Loans and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Loans Held-for-Investment by Portfolio Segment

Loans held-for-investment by portfolio segment are as follows (dollars in thousands):

	December 31,
	2024			2023
Commercial:
C&I	$	1,176,993		$	1,164,811
Municipal		369,246			214,850
Total Commercial		1,546,239			1,379,661
Agricultural		95,543			84,890
Real Estate:
Construction & Development		1,054,603			963,158
Farm		339,665			344,954
Non-Owner Occupied CRE		805,566			827,969
Owner Occupied CRE		1,083,100			1,037,281
Residential		2,196,767			1,834,593
Total Real Estate		5,479,701			5,007,955
Consumer:
Auto		638,560			521,859
Non-Auto		153,055			154,426
Total Consumer		791,615			676,285
Total Loans		7,913,098			7,148,791
Less: Allowance for credit losses		(98,325	)		(88,734	)
Loans, net	$	7,814,773		$	7,060,057

Non-Accrual Loans, Loans Still Accruing and Past Due 90 Days or More and Restructured Loans

The Company’s nonaccrual loans, loans still accruing and past due 90 days or more and restructured loans are as follows (dollars in thousands):

	December 31,
	2024		2023
Nonaccrual loans	$	61,938	$	33,609
Loans still accruing and past due 90 days or more		287		1,004
Total nonperforming loans	$	62,225	$	34,613

Schedule of Non-Accrual Loans

Nonaccrual loans totaled $61,938,000 and $33,609,000 at December 31, 2024 and 2023, respectively, and consisted of the following (in thousands):

	December 31,
	2024		2023
Commercial:
C&I	$	3,984	$	4,132
Municipal		—		—
Total Commercial		3,984		4,132
Agricultural		1,209		155
Real Estate:
Construction & Development		1,141		1,444
Farm		4,176		4,804
Non-Owner Occupied CRE		11,062		8,022
Owner Occupied CRE		30,074		6,822
Residential		9,348		7,649
Total Real Estate		55,801		28,741
Consumer:
Auto		638		464
Non-Auto		306		117
Total Consumer		944		581
Total	$	61,938	$	33,609

Changes in Allowance for Loan Losses

Summary information on the allowance for credit losses for the years ended December 31, 2024 and 2023, are outlined by portfolio segment in the following tables (in thousands):

Year-ended December 31, 2024	C&I			Municipal		Agricultural			Construction & Development			Farm
Beginning balance	$	15,698		$	195	$	1,281		$	28,553		$	2,914
Provision for loan losses		554			5		328			(8,491	)		(43	)
Recoveries		576			—		111			4			—
Charge-offs		(1,392	)		—		(67	)		(205	)		—
Ending balance	$	15,436		$	200	$	1,653		$	19,861		$	2,871

Year-ended December 31, 2024 (continued)	Non-Owner Occupied CRE			Owner Occupied CRE		Residential			Auto			Non-Auto			Total
Beginning balance	$	13,425		$	13,813	$	11,654		$	810		$	391		$	88,734
Provision for loan losses		1,965			7,478		8,749			1,608			896			13,049
Recoveries		37			122		98			448			161			1,557
Charge-offs		(763	)		—		(13	)		(1,680	)		(895	)		(5,015	)
Ending balance	$	14,664		$	21,413	$	20,488		$	1,186		$	553		$	98,325

Year-ended December 31, 2023	C&I			Municipal			Agricultural			Construction & Development		Farm
Beginning balance	$	16,129		$	1,026		$	1,041		$	26,443	$	1,957
Provision for loan losses		1,118			(831	)		(37	)		2,004		957
Recoveries		267			—			286			106		—
Charge-offs		(1,816	)		—			(9	)		—		—
Ending balance	$	15,698		$	195		$	1,281		$	28,553	$	2,914

Year-ended December 31, 2023 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE			Residential			Auto			Non-Auto			Total
Beginning balance	$	9,075	$	9,928		$	9,075		$	845		$	315		$	75,834
Provision for loan losses		4,279		3,668			2,813			573			506			15,050
Recoveries		71		227			24			398			170			1,549
Charge-offs		—		(10	)		(258	)		(1,006	)		(600	)		(3,699	)
Ending balance	$	13,425	$	13,813		$	11,654		$	810		$	391		$	88,734

