v3.26.1
Loans (Tables)
 6 Months Ended
Jun. 30, 2026
Receivables [Abstract]  
Schedule of classes of loans
Classes of loans are as follows:

June 30, 2026December 31,
2025
(Amounts In Thousands)
Agricultural$110,079 $118,924 
Commercial and financial286,801 295,618 
Real estate:
Construction, 1 to 4 family residential94,708 89,807 
Construction, land development and commercial259,367 248,292 
Mortgage, farmland275,762 276,790 
Mortgage, 1 to 4 family first liens1,290,463 1,261,877 
Mortgage, 1 to 4 family junior liens141,187 143,317 
Mortgage, multi-family536,449 494,282 
Mortgage, commercial581,986 565,177 
Loans to individuals30,205 28,763 
Obligations of state and political subdivisions41,977 41,885 
Gross Loans (ex net unamortized fees and costs)3,648,984 3,564,732 
Net unamortized fees and costs291 291 
Gross Loans3,649,275 3,565,023 
Less allowance for credit losses54,921 58,204 
Loans, net allowance for credit losses$3,594,354 $3,506,819 
Schedule of changes in allowance for loan losses
Changes in the allowance for credit losses (ACL) on loans for the three and six months ended June 30, 2026 and 2025 are as follows:
Three Months Ended June 30, 2026
March 31, 2026Charge-offsRecoveriesCredit loss expense (benefit)June 30, 2026
(Amounts In Thousands)
ACL on loans:
Agricultural$487 $(4)$14 $(141)$356 
Commercial and financial10,862 (158)438 (979)10,163 
Real estate:
Construction, 1 to 4 family residential761 — — (85)676 
Construction, land development and commercial3,485 (137)— 52 3,400 
Mortgage, farmland1,930 — 90 (101)1,919 
Mortgage, 1 to 4 family first liens20,974 (171)426 (976)20,253 
Mortgage, 1 to 4 family junior liens5,517 (59)141 (318)5,281 
Mortgage, multi-family2,358 — 59 114 2,531 
Mortgage, commercial9,251 (75)117 7 9,300 
Loans to individuals964 (119)106 79 1,030 
Obligations of state and political subdivisions12 — — — 12 
Total$56,601 $(723)$1,391 $(2,348)$54,921 
Six Months Ended June 30, 2026
December 31, 2025Charge-offsRecoveriesCredit loss expense (benefit)June 30, 2026
(Amounts In Thousands)
ACL on loans:
Agricultural$418 $(25)$31 $(68)$356 
Commercial and financial11,890 (435)760 (2,052)10,163 
Real estate:
Construction, 1 to 4 family residential617 (152)— 211 676 
Construction, land development and commercial3,165 (137)15 357 3,400 
Mortgage, farmland2,478 (68)91 (582)1,919 
Mortgage, 1 to 4 family first liens20,959 (647)532 (591)20,253 
Mortgage, 1 to 4 family junior liens5,639 (259)187 (286)5,281 
Mortgage, multi-family2,345 — 192 (6)2,531 
Mortgage, commercial9,855 (176)122 (501)9,300 
Loans to individuals826 (290)229 265 1,030 
Obligations of state and political subdivisions12 — — — 12 
Total$58,204 $(2,189)$2,159 $(3,253)$54,921 
Three Months Ended June 30, 2025
March 31, 2025Charge-offsRecoveriesCredit loss expense (benefit)June 30, 2025
(Amounts In Thousands)
ACL on loans:
Agricultural$783 $— $44 $(63)$764 
Commercial and financial10,901 (302)433 (356)10,676 
Real estate:
Construction, 1 to 4 family residential322 — 7 (9)320 
Construction, land development and commercial2,145 — 2 125 2,272 
Mortgage, farmland3,469 — 1 (140)3,330 
Mortgage, 1 to 4 family first liens18,639 (61)149 834 19,561 
Mortgage, 1 to 4 family junior liens4,642 (79)80 387 5,030 
Mortgage, multi-family2,930 — 80 (76)2,934 
Mortgage, commercial8,137 (200)9 305 8,251 
Loans to individuals970 (318)118 100 870 
Obligations of state and political subdivisions12 — — — 12 
Total$52,950 $(960)$923 $1,107 $54,020 
Six Months Ended June 30, 2025
December 31, 2024Charge-offsRecoveriesCredit loss expense (benefit)June 30, 2025
(Amounts In Thousands)
ACL on loans:
Agricultural$674 $(35)$150 $(25)$764 
