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Loans (Tables)
 12 Months Ended
Dec. 31, 2024
Receivables [Abstract]  
Schedule of Loan Portfolio Segments and Classes
The table below identifies the Company's loan portfolio segments and classes.
Portfolio SegmentClass of Financing Receivable
CommercialOwner occupied real estate
Non-owner occupied real estate
Residential spec homes
Development & spec land
Commercial and industrial
Residential real estateResidential mortgage
Residential construction
Mortgage warehouseMortgage warehouse
ConsumerInstallment
Indirect auto
Home equity
Schedule of Loans Outstanding by Portfolio Class
The following table presents total outstanding loans held of investment by portfolio class, as of December 31, 2024 and 2023.
December 31,
2024		December 31,
2023
Commercial
Owner occupied real estate$667,165 $640,731 
Non–owner occupied real estate1,501,456 1,273,838 
Residential spec homes15,611 13,489 
Development & spec land18,627 34,039 
Commercial & industrial875,297 712,863 
Total commercial3,078,156 2,674,960 
Real estate
Residential mortgage783,961 654,295 
Residential construction18,948 26,841 
Mortgage warehouse— 45,078 
Total residential real estate802,909 726,214 
Consumer
Installment97,190 52,366 
Indirect auto303,901 399,946 
Home equity564,884 564,144 
Total consumer965,975 1,016,456 
Total loans held for investment4,847,040 4,417,630 
Allowance for credit losses(51,980)(50,029)
Loans held for investment, net$4,795,060 $4,367,601 
Schedule of Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans
The following table presents non–accrual loans and loans past due over 90 days still on accrual by class of loans at December 31, 2024:
December 31, 2024
Total
Non–accrual		Loans Past
Due Over 90
Days Still
Accruing		Non–accruing Loans with no Allowance for Credit Losses
Commercial
Owner occupied real estate$2,448 $— $1,419 
Non–owner occupied real estate444 — 444 
Residential spec homes— — — 
Development & spec land534 — 534 
Commercial and industrial2,232 — 1,239 
Total commercial5,658 — 3,636 
Real estate
Residential mortgage11,215 — — 
Residential construction— — — 
Mortgage warehouse— — — 
Total real estate11,215 — — 
Consumer
Installment338 128 — 
Indirect auto1,542 358 — 
Home equity7,039 680 — 
Total consumer8,919 1,166 — 
Total$25,792 $1,166 $3,636 
The following table presents non–accrual loans, loans past due over 90 days still on accrual by class of loan at December 31, 2023:
December 31, 2023
Total
Non–accrual		Loans Past
Due Over 90
Days Still
Accruing		Non–performing Loans with no Allowance for Credit Losses
Commercial
Owner occupied real estate$2,636 $— $1,789 
Non–owner occupied real estate3,485 — 1,242 
Residential spec homes— — — 
Development & spec land617 — 617 
Commercial and industrial624 — 20 
Total commercial7,362 — 3,668 
Real estate
Residential mortgage8,058 — — 
Residential construction— — — 
Mortgage warehouse— — — 
Total real estate8,058 — — 
Consumer
Installment88 — — 
Indirect auto899 299 — 
Home equity3,303 260 — 
Total consumer4,290 559 — 
Total$19,710 $559 $3,668 
Schedule of Payment Status by Class of Loan
The following table presents the payment status by class of loan at December 31, 2024:
December 31, 2024
Current30–59 Days
Past Due		60–89 Days
Past Due		90 Days or
Greater
Past Due		Total Past DueTotal Loans
Commercial
Owner occupied real estate$665,875 $1,195 $— $95 $1,290 $667,165 
Non–owner occupied real estate1,500,229 931 — 296 1,227 1,501,456 
Residential spec homes15,611 — — — — 15,611 
Development & spec land18,627 — — — — 18,627 
Commercial and industrial872,893 2,155 70 179 2,404 875,297 
Total commercial3,073,235 4,281 70 570 4,921 3,078,156 
Real estate
Residential mortgage773,214 — 4,163 6,584 10,747 783,961 
Residential construction18,948 — — — — 18,948 
Mortgage warehouse— — — — — — 
