v3.26.1
Note 3 - Loans and Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2026
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
                  

Percent

 
  

June 30, 2026

  

December 31, 2025

  

Increase

 

(Dollars in thousands)

 

Balance

  

%

  

Balance

  

%

  

(Decrease)

 
                     

Commercial:

                    

Commercial and industrial

 $1,537,029   31.3% $1,374,522   28.5%  11.8%

Vacant land, land development, and residential construction

  119,387   2.4   117,373   2.4   1.7 

Real estate – owner occupied

  803,883   16.4   778,869   16.2   3.2 

Real estate – non-owner occupied

  1,091,844   22.2   1,110,674   23.0   (1.7)

Real estate – multi-family and residential rental

  498,253   10.1   537,224   11.2   (7.3)

Total commercial

  4,050,396   82.4   3,918,662   81.3   3.4 
                     

Retail:

                    

1-4 family mortgages

  750,526   15.3   790,857   16.4   (5.1)

Other consumer loans

  114,631   2.3   112,369   2.3   2.0 

Total retail

  865,157   17.6   903,226   18.7   (4.2)
                     

Total loans

 $4,915,553   100.0% $4,821,888   100.0%  1.9%
Financing Receivable, Past Due [Table Text Block]
                          

Recorded

 
          

Greater

              

Balance

 
  30 – 59  60 – 89  

Than 89

              

> 89

 
  

Days

  

Days

  

Days

  

Total

      

Total

  

Days and

 

(Dollars in thousands)

 Past Due  Past Due  Past Due  Past Due  Current  Loans  Accruing 

June 30, 2026

                            

Commercial:

                            

Commercial and industrial

 $0  $0  $0  $0  $1,537,029  $1,537,029  $0 

Vacant land, land development, and residential construction

  73   0   147   220   119,167   119,387   0 

Real estate – owner occupied

  134   0   289   423   803,460   803,883   0 

Real estate – non- owner occupied

  0   0   0   0   1,091,844   1,091,844   0 

Real estate – multi-family and residential rental

  0   0   0   0   498,253   498,253   0 

Total commercial

  207   0   436   643   4,049,753   4,050,396   0 
                             

Retail:

                            

1-4 family mortgages

  58   1,218   124   1,400   749,126   750,526   0 

Other consumer loans

  196   4   24   224   114,407   114,631   0 

Total retail

  254   1,222   148   1,624   863,533   865,157   0 
                             

Total past due loans

 $461  $1,222  $584  $2,267  $4,913,286  $4,915,553  $0 
                             

December 31, 2025

                            

Commercial:

                            

Commercial and industrial

 $294  $0  $0  $294  $1,374,228  $1,374,522  $0 

Vacant land, land development, and residential construction

  67   0   0   67   117,306   117,373   0 

Real estate – owner occupied

  219   0   29   248   778,621   778,869   0 

Real estate – non-owner occupied

  0   0   2,732   2,732   1,107,942   1,110,674   0 

Real estate – multi-family and residential rental

  0   0   0   0   537,224   537,224   0 

Total commercial

  580   0   2,761   3,341   3,915,321   3,918,662   0 
                             

Retail:

                            

1-4 family mortgages

  992   409   156   1,557   789,300   790,857   0 

Other consumer loans

  585   40   5   630   111,739   112,369   0 

Total retail

  1,577   449   161   2,187   901,039   903,226   0 
                             

Total past due loans

 $2,157  $449  $2,922  $5,528  $4,816,360  $4,821,888  $0 
Financing Receivable, Nonaccrual [Table Text Block]
  

June 30, 2026

  

December 31, 2025

 
  

Recorded

      

Recorded

     
  

Principal

  

Related

  

Principal

  

Related

 

(Dollars in thousands)

 

Balance

  

Allowance

  

Balance

  

Allowance

 

With no allowance recorded:

                

Commercial:

                

Commercial and industrial

 $159  $0  $170  $0 

Vacant land, land development and residential construction

  210   0   201   0 

Real estate – owner occupied

  743   0   517   0 

Real estate – non-owner occupied

  0   0   0   0 

Real estate – multi-family and residential rental

  0   0   0   0 

Total commercial

  1,112   0   888   0 
                 

Retail:

                

1-4 family mortgages

  2,860   0   1,892   0 

Other consumer loans

  97   0   81   0 

Total retail

  2,957   0   1,973   0 
                 

Total with no allowance recorded

 $4,069  $0  $2,861  $0 
                 

With an allowance recorded:

