v3.26.1
Note 3 - Loans (Tables)
3 Months Ended
Mar. 31, 2026
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
  

March 31, 2026

  

December 31, 2025

 

Real estate loans:

        

Construction and land development

 $97,487  $88,424 

Secured by 1-4 family residential

  520,821   527,283 

Other real estate loans

  712,567   696,978 

Commercial and industrial loans

  115,202   117,944 

Consumer and other loans

  18,329   19,116 

Total loans

 $1,464,406  $1,449,745 

Allowance for credit losses

  (14,698)  (14,719)

Loans, net

 $1,449,708  $1,435,026 
Financing Receivable, Purchased with Credit Deterioration [Table Text Block]
  

March 31, 2026

  

December 31, 2025

 
  

Acquired Loans-

  

Acquired Loans-

 
  

Non-Purchased

  

Non-Purchased

 

(Dollars in thousands)

 

Credit Deteriorated

  

Credit Deteriorated

 

Outstanding principal balance

 $453,731  $480,625 
         

Carrying amount

        

Real estate loans:

        

Construction and land development

 $7,215  $7,461 

Secured by 1-4 family residential

  193,516   207,352 

Other real estate loans

  215,312   223,986 

Commercial and industrial loans

  22,943   25,428 

Consumer and other loans

  2,770   3,223 

Total acquired loans

 $441,756  $467,450 
Financing Receivable, Past Due [Table Text Block]
  

March 31, 2026

 
  

30-59 Days Past Due

  

60-89 Days Past Due

  > 90 Days Past Due  

Total Past Due

  

Current

  Total Loans  Non-accrual Loans  90 Days or More Past Due and Accruing 

Real estate loans:

                                

Construction and land development

 $20  $26  $18  $64  $97,423  $97,487  $44  $ 

Secured by 1-4 family residential

  3,163   765   1,104   5,032   515,789   520,821   2,111    

Other real estate loans

  241   180      421   712,146   712,567       

Commercial and industrial

  411   498   1,517   2,426   112,776   115,202   2,290    

Consumer and other loans

  46   29      75   18,254   18,329       

Total

 $3,881  $1,498  $2,639  $8,018  $1,456,388  $1,464,406  $4,445  $ 
  

December 31, 2025

 
  

30-59 Days Past Due

  

60-89 Days Past Due

  > 90 Days Past Due  

Total Past Due

  

Current

  Total Loans  Non-accrual Loans  90 Days or More Past Due and Accruing 

Real estate loans:

                                

Construction and land development

 $30  $  $45  $75  $88,349  $88,424  $45  $ 

Secured by 1-4 family residential

  2,034   857   939   3,830   523,453   527,283   1,994    

Other real estate loans

              696,978   696,978       

Commercial and industrial

  646   520   1,324   2,490   115,454   117,944   2,615    

Consumer and other loans

  12   23      35   19,081   19,116       

Total

 $2,722  $1,400  $2,308  $6,430  $1,443,315  $1,449,745  $4,654  $ 
Financing Receivable Credit Quality Indicators [Table Text Block]
  March 31, 2026         
  

Term Loans by Year of Origination

         
  

2026

  

2025

  

2024

  

2023

  

2022

  

Prior

  

Revolving

  

Total

 

Construction and land development

                                

Pass

 $5,841  $7,250  $668  $3,470  $1,793  $7,383  $71,038  $97,443 

Special Mention

                        

Substandard

                 44      44 

Doubtful

                        

Total construction and land development

 $5,841  $7,250  $668  $3,470  $1,793  $7,427  $71,038  $97,487 
                                 

Current period gross write-offs

 $  $  $  $  $  $  $  $ 
                                 

Secured by 1-4 family residential

                                

Pass

 $11,672  $29,662  $27,479  $60,134  $97,233  $219,135  $73,618  $518,933 

Special Mention

                        

Substandard

           126   321   1,441      1,888 

Doubtful

                        

