Note 4 - Loans (Tables)

6 Months Ended

Jun. 30, 2026

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(In Thousands of Dollars)		*June 30, 2026*				*December 31, 2025*
Commercial real estate
Owner occupied		$	627,421			$	393,061
Non-owner occupied			1,016,924				710,468
Farmland			228,228				211,370
Other			378,388				294,587
Commercial
Commercial and industrial			592,431				340,224
Agricultural			56,799				54,195
Residential real estate
1-4 family residential			1,230,110				850,300
Home equity lines of credit			360,685				181,544
Consumer
Indirect			239,209				231,242
Direct			21,375				16,483
Other			12,306				10,070
Total loans		$	4,763,876			$	3,293,544
Net deferred loan costs			12,601				11,169
Allowance for credit losses			(53,285	)			(36,811	)
Net loans		$	4,723,192			$	3,267,902

Financing Receivable, Allowance for Credit Loss [Table Text Block]

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	30,049			$	8,041			$	11,331			$	5,263			$	54,684
(Credit) Provision for credit losses			1,747				(111	)			(257	)			695				2,074
Initial allowance on purchased seasoned loans			0				160				0				0				160
Loans charged off			(3,125	)			(188	)			(69	)			(421	)			(3,803	)
Recoveries			0				48				47				75				170
Total ending allowance balance		$	28,671			$	7,950			$	11,052			$	5,612			$	53,285

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	20,064			$	4,536			$	7,241			$	4,970			$	36,811
(Credit) Provision for credit losses			(24	)			218				(244	)			1,111				1,061
Initial allowance on loans purchased with credit deterioration			3,380				600				15				0				3,995
Initial allowance on purchased seasoned loans			8,377				2,906				4,102				110				15,495
Loans charged off			(3,126	)			(479	)			(152	)			(775	)			(4,532	)
Recoveries			0				169				90				196				455
Total ending allowance balance		$	28,671			$	7,950			$	11,052			$	5,612			$	53,285

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	19,480			$	4,383			$	7,065			$	4,621			$	35,549
(Credit) Provision for credit losses			2,149				901				191				345				3,586
Loans charged off			(22	)			(341	)			(58	)			(327	)			(748	)
Recoveries			20				30				12				114				176
Total ending allowance balance		$	21,627			$	4,973			$	7,210			$	4,753			$	38,563

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	19,259			$	4,628			$	7,271			$	4,705			$	35,863
(Credit) Provision for credit losses			2,412				776				(43	)			463				3,608
Loans charged off			(66	)			(654	)			(77	)			(649	)			(1,446	)
Recoveries			22				223				59				234				538
Total ending allowance balance		$	21,627			$	4,973			$	7,210			$	4,753			$	38,563

Financing Receivable, Nonaccrual [Table Text Block]

		Nonaccrual with				Nonaccrual with				Loans past due
		no allowance				an allowance				over 89 days
(In Thousands of Dollars)		for credit loss				for credit loss				still accruing
June 30, 2026
Commercial real estate
Owner occupied		$	4,196			$	2,580			$	0
Non-owner occupied			2,227				10,576				0
Farmland			0				1,813				0
Other			491				1,041				0
Commercial
Commercial and industrial			11,454				3,651				0
Agricultural			0				178				0
Residential real estate
1-4 family residential			1,651				2,543				295
Home equity lines of credit			487				802				0
Consumer
Indirect			27				503				0
Direct			0				24				0
Other			0				97				0
Total loans		$	20,533			$	23,808			$	295

		Nonaccrual with				Nonaccrual with				Loans past due
		no allowance				an allowance				over 89 days
(In Thousands of Dollars)		for credit loss				for credit loss				still accruing
December 31, 2025
Commercial real estate
Owner occupied		$	1,346			$	207			$	0
Non-owner occupied			2,408				10,776				0
Farmland			0				1,917				0
Other			1,093				0				0
Commercial
Commercial and industrial			0				2,778				82
Agricultural			0				159				0
Residential real estate
1-4 family residential			1,095				2,329				271
Home equity lines of credit			424				689				0
Consumer
Indirect			61				462				0
Direct			0				21				0
Other			97				0				0
Total loans		$	6,524			$	19,338			$	353

