v3.26.3
Note 3 - Loans and Allowance for Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2026
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
                  

Percent

 
  

September 30, 2026

  

December 31, 2025

  

Increase

 

(Dollars in thousands)

 

Balance

  

%

  

Balance

  

%

  

(Decrease)

 
                     

Commercial:

                    

Commercial and industrial

 $1,499,086   30.3% $1,374,522   28.5%  9.1%

Vacant land, land development, and residential construction

  112,646   2.3   117,373   2.4   (4.0)

Real estate – owner occupied

  757,329   15.3   778,869   16.2   (2.8)

Real estate – non-owner occupied

  1,159,659   23.4   1,110,674   23.0   4.4 

Real estate – multi-family and residential rental

  542,058   10.9   537,224   11.2   0.9 

Total commercial

  4,070,778   82.2   3,918,662   81.3   3.9 
                     

Retail:

                    

1-4 family mortgages

  763,715   15.4   790,857   16.4   (3.4)

Other consumer loans

  118,449   2.4   112,369   2.3   5.4 

Total retail

  882,164   17.8   903,226   18.7   (2.3)
                     

Total loans

 $4,952,942   100.0% $4,821,888   100.0%  2.7%
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 

September 30, 2026

                            

Commercial:

                            

Commercial and industrial

 $30  $0  $0  $30  $1,499,056  $1,499,086  $0 

Vacant land, land development, and residential construction

  0   0   0   0   112,646   112,646   0 

Real estate – owner occupied

  0   134   238   372   756,957   757,329   0 

Real estate – non- owner occupied

  0   0   0   0   1,159,659   1,159,659   0 

Real estate – multi-family and residential rental

  0   0   0   0   542,058   542,058   0 

Total commercial

  30   134   238   402   4,070,376   4,070,778   0 
                             

Retail:

                            

1-4 family mortgages

  234   485   21   740   762,975   763,715   0 

Other consumer loans

  267   14   43   324   118,125   118,449   0 

Total retail

  501   499   64   1,064   881,100   882,164   0 
                             

Total past due loans

 $531  $633  $302  $1,466  $4,951,476  $4,952,942  $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]
  

September 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

 $154  $0  $170  $0 

Vacant land, land development and residential construction

  2,117   0   201   0 

Real estate – owner occupied

  1,281   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

  3,552   0   888   0 
                 

Retail:

                

1-4 family mortgages

  1,864   0   1,892   0 

Other consumer loans

  63   0   81   0 

Total retail

  1,927   0   1,973   0 
                 

Total with no allowance recorded

 $5,479  $0  $2,861  $0 
                 

With an allowance recorded:

                

Commercial:

                

Commercial and industrial

 $2,726  $2,211  $1,223  $1,063 

Vacant land, land development and residential construction

  0   0   0   0 

Real estate – owner occupied

  391   193   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

  3,117   2,404   3,955   3,795 
                 

Retail:

                

1-4 family mortgages

  1,102   192   1,054   224 

Other consumer loans

  43   43   0   0 

Total retail

  1,145   235   1,054   224 
                 

Total with an allowance recorded

 $4,262  $2,639  $5,009  $4,019 
                 

Total nonaccrual loans:

                

Commercial

 $6,669  $2,404  $4,843  $3,795 

Retail

  3,072   235   3,027   224 

Total nonaccrual loans

 $9,741  $2,639  $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

 $75,469  $61,636  $34,844  $24,063  $3,963  $37,092  $237,067  $488,592  $725,659 

Grades 5 – 7

  122,134   61,288   80,367   13,704   10,111   4,999   292,603   463,230   755,833 

Grades 8 – 9

  5,913   1,101   0   822   0   117   7,953   9,641   17,594 

Total

 $203,516  $124,025  $115,211  $38,589  $14,074  $42,208  $537,623  $961,463  $1,499,086 

Year-to-date gross write offs

 $0  $0  $0  $8  $0  $10  $18  $0  $18 
                                     

Vacant Land, Land Development and Residential Construction:

                     

Grades 1 – 4

 $26,341  $9,003  $891  $2,257  $3,624  $6,597  $48,713  $7,606  $56,319 

Grades 5 – 7

  9,095   32,486   1,016   1,111   3,926   4,128   51,762   2,448   54,210 

Grades 8 – 9

  2,117   0   0   0   0   0   2,117   0   2,117 

Total

 $37,553  $41,489  $1,907  $3,368  $7,550  $10,725  $102,592  $10,054  $112,646 

Year-to-date gross write offs

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

Real Estate – Owner Occupied:

                         

Grades 1 – 4

 $70,377  $70,704  $95,233  $49,596  $69,883  $52,504  $408,297  $18,702  $426,999 

Grades 5 – 7

  108,756   63,947   52,328   46,960   30,455   18,538   320,984   2,163   323,147 

Grades 8 – 9

  391   477   1,533   3,375   0   1,407   7,183   0   7,183 

Total

 $179,524  $135,128  $149,094  $99,931  $100,338  $72,449  $736,464  $20,865  $757,329 

Year-to-date gross write offs

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

Real Estate – Non-Owner Occupied:

                         

Grades 1 – 4

 $103,694  $129,442  $72,203  $61,860  $79,256  $105,592  $552,047  $7,258  $559,305 

Grades 5 – 7

  150,480   86,128   122,685   125,109   52,664   55,488   592,554   7,800   600,354 

Grades 8 – 9

  0   0   0   0   0   0   0   0   0 

Total

 $254,174  $215,570  $194,888  $186,969  $131,920  $161,080  $1,144,601  $15,058  $1,159,659 

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

 $51,974  $39,678  $9,001  $12,381  $9,149  $41,276  $163,459  $5,695  $169,154 

Grades 5 – 7

  190,413   105,288   44,938   12,460   14,172   5,633   372,904   0   372,904 

Grades 8 – 9

  0   0   0   0   0   0   0   0   0 

Total

 $242,387  $144,966  $53,939  $24,841  $23,321  $46,909  $536,363  $5,695  $542,058 

Year-to-date gross write offs

 $0  $0  $0  $0  $0  $0  $0  $0  $0 

Total Commercial

 $917,154  $661,178  $515,039  $353,698  $277,203  $333,371  $3,057,643  $1,013,135  $4,070,778 

Total Commercial year-to-date gross write offs

 $0  $0  $0  $8  $0  $10  $18  $0  $18 
                                     

Retail:

                                    

1-4 Family Mortgages:

                                    

Performing

 $81,332  $55,693  $36,038  $76,805  $249,978  $248,612  $748,458  $12,291  $760,749 

Nonperforming

  0   166   220   348   936   1,296   2,966   0   2,966 

Total

 $81,332  $55,859  $36,258  $77,153  $250,914  $249,908  $751,424  $12,291  $763,715 

Year-to-date gross write offs

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

Other Consumer Loans:

                                    

Performing

 $3,617  $4,351  $5,315  $4,320  $1,689  $1,456  $20,748  $97,595  $118,343 

Nonperforming

  0   0   43   0   12   51   106   0   106 

Total

 $3,617  $4,351  $5,358  $4,320  $1,701  $1,507  $20,854  $97,595  $118,449 

Year-to-date gross write offs

 $0  $8  $19  $0  $1  $8  $36  $7  $43 

Total Retail

 $84,949  $60,210  $41,616  $81,473  $252,615  $251,415  $772,278  $109,886  $882,164 

Total Retail year-to-date gross write offs

 $0  $8  $19  $0  $1  $8  $36  $7  $43 
                                     

Total

 $1,002,103  $721,388  $556,655  $435,171  $529,818  $584,786  $3,829,921  $1,123,021  $4,952,942 

Total year-to-date gross write offs

 $0  $8  $19  $8  $1  $18  $54  $7  $61 
                              

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  $76  $0  $0  $0  $80  $7  $87 
                                     

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  $76  $0  $0  $0  $80  $7  $87 
                                     

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  $85  $22  $61  $3  $171  $0  $171 
                                     

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

 $2  $2  $6  $0  $0  $0  $10  $5  $15 

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

 $2  $2  $91  $22  $61  $3  $181  $5  $186 
                                     

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

 $2  $6  $167  $22  $61  $3  $261  $12  $273 
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 6-30-2026

 $13,774  $546  $8,048  $12,404  $5,057  $12,699  $2,806  $108  $55,442 

Provision for credit losses

  827   312   118   592   269   (1,220)  (212)  14   700 

Charge-offs

  (10)  0   0   0   0   0   (36)  0   (46)

Recoveries

  156   0   4   0   5   128   26   0   319 

Balance at 9-30-2026

 $14,747  $858  $8,170  $12,996  $5,331  $11,607  $2,584  $122  $56,415 
                                     

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

  1,659   331   523   (2,306)  (196)  (2,888)  (62)  39   (2,900)