                

Commercial:

                

Commercial and industrial

 $783  $758  $1,223  $1,063 

Vacant land, land development and residential construction

  0   0   0   0 

Real estate – owner occupied

  0   0   0   0 

Real estate – non-owner occupied

  0   0   2,732   2,732 

Real estate – multi-family and residential rental

  0   0   0   0 

Total commercial

  783   758   3,955   3,795 
                 

Retail:

                

1-4 family mortgages

  951   177   1,054   224 

Other consumer loans

  0   0   0   0 

Total retail

  951   177   1,054   224 
                 

Total with an allowance recorded

 $1,734  $935  $5,009  $4,019 
                 

Total nonaccrual loans:

                

Commercial

 $1,895  $758  $4,843  $3,795 

Retail

  3,908   177   3,027   224 

Total nonaccrual loans

 $5,803  $935  $7,870  $4,019 
Financing Receivable by Origination Year [Table Text Block]
                              

Revolving

  

Grand

 

(Dollars in thousands)

 2026  2025  2024  2023  2022  Prior  Term Total  Loans  Total 

Commercial:

                                    

Commercial and Industrial:

                     

Grades 1 – 4

 $59,146  $71,218  $40,715  $27,660  $6,246  $41,983  $246,968  $475,717  $722,685 

Grades 5 – 7

  68,792   93,854   109,112   30,939   11,036   7,091   320,824   472,465   793,289 

Grades 8 – 9

  8,402   0   0   878   0   318   9,598   11,457   21,055 

Total

 $136,340  $165,072  $149,827  $59,477  $17,282  $49,392  $577,390  $959,639  $1,537,029 

Year-to-date gross write offs

 $0  $0  $0  $8  $0  $0  $8  $0  $8 
                                     

Vacant Land, Land Development and Residential Construction:

                     

Grades 1 – 4

 $15,327  $13,035  $1,569  $1,198  $4,150  $8,015  $43,294  $10,872  $54,166 

Grades 5 – 7

  10,373   30,188   12,112   1,437   3,931   4,794   62,835   2,176   65,011 

Grades 8 – 9

  0   0   0   0   0   210   210   0   210 

Total

 $25,700  $43,223  $13,681  $2,635  $8,081  $13,019  $106,339  $13,048  $119,387 

Year-to-date gross write offs

 $0  $0  $0  $0  $0  $0  $0  $0  $0 
                                     

Real Estate – Owner Occupied:

                         

Grades 1 – 4

 $66,796  $131,568  $102,655  $50,905  $68,957  $63,123  $484,004  $5,548  $489,552 

Grades 5 – 7

  69,694   79,362   51,022   49,271   31,043   22,759   303,151   2,634   305,785 

Grades 8 – 9

  2,117   0   1,542   3,402   0   1,485   8,546   0   8,546 

Total

 $138,607  $210,930  $155,219  $103,578  $100,000  $87,367  $795,701  $8,182  $803,883 

Year-to-date gross write offs

 $0  $0  $0  $0  $0  $0  $0  $0  $0 
                                     

Real Estate – Non-Owner Occupied:

                         

Grades 1 – 4

 $45,326  $66,311  $68,600  $53,676  $78,861  $115,628  $428,402  $7,397  $435,799 

Grades 5 – 7

  131,340   105,191   143,136   146,395   56,244   68,815   651,121   4,924   656,045 

Grades 8 – 9

  0   0   0   0   0   0   0   0   0 

Total

 $176,666  $171,502  $211,736  $200,071  $135,105  $184,443  $1,079,523  $12,321  $1,091,844 

Year-to-date gross write offs

 $0  $0  $0  $0  $0  $0  $0  $0  $0 
                                     

Real Estate – Multi-Family and Residential Rental:

                         

Grades 1 – 4

 $28,586  $32,020  $9,756  $16,263  $12,962  $41,931  $141,518  $4,861  $146,379 

Grades 5 – 7

  167,666   101,501   48,533   13,123   14,272   6,779   351,874   0   351,874 

Grades 8 – 9

  0   0   0   0   0   0   0   0   0 

Total

 $196,252  $133,521  $58,289  $29,386  $27,234  $48,710  $493,392  $4,861  $498,253 

