| Schedule of Activity in Allowance for Credit Losses |
The following tables detail activity in the allowance for credit losses: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2026 | | (dollars in thousands) | Commercial and Industrial | | Commercial Real Estate Owner Occupied | | Commercial Real Estate Non-owner Occupied | | Construction and Land Development | | Multi-Family | | One-to-four Family Residential | | Agricultural and Farmland | | Municipal, Consumer, and Other | | Total | | | | | | | | | | | | | | | | | | | | Beginning balance | $ | 9,793 | | | $ | 8,406 | | | $ | 11,598 | | | $ | 6,507 | | | $ | 7,225 | | | $ | 5,645 | | | $ | 1,891 | | | $ | 9,409 | | | $ | 60,474 | | | | | | | | | | | | | | | | | | | | | Provision for credit losses | (839) | | | (697) | | | (72) | | | 1,353 | | | 162 | | | 33 | | | 260 | | | (210) | | | (10) | | | Charge-offs | (104) | | | (7) | | | — | | | (6) | | | — | | | (1) | | | — | | | (196) | | | (314) | | | Recoveries | 85 | | | 2 | | | 87 | | | 75 | | | 4 | | | 59 | | | 24 | | | 78 | | | 414 | | | Ending balance | $ | 8,935 | | | $ | 7,704 | | | $ | 11,613 | | | $ | 7,929 | | | $ | 7,391 | | | $ | 5,736 | | | $ | 2,175 | | | $ | 9,081 | | | $ | 60,564 | | | | | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2025 | | (dollars in thousands) | Commercial and Industrial | | Commercial Real Estate Owner Occupied | | Commercial Real Estate Non-owner Occupied | | Construction and Land Development | | Multi-Family | | One-to-four Family Residential | | Agricultural and Farmland | | Municipal, Consumer, and Other | | Total | | | | | | | | | | | | | | | | | | | | Beginning balance | $ | 6,086 | | | $ | 3,300 | | | $ | 11,193 | | | $ | 4,621 | | | $ | 4,118 | | | $ | 3,755 | | | $ | 1,316 | | | $ | 7,722 | | | $ | 42,111 | | | | | | | | | | | | | | | | | | | | | Provision for credit losses | 837 | | | (20) | | | 442 | | | (1,172) | | | 479 | | | 311 | | | 233 | | | (515) | | | 595 | | | Charge-offs | (659) | | | — | | | — | | | (2) | | | (43) | | | (432) | | | (9) | | | (107) | | | (1,252) | | | Recoveries | 46 | | | 31 | | | — | | | 3 | | | — | | | 43 | | | 18 | | | 64 | | | 205 | | | Ending balance | $ | 6,310 | | | $ | 3,311 | | | $ | 11,635 | | | $ | 3,450 | | | $ | 4,554 | | | $ | 3,677 | | | $ | 1,558 | | | $ | 7,164 | | | $ | 41,659 | | | | | | | | | | | | | | | | | | | | | Six Months Ended June 30, 2026 | | (dollars in thousands) | Commercial and Industrial | | Commercial Real Estate Owner Occupied | | Commercial Real Estate Non-owner Occupied | | Construction and Land Development | | Multi-Family | | One-to-four Family Residential | | Agricultural and Farmland | | Municipal, Consumer, and Other | | Total | | | | | | | | | | | | | | | | | | | | Beginning balance | $ | 6,975 | | | $ | 4,383 | | | $ | 8,705 | | | $ | 3,899 | | | $ | 5,484 | | | $ | 3,535 | | | $ | 758 | | | $ | 7,951 | | | $ | 41,690 | | | Allowance established in acquisition | $ | 3,415 | | | $ | 3,775 | | | $ | 3,103 | | | $ | 3,475 | | | $ | 2,117 | | | $ | 2,202 | | | $ | 991 | | | $ | 879 | | | $ | 19,957 | | | Provision for credit losses | (975) | | | (205) | | | (297) | | | 486 | | | (217) | | | (84) | | | 398 | | | 469 | | | (425) | | | Charge-offs | (688) | | | (253) | | | — | | | (7) | | | — | | | (7) | | | — | | | (360) | | | (1,315) | | | Recoveries | 208 | | | 4 | | | 102 | | | 76 | | | 7 | | | 90 | | | 28 | | | 142 | | | 657 | | | Ending balance | $ | 8,935 | | | $ | 7,704 | | | $ | 11,613 | | | $ | 7,929 | | | $ | 7,391 | | | $ | 5,736 | | | $ | 2,175 | | | $ | 9,081 | | | $ | 60,564 | | | | | | | | | | | | | | | | | | | | | Six Months Ended June 30, 2025 | | (dollars in thousands) | Commercial and Industrial | | Commercial Real Estate Owner Occupied | | Commercial Real Estate Non-owner Occupied | | Construction and Land Development | | Multi-Family | | One-to-four Family Residential | | Agricultural and Farmland | | Municipal, Consumer, and Other | | Total | | | | | | | | | | | | | | | | | | | | Beginning balance | $ | 5,357 | | | $ | 3,107 | | | $ | 11,707 | | | $ | 4,302 | | | $ | 4,331 | | | $ | 3,908 | | | $ | 1,170 | | | $ | 8,162 | | | $ | 42,044 | | | | | | | | | | | | | | | | | | | | | Provision for credit losses | 1,892 | | | 172 | | | (72) | | | (848) | | | 266 | | | 199 | | | 341 | | | (859) | | | 1,091 | | | Charge-offs | (1,044) | | | (1) | | | — | | | (8) | | | (43) | | | (517) | | | (9) | | | (295) | | | (1,917) | | | Recoveries | 105 | | | 33 | | | — | | | 4 | | | — | | | 87 | | | 56 | | | 156 | | | 441 | | | Ending balance | $ | 6,310 | | | $ | 3,311 | | | $ | 11,635 | | | $ | 3,450 | | | $ | 4,554 | | | $ | 3,677 | | | $ | 1,558 | | | $ | 7,164 | | | $ | 41,659 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
The following tables present loans and the related allowance for credit losses by category: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | (dollars in thousands) | | Commercial and Industrial | | Commercial Real Estate Owner Occupied | | Commercial Real Estate Non-owner Occupied | | Construction and Land Development | | Multi-Family | | One-to-four Family Residential | | Agricultural and Farmland | | Municipal, Consumer, and Other | | Total | | | | | | | | | | | | | | | | | | | | | Loan balances: | | | | | | | | | | | | | | | | | | | | Collectively evaluated | | $ | 523,650 | | | $ | 505,671 | | | $ | 1,124,418 | | | $ | 429,793 | | | $ | 666,586 | | | $ | 573,633 | | | $ | 593,856 | | | $ | 308,194 | | | $ | 4,725,801 | | | Individually evaluated | | 1,540 | | | 1,492 | | | 4,176 | | | — | | | — | | | 5,979 | | | 128 | | | 13,302 | | | 26,617 | | | Total | | $ | 525,190 | | | $ | 507,163 | | | $ | 1,128,594 | | | $ | 429,793 | | | $ | 666,586 | | | $ | 579,612 | | | $ | 593,984 | | | $ | 321,496 | | | $ | 4,752,418 | | | | | | | | | | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | | | | | | | | Collectively evaluated | | $ | 8,442 | | | $ | 7,339 | | | $ | 11,613 | | | $ | 7,929 | | | $ | 7,391 | | | $ | 