(In Thousands)

June 30, 2025

December 31, 2024

Agriculture and farmland loans

$

61,996

$

67,741

Construction loans

140,976

152,619

Commercial & industrial loans

259,877

245,833

Commercial real estate loans

     Multifamily

231,469

211,778

     Owner occupied

502,515

477,742

     Non-owner occupied

681,521

628,237

Residential real estate loans

     First liens

375,879

373,469

     Second liens and lines of credit

81,194

76,713

Consumer and other loans

17,525

17,086

Municipal loans

2,917

3,886

2,355,869

2,255,104

Deferred costs

740

645

Allowance for credit losses

(24,651

)

(26,435

)

Total

$

2,331,958

$

2,229,314