three Months Ended March 31, 2025
December 31, 2024Charge-offsRecoveriesCredit loss expense (benefit)March 31, 2025
(Amounts In Thousands)
ACL on loans:
Agricultural$674 $(35)$106 $38 $783 
Commercial and financial10,217 (251)248 687 10,901 
Real estate:
Construction, 1 to 4 family residential280 (232)24 250 322 
Construction, land development and commercial2,113 (19)2 49 2,145 
Mortgage, farmland3,252 — 13 204 3,469 
Mortgage, 1 to 4 family first liens18,210 (328)73 684 18,639 
Mortgage, 1 to 4 family junior liens4,719 (57)89 (109)4,642 
Mortgage, multi-family2,828 (200)15 287 2,930 
Mortgage, commercial7,525 (237)9 840 8,137 
Loans to individuals1,109 (374)94 141 970 
Obligations of state and political subdivisions13 — — (1)12 
Total$50,940 $(1,733)$673 $3,070 $52,950 

 
The following tables present the amortized cost basis of collateral dependent loans, by the primary collateral type, which are individually evaluated to determine expected credit losses, and the related ACL allocated to these loans:

Primary Type of Collateral
Real EstateEquipmentTotalACL Allocation
(Amounts In Thousands)
March 31, 2026
Agricultural$1,877 $— $1,877 $85 
Commercial and financial4,148 — 4,148 — 
Real estate:
Construction, 1 to 4 family residential421 — 421 — 
Construction, land development and commercial1,601 — 1,601 — 
Mortgage, farmland5,229 — 5,229 21 
Mortgage, 1 to 4 family first liens11,211 — 11,211 — 
Mortgage, 1 to 4 family junior liens154 — 154 — 
Mortgage, multi-family1,970 — 1,970 — 
Mortgage, commercial4,149 — 4,149 83 
Loans to individuals— — — — 
$30,760 $— $30,760 $189 
Primary Type of Collateral
Real EstateEquipmentTotalACL Allocation
(Amounts In Thousands)
December 31, 2025
Agricultural$2,135 $135 $2,270 $— 
Commercial and financial3,810 — 3,810 — 
Real estate:
Construction, 1 to 4 family residential51 — 51 — 
Construction, land development and commercial3,294 — 3,294 — 
Mortgage, farmland3,125 — 3,125 — 
Mortgage, 1 to 4 family first liens10,900 — 10,900 — 
Mortgage, 1 to 4 family junior liens251 — 251 — 
Mortgage, multi-family3,765 — 3,765 — 
Mortgage, commercial3,799 — 3,799 — 
Loans to individuals175 — 175 175 
$31,305 $135 $31,440 $175 
Schedule of allowance for credit losses for off-balance sheet credit exposure
Changes in the allowance for credit losses (ACL) for off-balance sheet credit exposures for the three months ended March 31, 2026 and 2025 were as follows:
Three Months Ended March 31, 2026
December 31, 2025Credit loss (benefit) expense(Charge-offs), net recoveriesMarch 31, 2026
(Amounts In Thousands)
ACL for off-balance sheet credit exposures:
Agricultural$88 $360 $— $448 
Commercial and financial2,376 (617)— 1,759 
Real estate:
Construction, 1 to 4 family residential410 (103)— 307 
Construction, land development and commercial844 175 — 1,019 
Mortgage, farmland71 (24)— 47 
Mortgage, 1 to 4 family first liens122 (53)— 69 
Mortgage, 1 to 4 family junior liens435 68 — 503 
Mortgage, multi-family30 52 — 82 
Mortgage, commercial62 (36)— 26 
Loans to individuals56 (14)— 42 
Obligations of state and political subdivisions7 31 — 38 
Total$4,501 $(161)$— $4,340 
Three Months Ended March 31, 2025
December 31, 2024Credit loss (benefit) expense(Charge-offs), net recoveriesMarch 31, 2025
(Amounts In Thousands)
ACL for off-balance sheet credit exposures:
Agricultural$147 $1 $— $148 
Commercial and financial1,753 566 — 2,319 
Real estate:
Construction, 1 to 4 family residential179 (37)— 142 
Construction, land development and commercial307 22 — 329 
Mortgage, farmland13 29 — 42 
Mortgage, 1 to 4 family first liens120 111 — 231 