Commercial and financial10,217 (553)681 331 10,676 
Real estate:
Construction, 1 to 4 family residential280 (232)32 240 320 
Construction, land development and commercial2,113 (19)4 174 2,272 
Mortgage, farmland3,252 — 14 64 3,330 
Mortgage, 1 to 4 family first liens18,210 (389)222 1,518 19,561 
Mortgage, 1 to 4 family junior liens4,719 (136)169 278 5,030 
Mortgage, multi-family2,828 (200)94 212 2,934 
Mortgage, commercial7,525 (437)18 1,145 8,251 
Loans to individuals1,109 (692)212 241 870 
Obligations of state and political subdivisions13 — — (1)12 
Total$50,940 $(2,693)$1,596 $4,177 $54,020 

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)
June 30, 2026
Agricultural$2,489 $— $2,489 $— 
Commercial and financial1,808 1,082 2,890 3 
Real estate:
Construction, 1 to 4 family residential366 — 366 — 
Construction, land development and commercial2,681 — 2,681 19 
Mortgage, farmland6,360 — 6,360 — 
Mortgage, 1 to 4 family first liens9,239 — 9,239 158 
Mortgage, 1 to 4 family junior liens173 — 173 — 
Mortgage, multi-family1,921 — 1,921 — 
Mortgage, commercial3,192 — 3,192 27 
Loans to individuals— — — — 
$28,229 $1,082 $29,311 $207 
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 and six months ended June 30, 2026 and 2025 were as follows:
Three Months Ended June 30, 2026
March 31, 2026Credit loss (benefit) expense (Charge-offs), net recoveriesJune 30, 2026
(Amounts In Thousands)
ACL for off-balance sheet credit exposures:
Agricultural$448 $(358)$— $90 
Commercial and financial1,759 341 — 2,100 
Real estate:
Construction, 1 to 4 family residential307 31 — 338 
Construction, land development and commercial1,019 717 — 1,736 
Mortgage, farmland47 (17)— 30 
Mortgage, 1 to 4 family first liens69 137 — 206 
Mortgage, 1 to 4 family junior liens503 (89)— 414 
Mortgage, multi-family82 (40)— 42 
Mortgage, commercial26 128 — 154 
Loans to individuals42 77 — 119 
Obligations of state and political subdivisions38 (37)— 1 
Total$4,340 $890 $— $5,230 
Six Months Ended June 30, 2026
December 31, 2025Credit loss (benefit) expense(Charge-offs), net recoveriesJune 30, 2026
(Amounts In Thousands)
ACL for off-balance sheet credit exposures:
Agricultural$88 $2 $— $90 
Commercial and financial2,376 (276)— 2,100 
Real estate:
Construction, 1 to 4 family residential410 (72)— 338 
Construction, land development and commercial844 892 — 1,736 
Mortgage, farmland71 (41)— 30 
Mortgage, 1 to 4 family first liens122 84 — 206 
Mortgage, 1 to 4 family junior liens435 (21)— 414 
Mortgage, multi-family30 12 — 42 
Mortgage, commercial62 92 — 154 
Loans to individuals56 63 — 119 
Obligations of state and political subdivisions7 (6)— 1 
Total$4,501 $729 $— $5,230 
Three Months Ended June 30, 2025
March 31, 2025Credit loss (benefit) expense(Charge-offs), net recoveriesJune 30, 2025
(Amounts In Thousands)
ACL for off-balance sheet credit exposures:
Agricultural$148 $22 $— $170 
Commercial and financial2,319 (112)— 2,207 
Real estate:
Construction, 1 to 4 family residential142 (9)— 133 
Construction, land development and commercial329 119 — 448 
Mortgage, farmland41 11 — 52 
Mortgage, 1 to 4 family first liens231 (66)— 165 
Mortgage, 1 to 4 family junior liens295 30 — 325 
Mortgage, multi-family24 15 — 39 
Mortgage, commercial123 12 — 135 
Loans to individuals47 8 — 55 
Obligations of state and political subdivisions1 — — 1 
Total$3,700 $30 $— $3,730 
Six Months Ended June 30, 2025
December 31, 2024Credit loss (benefit) expense(Charge-offs), net recoveriesJune 30, 2025
(Amounts In Thousands)
ACL for off-balance sheet credit exposures:
Agricultural$147 $23 $— $170 
Commercial and financial1,753 454 — 2,207 
Real estate:
Construction, 1 to 4 family residential179 (46)— 133 
