v3.26.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Classes of loan portfolio summarized by risk rating and year of origination and year-to-date gross charge-offs (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Dec. 31, 2025
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 $ 85,453   $ 85,453   $ 123,180
2025/2024 119,135   119,135   106,185
2024/2023 99,789   99,789   119,577
2023/2022 113,391   113,391   153,340
2022/2021 139,570   139,570   123,935
Prior 391,085   391,085   320,444
Subtotal: Total Loans 948,423   948,423   946,661
Financing Receivable, Total 948,423 $ 958,935 948,423 $ 958,935 946,661
Gross Charge Offs:          
2026/2025     7   1
2025/2024         8
2024/2023     17   459
2023/2022     11   2,503
2022/2021         2
Prior     16   21
Total Gross Charge Offs 17 70 51 441 2,994
Pass          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 83,438   83,438   122,237
2025/2024 117,635   117,635   105,792
2024/2023 99,398   99,398   117,572
2023/2022 102,375   102,375   149,669
2022/2021 135,486   135,486   121,871
Prior 367,754   367,754   300,729
Subtotal: Total Loans 906,086   906,086   917,870
Special Mention          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025         863
2025/2024 929   929   393
2024/2023 391   391   1,995
2023/2022 11,016   11,016   282
2022/2021 279   279   804
Prior 4,051   4,051   13
Subtotal: Total Loans 16,666   16,666   4,350
Substandard          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 2,015   2,015   80
2025/2024 571   571    
2024/2023         10
2023/2022         3,389
2022/2021 3,805   3,805   1,260
Prior 19,280   19,280   19,702
Subtotal: Total Loans 25,671   25,671   24,441
Real Estate          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 69,610   69,610   106,328
2025/2024 102,006   102,006   98,110
2024/2023 93,157   93,157   102,580
2023/2022 97,069   97,069   147,191
2022/2021 133,961   133,961   107,764
Prior 349,415   349,415   291,695
Subtotal: Total Loans 845,218   845,218   853,668
Financing Receivable, Total 845,218 864,608 845,218 864,608 853,668
Gross Charge Offs:          
2024/2023         10
2023/2022         2,000
Prior         7
Total Gross Charge Offs   17   17 2,017
Real Estate | Pass          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 67,619   67,619   105,385
2025/2024 101,222   101,222   98,017
2024/2023 93,065   93,065   100,585
2023/2022 95,093   95,093   143,520
2022/2021 129,940   129,940   105,700
Prior 326,094   326,094   272,003
Subtotal: Total Loans 813,033   813,033   825,210
Real Estate | Special Mention          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025         863
2025/2024 213   213   93
2024/2023 92   92   1,995
2023/2022 1,976   1,976   282
2022/2021 279   279   804
Prior 4,051   4,051    
Subtotal: Total Loans 6,611   6,611   4,037
Real Estate | Substandard          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 1,991   1,991   80
2025/2024 571   571    
2023/2022         3,389
2022/2021 3,742   3,742   1,260
Prior 19,270   19,270   19,692
Subtotal: Total Loans 25,574   25,574   24,421
Agricultural          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025         24
2025/2024 114   114   168
2024/2023 155   155   151
2023/2022 212   212   24
2022/2021 22   22    
Prior 738   738   617
Subtotal: Total Loans 1,241   1,241   984
Financing Receivable, Total 1,241 1,108 1,241 1,108 984
Agricultural | Pass          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025         24
2025/2024 114   114   168
2024/2023 155   155   151
2023/2022 212   212   24
2022/2021 22   22    
Prior 738   738   617
Subtotal: Total Loans 1,241   1,241   984
Commercial and Industrial          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 5,730   5,730   14,374
2025/2024 14,699   14,699   6,597
2024/2023 5,586   5,586   15,050
2023/2022 14,523   14,523   4,414
2022/2021 3,983   3,983   3,303
Prior 23,504   23,504   23,186
Subtotal: Total Loans 68,025   68,025   66,924
Financing Receivable, Total 68,025 64,908 68,025 64,908 66,924
Gross Charge Offs:          
2026/2025     7    
2024/2023         442
2023/2022         500
Total Gross Charge Offs 7 45 7 406 942
Commercial and Industrial | Pass          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 5,720   5,720   14,374
2025/2024 13,983   13,983   6,297
2024/2023 5,287   5,287   15,040
2023/2022 5,483   5,483   4,414
2022/2021 3,920   3,920   3,303
Prior 23,504   23,504   23,186
Subtotal: Total Loans 57,897   57,897   66,614
Commercial and Industrial | Special Mention          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2025/2024 716   716   300
2024/2023 299   299    
2023/2022 9,040   9,040    
Subtotal: Total Loans 10,055   10,055   300
Commercial and Industrial | Substandard          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 10   10    
2024/2023         10
2022/2021 63   63    
Subtotal: Total Loans 73   73   10
Consumer          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 1,219   1,219   1,593
2025/2024 992   992   1,310
2024/2023 891   891   657
2023/2022 460   460   337
2022/2021 230   230   340
Prior 827   827   716
Subtotal: Total Loans 4,619   4,619   4,953
Financing Receivable, Total 4,619 6,295 4,619 6,295 4,953
Gross Charge Offs:          
2026/2025         1
2025/2024         8
2024/2023     17   7
2023/2022     11   3
2022/2021         2
Prior     16   14
Total Gross Charge Offs 10 8 44 18 35
Consumer | Pass          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 1,205   1,205   1,593
2025/2024 992   992   1,310
2024/2023 891   891   657
2023/2022 460   460   337
2022/2021 230   230   340
Prior 817   817   693
Subtotal: Total Loans 4,595   4,595   4,930
Consumer | Special Mention          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
Prior         13
Subtotal: Total Loans         13
Consumer | Substandard          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 14   14    
Prior 10   10   10
Subtotal: Total Loans 24   24   10
State and Political Subdivisions          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 8,894   8,894   861
2025/2024 1,324   1,324    
2024/2023         1,139
2023/2022 1,127   1,127   1,374
2022/2021 1,374   1,374   12,528
Prior 16,601   16,601   4,230
Subtotal: Total Loans 29,320   29,320   20,132
Financing Receivable, Total 29,320 $ 22,016 29,320 $ 22,016 20,132
State and Political Subdivisions | Pass          
LOANS AND ALLOWANCE FOR CREDIT LOSSES          
2026/2025 8,894   8,894   861
2025/2024 1,324   1,324    
2024/2023         1,139
2023/2022 1,127   1,127   1,374
2022/2021 1,374   1,374   12,528
Prior 16,601   16,601   4,230
Subtotal: Total Loans $ 29,320   $ 29,320   $ 20,132