Year-to-date gross write offs

 $0  $0  $0  $0  $0  $0  $0  $0  $0 

Total Commercial

 $673,565  $724,248  $588,752  $395,147  $287,702  $382,931  $3,052,345  $998,051  $4,050,396 

Total Commercial year-to-date gross write offs

 $0  $0  $0  $8  $0  $0  $8  $0  $8 
                                     

Retail:

                                    

1-4 Family Mortgages:

                                    

Performing

 $38,414  $61,729  $39,835  $83,893  $259,194  $262,720  $745,785  $930  $746,715 

Nonperforming

  0   0   226   437   1,014   2,134   3,811   0   3,811 

Total

 $38,414  $61,729  $40,061  $84,330  $260,208  $264,854  $749,596  $930  $750,526 

Year-to-date gross write offs

 $0  $0  $0  $0  $0  $0  $0  $0  $0 
                                     

Other Consumer Loans:

                                    

Performing

 $2,305  $5,678  $6,180  $5,385  $2,297  $1,401  $23,246  $91,288  $114,534 

Nonperforming

  0   0   19   0   14   64   97   0   97 

Total

 $2,305  $5,678  $6,199  $5,385  $2,311  $1,465  $23,343  $91,288  $114,631 

Year-to-date gross write offs

 $0  $2  $0  $0  $0  $0  $2  $5  $7 

Total Retail

 $40,719  $67,407  $46,260  $89,715  $262,519  $266,319  $772,939  $92,218  $865,157 

Total Retail year-to-date gross write offs

 $0  $2  $0  $0  $0  $0  $2  $5  $7 
                                     

Total

 $714,284  $791,655  $635,012  $484,862  $550,221  $649,250  $3,825,284  $1,090,269  $4,915,553 

Total year-to-date gross write offs

 $0  $2  $0  $8  $0  $0  $10  $5  $15 
                              

Revolving

  

Grand

 

(Dollars in thousands)

 2025  2024  2023  2022  2021  Prior  Term Total  Loans  Total 

Commercial:

                                    

Commercial and Industrial:

                                    

Grades 1 – 4

 $82,163  $57,225  $38,063  $12,554  $35,423  $14,878  $240,306  $415,084  $655,390 

Grades 5 – 7

  143,638   125,617   46,445   23,137   5,396   3,092   347,325   357,379   704,704 

Grades 8 – 9

  2,189   0   732   0   0   327   3,248   11,180   14,428 

Total

 $227,990  $182,842  $85,240  $35,691  $40,819  $18,297  $590,879  $783,643  $1,374,522 

Year-to-date gross write offs

 $0  $4  $0  $0  $0  $0  $4  $7  $11 
                                     

Vacant Land, Land Development and Residential Construction:

                         

Grades 1 – 4

 $22,242  $4,849  $1,703  $7,676  $2,410  $6,752  $45,632  $10,283  $55,915 

Grades 5 – 7

  37,052   13,281   1,635   2,295   520   5,743   60,526   731   61,257 

Grades 8 – 9

  0   0   0   0   201   0   201   0   201 

Total

 $59,294  $18,130  $3,338  $9,971  $3,131  $12,495  $106,359  $11,014  $117,373 

Year-to-date gross write offs

 $0  $0  $0  $0  $0  $0  $0  $0  $0 
                                     

Real Estate – Owner Occupied:

                         

Grades 1 – 4

 $135,403  $137,672  $51,266  $77,169  $66,198  $18,302  $486,010  $7,686  $493,696 

Grades 5 – 7

  81,750   59,874   51,642   53,479   20,585   9,085   276,415   1,285   277,700 

Grades 8 – 9

  0   0   3,502   2,674   0   1,297   7,473   0   7,473 

Total

 $217,153  $197,546  $106,410  $133,322  $86,783  $28,684  $769,898  $8,971  $778,869 

Year-to-date gross write offs

 $0  $0  $0  $0  $0  $0  $0  $0  $0 
                                     

Real Estate – Non-Owner Occupied:

                         

Grades 1 – 4

 $93,669  $83,447  $55,500  $65,525  $73,727  $53,148  $425,016  $9,709  $434,725 

Grades 5 – 7

  145,795   153,731   170,018   77,964   69,335   51,411   668,254   4,963   673,217 

