Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Allowance for Credit Loss [Abstract]

Summary of Allowance for Credit Losses by Loan Segment

The following tables summarize the activity in the allowance for credit losses by loan segment for the year ended December 31, 2025.

	Beginning balance		Charge-offs			Charge-offs on PCD Acquired Loans			Recoveries		Provision for credit losses			Ending balance
(In Thousands)	For the Year Ended December 31, 2025
Allowance for credit losses:
Agriculture and farmland	$	11	$	—		$	—		$	—	$	13		$	24
Construction		893		(8	)		—			9		1,219			2,113
Commercial & industrial		4,093		(374	)		—			5		5,263			8,987
Commercial real estate
Multifamily		1,805		—			—			—		66			1,871
Owner occupied		5,611		—			—			3		1,035			6,649
Non-owner occupied		9,345		(35	)		(2,018	)		—		(217	)		7,075
Residential real estate
First liens		3,395		(3	)		—			97		97			3,586
Second liens and lines of credit		1,154		—			—			1		103			1,258
Municipal		48		—			—			—		(21	)		27
Consumer		80		(30	)		—			5		29			84
Total	$	26,435	$	(450	)	$	(2,018	)	$	120	$	7,587		$	31,674
	Beginning balance		Charge-offs			Recoveries			Allowance for Credit Losses on PCD Acquired Loans		Provision for credit losses			Ending balance
(In Thousands)	For the Year Ended December 31, 2024
Allowance for credit losses:
Agriculture and farmland	$	12	$	—		$	—		$	—	$	(1	)	$	11
Construction		959		—			4			—		(70	)		893
Commercial & industrial		2,940		(152	)		89			—		1,216			4,093
Commercial real estate
Multifamily		1,483		—			2			—		320			1,805
Owner occupied		6,572		(29	)		1			—		(933	)		5,611
Non-owner occupied		5,773		(54	)		11			2,300		1,315			9,345
Residential real estate
First liens		4,778		(4	)		26			—		(1,405	)		3,395
Second liens and lines of credit		1,072		(9	)		14			—		77			1,154
Municipal		79		—			—			—		(31	)		48
Consumer		99		(185	)		12			—		154			80
Total	$	23,767	$	(433	)	$	159		$	2,300	$	642		$	26,435

Summary of Amortized Cost Basis of Nonaccrual Loans and Loans Past due Over 89 Days Still Accruing

The following table presents the amortized cost basis of nonaccrual loans and loans past due over 89 days still accruing by segments of the loan portfolio.

	As of December 31, 2025
(In Thousands)	Nonaccrual with No Allowance for Credit Loss		Nonaccrual with a related Allowance for Credit Loss		Total Nonaccrual		Loans 90 days or greater past due still accruing
Agriculture and farmland	$	818	$	—	$	818	$	—
Construction		354		143		497		—
Commercial & industrial		598		5,385		5,983		—
Commercial real estate
Multifamily		502		—		502		—
Owner occupied		3,592		2,040		5,632		249
Non-owner occupied		330		—		330		—
Residential real estate
First liens		9,920		—		9,920		—
Second liens and lines of credit		461		—		461		—
Municipal		—		—		—		—
Consumer		—		—		—		—
Total	$	16,575	$	7,568	$	24,143	$	249
	December 31, 2024
(In Thousands)	Nonaccrual with No Allowance for Credit Loss		Nonaccrual with a related Allowance for Credit Loss		Total Nonaccrual		Loans 90 days or greater past due still accruing
Agriculture and farmland	$	—	$	—	$	—	$	—
Construction		9		—		9		157
Commercial & industrial		125		7		132		—
Commercial real estate
Multifamily		—		—		—		—
Owner occupied		6,171		3,581		9,752		—
Non-owner occupied		398		3,931		4,329		—
Residential real estate
First liens		1,975		—		1,975		289
Second liens and lines of credit		482		—		482		—
Municipal		—		—		—		—
Consumer		—		—		—		48
Total	$	9,160	$	7,519	$	16,679	$	494

Summary by Class of Loans, Carrying Value of Collateral Dependent Nonaccrual Loans and Type of Collateral

The following table presents, by class of loans, the carrying value of collateral dependent nonaccrual loans and type of collateral as of December 31, 2025 and 2024.