Schedule of loans that are individually evaluated for credit losses

The Company’s loans that are individually evaluated for credit losses (both collateral and non-collateral dependent) and their related allowances as of December 31, 2024 and December 31, 2023, are summarized in the following table by loan segment (in thousands):

December 31, 2024	Collateral Dependent Loans Individually Evaluated for Credit Losses Without an Allowance		Collateral Dependent Loans Individually Evaluated for Credit Losses With an Allowance		Non-Collateral Dependent Loans Individually Evaluated for Credit Losses		Total Loans Individually Evaluated for Credit Losses		Related Allowance on Collateral Dependent Loans		Related Allowance on Non- Collateral Dependent Loans		Total Allowance for Credit Losses on Loans Individually Evaluated for Credit Losses
Commercial:
C&I	$	854	$	3,130	$	25,778	$	29,762	$	1,463	$	3,042	$	4,505
Municipal		—		—		409		409		—		—		—
Total Commercial		854		3,130		26,187		30,171		1,463		3,042		4,505
Agricultural		743		466		3,002		4,211		220		945		1,165
Real Estate:
Construction & Development		732		409		10,033		11,174		26		465		491
Farm		412		3,764		6,412		10,588		23		427		450
Non-Owner Occupied CRE		6,668		4,394		28,832		39,894		1,406		2,852		4,258
Owner Occupied CRE		2,186		27,888		49,396		79,470		5,727		2,431		8,158
Residential		3,859		5,489		44,311		53,659		1,343		2,317		3,660
Total Real Estate		13,857		41,944		138,984		194,785		8,525		8,492		17,017
Consumer:
Auto		—		638		2,941		3,579		1		5		6
Non-Auto		—		306		799		1,105		51		73		124
Total Consumer		—		944		3,740		4,684		52		78		130
Total	$	15,454	$	46,484	$	171,913	$	233,851	$	10,260	$	12,557	$	22,817

December 31, 2023	Collateral Dependent Loans Individually Evaluated for Credit Losses Without an Allowance		Collateral Dependent Loans Individually Evaluated for Credit Losses With an Allowance		Non-Collateral Dependent Loans Individually Evaluated for Credit Losses		Total Loans Individually Evaluated for Credit Losses		Related Allowance on Collateral Dependent Loans		Related Allowance on Non- Collateral Dependent Loans		Total Allowance for Credit Losses on Loans Individually Evaluated for Credit Losses
Commercial:
C&I	$	1,322	$	2,810	$	18,633	$	22,765	$	1,363	$	4,495	$	5,858
Municipal		—		—		733		733		—		—		—
Total Commercial		1,322		2,810		19,366		23,498		1,363		4,495		5,858
Agricultural		57		98		1,304		1,459		50		700		750
Real Estate:
Construction & Development		758		686		22,545		23,989		148		2,253		2,401
Farm		—		4,804		1,362		6,166		937		57		994
Non-Owner Occupied CRE		1,919		6,103		29,117		37,139		700		2,984		3,684
Owner Occupied CRE		4,661		2,161		35,746		42,568		232		1,431		1,663
Residential		3,909		3,740		30,257		37,906		360		1,799		2,159
Total Real Estate		11,247		17,494		119,027		147,768		2,377		8,524		10,901
Consumer:
Auto		—		464		2,125		2,589		1		3		4
Non-Auto		—		117		782		899		—		60		60
Total Consumer		—		581		2,907		3,488		1		63		64
Total	$	12,626	$	20,983	$	142,604	$	176,213	$	3,791	$	13,782	$	17,573

Schedule of Allowance for Loan Losses by Portfolio Segment

Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

December 31, 2024	C&I		Municipal		Agricultural		Construction & Development		Farm
Loans individually evaluated for credit losses	$	4,505	$	—	$	1,165	$	491	$	450
Loans collectively evaluated for credit losses		10,931		200		488		19,370		2,421
Total	$	15,436	$	200	$	1,653	$	19,861	$	2,871

December 31, 2024 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential		Auto		Non-Auto		Total
Loans individually evaluated for credit losses	$	4,258	$	8,158	$	3,660	$	6	$	124	$	22,817
Loans collectively evaluated for credit losses		10,406		13,255		16,828		1,180		429		75,508
Total	$	14,664	$	21,413	$	20,488	$	1,186	$	553	$	98,325