Mortgage, 1 to 4 family junior liens292 3 — 295 
Mortgage, multi-family1 23 — 24 
Mortgage, commercial45 78 — 123 
Loans to individuals43 4 — 47 
Obligations of state and political subdivisions— — — — 
Total$2,900 $800 $— $3,700 
Schedule of credit quality indicators by type of loans
The following tables present the credit quality indicators and origination years by type of loan in each category as of March 31, 2026 (amounts in thousands):
Agricultural
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$1,312 $200 $— $55 $149 $700 $6,855 $9,271 
Good2,223 1,859 1,203 1,278 520 1,416 15,752 24,251 
Satisfactory2,820 5,091 3,176 1,223 1,770 4,111 22,100 40,291 
Monitor2,260 2,354 1,922 2,361 1,432 937 17,970 29,236 
Special Mention254 2,371 2,531 891 852 1,362 6,831 15,092 
Substandard— 47 1,853 73 212 566 1,971 4,722 
Total$8,869 $11,922 $10,685 $5,881 $4,935 $9,092 $71,479 $122,863 
Current-period gross write offs$— $2 $— $7 $— $— $12 $21 
Commercial and Financial
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$43 $763 $361 $895 $66 $287 $4,952 $7,367 
Good1,043 2,744 4,821 10,952 6,974 6,030 43,421 75,985 
Satisfactory9,082 26,119 10,803 17,003 13,974 9,377 40,485 126,843 
Monitor1,961 11,347 4,800 7,834 7,672 4,488 26,480 64,582 
Special Mention1,523 895 1,851 2,022 1,305 899 3,334 11,829 
Substandard298 810 884 1,226 1,679 1,438 1,068 7,403 
Total$13,950 $42,678 $23,520 $39,932 $31,670 $22,519 $119,740 $294,009 
Current-period gross write offs$— $— $26 $133 $— $118 $— $277 
Real Estate: Construction, 1 to 4 Family Residential
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $— $— $— $— 
Good— 551 138 — — — 16,555 17,244 
Satisfactory57 773 185 — 155 — 43,986 45,156 
Monitor— 306 187 — — — 35,273 35,766 
Special Mention— — — — — 92 2,596 2,688 
Substandard— — — 52 — — 662 714 
Total$57 $1,630 $510 $52 $155 $92 $99,072 $101,568 
Current-period gross write offs$— $— $— $147 $— $— $5 $152 
Real Estate: Construction, Land Development and Commercial
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $— $253 $721 $974 
Good356 949 409 — 86 146 19,275 21,221 
Satisfactory4,479 10,869 2,269 3,872 4,381 4,612 52,745 83,227 
Monitor589 1,768 2,611 2,664 4,739 2,045 83,187 97,603 
Special Mention— 8,281 — 10,000 283 1,172 34,331 54,067 
Substandard— — — 410 93 1,411 — 1,914 
Total$5,424 $21,867 $5,289 $16,946 $9,582 $9,639 $190,259 $259,006 
Current-period gross write offs$— $— $— $— $— $— $— $— 
Real Estate: Mortgage, Farmland
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$423 $853 $361 $1,808 $1,866 $3,944 $651 $9,906 
Good2,510 3,424 4,159 1,904 4,451 24,685 3,804 44,937 
Satisfactory2,219 26,733 8,368 16,004 30,943 57,353 11,719 153,339 
Monitor1,197 4,052 2,266 9,441 6,329 16,815 5,050 45,150 
Special Mention920 1,063 — — 2,305 1,958 571 6,817 
Substandard— 226 — 3,365 2,652 4,714 2,379 13,336 
Total$7,269 $36,351 $15,154 $32,522 $48,546 $109,469 $24,174 $273,485 
Current-period gross write offs$— $— $— $— $— $68 $— $68 
Real Estate: Mortgage, 1 to 4 Family First Liens
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $1,472 $— $882 $3,102 $3,260 $217 $8,933 
Good1,265 18,333 6,892 9,074 10,931 30,450 4,491 81,436 
Satisfactory28,939 201,836 57,857 119,848 228,958 349,376 13,665 1,000,479 
Monitor3,978 12,472 4,086 11,646 18,352 47,049 10,666 108,249 
Special Mention— 324 1,096 4,059 5,754 14,342 1,227 26,802 
Substandard— 382 637 5,650 6,230 16,683 348 29,930 
Total$34,182 $234,819 $70,568 $151,159 $273,327 $461,160 $30,614 $1,255,829 
Current-period gross write offs$— $— $19 $152 $259 $46 $— $476 
Real Estate: Mortgage, 1 to 4 Family Junior Liens