Schedule of Collateral Dependent Loans [Table Text Block]

(In Thousands of Dollars)		Real Estate				Business Assets				Vehicles				Cash
June 30, 2026
Commercial real estate
Owner occupied		$	6,548			$	0			$	0			$	0
Non-owner occupied			27,567				0				0				0
Farmland			1,821				0				0				0
Other			1,552				0				0				0
Commercial
Commercial and industrial			0				14,510				0				0
Agricultural			0				8				0				0
Residential real estate
1-4 family residential			2,851				0				0				0
Home equity lines of credit			889				0				0				0
Consumer
Indirect			0				0				67				0
Direct			0				0				1				0
Other			97				0				0				0
Total loans		$	41,325			$	14,518			$	68			$	0

(In Thousands of Dollars)		Real Estate				Business Assets				Vehicles				Cash
December 31, 2025
Commercial real estate
Owner occupied		$	1,346			$	0			$	0			$	0
Non-owner occupied			24,235				0				0				0
Farmland			1,872				0				0				0
Other			1,093				0				0				0
Commercial
Commercial and industrial			0				2,352				0				0
Agricultural			0				0				0				0
Residential real estate
1-4 family residential			2,411				0				0				0
Home equity lines of credit			944				0				0				0
Consumer
Indirect			0				0				102				0
Direct			0				0				4				0
Other			97				0				0				0
Total loans		$	31,998			$	2,352			$	106			$	0

Financing Receivable, Past Due [Table Text Block]

										90 Days
										or More
		30-59 Days				60-89 Days				Past Due				Total				Loans Not
(In Thousands of Dollars)		Past Due				Past Due				and Nonaccrual				Past Due				Past Due				Total
June 30, 2026
Commercial real estate
Owner occupied		$	697			$	506			$	6,776			$	7,979			$	619,288			$	627,267
Non-owner occupied			48				378				12,803				13,229				1,003,345				1,016,574
Farmland			182				6				1,813				2,001				226,078				228,079
Other			991				0				1,532				2,523				375,186				377,709
Commercial
Commercial and industrial			1,099				227				15,105				16,431				577,624				594,055
Agricultural			170				55				178				403				57,380				57,783
Residential real estate
1-4 family residential			9,331				2,089				4,489				15,909				1,215,359				1,231,268
Home equity lines of credit			416				210				1,289				1,915				359,128				361,043
Consumer
Indirect			1,640				680				530				2,850				246,077				248,927
Direct			45				6				24				75				21,387				21,462
Other			92				1				97				190				12,120				12,310
Total loans		$	14,711			$	4,158			$	44,636			$	63,505			$	4,712,972			$	4,776,477

										90 Days
										or More
		30-59 Days				60-89 Days				Past Due				Total				Loans Not
(In Thousands of Dollars)		Past Due				Past Due				and Nonaccrual				Past Due				Past Due				Total
December 31, 2025
Commercial real estate
Owner occupied		$	419			$	1,018			$	1,553			$	2,990			$	389,881			$	392,871
Non-owner occupied			8				0				13,184				13,192				696,884				710,076
Farmland			116				163				1,917				2,196				209,035				211,231
Other			0				0				1,093				1,093				292,915				294,008
Commercial
Commercial and industrial			1,064				174				2,860				4,098				337,639				341,737
Agricultural			235				30				159				424				54,665				55,089
Residential real estate
1-4 family residential			9,848				1,122				3,695				14,665				836,515				851,180
Home equity lines of credit			75				54				1,113				1,242				180,544				181,786
Consumer
Indirect			2,090				470				523				3,083				237,027				240,110
Direct			37				7				21				65				16,486				16,551
Other			17				0				97				114				9,960				10,074
Total loans		$	13,909			$	3,038			$	26,215			$	43,162			$	3,261,551			$	3,304,713