5,655 | | | $ | 2,175 | | | $ | 8,198 | | | $ | 58,742 | | | Individually evaluated | | 493 | | | 365 | | | — | | | — | | | — | | | 81 | | | — | | | 883 | | | 1,822 | | | Total | | $ | 8,935 | | | $ | 7,704 | | | $ | 11,613 | | | $ | 7,929 | | | $ | 7,391 | | | $ | 5,736 | | | $ | 2,175 | | | $ | 9,081 | | | $ | 60,564 | | | | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | (dollars in thousands) | | Commercial and Industrial | | Commercial Real Estate Owner Occupied | | Commercial Real Estate Non-owner Occupied | | Construction and Land Development | | Multi-Family | | One-to-four Family Residential | | Agricultural and Farmland | | Municipal, Consumer, and Other | | Total | | | | | | | | | | | | | | | | | | | | | Loan balances: | | | | | | | | | | | | | | | | | | | | Collectively evaluated | | $ | 398,573 | | | $ | 318,669 | | | $ | 932,972 | | | $ | 280,254 | | | $ | 544,941 | | | $ | 442,029 | | | $ | 274,086 | | | $ | 239,364 | | | $ | 3,430,888 | | | Individually evaluated | | 1,187 | | | 1,765 | | | 4,122 | | | — | | | — | | | 3,434 | | | 1,165 | | | 13,648 | | | 25,321 | | | Total | | $ | 399,760 | | | $ | 320,434 | | | $ | 937,094 | | | $ | 280,254 | | | $ | 544,941 | | | $ | 445,463 | | | $ | 275,251 | | | $ | 253,012 | | | $ | 3,456,209 | | | | | | | | | | | | | | | | | | | | | | Allowance for credit losses: | | | | | | | | | | | | | | | | | | | | Collectively evaluated | | $ | 6,739 | | | $ | 3,764 | | | $ | 8,705 | | | $ | 3,899 | | | $ | 5,484 | | | $ | 3,525 | | | $ | 758 | | | $ | 6,691 | | | $ | 39,565 | | | Individually evaluated | | 236 | | | 619 | | | — | | | — | | | — | | | 10 | | | — | | | 1,260 | | | 2,125 | | | Total | | $ | 6,975 | | | $ | 4,383 | | | $ | 8,705 | | | $ | 3,899 | | | $ | 5,484 | | | $ | 3,535 | | | $ | 758 | | | $ | 7,951 | | | $ | 41,690 | |
The following tables present collateral dependent loans, by the primary collateral type, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | | Amortized Cost | | Allowance for Credit Losses | | | Primary Collateral Type | | | | | (dollars in thousands) | | Real Estate | | Vehicles | | Other | | Total | | | | | | | | | | | | | | Commercial and industrial | | $ | — | | | $ | 403 | | | $ | 1,137 | | | $ | 1,540 | | | $ | 493 | | | Commercial real estate - owner occupied | | 1,381 | | | — | | | 111 | | | 1,492 | | | 365 | | | Commercial real estate - non-owner occupied | | 4,125 | | | — | | | 51 | | | 4,176 | | | — | | | Construction and land development | | — | | | — | | | — | | | — | | | — | | | Multi-family | | — | | | — | | | — | | | — | | | — | | | One-to-four family residential | | 5,979 | | | — | | | — | | | 5,979 | | | 81 | | | Agricultural and farmland | | 39 | | | — | | | 89 | | | 128 | | | — | | | Municipal, consumer, and other | | 9,535 | | | — | | | 3,767 | | | 13,302 | | | 883 | | | Total | | $ | 21,059 | | | $ | 403 | | | $ | 5,155 | | | $ | 26,617 | | | $ | 1,822 | | | | | | | | | | | | | | | December 31, 2025 | | | Amortized Cost | | Allowance