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $12 $4 $— $16 
Good— 21 — — 230 595 3,449 4,295 
Satisfactory2,676 9,952 2,343 5,588 8,424 17,180 78,504 124,667 
Monitor25 409 260 168 826 1,355 3,073 6,116 
Special Mention— — 33 198 225 564 1,245 2,265 
Substandard— 32 176 326 130 568 1,263 2,495 
Total$2,701 $10,414 $2,812 $6,280 $9,847 $20,266 $87,534 $139,854 
Current-period gross write offs$— $— $— $38 $101 $61 $— $200 
Real Estate: Mortgage, Multi-Family
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $2,300 $— $— $273 $50,851 $— $53,424 
Good— 2,339 — 9,505 45,872 40,183 12,644 110,543 
Satisfactory9,823 34,544 4,802 12,100 34,030 80,968 28,566 204,833 
Monitor3,645 9,958 12,038 3,492 22,527 21,027 29,131 101,818 
Special Mention— — — 14,354 1,736 3,236 1,626 20,952 
Substandard— — — 2,912 — 910 — 3,822 
Total$13,468 $49,141 $16,840 $42,363 $104,438 $197,175 $71,967 $495,392 
Current-period gross write offs$— $— $— $— $— $— $— $— 
Real Estate: Mortgage, Commercial
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $3,558 $96 $— $— $14,116 $9,224 $26,994 
Good1,000 3,358 5,595 7,970 15,274 55,450 17,075 105,722 
Satisfactory4,510 28,146 17,227 23,311 44,028 73,854 44,121 235,197 
Monitor1,415 27,442 9,934 12,421 16,096 28,365 55,122 150,795 
Special Mention— 10,239 943 11,111 3,786 6,777 — 32,856 
Substandard— 354 686 3,388 1,025 10,255 — 15,708 
Total$6,925 $73,097 $34,481 $58,201 $80,209 $188,817 $125,542 $567,272 
Current-period gross write offs$— $— $— $100 $— $1 $— $101 
Loans to Individuals
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $— $— $— $— 
Good— 40 45 — — — — 85 
Satisfactory1,270 5,058 2,736 2,370 1,416 450 13,259 26,559 
Monitor— 79 46 69 27 11 1 233 
Special Mention— 108 66 89 — 2 2 267 
Substandard— 20 33 16 38 57 — 164 
Total$1,270 $5,305 $2,926 $2,544 $1,481 $520 $13,262 $27,308 
Current-period gross write offs$85 $8 $46 $28 $2 $2 $— $171 
Obligations of State and Political Subdivisions
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $— $2,339 $— $2,339 
Good— — — — — 15,454 2,996 18,450 
Satisfactory596 530 793 1,317 1,445 6,936 1,100 12,717 
Monitor282 555 430 — 694 2,632 2,777 7,370 
Special Mention— — — — 301 416 — 717 
Substandard— — — — — 261 — 261 
Total$878 $1,085 $1,223 $1,317 $2,440 $28,038 $6,873 $41,854 
Current-period gross write offs$— $— $— $— $— $— $— $— 
Totals
March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$1,778 $9,146 $818 $3,640 $5,468 $75,754 $22,620 $119,224 
Good8,397 33,618 23,262 40,683 84,338 174,409 139,462 504,169 
Satisfactory66,471 349,651 110,559 202,636 369,524 604,217 350,250 2,053,308 
Monitor15,352 70,742 38,580 50,096 78,694 124,724 268,730 646,918 
Special Mention2,697 23,281 6,520 42,724 16,547 30,820 51,763 174,352 
Substandard298 1,871 4,269 17,418 12,059 36,863 7,691 80,469 
Total$94,993 $488,309 $184,008 $357,197 $566,630 $1,046,787 $840,516 $3,578,440 
Current-period gross write offs$85 $10 $91 $605 $362 $296 $17 $1,466 


The following tables present total loans by risk categories and gross charge-offs by year of origination as of December 31, 2025 (amounts in thousands):
Agricultural
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$200 $747 $55 $152 $586 $119 $7,912 $9,771 
Good2,062 720 1,200 509 86 732 12,481 17,790 
Satisfactory8,523 3,885 1,769 2,087 1,059 2,674 25,088 45,085 
Monitor2,791 2,486 2,475 674 304 542 17,761 27,033 
Special Mention1,649 2,291 913 1,055 50 709 7,152 13,819 
Substandard375 1,907 127 300 45 261 2,411 5,426 
Total$15,600 $12,036 $6,539 $4,777 $2,130 $5,037 $72,805 $118,924 