Total real estate792,162 — 4,163 6,584 10,747 802,909 
Consumer
Installment95,337 1,325 181 347 1,853 97,190 
Indirect auto298,048 4,179 806 868 5,853 303,901 
Home equity551,483 7,143 1,537 4,721 13,401 564,884 
Total consumer944,868 12,647 2,524 5,936 21,107 965,975 
Total$4,810,265 $16,928 $6,757 $13,090 $36,775 $4,847,040 
The following table presents the payment status by class of loan at December 31, 2023:
December 31, 2023
Current30–59 Days
Past Due		60–89 Days
Past Due		90 Days or
Greater
Past Due		Total Past DueTotal
Commercial
Owner occupied real estate$638,389 $2,342 $— $— $2,342 $640,731 
Non–owner occupied real estate1,273,791 — — 47 47 $1,273,838 
Residential spec homes13,489 — — — — $13,489 
Development & spec land33,036 — 1,003 — 1,003 $34,039 
Commercial and industrial710,567 1,659 54 583 2,296 $712,863 
Total commercial2,669,272 4,001 1,057 630 5,688 2,674,960 
Real estate
Residential mortgage646,984 2,823 2,353 2,135 7,311 $654,295 
Residential construction26,841 — — — — $26,841 
Mortgage warehouse45,078 — — — — $45,078 
Total real estate718,903 2,823 2,353 2,135 7,311 $726,214 
Consumer
Installment52,001 304 10 51 365 $52,366 
Indirect auto393,615 4,958 736 637 6,331 $399,946 
Home equity558,062 3,748 1,217 1,117 6,082 $564,144 
Total consumer1,003,678 9,010 1,963 1,805 12,778 1,016,456 
Total$4,391,853 $15,834 $5,373 $4,570 $25,777 $4,417,630 
The following tables summarize the financial impacts of loan modifications and payment deferrals, as applicable, during the year ended December 31, 2024 and 2023, respectively.
December 31, 2024
Weighted Average Term Extension (In Months)Weighted Average Interest Rate Reduction (In Percentage Terms)Weighted Average Payment Delay (In Months)Term Extension (In Months) & Rate Reduction (In Percentage Terms)
Commercial
Owner occupied real estate6— %5
Weighted average term extension of 60 months & Weighted average interest rate reduction of 1.04%
Non-owner occupied real estate— — — — 
Commercial and industrial29— 6
Weighted average term extension of 21 months & Weighted average interest rate reduction of 2.25%
December 31, 2023
Weighted Average Term Extension (In Months)Weighted Average Interest Rate Reduction (Int Percentage Terms)Weighted Average Payment Delay (In Months)Term Extension
(In Months) &
Rate Reduction
(In Percentage Terms)
Multiple1
Commercial
Owner occupied real estate12— %— — 
Non-owner occupied real estate— — — — 
Commercial and industrial23— — 
Weighted average term extension of 105 months &
Weighted average interest rate reduction of 1.22%
Weighted average term extension of 32 months & Weighted average payment deferral of 4 months
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.
Financing Receivable, Modified
The following tables detail the amortized cost as of December 31, 2024 and 2023, respectively, of loans that were modified to borrowers experiencing financial difficulty during the year ended:
December 31, 2024
Term ExtensionInterest Rate ReductionOther-Than-Insignificant Payment DelayTerm Extension and Interest Rate Reduction
Multiple1
Total% of Loans Held for Investment
Commercial
Owner occupied real estate$2,038 $— $651 $2,418 $— $5,107 0.77 %
Non–owner occupied real estate— — — — — — — %
Commercial and industrial3,448 — 740 236 — 4,424 0.51 %
Total$5,486 $— $1,391 $2,654 $— $9,531 0.20 %
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.
December 31, 2023
Term ExtensionInterest Rate ReductionOther-Than-Insignificant Payment DelayTerm Extension and Interest Rate Reduction
Multiple1
Total% of Loans Held for Investment
Commercial
Owner occupied real estate$3,717 $— $— $— $— $3,717 0.58 %
Non–owner occupied real estate— — — — — — — %
Commercial and industrial1,953 — — 562 131 2,646 0.37 %
Total$5,670 $— $— $562 $131 $6,363 0.13 %
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.
