(In Thousands)

September 30, 2024

December 31, 2023

Agriculture and farmland loans

$

65,166

$

65,861

Construction loans

162,032

161,825

Commercial & industrial loans

235,144

232,412

Commercial real estate loans

     Multifamily

206,867

176,843

     Owner occupied

479,361

474,964

     Non-owner occupied

598,681

551,481

Residential real estate loans

     First liens

374,130

376,092

     Second liens and lines of credit

72,061

66,648

Consumer and other loans

17,496

16,740

Municipal loans

4,296

5,244

2,215,234

2,128,110

Deferred costs

634

174

Allowance for credit losses

(26,542

)

(23,767

)

Total

$

2,189,326

$

2,104,517