Gross write-offs for period$— $— $— $39 $— $— — $39 
Commercial and Financial
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$797 $411 $940 $74 $45 $269 $4,491 $7,027 
Good4,329 4,205 11,663 7,227 500 4,414 45,404 77,742 
Satisfactory27,723 11,837 18,215 16,050 5,292 7,183 40,023 126,323 
Monitor12,773 5,124 8,179 9,335 1,742 2,707 25,205 65,065 
Special Mention873 2,003 3,052 1,195 77 548 4,244 11,992 
Substandard932 1,209 1,755 1,318 206 1,471 578 7,469 
Total$47,427 $24,789 $43,804 $35,199 $7,862 $16,592 $119,945 $295,618 
Gross write-offs for period$473 $809 $358 $167 $46 $105 $170 $2,128 
Real Estate: Construction, 1 to 4 Family Residential
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $— $— $— $— 
Good— — — — — — 15,239 15,239 
Satisfactory487 68 — 250 — — 39,785 40,590 
Monitor191 644 — 126 — — 30,154 31,115 
Special Mention— — — — 42 51 2,214 2,307 
Substandard61 — 185 — — — 310 556 
Total$739 $712 $185 $376 $42 $51 $87,702 $89,807 
Gross write-offs for period$— $155 $— $— $144 $99 7 $405 
Real Estate: Construction, Land Development and Commercial
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $— $262 $604 $866 
Good1,396 409 — 87 85 101 20,112 22,190 
Satisfactory12,033 4,154 4,028 4,497 2,520 2,909 47,325 77,466 
Monitor1,112 5,009 2,736 5,052 792 1,313 76,480 92,494 
Special Mention284 — — — 1,104 69 51,663 53,120 
Substandard— — 556 167 1,388 45 — 2,156 
Total$14,825 $9,572 $7,320 $9,803 $5,889 $4,699 $196,184 $248,292 
Gross write-offs for period$— $— $19 $4 $— $— $— $23 
Real Estate: Mortgage, Farmland
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$858 $420 $1,901 $1,883 $— $4,169 $60 $9,291 
Good3,821 4,254 1,935 3,690 10,164 14,529 3,570 41,963 
Satisfactory27,728 8,704 16,915 31,830 17,217 45,142 12,956 160,492 
Monitor3,864 2,197 11,766 7,561 3,300 14,187 4,971 47,846 
Special Mention859 — 1,355 2,778 541 1,919 577 8,029 
Substandard245 — 2,044 1,485 954 2,013 2,428 9,169 
Total$37,375 $15,575 $35,916 $49,227 $32,176 $81,959 $24,562 $276,790 
Gross write-offs for period$— $— $— $— $— $— $— $— 
Real Estate: Mortgage, 1 to 4 Family First Liens
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$1,881 $— $886 $3,139 $500 $2,852 $218 $9,476 
Good19,026 6,935 8,895 11,233 6,338 26,076 4,531 83,034 
Satisfactory205,374 62,238 127,565 236,384 116,155 245,724 13,859 1,007,299 
Monitor11,865 4,762 10,672 19,082 8,757 39,025 10,358 104,521 
Special Mention457 1,163 5,456 6,732 4,680 10,883 896 30,267 
Substandard307 658 4,829 4,856 4,984 11,196 450 27,280 
Total$238,910 $75,756 $158,303 $281,426 $141,414 $335,756 $30,312 $1,261,877 
Gross write-offs for period$— $153 $322 $279 $104 $69 $20 $947 
Real Estate: Mortgage, 1 to 4 Family Junior Liens
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $12 $— $4 $143 $159 
Good21 — — 234 — 615 3,788 4,658 
Satisfactory11,913 2,445 5,828 8,851 6,284 11,816 80,500 127,637 
Monitor387 276 180 897 400 1,133 2,939 6,212 
Special Mention— 33 211 277 221 421 1,091 2,254 
Substandard32 179 330 115 29 573 1,139 2,397 
Total$12,353 $2,933 $6,549 $10,386 $6,934 $14,562 $89,600 $143,317 
Gross write-offs for period$— $24 $149 $62 $36 $120 $37 $428 
Real Estate: Mortgage, Multi-Family
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$2,322 $— $— $275 $30,052 $21,295 $— $53,944 
Good2,349 — 9,570 49,085 2,764 37,997 12,736 114,501 
Satisfactory34,743 4,556 12,277 34,518 23,855 58,389 28,374 196,712 
Monitor11,295 9,816 3,984 22,656 6,410 14,874 29,303 98,338 
Special Mention— — 15,506 1,744 — 3,269 1,633 22,152 
Substandard— — 3,063 1,717 3,855 — — 8,635 
