(In Thousands)

March 31, 2025

December 31, 2024

Agriculture and farmland loans

$

66,684

$

67,741

Construction loans

136,421

152,619

Commercial & industrial loans

257,302

245,833

Commercial real estate loans

     Multifamily

215,916

211,778

     Owner occupied

472,895

477,742

     Non-owner occupied

645,793

628,237

Residential real estate loans

     First liens

378,420

373,469

     Second liens and lines of credit

79,905

76,713

Consumer and other loans

17,097

17,086

Municipal loans

3,012

3,886

2,273,445

2,255,104

Deferred costs

496

645

Allowance for credit losses

(26,619

)

(26,435

)

Total

$

2,247,322

$

2,229,314