December 31, 2023	C&I		Municipal		Agricultural		Construction & Development		Farm
Loans individually evaluated for credit losses	$	5,858	$	—	$	750	$	2,401	$	994
Loans collectively evaluated for credit losses		9,840		195		531		26,152		1,920
Total	$	15,698	$	195	$	1,281	$	28,553	$	2,914

December 31, 2023 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential		Auto		Non-Auto		Total
Loans individually evaluated for credit losses	$	3,684	$	1,663	$	2,159	$	4	$	60	$	17,573
Loans collectively evaluated for credit losses		9,741		12,150		9,495		806		331		71,161
Total	$	13,425	$	13,813	$	11,654	$	810	$	391	$	88,734

Schedule of Investment in Loans Related to Balance in Allowance for Loan Losses on Basis of Company's Impairment Methodology

The Company’s recorded investment in loans as of December 31, 2024 and December 31, 2023, related to the balance in the allowance for credit losses follows below (in thousands).

December 31, 2024	C&I		Municipal		Agriculture		Construction & Development		Farm
Loans individually evaluated for credit losses	$	29,762	$	409	$	4,211	$	11,174	$	10,588
Loans collectively evaluated for credit losses		1,147,231		368,837		91,332		1,043,429		329,077
Total	$	1,176,993	$	369,246	$	95,543	$	1,054,603	$	339,665

December 31, 2024 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential		Auto		Non-Auto		Total
Loans individually evaluated for credit losses	$	39,894	$	79,470	$	53,659	$	3,579	$	1,105	$	233,851
Loans collectively evaluated for credit losses		765,672		1,003,630		2,143,108		634,981		151,950		7,679,247
Total	$	805,566	$	1,083,100	$	2,196,767	$	638,560	$	153,055	$	7,913,098

December 31, 2023	C&I		Municipal		Agriculture		Construction & Development		Farm
Loans individually evaluated for credit losses	$	22,765	$	733	$	1,459	$	23,989	$	6,166
Loans collectively evaluated for credit losses		1,142,046		214,117		83,431		939,169		338,788
Total	$	1,164,811	$	214,850	$	84,890	$	963,158	$	344,954

December 31, 2023 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential		Auto		Non-Auto		Total
Loans individually evaluated for credit losses	$	37,139	$	42,568	$	37,906	$	2,589	$	899	$	176,213
Loans collectively evaluated for credit losses		790,830		994,713		1,796,687		519,270		153,527		6,972,578
Total	$	827,969	$	1,037,281	$	1,834,593	$	521,859	$	154,426	$	7,148,791

Schedule of Company's Internal Ratings of its Loans Held-for-Investment, Including The Year of Origination, by Portfolio Segments

The following tables summarize the Company’s internal ratings of its loans held-for-investment, including the year of origination, by portfolio segments, at December 31, 2024 (in millions):

December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amort Cost Basis		Total
C&I
Risk rating:
Pass	$	677	$	226	$	146	$	45	$	23	$	30	$	—	$	1,147
Special mention		7		—		1		—		1		—		—		9
Substandard		12		3		4		1		—		1		—		21
Doubtful		—		—		—		—		—		—		—		—
Total	$	696	$	229	$	151	$	46	$	24	$	31	$	—	$	1,177
Year-to-Date Gross Charge-Offs	$	—	$	1	$	—	$	—	$	—	$	—	$	—	$	1