Total$50,709 $14,372 $44,400 $109,995 $66,936 $135,824 $72,046 $494,282 
Gross write-offs for period$— $— $7 $100 $100 $— $— $207 
Real Estate: Mortgage, Commercial
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$3,575 $96 $— $— $2,057 $12,291 $9,299 $27,318 
Good3,371 5,638 8,027 15,483 2,554 54,471 15,571 105,115 
Satisfactory28,908 15,583 23,469 44,648 17,304 61,412 45,429 236,753 
Monitor27,459 7,848 12,488 13,846 7,028 19,693 54,520 142,882 
Special Mention10,294 946 11,170 6,264 1,215 6,863 — 36,752 
Substandard358 774 3,521 827 2,633 8,244 — 16,357 
Total$73,965 $30,885 $58,675 $81,068 $32,791 $162,974 $124,819 $565,177 
Gross write-offs for period$48 $— $158 $85 $41 $758 $— $1,090 
Loans to Individuals
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$40 $— $— $— $— $— $— $40 
Good42 50 — — — — 2 94 
Satisfactory5,904 3,283 2,990 1,820 466 127 13,065 27,655 
Monitor83 63 78 42 14 — — 280 
Special Mention121 97 97 — 16 — — 331 
Substandard21 40 15 42 70 — 175 363 
Total$6,211 $3,533 $3,180 $1,904 $566 $127 $13,242 $28,763 
Gross write-offs for period$619 $308 $254 $38 $— $10 $493 $1,722 
Obligations of State and Political Subdivisions
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $— $2,461 $— $2,461 
Good— — — — — 15,300 3,018 18,318 
Satisfactory532 803 1,329 1,506 583 6,916 1,228 12,897 
Monitor555 430 — 708 — 2,693 2,807 7,193 
Special Mention— — — 304 — 437 — 741 
Substandard— — — — — 275 — 275 
Total$1,087 $1,233 $1,329 $2,518 $583 $28,082 $7,053 $41,885 
Gross write-offs for period$— $— $— $— $— $— $— $— 
Totals
December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Excellent$9,673 $1,674 $3,782 $5,535 $33,240 $43,722 $22,727 $120,353 
Good36,417 22,211 41,290 87,548 22,491 154,235 136,452 500,644 
Satisfactory363,869 117,556 214,385 382,441 190,735 442,292 347,629 2,058,907 
Monitor72,374 38,655 52,558 79,979 28,747 96,167 254,499 622,979 
Special Mention14,537 6,533 37,760 20,349 7,946 25,169 69,472 181,766 
Substandard2,331 4,767 16,425 10,827 14,164 24,078 7,491 80,083 
Total$499,201 $191,396 $366,200 $586,679 $297,323 $785,663 $838,270 $3,564,732 
Gross write-offs for period$1,140 $1,449 $1,267 $774 $471 $1,161 $727 $6,989 
Schedule of past due loans
Past due loans as of March 31, 2026 and December 31, 2025 were as follows:
 30 - 59 Days
Past Due		60 - 89 Days
Past Due		90 Days
or More
Past Due		Total Past
Due		CurrentTotal
Loans
Receivable		Accruing Loans
Past Due 90
Days or More
 (Amounts In Thousands)
March 31, 2026
Agricultural$76 $122 $85 $283 $122,580 $122,863 $— 
Commercial and financial1,380 489 1,549 3,418 290,591 294,009 16 
Real estate:
Construction, 1 to 4 family residential1,651 321 51 2,023 99,545 101,568 — 
Construction, land development and commercial9,978 2,976 283 13,237 245,769 259,006 283 
Mortgage, farmland908 304 660 1,872 271,613 273,485 — 
Mortgage, 1 to 4 family first liens18,824 3,007 5,855 27,686 1,228,143 1,255,829 362 
Mortgage, 1 to 4 family junior liens1,029 81 — 1,110 138,744 139,854 — 
Mortgage, multi-family1,272 — — 1,272 494,120 495,392 — 
Mortgage, commercial3,385 1,998 276 5,659 561,613 567,272 — 
Loans to individuals155 83 — 238 27,070 27,308 — 
Obligations of state and political subdivisions— — — — 41,854 41,854 — 
 $38,658 $9,381 $8,759 $56,798 $3,521,642 $3,578,440 $661 
December 31, 2025       
Agricultural$107 $— $364 $471 $118,453 $118,924 $— 
Commercial and financial1,889 326 1,385 3,600 292,018 295,618 — 
Real estate:   
Construction, 1 to 4 family residential636 — — 636 89,171 89,807 — 
Construction, land development and commercial2,007 — 1,456 3,463 244,829 248,292 1,371 
