Note 7 - Loans and the Allowance for Loan Losses - (Tables)

12 Months Ended

Dec. 31, 2023

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	December 31,
	2023			2022
	(Dollars in thousands)
Real estate loans:
Commercial	$	2,217,928		$	2,020,406
Construction		669,798			722,074
Residential		682,394			656,378
Total real estate loans		3,570,120			3,398,858
Commercial		1,358,838			1,153,873
Consumer and other		63,827			53,445
Total loans held for investment		4,992,785			4,606,176
Less:
Allowance for loan losses		(40,414	)		(38,178	)
Net loans	$	4,952,371		$	4,567,998

Financing Receivable, Allowance for Credit Loss [Table Text Block]

	December 31, 2023
	(Dollars in thousands)
	Real Estate:			Real Estate:			Real Estate:						Consumer
	Commercial			Construction			Residential			Commercial			and Other			Total
Allowance for Loan Losses:
Beginning Balance	$	14,702		$	5,768		$	5,354		$	11,721		$	633		$	38,178
Adoption of ASU 2016-13		4,823			933			(365	)		(2,483	)		(248	)		2,660
Beginning Balance After Adoption		19,525			6,701			4,989			9,238			385			40,838
Charge-offs		(2,049	)		(36	)		(42	)		(2,813	)		(1,489	)		(6,429	)
Recoveries		26			1			18			672			327			1,044
Provision (Recovery)		174			(70	)		520			3,327			1,010			4,961
Ending Balance	$	17,676		$	6,596		$	5,485		$	10,424		$	233		$	40,414
Reserve for Unfunded Credit Commitments:
Beginning Balance	$	220		$	137		$	13		$	229		$	6		$	605
Adoption of ASU 2016-13		116			2,113			190			657			121			3,197
Beginning Balance After Adoption		336			2,250			203			886			127			3,802
Provision (Recovery)		(130	)		(704	)		(26	)		486			(104	)		(478	)
Ending Balance	$	206		$	1,546		$	177		$	1,372		$	23		$	3,324
Total Allowance for Credit Losses	$	17,882		$	8,142		$	5,662		$	11,796		$	256		$	43,738

	December 31, 2022
	(Dollars in thousands)
	Real Estate:			Real Estate:			Real Estate:						Consumer
	Commercial			Construction			Residential			Commercial			and Other			Total
Allowance for Loan Losses:
Beginning Balance	$	10,515		$	4,498		$	4,565		$	9,016		$	518		$	29,112
Charge-offs		(51	)		(16	)		(191	)		(2,139	)		(424	)		(2,821	)
Recoveries		50			25			20			739			167			1,001
Provision		4,188			1,261			960			4,105			372			10,886
Ending Balance	$	14,702		$	5,768		$	5,354		$	11,721		$	633		$	38,178
Ending Balance:
Individually Evaluated for Impairment	$	59		$	21		$	99		$	2,020		$	15		$	2,214
Collectively Evaluated for Impairment	$	14,643		$	5,747		$	5,255		$	9,701		$	618		$	35,964
Purchased Credit Impaired	$	-		$	-		$	-		$	-		$	-		$	-
Loans Receivable:
Ending Balance	$	2,020,406		$	722,074		$	656,378		$	1,153,873		$	53,445		$	4,606,176
Ending Balance:
Individually Evaluated for Impairment	$	3,053		$	992		$	4,028		$	6,442		$	192		$	14,707
Collectively Evaluated for Impairment	$	1,989,831		$	720,129		$	637,195		$	1,141,957		$	52,570		$	4,541,682
Purchased Credit Impaired	$	27,522		$	953		$	15,155		$	5,474		$	683		$	49,787

Schedule of Financing Receivable and Allowances Individually Evaluated [Table Text Block]

	December 31, 2023				January 1, 2023
	Loan Balance		Specific Allocations		Loan Balance		Specific Allocations
	(Dollars in thousands)
Real estate loans:
Commercial	$	883	$	-	$	3,008	$	1,915
Construction		2,334		513		1,424		513
Residential		1,533		-		1,558		3
Total real estate loans		4,750		513		5,990		2,431
Commercial		-		-		6,096		1,779
Consumer and other		-		-		-		-
Total	$	4,750	$	513	$	12,086	$	4,210