	December 31, 2025
(In Thousands)	Real Estate		Business Assets		Other		Total
Agriculture and farmland loans	$	818	$	—	$	—	$	818
Construction		497		—		—		497
Commercial & industrial loans		—		5,983		—		5,983
Commercial real estate loans
Multifamily		502		—		—		502
Owner occupied		5,632		—		—		5,632
Non-owner occupied		330		—		—		330
Residential real estate loans
First liens		9,920		—		—		9,920
Second liens and lines of credit		461		—		—		461
Municipal		—		—		—		—
Consumer		—		—		—		—
	$	18,160	$	5,983	$	—	$	24,143
	December 31, 2024
(In Thousands)	Real Estate		Business Assets		Other		Total
Agriculture and farmland loans	$	—	$	—	$	—	$	—
Construction		9		—		—		9
Commercial & industrial loans		—		132		—		132
Commercial real estate loans
Multifamily		—		—		—		—
Owner occupied		9,752		—		—		9,752
Non-owner occupied		4,329		—		—		4,329
Residential real estate loans
First liens		1,975		—		—		1,975
Second liens and lines of credit		482		—		—		482
Municipal		—		—		—		—
Consumer		—		—		—		—
	$	16,547	$	132	$	—	$	16,679

Summary of Aging Analysis of the Recorded Investment of Past-Due Loans

The following table presents an aging analysis of the recorded investment of past due loans at December 31, 2025 and December 31, 2024.

	December 31, 2025
(In Thousands)		30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total   Loans
Agriculture and farmland		$	107	$	—	$	474	$	581	$	61,030	$	61,611
Construction			—		—		497		497		172,420		172,917
Commercial & industrial			4,978		75		638		5,691		270,133		275,824
Commercial real estate
Multifamily			988		—		—		988		243,566		244,554
Owner occupied			—		—		5,881		5,881		539,956		545,837
Non-owner occupied			—		—		244		244		771,293		771,537
Residential real estate
First liens			1,471		383		6,433		8,287		368,821		377,108
Second liens and lines of credit			166		51		241		458		86,593		87,051
Municipal			—		—		—		—		2,767		2,767
Consumer			—		—		—		—		17,062		17,062
Total		$	7,710	$	509	$	14,408	$	22,627	$	2,533,641	$	2,556,268
	December 31, 2024
(In Thousands)		30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total   Loans
Agriculture and farmland		$	23	$	—	$	—	$	23	$	67,718	$	67,741
Construction			197		—		166		363		152,256		152,619
Commercial & industrial			41		—		90		131		245,702		245,833
Commercial real estate
Multifamily			314		—		—		314		211,464		211,778
Owner occupied			334		660		8,768		9,762		467,980		477,742
Non-owner occupied			—		—		398		398		627,839		628,237
Residential real estate
First liens			686		317		1,220		2,223		371,246		373,469
Second liens and lines of credit			191		119		276		586		76,127		76,713
Municipal			—		—		—		—		3,886		3,886
Consumer			7		1		48		56		17,030		17,086
Total		$	1,793	$	1,097	$	10,966	$	13,856	$	2,241,248	$	2,255,104

Summary of Classes of the Loan Portfolio Summarized by the Internal Risk Rating System

The following table presents the classes of the loan portfolio summarized by the internal risk rating system as of December 31, 2025.

	December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year
(In Thousands)	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Revolving loans converted to term		Total
Agriculture and farmland
Pass	$	3,491	$	10,226	$	964	$	12,992	$	7,748	$	21,291	$	3,661	$	—	$	60,373
Special mention		—		—		—		—		—		173		247		—		420
Substandard or lower		—		—		—		—		—		818		—		—		818
Total Agriculture and farmland	$	3,491	$	10,226	$	964	$	12,992	$	7,748	$	22,282	$	3,908	$	—	$	61,611
Agriculture and farmland
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Construction
Pass		64,770		47,386		26,896		11,684		11,815		5,007		4,862		—		172,420
Special mention		—		—		—		—		—		—		—		—		—
Substandard or lower		—		—		497		—		—		—		—		—		497
Total Construction		64,770		47,386		27,393		11,684		11,815		5,007		4,862		—		172,917
Construction
Current period gross charge-offs		—		—		—		—		—		8		—		—		8
Commercial & industrial
Pass		34,447		40,776		18,126		11,718		13,646		8,146		136,650		—		263,509
Special mention		165		—		89		98		44		—		924		—		1,320
Substandard or lower		—		—		15		4,804		—		595		5,581		—		10,995
Total Commercial & industrial		34,612		40,776		18,230		16,620		13,690		8,741		143,155		—		275,824
Commercial & industrial
Current period gross charge-offs		—		74		—		300		—		—		—		—		374
Commercial real estate - Multifamily
Pass		40,791		33,882		17,561		76,733		44,517		25,894		502		—		239,880
Special mention		—		—		—		—		—		—		—		—		—
Substandard or lower		198		—		304		632		2,856		684		—		—		4,674
Total Commercial real estate - Multifamily		40,989		33,882		17,865		77,365		47,373		26,578		502		—		244,554
Commercial real estate - Multifamily
Current period gross charge-offs		—		—		—		—		—		—		—		—		—