Construction, land development and commercial306 142 — 448 
Mortgage, farmland13 39 — 52 
Mortgage, 1 to 4 family first liens120 45 — 165 
Mortgage, 1 to 4 family junior liens292 33 — 325 
Mortgage, multi-family1 38 — 39 
Mortgage, commercial45 90 — 135 
Loans to individuals43 12 — 55 
Obligations of state and political subdivisions1 — — 1 
Total$2,900 $830 $— $3,730 
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 June 30, 2026 (amounts in thousands):
Agricultural
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$1,447 $75 $— $141 $138 $774 $4,246 $6,821 
Good1,554 1,231 1,080 1,115 538 844 10,976 17,338 
Satisfactory4,011 2,382 2,473 769 889 2,574 24,007 37,105 
Monitor3,137 5,575 2,072 3,163 1,461 1,663 20,501 37,572 
Special Mention302 1,268 1,039 11 435 61 4,333 7,449 
Substandard— 100 1,940 146 150 — 1,458 3,794 
Total$10,451 $10,631 $8,604 $5,345 $3,611 $5,916 $65,521 $110,079 
Current-period gross write offs$— $2 $4 $14 $— $— $5 $25 
Commercial and Financial
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$176 $318 $188 $56 $26 $259 $6,534 $7,557 
Good2,542 1,745 3,230 12,747 7,828 4,889 34,765 67,746 
Satisfactory19,792 24,093 8,605 12,208 12,555 9,214 42,649 129,116 
Monitor3,890 12,016 4,887 7,554 5,818 4,423 29,395 67,983 
Special Mention1,262 957 1,253 1,816 1,175 445 1,221 8,129 
Substandard500 986 746 906 587 1,359 1,186 6,270 
Total$28,162 $40,115 $18,909 $35,287 $27,989 $20,589 $115,750 $286,801 
Current-period gross write offs$— $— $47 $220 $46 $118 $4 $435 
Real Estate: Construction, 1 to 4 Family Residential
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $— $— $— $— 
Good— — — — — — 7,053 7,053 
Satisfactory148 1,097 — 1,648 — — 46,961 49,854 
Monitor— 113 — — — — 33,933 34,046 
Special Mention— 931 379 — 250 42 1,408 3,010 
Substandard— 59 306 52 — — 328 745 
Total$148 $2,200 $685 $1,700 $250 $42 $89,683 $94,708 
Current-period gross write offs$— $1 $4 $147 $— $— $— $152 
Real Estate: Construction, Land Development and Commercial
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $— $4,600 $7,879 $12,479 
Good1,010 555 165 — 85 145 4,019 5,979 
Satisfactory6,213 9,916 2,338 3,048 1,749 4,051 62,579 89,894 
Monitor1,000 1,097 2,607 168 8,577 2,021 78,975 94,445 
Special Mention— 8,280 3,490 10,000 — 1,171 30,833 53,774 
Substandard— — — 379 1,024 1,393 — 2,796 
Total$8,223 $19,848 $8,600 $13,595 $11,435 $13,381 $184,285 $259,367 
Current-period gross write offs$— $— $— $22 $115 $— $— $137 
Real Estate: Mortgage, Farmland
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$1,041 $847 $361 $1,681 $1,936 $5,192 $646 $11,704 
Good3,653 3,373 4,084 1,705 4,972 22,989 3,491 44,267 
Satisfactory14,736 19,001 6,375 13,344 20,833 42,676 10,896 127,861 
Monitor4,033 10,241 2,712 11,204 14,011 24,144 5,751 72,096 
Special Mention3,997 213 — 1,341 2,899 1,524 564 10,538 
Substandard— 697 — 1,988 1,786 2,496 2,329 9,296 
Total$27,460 $34,372 $13,532 $31,263 $46,437 $99,021 $23,677 $275,762 
Current-period gross write offs$— $— $— $— $— $68 $— $68 
Real Estate: Mortgage, 1 to 4 Family First Liens
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $1,399 $— $877 $3,063 $3,222 $217 $8,778 
Good2,759 6,779 4,281 3,060 5,608 31,165 4,535 58,187 
Satisfactory108,542 206,434 57,767 119,789 225,563 330,347 13,089 1,061,531 
Monitor6,094 12,575 8,510 10,899 18,889 42,866 10,827 110,660 
Special Mention285 323 1,096 3,748 4,192 13,581 1,219 24,444 
Substandard1 272 424 4,297 5,061 16,467 341 26,863 
Total$117,681 $227,782 $72,078 $142,670 $262,376 $437,648 $30,228 $1,290,463 
Current-period gross write offs$— $35 $25 $226 $305 $56 $— $647 
Real Estate: Mortgage, 1 to 4 Family Junior Liens