Schedule of Modified Loans, Past Due
The following table presents the amortized cost basis at December 31, 2024 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months:

December 31, 2024
Current30-89 Days Past Due90 Days or Greater
Past Due		Total
Commercial
Owner occupied real estate$5,107 $— $— $5,107 
Non–owner occupied real estate0— — 0
Commercial and industrial4,424— — 4,424
Total$9,531 $— $— $9,531 
The following table presents the amortized cost basis at December 31, 2023 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months:
December 31, 2023
Current30-89 Days Past Due90 Days or Greater
Past Due		Total
Commercial
Owner occupied real estate$2,646 $— $— $2,646 
Non–owner occupied real estate— — — — 
Commercial and industrial3,717 — — 3,717 
Total$6,363 $— $— $6,363 
Schedule of Allowance for Credit Loss Allocated for Collateral Dependent Loans
The tables below present the amortized cost basis and allowance for credit losses (“ACL”) allocated for collateral dependent loans in accordance with ASC 326, which are individually evaluated to determine expected credit losses, at December 31, 2024 and 2023.
December 31, 2024
Real EstateAccounts Receivable/EquipmentOtherTotalACL Allocation
Commercial
Owner occupied real estate$2,448 $— $— $2,448 $224 
Non–owner occupied real estate444 — — 444 — 
Residential spec homes— — — — — 
Development & spec land534 — — 534 — 
Commercial and industrial1,756 476 — 2,232 731 
Total commercial5,182 476 — 5,658 955 
Total collateral dependent loans$5,182 $476 $— $5,658 $955 
(1) Collateral dependent loans had a collateral fair value of $3.4 million at December 31, 2024
December 31, 2023
Real EstateAccounts Receivable/EquipmentOtherTotalACL Allocation
Commercial
Owner occupied real estate$2,636 $— $— $2,636 $190 
Non–owner occupied real estate3,485 — — 3,485 699 
Residential spec homes— — — — — 
Development & spec land617 — — 617 — 
Commercial and industrial563 42 20 625 604 
Total commercial7,301 42 20 7,363 1,493 
Total collateral dependent loans$7,301 $42 $20 $7,363 $1,493 
(1) Collateral dependent loans had a collateral fair value of $6.3 million at December 31, 2023
Schedule of Loans by Credit Grades
The following tables present loans by credit grades and origination year at December 31, 2024.
December 31, 202420242023202220212020PriorRevolving Term
Loans		Revolving
Loans		Total
Commercial
Owner occupied real estate
Pass$75,649 $74,305 $90,872 $68,978 $36,778 $178,936 $92,227 $12,365 $630,110 
Special Mention129 — 1,724 1,769 142 8,759 — 100 12,623 
Substandard2,970 8,761 1,051 6,307 — 4,843 — 500 24,432 
Doubtful— — — — — — — — — 
Total owner occupied real estate$78,748 $83,066 $93,647 $77,054 $36,920 $192,538 $92,227 $12,965 $667,165 
Gross charge–offs for the year ended December 31, 2024$— $— $— $— $— $1 $— $— $1 
Non–owner occupied real estate
Pass$194,167 $115,378 $244,266 $133,689 $100,688 $344,558 $298,288 $11,726 $1,442,760 
Special Mention— 4,211 16,409 1,249 — 31,083 — — 52,952 
Substandard83 297 — — — 5,364 — — 5,744 
Doubtful— — — — — — — — — 
Total non–owner occupied real estate$194,250 $119,886 $260,675 $134,938 $100,688 $381,005 $298,288 $11,726 $1,501,456 
Gross charge–offs for the year ended December 31, 2024$— $— $— $— $— $— $— $— $— 
Residential spec homes
Pass$362 $— $— $420 $— $— $10,986 $3,843 $15,611 
Special Mention— — — — — — — — — 
Substandard— — — — — — — — — 
Doubtful— — — — — — — — — 
Total residential spec homes$362 $— $— $420 $— $— $10,986 $3,843 $15,611 