Grades 8 – 9

  2,732   0   0   0   0   0   2,732   0   2,732 

Total

 $242,196  $237,178  $225,518  $143,489  $143,062  $104,559  $1,096,002  $14,672  $1,110,674 

Year-to-date gross write offs

 $0  $0  $0  $0  $0  $0  $0  $0  $0 
                                     

Real Estate – Multi-Family and Residential Rental:

                         

Grades 1 – 4

 $40,264  $13,603  $32,341  $9,449  $32,465  $23,399  $151,521  $0  $151,521 

Grades 5 – 7

  165,703   55,785   128,190   27,959   1,862   6,204   385,703   0   385,703 

Grades 8 – 9

  0   0   0   0   0   0   0   0   0 

Total

 $205,967  $69,388  $160,531  $37,408  $34,327  $29,603  $537,224  $0  $537,224 

Year-to-date gross write offs

 $0  $0  $0  $0  $0  $0  $0  $0  $0 

Total Commercial

 $952,600  $705,084  $581,037  $359,881  $308,122  $193,638  $3,100,362  $818,300  $3,918,662 

Total Commercial year-to-date gross write offs

 $0  $4  $0  $0  $0  $0  $4  $7  $11 
                                     

Retail:

                                    

1-4 Family Mortgages:

                                    

Performing

 $62,063  $52,546  $102,023  $280,078  $181,242  $107,389  $785,341  $2,570  $787,911 

Nonperforming

  0   241   451   1,047   347   860   2,946   0   2,946 

Total

 $62,063  $52,787  $102,474  $281,125  $181,589  $108,249  $788,287  $2,570  $790,857 

Year-to-date gross write offs

 $0  $0  $0  $22  $61  $3  $86  $0  $86 
                                     

Other Consumer Loans:

                                    

Performing

 $6,574  $8,299  $7,056  $3,358  $1,274  $894  $27,455  $84,833  $112,288 

Nonperforming

  0   0   0   9   5   42   56   25   81 

Total

 $6,574  $8,299  $7,056  $3,367  $1,279  $936  $27,511  $84,858  $112,369 

Year-to-date gross write offs

 $0  $2  $2  $0  $0  $0  $4  $0  $4 

Total Retail

 $68,637  $61,086  $109,530  $284,492  $182,868  $109,185  $815,798  $87,428  $903,226 

Total Retail year-to-date gross write offs

 $0  $2  $2  $22  $61  $3  $90  $0  $90 
                                     

Total

 $1,021,237  $766,170  $690,567  $644,373  $490,990  $302,823  $3,916,160  $905,728  $4,821,888 

Total year-to-date gross write offs

 $0  $6  $2  $22  $61  $3  $94  $7  $101 
Financing Receivable, Allowance for Credit Loss [Table Text Block]

(Dollars in thousands)

 Commercial and industrial  Commercial vacant land, land development and residential construction  Commercial real estate – owner occupied  Commercial real estate – non-owner occupied  Commercial real estate – multi-family and residential rental  

1-4 family mortgages

  Other consumer loans  

Unallocated

  

Total

 
                                     

Balance at 3-31-2026

 $12,824  $545  $7,845  $14,661  $4,685  $13,464  $2,690  $23  $56,737 

Provision for credit losses

  740   (12)  199   (2,485)  368   (803)  108   85   (1,800)

Charge-offs

  (8)  0   0   0   0   0   (2)  0   (10)

Recoveries

  217   13   4   228   4   38   10   0   514 

Balance at 6-30-2026

 $13,773  $546  $8,048  $12,404  $5,057  $12,699  $2,806  $108  $55,441 
                                     

Balance at 12-31-2025

 $12,576  $478  $7,629  $15,074  $5,514  $14,199  $2,638  $83  $58,191 

Provision for credit losses

  832   19   405   (2,898)  (465)  (1,668)  150   25   (3,600)

Charge-offs

  (8)  0   0   0   0   0   (7)  0   (15)

Recoveries

  373   49   14   228   8   168   25   0   865 

Balance at 6-30-2026

 $13,773  $546  $8,048  $12,404  $5,057  $12,699  $2,806  $108  $55,441 
                                     

Balance at 3-31-2025

 $11,798  $386  $7,679  $11,946  $3,878  $18,874  $2,102  $3  $56,666 

Provision for credit losses

  (39)  0   11   1,854   416   (989)  207   140   1,600 

Charge-offs

  (11)  0   0   0   0   (25)  (2)  0   (38)