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $12 $4 $9 $25 
Good— 21 — — 369 575 3,518 4,483 
Satisfactory6,925 9,153 2,218 5,203 7,856 16,063 78,781 126,199 
Monitor46 391 259 139 817 1,273 3,197 6,122 
Special Mention— — 48 201 200 546 871 1,866 
Substandard41 32 166 331 103 577 1,242 2,492 
Total$7,012 $9,597 $2,691 $5,874 $9,357 $19,038 $87,618 $141,187 
Current-period gross write offs$— $12 $8 $38 $101 $100 $— $259 
Real Estate: Mortgage, Multi-Family
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$2,500 $2,279 $— $— $271 $51,785 $— $56,835 
Good592 2,329 — 9,444 44,526 38,443 12,554 107,888 
Satisfactory47,929 22,710 4,487 18,682 34,794 84,553 32,473 245,628 
Monitor6,810 10,547 12,288 5,553 21,275 14,753 30,250 101,476 
Special Mention— — — 14,283 1,727 3,200 1,619 20,829 
Substandard— — — 2,890 — 903 — 3,793 
Total$57,831 $37,865 $16,775 $50,852 $102,593 $193,637 $76,896 $536,449 
Current-period gross write offs$— $— $— $— $— $— $— $— 
Real Estate: Mortgage, Commercial
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $3,538 $96 $— $— $21,363 $5,505 $30,502 
Good1,177 1,900 5,858 6,744 10,877 46,879 20,572 94,007 
Satisfactory20,735 28,680 16,010 20,041 48,897 71,781 37,095 243,239 
Monitor4,702 27,739 10,374 12,462 15,132 24,274 70,223 164,906 
Special Mention— 10,108 941 14,302 3,527 6,407 — 35,285 
Substandard282 351 682 3,360 1,004 8,368 — 14,047 
Total$26,896 $72,316 $33,961 $56,909 $79,437 $179,072 $133,395 $581,986 
Current-period gross write offs$— $— $— $100 $— $76 $— $176 
Loans to Individuals
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$23 $— $— $— $— $— $— $23 
Good— 38 41 — — 7 — 86 
Satisfactory6,461 4,151 2,219 1,842 1,161 329 13,304 29,467 
Monitor11 121 20 45 22 9 2 230 
Special Mention8 106 52 87 — — 2 255 
Substandard— 18 31 16 32 47 — 144 
Total$6,503 $4,434 $2,363 $1,990 $1,215 $392 $13,308 $30,205 
Current-period gross write offs$170 $11 $62 $40 $5 $2 $— $290 
Obligations of State and Political Subdivisions
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$— $— $— $— $— $2,166 $— $2,166 
Good— — — — — 15,201 2,974 18,175 
Satisfactory1,628 527 783 1,313 1,441 6,741 971 13,404 
Monitor282 550 — — 690 2,568 2,749 6,839 
Special Mention— — 430 — 297 102 — 829 
Substandard— — — — — 564 — 564 
Total$1,910 $1,077 $1,213 $1,313 $2,428 $27,342 $6,694 $41,977 
Current-period gross write offs$— $— $— $— $— $— $— $— 
Totals
June 30, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Excellent$5,187 $8,456 $645 $2,755 $5,446 $89,365 $25,036 $136,890 
Good13,287 17,971 18,739 34,815 74,803 161,137 104,457 425,209 
Satisfactory237,120 328,144 103,275 197,887 355,738 568,329 362,805 2,153,298 
Monitor30,005 80,965 43,729 51,187 86,692 117,994 285,803 696,375 
Special Mention5,854 22,186 8,728 45,789 14,702 27,079 42,070 166,408 
Substandard824 2,515 4,295 14,365 9,747 32,174 6,884 70,804 
Total$292,277 $460,237 $179,411 $346,798 $547,128 $996,078 $827,055 $3,648,984 
Current-period gross write offs$170 $61 $150 $807 $572 $420 $9 $2,189 


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 June 30, 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)
June 30, 2026
Agricultural$477 $— $— $477 $109,602 $110,079 $— 
Commercial and financial544 206 457 1,207 285,594 286,801 — 
Real estate:
Construction, 1 to 4 family residential2,369 1,346 52 3,767 90,941 94,708 — 
Construction, land development and commercial16,270 — 977 17,247 242,120 259,367 — 
Mortgage, farmland162 — 660 822 274,940 275,762 — 
Mortgage, 1 to 4 family first liens2,431 4,061 5,364 11,856 1,278,607 1,290,463 759 
Mortgage, 1 to 4 family junior liens245 45 74 364 140,823 141,187 42 