	December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year
(In Thousands)	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Revolving loans converted to term		Total
Commercial real estate - Owner occupied
Pass		113,684		56,881		44,814		94,069		74,753		127,186		16,193		—		527,580
Special mention		362		—		3,029		353		2,696		4,476		267		—		11,183
Substandard or lower		—		669		—		2,835		587		2,983		—		—		7,074
Total Commercial real estate - Owner occupied		114,046		57,550		47,843		97,257		78,036		134,645		16,460		—		545,837
Commercial real estate - Owner occupied
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Commercial real estate - Non-owner occupied
Pass		191,479		74,230		53,814		175,534		102,170		144,040		11,127		—		752,394
Special mention		4,749		—		996		3,488		1,326		4,915		110		—		15,584
Substandard or lower		—		663		—		—		—		2,896		—		—		3,559
Total Commercial real estate - Non-owner occupied		196,228		74,893		54,810		179,022		103,496		151,851		11,237		—		771,537
Commercial real estate - Non-owner occupied
Current period gross charge-offs		—		—		—		—		2,018		35		—		—		2,053
Municipal
Pass		49		56		237		—		291		2,036		98		—		2,767
Special mention		—		—		—		—		—		—		—		—		—
Substandard or lower		—		—		—		—		—		—		—		—		—
Total Municipal		49		56		237		—		291		2,036		98		—		2,767
Municipal
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Total
Pass	$	448,711	$	263,437	$	162,412	$	382,730	$	254,940	$	333,600	$	173,093	$	—	$	2,018,923
Special mention		5,276		—		4,114		3,939		4,066		9,564		1,548		—		28,507
Substandard or lower		198		1,332		816		8,271		3,443		7,976		5,581		—		27,617
Total	$	454,185	$	264,769	$	167,342	$	394,940	$	262,449	$	351,140	$	180,222	$	—	$	2,075,047

The following tables present the classes of the loan portfolio summarized by the internal risk rating system as of December 31, 2024.

	December 31, 2024
	Term Loans Amortized Cost Basis by Origination Year
(In Thousands)	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Revolving loans converted to term		Total
Agriculture and farmland
Pass	$	11,357	$	1,040	$	13,682	$	8,761	$	4,780	$	21,105	$	5,320	$	—	$	66,045
Special mention		—		10		—		51		—		1,387		248		—		1,696
Substandard or lower		—		—		—		—		—		—		—		—		—
Total Agriculture and farmland	$	11,357	$	1,050	$	13,682	$	8,812	$	4,780	$	22,492	$	5,568	$	—	$	67,741
Agriculture and farmland
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Construction
Pass		38,681		54,929		17,645		18,952		1,226		8,567		12,422		—		152,422
Special mention		—		—		—		—		—		—		—		—		—
Substandard or lower		—		197		—		—		—		—		—		—		197
Total Construction		38,681		55,126		17,645		18,952		1,226		8,567		12,422		—		152,619
Construction
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Commercial & industrial
Pass		36,194		23,645		18,632		18,880		10,145		8,154		115,655		—		231,305
Special mention		301		153		4,606		88		—		363		7,023		—		12,534
Substandard or lower		74		51		384		47		—		299		1,139		—		1,994
Total Commercial & industrial		36,569		23,849		23,622		19,015		10,145		8,816		123,817		—		245,833
Commercial & industrial
Current period gross charge-offs		—		—		—		—		20		7		125		—		152
Commercial real estate - Multifamily
Pass		34,006		11,064		84,497		49,859		19,451		11,232		685		—		210,794
Special mention		—		—		984		—		—		—		—		—		984
Substandard or lower		—		—		—		—		—		—		—		—		—
Total Commercial real estate - Multifamily		34,006		11,064		85,481		49,859		19,451		11,232		685		—		211,778
Commercial real estate - Multifamily
Current period gross charge-offs		—		—		—		—		—		—		—		—		—