Recoveries

  23   1   1   0   3   105   14   0   147 

Balance at 6-30-2025

 $11,771  $387  $7,691  $13,800  $4,297  $17,965  $2,321  $143  $58,375 
                                     

Balance at 12-31-2024

 $11,165  $367  $7,671  $10,919  $3,667  $18,702  $1,936  $27  $54,454 

Provision for credit losses

  559   18   17   2,881   622   (803)  290   116   3,700 

Charge-offs

  (11)  0   0   0   0   (86)  (4)  0   (101)

Recoveries

  58   2   3   0   8   152   99   0   322 

Balance at 6-30-2025

 $11,771  $387  $7,691  $13,800  $4,297  $17,965  $2,321  $143  $58,375 
                                     
Financing Receivable, Modified, Financial Effect [Table Text Block]
  

Interest Rate

      

Principal

 

(Dollars in thousands)

 

Reduction

  

Term Extension

  

Forgiveness

 

Commercial:

            

Commercial and industrial

 $0  $5,824  $0 

Vacant land, land development and residential construction

  0   0   0 

Real estate – owner occupied

  0   2,117   0 

Real estate – non-owner occupied

  0   0   0 

Real estate – multi-family and residential rental

  0   0   0 

Total commercial

 $0  $7,941  $0 
             

Retail:

            

1-4 family mortgages

  0   0   0 

Other consumer loans

  0   0   0 

Total retail

 $0  $0  $0 
             

Total loans

 $0  $7,941  $0 
  

Interest Rate

      

Principal

 

(Dollars in thousands)

 

Reduction

  

Term Extension

  

Forgiveness

 

Commercial:

            

Commercial and industrial

 $0  $7,001  $0 

Vacant land, land development and residential construction

  0   0   0 

Real estate – owner occupied

  0   2,117   0 

Real estate – non-owner occupied

  0   0   0 

Real estate – multi-family and residential rental

  0   0   0 

Total commercial

 $0  $9,118  $0 
             

Retail:

            

1-4 family mortgages

  0   0   0 

Other consumer loans

  0   0   0 

Total retail

 $0  $0  $0 
             

Total loans

 $0  $9,118  $0 
  

Interest Rate

      

Principal

 

(Dollars in thousands)

 

Reduction

  

Term Extension

  

Forgiveness

 

Commercial:

            

Commercial and industrial

 $0  $20  $0 

Vacant land, land development and residential construction

  0   0   0 

Real estate – owner occupied

  0   0   0 

Real estate – non-owner occupied

  0   0   0 

Real estate – multi-family and residential rental

  0   0   0 

Total commercial

 $0  $20  $0 
             

Retail:

            

1-4 family mortgages

  0   0   0 

Other consumer loans

  0   0   0 

Total retail

 $0  $0  $0 
             

Total loans

 $0  $20  $0 
  

Interest Rate

      

Principal

 

(Dollars in thousands)

 

Reduction

  

Term Extension

  

Forgiveness

 

Commercial:

            

Commercial and industrial

 $0  $20  $0 

Vacant land, land development and residential construction

  0   0   0 

Real estate – owner occupied

  0   0   0 

Real estate – non-owner occupied

  0   0   0 

Real estate – multi-family and residential rental

  0   0   0 

Total commercial

 $0  $20  $0 
             

Retail:

            

1-4 family mortgages

  0   0   0 

Other consumer loans

  0   0   0 

Total retail

 $0  $0  $0 
             

Total loans

 $0  $20  $0 
Financing Receivable, Modified, Amortized Cost [Table Text Block]
      

30 – 89 Days

  

90 + Days

     

(Dollars in thousands)

 

Current

  

Past Due

  

Past Due

  

Total

 

Commercial:

                

Commercial and industrial

 $11,712  $0  $0  $11,712 

Vacant land, land development and residential construction

  0   0   0   0 

Real estate – owner occupied

  2,346   0   0   2,346 

Real estate – non-owner occupied

  0   0   0   0 

Real estate – multi-family and residential rental

  0   0   0   0 

Total commercial

 $14,058  $0  $0  $14,058 
                 

Retail:

                

1-4 family mortgages

  0   0   0   0 

Other consumer loans

  0   0   0   0 

Total retail

 $0  $0  $0  $0 
                 

Total loans

 $14,058  $0  $0  $14,058