Charge-offs

  (18)  0   0   0   0   0   (43)  0   (61)

Recoveries

  530   49   18   228   13   296   51   0   1,185 

Balance at 9-30-2026

 $14,747  $858  $8,170  $12,996  $5,331  $11,607  $2,584  $122  $56,415 
                                     

Balance at 6-30-2025

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

Provision for credit losses

  101   17   (770)  3,632   803   (3,524)  19   (78)  200 

Charge-offs

  (76)  0   0   0   0   (85)  (11)  0   (172)

Recoveries

  542   2   1   0   4   164   13   0   726 

Balance at 9-30-2025

 $12,338  $406  $6,922  $17,432  $5,104  $14,520  $2,342  $65  $59,129 
                                     

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

  660   35   (753)  6,513   1,425   (4,327)  309   38   3,900 

Charge-offs

  (87)  0   0   0   0   (171)  (15)  0   (273)

Recoveries

  600   4   4   0   12   316   112   0   1,048 

Balance at 9-30-2025

 $12,338  $406  $6,922  $17,432  $5,104  $14,520  $2,342  $65  $59,129 
                                     
Financing Receivable, Modified, Financial Effect [Table Text Block]
  

Interest Rate

      

Principal

  

Payment

 

(Dollars in thousands)

 

Reduction

  

Term Extension

  

Forgiveness

  

Delay

 

Commercial:

                

Commercial and industrial

 $0  $7,223  $0  $0 

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   0   0 

Real estate – multi-family and residential rental

  0   0   0   0 

Total commercial

 $0  $7,223  $0  $0 
                 

Retail:

                

1-4 family mortgages

  0   0   0   102 

Other consumer loans

  0   0   0   0 

Total retail

 $0  $0  $0  $102 
                 

Total loans

 $0  $7,223  $0  $102 
  

Interest Rate

      

Principal

  

Payment

 

(Dollars in thousands)

 

Reduction

  

Term Extension

  

Forgiveness

  

Delay

 

Commercial:

                

Commercial and industrial

 $0  $13,130  $0  $0 

Vacant land, land development and residential construction

  0   2,117   0   0 

Real estate – owner occupied

  0   0   0   0 

Real estate – non-owner occupied

  0   0   0   0 

Real estate – multi-family and residential rental

  0   0   0   0 

Total commercial

 $0  $15,247  $0  $0 
                 

Retail:

                

1-4 family mortgages

  0   0   0   102 

Other consumer loans

  0   0   0   0 

Total retail

 $0  $0  $0  $102 
                 

Total loans

 $0  $15,247  $0  $102 
  

Interest Rate

      

Principal

  

Payment

 

(Dollars in thousands)

 

Reduction

  

Term Extension

  

Forgiveness

  

Delay

 

Commercial:

                

Commercial and industrial

 $0  $9,590  $0  $0 

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   0   0 

Real estate – multi-family and residential rental

  0   0   0   0 

Total commercial

 $0  $9,590  $0  $0 
                 

Retail:

                

1-4 family mortgages

  0   0   0   0 

Other consumer loans

  0   0   0   0 

Total retail

 $0  $0  $0  $0 
                 

Total loans

 $0  $9,590  $0  $0 
  

Interest Rate

      

Principal

  

Payment

 

(Dollars in thousands)

 

Reduction

  

Term Extension

  

Forgiveness

  

Delay

 

Commercial:

                

Commercial and industrial

 $0  $9,596  $0  $0 

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   0   0 

Real estate – multi-family and residential rental

  0   0   0   0 

Total commercial

 $0  $9,596  $0  $0 
                 

Retail:

                

1-4 family mortgages

  0   0   0   0 

Other consumer loans

  0   0   0   0 

Total retail

 $0  $0  $0  $0 
                 

Total loans

 $0  $9,596  $0  $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

 $13,130  $0  $0  $13,130 

Vacant land, land development and residential construction

  2,117   0   0   2,117 

Real estate – owner occupied

  227   0   0   227 

Real estate – non-owner occupied

  0   0   0   0 

Real estate – multi-family and residential rental

  0   0   0   0 

Total commercial

 $15,474  $0  $0  $15,474 
                 

Retail:

                

1-4 family mortgages

  102   0   0   102 

Other consumer loans

  0   0   0   0 

Total retail

 $102  $0  $0  $102 
                 

Total loans

 $15,576  $0  $0  $15,576