December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amort Cost Basis		Total
Municipal
Risk rating:
Pass	$	175	$	26	$	77	$	12	$	8	$	71	$	—	$	369
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	175	$	26	$	77	$	12	$	8	$	71	$	—	$	369
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amort Cost Basis		Total
Agricultural
Risk rating:
Pass	$	76	$	8	$	4	$	2	$	1	$	—	$	—	$	91
Special mention		—		—		—		—		—		—		—		—
Substandard		3		—		1		—		—		—		—		4
Doubtful		—		—		—		—		—		—		—		—
Total	$	79	$	8	$	5	$	2	$	1	$	—	$	—	$	95
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amort Cost Basis		Total
Construction & Development
Risk rating:
Pass	$	667	$	133	$	166	$	55	$	14	$	8	$	1	$	1,044
Special mention		1		—		—		—		—		—		—		1
Substandard		7		1		1		1		—		—		—		10
Doubtful		—		—		—		—		—		—		—		—
Total	$	675	$	134	$	167	$	56	$	14	$	8	$	1	$	1,055
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amort Cost Basis		Total
Farm
Risk rating:
Pass	$	114	$	42	$	72	$	60	$	18	$	23	$	—	$	329
Special mention		—		—		—		—		—		—		—		—
Substandard		1		1		4		—		4		1		—		11
Doubtful		—		—		—		—		—		—		—		—
Total	$	115	$	43	$	76	$	60	$	22	$	24	$	—	$	340
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amort Cost Basis		Total
Non-Owner Occupied CRE
Risk rating:
Pass	$	166	$	86	$	242	$	133	$	58	$	81	$	—	$	766
Special mention		4		2		1		1		—		1		—		9
Substandard		10		2		3		6		7		3		—		31
Doubtful		—		—		—		—		—		—		—		—
Total	$	180	$	90	$	246	$	140	$	65	$	85	$	—	$	806
Year-to-Date Gross Charge-Offs	$	—	$	1	$	—	$	—	$	—	$	—	$	—	$	1

December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amort Cost Basis		Total
Owner Occupied CRE
Risk rating:
Pass	$	170	$	128	$	270	$	177	$	99	$	160	$	—	$	1,004
Special mention		2		—		5		7		—		1		—		15
Substandard		1		14		30		10		1		8		—		64
Doubtful		—		—		—		—		—		—		—		—
Total	$	173	$	142	$	305	$	194	$	100	$	169	$	—	$	1,083
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amort Cost Basis		Total
Residential
Risk rating:
Pass	$	606	$	367	$	378	$	266	$	105	$	232	$	188	$	2,142
Special mention		1		1		1		3		—		2		—		8
Substandard		5		7		12		4		4		12		2		46
Doubtful		—		—		—		—		—		—		—		—
Total	$	612	$	375	$	391	$	273	$	109	$	246	$	190	$	2,196
Year-to-Date Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amort Cost Basis		Total
Auto
Risk rating:
Pass	$	338	$	122	$	126	$	38	$	10	$	2	$	—	$	636
Special mention		—		—		—		—		—		—		—		—
Substandard		1		1		1		1		—		—		—		4
Doubtful		—		—		—		—		—		—		—		—
Total	$	339	$	123	$	127	$	39	$	10	$	2	$	—	$	640
Year-to-Date Gross Charge-Offs	$	—	$	1	$	1	$	—	$	—	$	—	$	—	$	2

December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amort Cost Basis		Total
Non-Auto
Risk rating:
Pass	$	68	$	35	$	25	$	14	$	2	$	1	$	7	$	152
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		1		—		—		—		—		1
Doubtful		—		—		—		—		—		—		—		—
Total	$	68	$	35	$	26	$	14	$	2	$	1	$	7	$	153
Year-to-Date Gross Charge-Offs	$	—	$	—	$	1	$	—	$	—	$	—	$	—	$	1

December 31,	2024		2023		2022		2021		2020		Prior		Revolving Loans Amort Cost Basis		Total
Total Loans
Risk rating:
Pass	$	3,057	$	1,173	$	1,506	$	802	$	338	$	608	$	196	$	7,680
Special mention		15		3		8		11		1		4		—		42
Substandard		40		29		57		23		16		25		2		192
Doubtful		—		—		—		—		—		—		—		—
Total	$	3,112	$	1,205	$	1,571	$	836	$	355	$	637	$	198	$	7,914
Year-to-Date Gross Charge-Offs	$	—	$	3	$	2	$	—	$	—	$	—	$	—	$	5

The following tables summarize the Company’s internal ratings of its loans held-for-investment, including the year of origination by portfolio segments, at December 31, 2023 (in millions):

December 31,	2023		2022		2021		2020		2019		Prior		Revolving Loans Amort Cost Basis		Total
C&I
Risk rating:
Pass	$	720	$	276	$	73	$	36	$	14	$	23	$	—	$	1,142
Special mention		1		1		—		—		1		—		—		3
Substandard		12		2		2		1		1		2		—		20
Doubtful		—		—		—		—		—		—		—		—
Total	$	733	$	279	$	75	$	37	$	16	$	25	$	—		1,165
Year-toDate Gross Charge-Offs	$	—	$	—	$	1	$	—	$	—	$	—	$	—	$	1