Total secured by 1-4 family residential

 $11,672  $29,662  $27,479  $60,260  $97,554  $220,576  $73,618  $520,821 
                                 

Current period gross write-offs

 $  $  $  $  $  $29  $  $29 
                                 

Other real estate loans

                                

Pass

 $30,898  $73,277  $57,919  $93,657  $126,570  $294,728  $33,201  $710,250 

Special Mention

        311         2,006      2,317 

Substandard

                        

Doubtful

                        

Total other real estate loans

 $30,898  $73,277  $58,230  $93,657  $126,570  $296,734  $33,201  $712,567 
                                 

Current period gross write-offs

 $  $  $  $  $  $  $  $ 
                                 

Commercial and industrial

                                

Pass

 $5,341  $10,351  $14,950  $13,488  $13,381  $21,300  $33,709  $112,520 

Special Mention

        392               392 

Substandard

           472   1,013   276      1,761 

Doubtful

                 529      529 

Total commercial and industrial

 $5,341  $10,351  $15,342  $13,960  $14,394  $22,105  $33,709  $115,202 
                                 

Current period gross write-offs

 $  $  $  $262  $192  $126  $  $580 
                                 

Consumer and other loans

                                

Pass

 $1,483  $3,925  $1,770  $2,173  $4,049  $2,444  $2,484  $18,328 

Special Mention

                        

Substandard

                 1      1 

Doubtful

                        

Total consumer and other loans

 $1,483  $3,925  $1,770  $2,173  $4,049  $2,445  $2,484  $18,329 
                                 

Current period gross write-offs

 $87  $  $  $13  $  $  $  $100 
  

December 31, 2025

         
  

Term Loans by Year of Origination

         
  

2025

  

2024

  

2023

  

2022

  

2021

  

Prior

  

Revolving

  

Total

 

Construction and land development

                                

Pass

 $7,661  $674  $3,505  $1,999  $3,578  $4,079  $66,883  $88,379 

Special Mention

                        

Substandard

                 45      45 

Doubtful

                        

Total construction and land development

 $7,661  $674  $3,505  $1,999  $3,578  $4,124  $66,883  $88,424 
                                 

Current period gross write-offs

 $  $  $  $  $  $22  $  $22 
                                 

Secured by 1-4 family residential

                                

Pass

 $37,248  $29,544  $61,183  $100,324  $91,044  $135,178  $70,577  $525,098 

Special Mention

     119                  119 

Substandard

        29   210   343   1,484      2,066 

Doubtful

                        

Total secured by 1-4 family residential

 $37,248  $29,663  $61,212  $100,534  $91,387  $136,662  $70,577  $527,283 
                                 

Current period gross write-offs

 $  $  $  $  $  $59  $  $59 
                                 

Other real estate loans

                                

Pass

 $67,088  $59,352  $95,653  $130,268  $105,813  $201,768  $32,327  $692,269 

Special Mention

     313            4,146      4,459 

Substandard

                 250      250 

Doubtful

                        

Total other real estate loans

 $67,088  $59,665  $95,653  $130,268  $105,813  $206,164  $32,327  $696,978 
                                 

Current period gross write-offs

 $  $  $  $  $  $7  $  $7 
                                 

Commercial and industrial

                                

Pass

 $11,592  $16,531  $13,637  $14,373  $13,054  $11,088  $33,469  $113,744 

Special Mention

     400      1,072            1,472 

Substandard

        751   1,062   386         2,199 

Doubtful

                 529      529 

Total commercial and industrial

 $11,592  $16,931  $14,388  $16,507  $13,440  $11,617  $33,469  $117,944 
                                 

Current period gross write-offs

 $  $671  $701  $1,930  $481  $438  $  $4,221 
                                 

Consumer and other loans

                                

Pass

 $4,974  $2,155  $2,405  $4,252  $91  $2,671  $2,568  $19,116 

Special Mention

                        

Substandard

                        

Doubtful

                        

Total consumer and other loans

 $4,974  $2,155  $2,405  $4,252  $91  $2,671  $2,568  $19,116 
                                 

Current period gross write-offs

 $469  $10  $12  $  $  $5  $  $496