XML 82 R65.htm IDEA: XBRL DOCUMENT v3.25.0.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Credit Losses Activity (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Allowance for credit losses:      
Beginning balance, prior to adoption of ASC 326 $ 30,920 $ 31,974 $ 30,433
Provision for (reversal of) for credit losses (2,200) 0 2,150
Loans charged-off (978) (1,204) (849)
Recoveries 548 150 240
Ending balance 28,290 30,920 31,974
Commercial and industrial      
Allowance for credit losses:      
Beginning balance, prior to adoption of ASC 326 3,719 4,382 3,600
Provision for (reversal of) for credit losses (524) (209) 902
Loans charged-off (630) (473) (192)
Recoveries 408 19 72
Ending balance 2,973 3,719 4,382
Construction and development      
Allowance for credit losses:      
Beginning balance, prior to adoption of ASC 326 3,623 4,889 4,221
Provision for (reversal of) for credit losses (885) (1,266) 668
Loans charged-off   0 0
Recoveries 0 0 0
Ending balance 2,738 3,623 4,889
Commercial real estate      
Allowance for credit losses:      
Beginning balance, prior to adoption of ASC 326 12,257 12,658 13,765
Provision for (reversal of) for credit losses (539) (124) (1,108)
Loans charged-off 0 (277) 0
Recoveries 0 0 1
Ending balance 11,718 12,257 12,658
Farmland      
Allowance for credit losses:      
Beginning balance, prior to adoption of ASC 326 2,231 2,008 1,698
Provision for (reversal of) for credit losses (401) 223 310
Loans charged-off   0 0
Ending balance 1,830 2,231 2,008
1-4 family residential      
Allowance for credit losses:      
Beginning balance, prior to adoption of ASC 326 7,470 6,617 5,818
Provision for (reversal of) for credit losses 186 853 769
Loans charged-off   0 0
Recoveries 0 0 30
Ending balance 7,656 7,470 6,617
Multi-family residential      
Allowance for credit losses:      
Beginning balance, prior to adoption of ASC 326 521 490 396
Provision for (reversal of) for credit losses 7 31 94
Loans charged-off   0 0
Ending balance 528 521 490
Consumer      
Allowance for credit losses:      
Beginning balance, prior to adoption of ASC 326 945 778 762
Provision for (reversal of) for credit losses (80) 238 283
Loans charged-off (106) (139) (322)
Recoveries 85 68 55
Ending balance 844 945 778
Agricultural      
Allowance for credit losses:      
Beginning balance, prior to adoption of ASC 326 152 149 169
Provision for (reversal of) for credit losses (155) 4 (20)
Loans charged-off 0 (3) 0
Recoveries 3 2 0
Ending balance 0 152 149
Overdrafts      
Allowance for credit losses:      
Beginning balance, prior to adoption of ASC 326 2 3 4
Provision for (reversal of) for credit losses 191 250 252
Loans charged-off (242) (312) (335)
Recoveries 52 61 82
Ending balance $ 3 $ 2 $ 3