December 31,	2023		2022		2021		2020		2019		Prior		Revolving Loans Amort Cost Basis		Total
Municipal
Risk rating:
Pass	$	25	$	83	$	15	$	10	$	1	$	80	$	—	$	214
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		1		—		—		—		—		1
Doubtful		—		—		—		—		—		—		—		—
Total	$	25	$	83	$	16	$	10	$	1	$	80	$	—		215
Year-toDate Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2023		2022		2021		2020		2019		Prior		Revolving Loans Amort Cost Basis		Total
Agricultural
Risk rating:
Pass	$	63	$	15	$	4	$	1	$	1	$	—	$	—	$	84
Special mention		—		—		—		—		—		—		—		—
Substandard		1		—		—		—		—		—		—		1
Doubtful		—		—		—		—		—		—		—		—
Total	$	64	$	15	$	4	$	1	$	1	$	—	$	—	$	85
Year-toDate Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2023		2022		2021		2020		2019		Prior		Revolving Loans Amort Cost Basis		Total
Construction & Development
Risk rating:
Pass	$	515	$	311	$	78	$	20	$	9	$	6	$	—	$	939
Special mention		8		2		—		—		—		—		—		10
Substandard		9		4		1		—		—		—		—		14
Doubtful		—		—		—		—		—		—		—		—
Total	$	532	$	317	$	79	$	20	$	9	$	6	$	—	$	963
Year-toDate Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2023		2022		2021		2020		2019		Prior		Revolving Loans Amort Cost Basis		Total
Farm
Risk rating:
Pass	$	101	$	111	$	73	$	24	$	8	$	22	$	—	$	339
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		5		—		1		—		6
Doubtful		—		—		—		—		—		—		—		—
Total	$	101	$	111	$	73	$	29	$	8	$	23	$	—	$	345
Year-toDate Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2023		2022		2021		2020		2019		Prior		Revolving Loans Amort Cost Basis		Total
Non-Owner Occupied CRE
Risk rating:
Pass	$	167	$	232	$	172	$	106	$	41	$	73	$	—	$	791
Special mention		—		5		1		—		—		2		—		8
Substandard		2		1		2		7		13		4		—		29
Doubtful		—		—		—		—		—		—		—		—
Total	$	169	$	238	$	175	$	113	$	54	$	79	$	—	$	828
Year-toDate Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2023		2022		2021		2020		2019		Prior		Revolving Loans Amort Cost Basis		Total
Owner Occupied CRE
Risk rating:
Pass	$	154	$	305	$	217	$	114	$	62	$	142	$	—	$	994
Special mention		1		1		4		—		1		1		—		8
Substandard		3		6		4		—		7		15		—		35
Doubtful		—		—		—		—		—		—		—		—
Total	$	158	$	312	$	225	$	114	$	70	$	158	$	—	$	1,037
Year-toDate Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2023		2022		2021		2020		2019		Prior		Revolving Loans Amort Cost Basis		Total
Residential
Risk rating:
Pass	$	477	$	415	$	313	$	158	$	67	$	229	$	138	$	1,797
Special mention		1		2		2		2		—		3		1		11
Substandard		4		4		3		3		3		7		3		27
Doubtful		—		—		—		—		—		—		—		—
Total	$	482	$	421	$	318	$	163	$	70	$	239	$	142	$	1,835
Year-toDate Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2023		2022		2021		2020		2019		Prior		Revolving Loans Amort Cost Basis		Total
Auto
Risk rating:
Pass	$	195	$	212	$	74	$	26	$	10	$	2	$	—	$	519
Special mention		—		—		—		—		—		—		—		—
Substandard		—		1		1		1		—		—		—		3
Doubtful		—		—		—		—		—		—		—		—
Total	$	195	$	213	$	75	$	27	$	10	$	2	$	—	$	522
Year-toDate Gross Charge-Offs	$	—	$	1	$	—	$	—	$	—	$	—	$	—	$	1