for Credit Losses | | | Primary Collateral Type | | | | | (dollars in thousands) | | Real Estate | | Vehicles | | Other | | Total | | | | | | | | | | | | | | Commercial and industrial | | $ | — | | | $ | 362 | | | $ | 825 | | | $ | 1,187 | | | $ | 236 | | | Commercial real estate - owner occupied | | 1,765 | | | — | | | — | | | 1,765 | | | 619 | | | Commercial real estate - non-owner occupied | | 4,122 | | | — | | | — | | | 4,122 | | | — | | | Construction and land development | | — | | | — | | | — | | | — | | | — | | | Multi-family | | — | | | — | | | — | | | — | | | — | | | One-to-four family residential | | 3,434 | | | — | | | — | | | 3,434 | | | 10 | | | Agricultural and farmland | | 736 | | | — | | | 429 | | | 1,165 | | | — | | | Municipal, consumer, and other | | 9,768 | | | — | | | 3,880 | | | 13,648 | | | 1,260 | | | Total | | $ | 19,825 | | | $ | 362 | | | $ | 5,134 | | | $ | 25,321 | | | $ | 2,125 | |
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| Schedule of Risk Ratings of Loans, Further Sorted by Origination Year |
Risk ratings of loans, further sorted by origination year, are as follows as of June 30, 2026: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (dollars in thousands) | | Term Loans by Origination Year | | Revolving Loans | | Revolving Loans Converted to Term | | Total | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | | | | Commercial and industrial | | | | | | | | | | | | | | | | | | | | Pass | | $ | 49,811 | | | $ | 60,476 | | | $ | 43,803 | | | $ | 41,237 | | | $ | 36,346 | | | $ | 35,890 | | | $ | 203,917 | | | $ | 1,924 | | | $ | 473,404 | | | Pass-Watch | | 300 | | | 412 | | | 2,234 | | | 1,416 | | | 486 | | | 1,097 | | | 24,587 | | | 1,182 | | | 31,714 | | | Special Mention | | — | | | — | | | 195 | | | — | | | 113 | | | 23 | | | 3,432 | | | — | | | 3,763 | | | Substandard | | 294 | | | 316 | | | 1,952 | | | 1,192 | | | 1,023 | | | 2,988 | | | 7,205 | | | 1,339 | | | 16,309 | | | Total | | $ | 50,405 | | | $ | 61,204 | | | $ | 48,184 | | | $ | 43,845 | | | $ | 37,968 | | | $ | 39,998 | | | $ | 239,141 | | | $ | 4,445 | | | $ | 525,190 | | | | | | | | | | | | | | | | | | | | | | Commercial real estate - owner occupied | | Pass | | $ | 26,295 | | | $ | 70,217 | | | $ | 69,040 | | | $ | 35,813 | | | $ | 70,985 | | | $ | 181,702 | | | $ | 21,847 | | | $ | 565 | | | $ | 476,464 | | | Pass-Watch | | — | | | 162 | | | — | | | 606 | | | 3,697 | | | 11,438 | | | — | | | 46 | | | 15,949 | | | Special Mention | | — | | | — | | | — | | | — | | | — | | | 1,785 | | | 1,500 | | | — | | | 3,285 | | | Substandard | | 157 | | | 243 | | | 189 | | | 144 | | | 2,370 | | | 8,338 | | | — | | | 24 | | | 11,465 | | | Total | | $ | 26,452 | | | $ | 70,622 | | | $ | 69,229 | | | $ | 36,563 | | | $ | 77,052 | | | $ | 203,263 | | | $ | 23,347 | | | $ | 635 | | | $ | 507,163 | | | | | | | | | | | | | | | | | | | | | | Commercial real estate - non-owner occupied | | Pass | | $ | 109,989 | | | $ | 169,289 | | | $ | 67,947 | | | $ | 84,923 | | | $ | 159,991 | | | $ | 439,752 | | | $ | 20,221 | | | $ | 3,290 | | | $ | 1,055,402 | | | Pass-Watch | | 3,088 | | | — | | | — | | | 2,063 | | | 4,007 | | | 42,188 | | | 756 | | | — | | | 52,102 | | | Special Mention | | — | | | — | | | — | | | — | | | — | | | 1,579 | | | — | | | — | | | 1,579 | | | Substandard | | 317 | | | — | | | 1,611 | | | 146 | | | 4,068 | | | 13,369 | | | — | | | — | | | 19,511 | | | Total | | $ | 113,394 | | | $ | 169,289 | | | $ | 69,558 | | | $ | 87,132 | | | $ | 168,066 | | | $ | 496,888 | | | $ | 20,977 | | | $ | 3,290 | | | $ | 1,128,594 | | | | | | | | | | | | | | | | | | | | | | Construction and land development | | Pass | | $ | 160,190 | | | $ | 198,154 | | | $ | 38,188 | | | $ | 803 | | | $ | 1,396 | | | $ | 19,046 | | | $ | 1,358 | | | $ | 1,005 | | | $ | 420,140 | | | Pass-Watch | | — | | | 685 | | | 242 | | | — | | | 17 | | | 2,255 | | | — | | | — | | | 3,199 | | | Special Mention | | — | | | 325 | | | — | | | — | | | — | | | — | | | — | | | 369 | | | 694 | | | Substandard | | — | | | 5,069 | | | — | | | — | | | — | | | 691 | | | — | | | — | | | 5,760 | | | Total | | $ | 160,190 | | | $ | 204,233 | | | $ | 38,430 | | | $ | 803 | | | $ | 1,413 | | | $ | 21,992 | | | $ | 1,358 | | | $ | 1,374 | | | $ | 429,793 | | | | | | | | | | | | | | | | | | | | | | Multi-family | | Pass | | $ | 38,131 | | | $ | 172,815 | | | $ | 49,439 | | | $ | 70,588 | | | $ | 60,333 | | | $ | 214,475 | | | $ | 4,943 | | | $ | 1,304 | | | $ | 612,028 | | | Pass-Watch | | 5,269 | | | — | | | — | | | 11,940 | | | 29,270 | | | 6,775 | | | — | | | — | | | 53,254 | | | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | Substandard | | — | | | — | | | — | | | 932 | | | — | | | 372 | | | — | | | — | | | 1,304 | | | Total | | $ | 43,400 | | | $ | 172,815 | | | $ | 49,439 | | | $ | 83,460 | | | $ | 89,603 | | | $ | 221,622 | | | $ | 4,943 | | | $ | 1,304 | | | $ | 666,586 | | | | | | | | | | | | | | | | | | | | | | One-to-four family residential | | Pass | | $ | 41,055 | | | $ | 76,221 | | | $ | 35,163 | | | $ | 52,545 | | | $ | 77,862 | | | $ | 180,671 | | | $ | 81,822 | | | $ | 6,556 | | | $ | 551,895 | | | Pass-Watch | | 2,244 | | | 1,640 | | | 148 | | | 224 | | | 1,455 | | | 5,601 | | | 719 | | | 331 | | | 12,362 | | | Special Mention | | 104 | | | — | | | — | | | 310 | | | 881 | | | — | | | 25 | | | — | | | 1,320 | | | Substandard | | 449 | | | 1,287 | | | 1,018 | | | 1,796 | | | 511 | | | 8,435 | | | 270 | | | 269 | | | 14,035 | | | Total | | $ | 43,852 | | | $ | 79,148 | | | $ | 36,329 | | | $ | 54,875 | | | $ | 80,709 | | | $ | 194,707 | | | $ | 82,836 | | | $ | 7,156 | | | $ | 579,612 | | | | | | | | | | | | | | | | | | | | | | Agricultural and farmland | | Pass | | $ | 35,688 | | | $ | 68,437 | | | $ | 39,022 | | | $ | 26,965 | | | $ | 20,486 | | | $ | 138,951 | | | $ | 148,326 | | | $ | 3,730 | | | $ | 481,605 | | | Pass-Watch | | 869 | | | 10,917 | | | 2,760 | | | 5,323 | | | 3,434 | | | 31,215 | | | 20,987 | | | 526 | | | 76,031 | | | Special Mention | | 550 | | | 2,801 | | | 74 | | | 2,076 | | | 602 | | | 2,280 | | | 8,392 | | | 315 | | | 17,090 | | | Substandard | | 780 | | | 1,835 | | | 492 | | | 451 | | | — | | | 9,706 | | | 5,994 | | | — | | | 19,258 | | | Total | | $ | 37,887 | | | $ | 83,990 | | | $ | 42,348 | | | $ | 34,815 | | | $ | 24,522 | | | $ | 182,152 | | | $ | 183,699 | | | $ | 4,571 | | | $ | 593,984 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (dollars in thousands) | | Term Loans by Origination Year | | Revolving Loans | | Revolving Loans Converted to Term | | Total | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | | | | Municipal, consumer, and other | | Pass | | $ | 66,209 | | | $ | 49,540 | | | $ | 22,074 | | | $ | 12,893 | | | $ | 14,571 | | | $ | 73,568 | | | $ | 69,069 | | | $ | 1 | | | $ | 307,925 | | | Pass-Watch | | — | | | 55 | | | 65 | | | — | | | 5 | | | 27 | | | 4 | | | — | | | 156 | | | Special Mention | | — | | | 3 | | | — | | | — | | | — | | | 2 | | | — | | | — | | | 5 | | | Substandard | | 3 | | | 40 | | | 2 | | | 24 | | | 4 | | | 13,332 | | | 5 | | | — | | | 13,410 | | | Total | | $ | 66,212 | | | $ | 49,638 | | | $ | 22,141 | | | $ | 12,917 | | | $ | 14,580 | | | $ | 86,929 | | | $ | 69,078 | | | $ | 1 | | | $ | 321,496 | | | | | | | | | | | | | | | | | | | | | | Total by risk rating | | Pass | | $ | 527,368 | | | $ | 865,149 | | | $ | 364,676 | | | $ | 325,767 | | | $ | 441,970 | | | $ | 1,284,055 | | | $ | 551,503 | | | $ | 18,375 | | | $ | 4,378,863 | | | Pass-Watch | | 11,770 | | | 13,871 | | | 5,449 | | | 21,572 | | | 42,371 | | | 100,596 | | | 47,053 | | | 2,085 | | | 244,767 | | | Special Mention | | 654 | | | 3,129 | | | 269 | | | 2,386 | | | 1,596 | | | 5,669 | | | 13,349 | | | 684 | | | 27,736 | | | Substandard | | 2,000 | | | 8,790 | | | 5,264 | | | 4,685 | | | 7,976 | | | 57,231 | | | 13,474 | | | 1,632 | | | 101,052 | | | Total | | $ | 541,792 | | | $ | 890,939 | | | $ | 375,658 | | | $ | 354,410 | | | $ | 493,913 | | | $ | 1,447,551 | | | $ | 625,379 | | | $ | 22,776 | | | $ | 4,752,418 | |
Risk ratings of loans, further sorted by origination year, are as follows as of December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (dollars in thousands) | | Term Loans by Origination Year | | Revolving Loans | | Revolving Loans Converted to Term | | Total | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | | | | Commercial and industrial | | Pass | | $ | 45,966 | | | $ | 46,995 | | | $ | 39,709 | | | $ | 30,655 | | | $ | 7,983 | | | $ | 15,680 | | | $ | 171,444 | | | $ | 11,509 | | | $ | 369,941 | | | Pass-Watch | | 457 | | | 145 | | | 1,328 | | | 254 | | | 821 | | | 12 | | | 15,847 | | | 96 | | | 18,960 | | | Special Mention | | 134 | | | — | | | 36 | | | 331 | | | — | | | — | | | 255 | | | 1,835 | | | 2,591 | | | Substandard | | 198 | | | 514 | | | 743 | | | 1,122 | | | 110 | | | 705 | | | 3,821 | | | 1,055 | | | 8,268 | | | Total | | $ | 46,755 | | | $ | 47,654 | | | $ | 