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2023
			Criticized
	Pass (Risk Grade 10-45)		Special Mention (Risk Grade 50)		Substandard (Risk Grade 60)		Doubtful (Risk Grade 70)		Loss (Risk Grade 80)		Total		Current Period Charge- offs
	(Dollars in thousands)
Real Estate: Commercial
Originated in 2023	$	228,902	$	-	$	84	$	-	$	-	$	228,986	$	-
Originated in 2022		751,649		1,909		-		-		-		753,558		-
Originated in 2021		427,269		6,103		492		-		-		433,864		357
Originated in 2020		151,848		3,551		8		-		-		155,407		-
Originated in 2019		149,946		5,556		372		932		-		156,806		1,447
Originated Prior to 2019		379,503		1,313		7,970		335		-		389,121		245
Revolving		99,723		226		237		-		-		100,186		-
Revolving Loans Converted to Term		-		-		-		-		-		-		-
Total Real Estate: Commercial	$	2,188,840	$	18,658	$	9,163	$	1,267	$	-	$	2,217,928	$	2,049
Real Estate: Construction
Originated in 2023	$	131,617	$	-	$	-	$	-	$	-	$	131,617	$	-
Originated in 2022		322,032		647		62		-		-		322,741		-
Originated in 2021		85,438		2,601		1,229		-		-		89,268		-
Originated in 2020		22,515		31		16		-		-		22,562		-
Originated in 2019		19,402		-		1,675		-		-		21,077		1
Originated Prior to 2019		20,180		413		588		345		-		21,526		35
Revolving		60,612		395		-		-		-		61,007		-
Revolving Loans Converted to Term		-		-		-		-		-		-		-
Total Real Estate: Construction	$	661,796	$	4,087	$	3,570	$	345	$	-	$	669,798	$	36
Real Estate: Residential
Originated in 2023	$	76,662	$	-	$	-	$	-	$	-	$	76,662	$	-
Originated in 2022		170,229		433		410		14		-		171,086		-
Originated in 2021		98,329		-		708		-		-		99,037		11
Originated in 2020		68,281		386		520		57		-		69,244		1
Originated in 2019		54,902		1,112		1,061		119		-		57,194		22
Originated Prior to 2019		97,716		1,230		6,000		299		-		105,245		7
Revolving		103,252		-		654		-		-		103,906		1
Revolving Loans Converted to Term		20		-		-		-		-		20		-
Total Real Estate: Residential	$	669,391	$	3,161	$	9,353	$	489	$	-	$	682,394	$	42
Commercial
Originated in 2023	$	303,160	$	1,439	$	709	$	-	$	-	$	305,308	$	-
Originated in 2022		267,678		698		1,196		-		-		269,572		247
Originated in 2021		136,291		5,483		928		16		-		142,718		25
Originated in 2020		48,990		448		921		42		-		50,401		49
Originated in 2019		21,137		584		640		231		-		22,592		1,632
Originated Prior to 2019		61,166		3,843		341		251		-		65,601		658
Revolving		499,642		2,128		573		28		-		502,371		202
Revolving Loans Converted to Term		275		-		-		-		-		275		-
Total Commercial	$	1,338,339	$	14,623	$	5,308	$	568	$	-	$	1,358,838	$	2,813
Consumer and Other
Originated in 2023	$	11,245	$	-	$	-	$	-	$	-	$	11,245	$	8
Originated in 2022		7,219		-		27		-		-		7,246		78
Originated in 2021		3,372		-		55		-		-		3,427		29
Originated in 2020		1,850		-		88		-		-		1,938		11
Originated in 2019		2,359		-		40		-		-		2,399		18
Originated Prior to 2019		18,280		-		92		-		-		18,372		61
Revolving		18,814		100		160		-		-		19,074		1,284
Revolving Loans Converted to Term		126		-		-		-		-		126		-
Total Consumer and Other	$	63,265	$	100	$	462	$	-	$	-	$	63,827	$	1,489
Total Loans	$	4,921,631	$	40,629	$	27,856	$	2,669	$	-	$	4,992,785	$	6,429

	December 31, 2022
	Pass (Risk Grade 10-45)		Special Mention (Risk Grade 50)		Substandard (Risk Grade 60)		Doubtful (Risk Grade 70)		Total
	(Dollars in thousands)
Real Estate Loans:
Commercial	$	1,972,611	$	35,054	$	10,478	$	2,263	$	2,020,406
Construction		716,071		3,496		2,157		350		722,074
Residential		643,763		3,780		7,925		910		656,378
Total Real Estate Loans		3,332,445		42,330		20,560		3,523		3,398,858
Commercial		1,137,555		6,646		6,960		2,712		1,153,873
Consumer and Other		53,041		-		404		-		53,445
Total	$	4,523,041	$	48,976	$	27,924	$	6,235	$	4,606,176

Financing Receivable, Past Due [Table Text Block]

	December 31, 2023
	(Dollars in thousands)
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Total Loans Receivable		Recorded Investment Over 90 Days Past Due and Still Accruing
Real Estate Loans:
Commercial	$	240	$	536	$	2,954	$	3,730	$	2,214,198	$	2,217,928	$	44
Construction		279		1,320		3,198		4,797		665,001		669,798		-
Residential		1,792		1,207		4,058		7,057		675,337		682,394		20
Total Real Estate Loans		2,311		3,063		10,210		15,584		3,554,536		3,570,120		64
Commercial		1,101		71		1,622		2,794		1,356,044		1,358,838		52
Consumer and Other		280		252		188		720		63,107		63,827		11
Total	$	3,692	$	3,386	$	12,020	$	19,098	$	4,973,687	$	4,992,785	$	127

	December 31, 2022
	(Dollars in thousands)
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Total Loans Receivable		Recorded Investment Over 90 Days Past Due and Still Accruing
Real Estate Loans:
Commercial	$	1,491	$	210	$	1,681	$	3,382	$	2,017,024	$	2,020,406	$	98
Construction		320		41		638		999		721,075		722,074		-
Residential		1,590		423		1,781		3,794		652,584		656,378		-
Total Real Estate Loans		3,401		674		4,100		8,175		3,390,683		3,398,858		98
Commercial		1,183		1,934		2,186		5,303		1,148,570		1,153,873		222
Consumer and Other		295		28		182		505		52,940		53,445		15
Total	$	4,879	$	2,636	$	6,468	$	13,983	$	4,592,193	$	4,606,176	$	335

Financing Receivable, Nonaccrual [Table Text Block]

	December 31,		January 1,		December 31,
	2023		2023		2022
	(Dollars in thousands)
Real Estate Loans:
Commercial	$	3,280	$	5,847	$	2,644
Construction		3,543		2,421		992
Residential		7,352		6,518		4,080
Total Real Estate Loans		14,175		14,786		7,716
Commercial		2,395		3,045		3,150
Consumer and Other		373		257		188
Total	$	16,943	$	18,088	$	11,054