December 31,	2023		2022		2021		2020		2019		Prior		Revolving Loans Amort Cost Basis		Total
Non-Auto
Risk rating:
Pass	$	71	$	47	$	22	$	4	$	1	$	1	$	7	$	153
Special mention		—		—		—		—		—		—		—		—
Substandard		1		—		—		—		—		—		—		1
Doubtful		—		—		—		—		—		—		—		—
Total	$	72	$	47	$	22	$	4	$	1	$	1	$	7	$	154
Year-toDate Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

December 31,	2023		2022		2021		2020		2019		Prior		Revolving Loans Amort Cost Basis		Total
Total Loans
Risk rating:
Pass	$	2,488	$	2,007	$	1,041	$	499	$	214	$	578	$	145	$	6,972
Special mention		11		11		7		2		2		6		1		40
Substandard		32		18		14		17		24		29		3		137
Doubtful		—		—		—		—		—		—		—		—
Total	$	2,531	$	2,036	$	1,062	$	518	$	240	$	613	$	149	$	7,149
Year-toDate Gross Charge-Offs	$	—	$	1	$	1	$	—	$	—	$	—	$	—	$	2

Schedule of Past Due Loans

At December 31, 2024 and 2023, the Company’s past due loans are as follows (in thousands):

December 31, 2024	15-59 Days Past Due*		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Current		Total Loans		90 Days Past Due Still Accruing
Commercial:
C&I	$	4,232	$	3,938	$	1,368	$	9,538	$	1,167,455	$	1,176,993	$	258
Municipal		349		36		—		385		368,861		369,246		—
Total Commercial		4,581		3,974		1,368		9,923		1,536,316		1,546,239		258
Agricultural		917		10		795		1,722		93,821		95,543		—
Real Estate:
Construction & Development		5,652		564		609		6,825		1,047,778		1,054,603		—
Farm		433		1,128		—		1,561		338,104		339,665		—
Non-Owner Occupied CRE		666		—		1,979		2,645		802,921		805,566		—
Owner Occupied CRE		3,151		246		1,145		4,542		1,078,558		1,083,100		—
Residential		15,779		2,131		2,147		20,057		2,176,710		2,196,767		29
Total Real Estate		25,681		4,069		5,880		35,630		5,444,071		5,479,701		29
Consumer:
Auto		1,227		141		—		1,368		637,192		638,560		—
Non-Auto		137		34		—		171		152,884		153,055		—
Total Consumer		1,364		175		—		1,539		790,076		791,615		—
Total	$	32,543	$	8,228	$	8,043	$	48,814	$	7,864,284	$	7,913,098	$	287

December 31, 2023	15-59 Days Past Due*		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Current		Total Loans		90 Days Past Due Still Accruing
Commercial:
C&I	$	8,789	$	1,624	$	1,700	$	12,113	$	1,152,698	$	1,164,811	$	141
Municipal		102		—		—		102		214,748		214,850		—
Total Commercial		8,891		1,624		1,700		12,215		1,367,446		1,379,661		141
Agricultural		850		246		4		1,100		83,790		84,890		—
Real Estate:
Construction & Development		8,887		2,115		1,856		12,858		950,300		963,158		863
Farm		1,024		195		—		1,219		343,735		344,954		—
Non-Owner Occupied CRE		3,565		—		—		3,565		824,404		827,969		—
Owner Occupied CRE		2,818		240		1,823		4,881		1,032,400		1,037,281		—
Residential		12,293		828		2,816		15,937		1,818,656		1,834,593		—
Total Real Estate		28,587		3,378		6,495		38,460		4,969,495		5,007,955		863
Consumer:
Auto		1,482		251		24		1,757		520,102		521,859		—
Non-Auto		341		51		—		392		154,034		154,426		—
Total Consumer		1,823		302		24		2,149		674,136		676,285		—
Total	$	40,151	$	5,550	$	8,223	$	53,924	$	7,094,867	$	7,148,791	$	1,004

* The Company monitors commercial, agricultural and real estate loans after such loans are 15 days past due. Consumer loans are monitored after such loans are 30 days past due.

Analysis of Changes in Loans to Officers, Directors, Principal Shareholders, or Associates of Such Persons

An analysis of the changes in loans to officers, directors, principal shareholders, or associates of such persons for the year ended December 31, 2024 (determined as of each respective year-end) follows (in thousands):

	Beginning Balance		Additional Loans		Payments		Ending Balance
Year Ended December 31, 2024	$	72,044	$	106,594	$	108,402	$	70,236