41,816 | | | $ | 32,362 | | | $ | 8,914 | | | $ | 16,397 | | | $ | 191,367 | | | $ | 14,495 | | | $ | 399,760 | | | | | | | | | | | | | | | | | | | | | | Commercial real estate - owner occupied | | Pass | | $ | 53,050 | | | $ | 59,585 | | | $ | 20,402 | | | $ | 47,115 | | | $ | 43,983 | | | $ | 50,548 | | | $ | 16,267 | | | $ | 881 | | | $ | 291,831 | | | Pass-Watch | | 4,739 | | | 1,352 | | | 199 | | | 1,729 | | | 1,897 | | | 681 | | | 7,084 | | | — | | | 17,681 | | | Special Mention | | 2,274 | | | — | | | — | | | — | | | — | | | — | | | 1,500 | | | — | | | 3,774 | | | Substandard | | 2,267 | | | — | | | 158 | | | 1,842 | | | 1,146 | | | 713 | | | 457 | | | 565 | | | 7,148 | | | Total | | $ | 62,330 | | | $ | 60,937 | | | $ | 20,759 | | | $ | 50,686 | | | $ | 47,026 | | | $ | 51,942 | | | $ | 25,308 | | | $ | 1,446 | | | $ | 320,434 | | | | | | | | | | | | | | | | | | | | | | Commercial real estate - non-owner occupied | | Pass | | $ | 224,400 | | | $ | 73,631 | | | $ | 93,259 | | | $ | 193,916 | | | $ | 189,265 | | | $ | 91,394 | | | $ | 21,926 | | | $ | 1,589 | | | $ | 889,380 | | | Pass-Watch | | 7,645 | | | 5,704 | | | 391 | | | 1,693 | | | 2,898 | | | 14,314 | | | 746 | | | — | | | 33,391 | | | Special Mention | | — | | | 42 | | | — | | | — | | | 266 | | | — | | | — | | | — | | | 308 | | | Substandard | | 11,307 | | | — | | | 194 | | | — | | | — | | | 2,514 | | | — | | | — | | | 14,015 | | | Total | | $ | 243,352 | | | $ | 79,377 | | | $ | 93,844 | | | $ | 195,609 | | | $ | 192,429 | | | $ | 108,222 | | | $ | 22,672 | | | $ | 1,589 | | | $ | 937,094 | | | | | | | | | | | | | | | | | | | | | | Construction and land development | | Pass | | $ | 162,752 | | | $ | 56,846 | | | $ | 24,151 | | | $ | 1,460 | | | $ | 12,853 | | | $ | 676 | | | $ | 10,970 | | | $ | 224 | | | $ | 269,932 | | | Pass-Watch | | 18 | | | 245 | | | — | | | — | | | — | | | 16 | | | — | | | 261 | | | 540 | | | Special Mention | | — | | | — | | | 274 | | | — | | | — | | | — | | | — | | | 701 | | | 975 | | | Substandard | | — | | | — | | | — | | | 8,758 | | | — | | | 49 | | | — | | | — | | | 8,807 | | | Total | | $ | 162,770 | | | $ | 57,091 | | | $ | 24,425 | | | $ | 10,218 | | | $ | 12,853 | | | $ | 741 | | | $ | 10,970 | | | $ | 1,186 | | | $ | 280,254 | | | | | | | | | | | | | | | | | | | | | | Multi-family | | Pass | | $ | 175,366 | | | $ | 73,457 | | | $ | 45,977 | | | $ | 70,197 | | | $ | 81,169 | | | $ | 53,452 | | | $ | 2,483 | | | $ | 1,032 | | | $ | 503,133 | | | Pass-Watch | | — | | | — | | | 11,990 | | | 29,246 | | | 572 | | | — | | | — | | | — | | | 41,808 | | | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | Substandard | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | Total | | $ | 175,366 | | | $ | 73,457 | | | $ | 57,967 | | | $ | 99,443 | | | $ | 81,741 | | | $ | 53,452 | | | $ | 2,483 | | | $ | 1,032 | | | $ | 544,941 | | | | | | | | | | | | | | | | | | | | | | One-to-four family residential | | Pass | | $ | 75,509 | | | $ | 25,965 | | | $ | 65,431 | | | $ | 69,197 | | | $ | 56,878 | | | $ | 71,763 | | | $ | 61,555 | | | $ | 5,255 | | | $ | 431,553 | | | Pass-Watch | | 151 | | | 146 | | | 632 | | | 761 | | | 1,089 | | | 2,498 | | | 233 | | | 231 | | | 5,741 | | | Special Mention | | 31 | | | — | | | 598 | | | 902 | | | — | | | — | | | — | | | 115 | | | 1,646 | | | Substandard | | 435 | | | 187 | | | 484 | | | 353 | | | 279 | | | 4,486 | | | 22 | | | 277 | | | 6,523 | | | Total | | $ | 76,126 | | | $ | 26,298 | | | $ | 67,145 | | | $ | 71,213 | | | $ | 58,246 | | | $ | 78,747 | | | $ | 61,810 | | | $ | 5,878 | | | $ | 445,463 | | | | | | | | | | | | | | | | | | | | | | Agricultural and farmland | | Pass | | $ | 47,469 | | | $ | 28,223 | | | $ | 27,972 | | | $ | 15,041 | | | $ | 25,152 | | | $ | 20,220 | | | $ | 82,342 | | | $ | 401 | | | $ | 246,820 | | | Pass-Watch | | 2,367 | | | 513 | | | 1,047 | | | 2,066 | | | 868 | | | 805 | | | 5,878 | | | 81 | | | 13,625 | | | Special Mention | | 1,253 | | | — | | | 8 | | | — | | | 5 | | | — | | | 1,148 | | | 80 | | | 2,494 | | | Substandard | | 600 | | | 331 | | | 2,325 | | | 1,819 | | | 903 | | | 3,094 | | | 1,687 | | | 1,553 | | | 12,312 | | | Total | | $ | 51,689 | | | $ | 29,067 | | | $ | 31,352 | | | $ | 18,926 | | | $ | 26,928 | | | $ | 24,119 | | | $ | 91,055 | | | $ | 2,115 | | | $ | 275,251 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (dollars in thousands) | | Term Loans by Origination Year | | Revolving Loans | | Revolving Loans Converted to Term | | Total | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | | | | Municipal, consumer, and other | | Pass | | $ | 58,427 | | | $ | 25,595 | | | $ | 17,346 | | | $ | 17,779 | | | $ | 21,868 | | | $ | 43,957 | | | $ | 54,349 | | | $ | 1 | | | $ | 239,322 | | | Pass-Watch | | 17 | | | — | | | — | | | — | | | — | | | 1 | | | 2 | | | — | | | 20 | | | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | Substandard | | 7 | | | 5 | | | 3 | | | 1 | | | 9 | | | 13,643 | | | 2 | | | — | | | 13,670 | | | Total | | $ | 58,451 | | | $ | 25,600 | | | $ | 17,349 | | | $ | 17,780 | | | $ | 21,877 | | | $ | 57,601 | | | $ | 54,353 | | | $ | 1 | | | $ | 253,012 | | | | | | | | | | | | | | | | | | | | | | Total by risk rating | | Pass | | $ | 842,939 | | | $ | 390,297 | | | $ | 334,247 | | | $ | 445,360 | | | $ | 439,151 | | | $ | 347,690 | | | $ | 421,336 | | | $ | 20,892 | | | $ | 3,241,912 | | | Pass-Watch | | 15,394 | | | 8,105 | | | 15,587 | | | 35,749 | | | 8,145 | | | 18,327 | | | 29,790 | | | 669 | | | 131,766 | | | Special Mention | | 3,692 | | | 42 | | | 916 | | | 1,233 | | | 271 | | | — | | | 2,903 | | | 2,731 | | | 11,788 | | | Substandard | | 14,814 | | | 1,037 | | | 3,907 | | | 13,895 | | | 2,447 | | | 25,204 | | | 5,989 | | | 3,450 | | | 70,743 | | | Total | | $ | 876,839 | | | $ | 399,481 | | | $ | 354,657 | | | $ | 496,237 | | | $ | 450,014 | | | $ | 391,221 | | | $ | 460,018 | | | $ | 27,742 | | | $ | 3,456,209 | |
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