Mortgage, multi-family41 — — 41 536,408 536,449 — 
Mortgage, commercial470 208 455 1,133 580,853 581,986 — 
Loans to individuals312 73 — 385 29,820 30,205 — 
Obligations of state and political subdivisions— — — — 41,977 41,977 — 
$23,321 $5,939 $8,039 $37,299 $3,611,685 $3,648,984 $801 
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 June 30, 2026 and December 31, 2025, was as follows:

June 30, 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$173 $173 $364 $364 
Commercial and financial610 610 2,624 2,624 
Real estate:
Construction, 1 to 4 family residential417 417 — — 
Construction, land development and commercial1,251 1,251 551 551 
Mortgage, farmland660 660 660 660 
Mortgage, 1 to 4 family first liens9,085 8,932 9,560 9,560 
Mortgage, 1 to 4 family junior liens174 169 251 251 
Mortgage, multi-family41 41 1,790 1,790 
Mortgage, commercial1,391 1,391 1,813 1,813 
$13,802 $13,644 $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 June 30, 2026Three Months Ended June 30, 2025
Amortized Cost Basis% of Total Class of Financing ReceivableAmortized Cost Basis % of Total Class of Financing Receivable
Loan Type
AgriculturalTerm extension$598 0.54%$— —%
Commercial and financialTerm extension187 0.07152 0.05
Mortgage, farmlandTerm extension3,077 1.12— —
Mortgage, 1 to 4 family first liensTerm extension154 0.01177 0.01
Mortgage, commercial Term extension283 0.05— —
$4,299 $329 
Loan Modifications Made to Borrowers Experiencing Financial Difficulty
Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Amortized Cost Basis% of Total Class of Financing ReceivableAmortized Cost Basis% of Total Class of Financing Receivable
Loan Type
AgriculturalTerm extension$598 0.54%$— —%
Agricultural (1)Interest rate reduction1,718 1.56— —
Commercial and financialTerm extension1,509 0.53767 0.25
Construction, 1 to 4 family residentialTerm extension365 0.39150 0.17
Construction, land development and commercialTerm extension— 196 0.07
Mortgage, farmlandTerm extension3,378 1.22— —
Mortgage, 1 to 4 family first liensTerm extension154 0.01177 0.01
Mortgage, commercialTerm extension282 0.05— —
Total$8,004 $1,290 

(1)Interest rate concession reduced interest rate by 2.00%. 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 June 30, 2026Three Months Ended June 30, 2025
Loan TypeAdded Weighted Average Life (Years)Added Weighted Average Life (Years)
Agricultural4.40.0
Commercial and financial1.00.9
Mortgage, Farmland 7.00.0
Mortgage, 1 to 4 family first liens5.20.6
Mortgage, commercial3.00.0
Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Loan TypeAdded Weighted Average Life (Years)Added Weighted Average Life (Years)
Agricultural4.40.0
Commercial and financial4.11.0
Construction, 1 to 4 family residential0.30.8
Construction, land development and commercial0.00.9
Mortgage, Farmland6.90.0
Mortgage, 1 to 4 family first liens5.20.6
Mortgage, commercial3.00.0
The following table depicts the performance of loans that have been modified in the last 12 months (numbers in thousands):
June 30, 2026 Payment Status (Amortized Cost Basis)
Current30-89 Days Past Due90+ Days Past Due
Loan Type
Agricultural$2,316 $— $— 
Commercial and financial2,073 — — 
Construction, 1 to 4 family residential— 365 — 
Mortgage, farmland3,377 — — 
Mortgage, 1 to 4 family first liens154 — — 
Mortgage, commercial768 — — 
$8,688 $365 $— 
June 30, 2025 Payment Status (Amortized Cost Basis)
Current30-89 Days Past Due90+ Days Past Due
Loan Type
Agricultural$2,600 $— $— 
Commercial and financial1,171 — — 
Construction, 1 to 4 family residential150 — — 
Construction, land development and commercial1,725 — — 
Mortgage, 1 to 4 family first liens177 — — 
Mortgage, commercial763 — — 
$6,586 $— $—