Mortgage, farmland2,763 3,588 660 7,011 269,779 276,790 — 
Mortgage, 1 to 4 family first liens23,035 3,930 5,231 32,196 1,229,681 1,261,877 1,166 
Mortgage, 1 to 4 family junior liens673 123 90 886 142,431 143,317 — 
Mortgage, multi-family4,277 — 136 4,413 489,869 494,282 — 
Mortgage, commercial10,530 375 356 11,261 553,916 565,177 — 
Loans to individuals355 85 — 440 28,323 28,763 — 
Obligations of state and political subdivisions275 — — 275 41,610 41,885 — 
 $46,547 $8,427 $9,678 $64,652 $3,500,080 $3,564,732 $2,537 
Schedule of impaired loan information
Certain nonaccrual loan information by loan type at March 31, 2026 and December 31, 2025, was as follows:

 March 31, 2026December 31, 2025
 Total Non-accrual
loans		Nonaccrual with no ACLTotal Non-
accrual
loans		Nonaccrual with no ACL
 (Amounts In Thousands)(Amounts In Thousands)
Agricultural$132 $47 $364 $364 
Commercial and financial1,841 1,841 2,624 2,624 
Real estate: 
Construction, 1 to 4 family residential422 422 — — 
Construction, land development and commercial198 198 551 551 
Mortgage, farmland2,535 1,918 660 660 
Mortgage, 1 to 4 family first liens11,038 11,038 9,560 9,560 
Mortgage, 1 to 4 family junior liens154 154 251 251 
Mortgage, multi-family43 43 1,790 1,790 
Mortgage, commercial1,946 1,946 1,813 1,813 
 $18,309 $17,607 $17,613 $17,613 
Schedule of information for modified loans
The following table shows the amortized cost basis at the end of the reporting period of the loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted (numbers in thousands):
Loan Modifications Made to Borrowers Experiencing Financial Difficulty
Three Months Ended March 31, 2026Three Months Ended March 31, 2025
Amortized Cost Basis% of Total Class of Financing ReceivableAmortized Cost Basis % of Total Class of Financing Receivable
Loan Type
Agricultural (1)Interest Rate Reduction$1,745 1.42%$— —%
Commercial and financialTerm extension1,360 0.46666 0.22
Construction, 1 to 4 family residentialTerm extension421 0.41377 0.41
Construction, land development and commercialTerm extension— —196 0.07
Mortgage, farmlandTerm extension300 0.11— —
Mortgage, 1 to 4 family first liens (2)Principal and interest reduction178 0.01— —
Mortgage, commercial Term extension262 0.05— —
$4,266 $1,239 

(1)Interest rate concession reduced interest rate by 2.00%. Modification reduced monthly payment amounts for the borrower.
(2)Modification reduced monthly payment amounts for the borrower.

The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty:

Three Months Ended March 31, 2026Three Months Ended March 31, 2025
Loan TypeAdded Weighted Average Life (Years)Added Weighted Average Life (Years)
Commercial and financial4.41.0
Construction, 1 to 4 family residential0.31.0
Construction land development and commercial0.00.9
Mortgage, Farmland 5.50.0
Mortgage, commercial0.30.0
The following table depicts the performance of loans that have been modified in the last 12 months (numbers in thousands):
March 31, 2026 Payment Status (Amortized Cost Basis)
Current30-89 Days Past Due90+ Days Past Due
Loan Type
Mortgage, 1 to 4 family first liens$172 $— $178 
Agricultural1,745 — — 
Mortgage, commercial754 
Mortgage, farmland300 — — 
Construction, 1 to 4 family residential— 421 — 
Commercial and financial1,957 146 — 
$4,928 $567 $178 
March 31, 2025 Payment Status (Amortized Cost Basis)
Current30-89 Days Past Due90+ Days Past Due
Loan Type
Agricultural$2,617 $— $— 
Mortgage, commercial784 — — 
Construction, 1 to 4 family residential378 — — 
Construction, land development and commercial1,745 — — 
Commercial and financial1,295 — — 
$6,819 $— $—