	December 31, 2024
	Term Loans Amortized Cost Basis by Origination Year
(In Thousands)	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Revolving loans converted to term		Total
Commercial real estate - Owner occupied
Pass		52,566		56,674		101,351		83,703		48,003		99,600		15,120		—		457,017
Special mention		—		—		365		1,984		416		5,608		262		—		8,635
Substandard or lower		—		—		9,327		—		—		2,632		131		—		12,090
Total Commercial real estate - Owner occupied		52,566		56,674		111,043		85,687		48,419		107,840		15,513		—		477,742
Commercial real estate - Owner occupied
Current period gross charge-offs		—		—		—		—		23		6		—		—		29
Commercial real estate - Non-owner occupied
Pass		78,928		60,584		187,113		111,191		48,512		120,340		8,535		—		615,203
Special mention		744		—		—		1,536		3,352		3,073		—		—		8,705
Substandard or lower		—		—		—		3,931		—		324		74		—		4,329
Total Commercial real estate - Non-owner occupied		79,672		60,584		187,113		116,658		51,864		123,737		8,609		—		628,237
Commercial real estate - Non-owner occupied
Current period gross charge-offs		—		—		—		—		—		54		—		—		54
Municipal
Pass		71		356		—		350		939		2,088		82		—		3,886
Special mention		—		—		—		—		—		—		—		—		—
Substandard or lower		—		—		—		—		—		—		—		—		—
Total Commercial real estate - Municipal		71		356		—		350		939		2,088		82		—		3,886
Municipal
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Total
Pass	$	251,803	$	208,292	$	422,920	$	291,696	$	133,056	$	271,086	$	157,819	$	—	$	1,736,672
Special mention		1,045		163		5,955		3,659		3,768		10,431		7,533		—		32,554
Substandard or lower		74		248		9,711		3,978		—		3,255		1,344		—		18,610
Total	$	252,922	$	208,703	$	438,586	$	299,333	$	136,824	$	284,772	$	166,696	$	—	$	1,787,836

The following tables present the amortized cost of these loans based on payment activity, by origination year, as of December 31, 2025 and 2024.

	December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year
(In Thousands)	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Revolving loans converted to term		Total
Residential real estate - First liens
Performing	$	48,126	$	24,127	$	41,279	$	78,397	$	69,148	$	93,913	$	12,198	$	—	$	367,188
Nonperforming		—		—		42		—		340		3,069		6,469		—		9,920
Total Residential real estate - First liens	$	48,126	$	24,127	$	41,321	$	78,397	$	69,488	$	96,982	$	18,667	$	—	$	377,108
Residential real estate - First liens
Current period gross charge-offs		—		—		—		—		—		3		—		—		3
Residential real estate - Second liens and lines of credit
Performing		469		2,673		1,454		405		155		949		80,485		—		86,590
Nonperforming		—		—		—		—		22		199		240		—		461
Total Residential real estate - Second liens and lines of credit		469		2,673		1,454		405		177		1,148		80,725		—		87,051
Residential real estate - Second liens and lines of credit
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Consumer and other
Performing		4,814		1,696		2,883		2,231		146		178		5,114		—		17,062
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer and other		4,814		1,696		2,883		2,231		146		178		5,114		—		17,062
Consumer and other
Current period gross charge-offs		—		10		7		5		—		8		—		—		30
Total
Performing	$	53,409	$	28,496	$	45,616	$	81,033	$	69,449	$	95,040	$	97,797	$	—	$	470,840
Nonperforming		—		—		42		—		362		3,268		6,709		—		10,381
Total	$	53,409	$	28,496	$	45,658	$	81,033	$	69,811	$	98,308	$	104,506	$	—	$	481,221

	December 31, 2024
	Term Loans Amortized Cost Basis by Origination Year
(In Thousands)	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Revolving loans converted to term		Total
Residential real estate - First liens
Performing	$	28,532	$	48,601	$	86,197	$	82,086	$	35,962	$	78,244	$	11,583	$	—	$	371,205
Nonperforming		—		—		—		219		29		2,016		—		—		2,264
Total Residential real estate - First liens	$	28,532	$	48,601	$	86,197	$	82,305	$	35,991	$	80,260	$	11,583	$	—	$	373,469
Residential real estate - First liens
Current period gross charge-offs		—		—		—		—		—		4		—		—		4
Residential real estate - Second liens and lines of credit
Performing		2,643		940		985		349		61		1,666		68,937		650		76,231
Nonperforming		—		—		—		—		—		294		188		—		482
Total Residential real estate - Second liens and lines of credit		2,643		940		985		349		61		1,960		69,125		650		76,713
Residential real estate - Second liens and lines of credit
Current period gross charge-offs		—		—		—		—		—		9		—		—		9
Consumer and other
Performing		2,610		4,433		1,863		113		52		67		7,900		—		17,038
Nonperforming		—		—		—		—		—		48		—		—		48
Total Consumer and other		2,610		4,433		1,863		113		52		115		7,900		—		17,086
Consumer and other
Current period gross charge-offs		—		6		4		6		1		18		150		—		185
Total
Performing	$	33,785	$	53,974	$	89,045	$	82,548	$	36,075	$	79,977	$	88,420	$	650	$	464,474
Nonperforming		—		—		—		219		29		2,358		188		—		2,794
Total	$	33,785	$	53,974	$	89,045	$	82,767	$	36,104	$	82,335	$	88,608	$	650	$	467,268