Gross charge–offs for the year ended December 31, 2024$— $— $— $— $— $— $— $— $— 
Development & spec land
Pass$819 $4,139 $788 $1,133 $328 $2,039 $7,931 $599 $17,776 
Special Mention— — — — — 317 — — 317 
Substandard— — — — — — 534 — 534 
Doubtful— — — — — — — — — 
Total development & spec land$819 $4,139 $788 $1,133 $328 $2,356 $8,465 $599 $18,627 
Gross charge–offs for the year ended December 31, 2024$— $— $— $— $— $— $— $— $— 
Commercial & industrial
Pass$242,562 $105,877 $128,707 $73,008 $6,954 $54,764 $48,313 $179,370 $839,555 
Special Mention1,246 324 1,245 28 1 1,573 9,519 9,281 23,217 
Substandard843 2,599 318 217 266 3,170 1,003 4,109 12,525 
Doubtful— — — — — — — — — 
Total commercial & industrial244,651 108,800 130,270 73,253 7,221 59,507 58,835 192,760 875,297 
Gross charge–offs for the year ended December 31, 2024$— $— $— $— $— $45 $108 $— $153 
December 31, 202420242023202220212020PriorRevolving Term
Loans		Revolving
Loans		Total
Real estate
Residential mortgage
Performing$69,264 $145,927 $160,780 $140,310 $78,563 $177,902 $— $— $772,746 
Non–performing201 1,619 2,125 1,472 706 5,092 — — 11,215 
Total residential mortgage$69,465 $147,546 $162,905 $141,782 $79,269 $182,994 $— $— $783,961 
Gross charge–offs for the year ended December 31, 2024$— $— $— $— $— $5 $— $— $5 
Residential construction
Performing$— $— $— $— $— $— $18,948 $— $18,948 
Non–performing— — — — — — — — — 
Total residential construction$— $— $— $— $— $— $18,948 $— $18,948 
Gross charge–offs for the year ended December 31, 2024$— $— $— $— $— $— $— $— $— 
Mortgage warehouse
Performing$— $— $— $— $— $— $— $— $— 
Non–performing— — — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $— $— $— 
Gross charge–offs for the year ended December 31, 2024$— $— $— $— $— $— $— $— $— 
December 31, 202420242023202220212020PriorRevolving Term
Loans		Revolving
Loans		Total
Consumer
Direct installment
Performing$11,306 $59,850 $9,510 $5,398 $2,679 $6,003 $60 $1,918 $96,724 
Non–performing1 374 46 19 — 26 — — 466 
Total direct installment$11,307 $60,224 $9,556 $5,417 $2,679 $6,029 $60 $1,918 $97,190 
Gross charge–offs for the year ended December 31, 2024$72 $93 $169 $1 $35 $78 $9 $— $457 
Indirect installment
Performing$26,839 $70,143 $130,610 $49,458 $17,647 $7,304 $— $— $302,001 
Non–performing— 425 800 304 242 129 — — 1,900 
Total indirect installment$26,839 $70,568 $131,410 $49,762 $17,889 $7,433 $— $— $303,901 
Gross charge–offs for the year ended December 31, 2024$161 $449 $1,345 $527 $188 $99 $— $— $2,769 
Home equity
Performing$13,552 $21,845 $16,136 $5,110 $1,902 $9,210 $18,657 $470,753 $557,165 
Non–performing— 421 426 — 30 296 6,465 81 7,719 
Total home equity13,552 22,266 16,562 5,110 1,932 9,506 25,122 470,834 564,884 
Gross charge–offs for the year ended December 31, 2024$— $23 $52 $88 $— $39 $110 $11 $323 
The following table presents loans by credit grades and origination year at December 31, 2023.
December 31, 202320232022202120202019PriorRevolving Term
Loans		Revolving
Loans		Total
Commercial
Owner occupied real estate
Pass$66,814 $101,620 $73,199 $44,067 $41,726 $173,913 $93,432 $8,226 $602,997 
Special Mention3,920 490 3,777 — 2,038 8,128 — 452 18,805 
Substandard1,376 — 6,490 966 228 9,339 530 — 18,929 
Doubtful— — — — — — — — — 
Total owner occupied real estate$72,110 $102,110 $83,466 $45,033 $43,992 $191,380 $93,962 $8,678 $640,731 
Gross charge–offs for the year ended December 31, 2023$— $— $— $— $— $3 $401 $— $404 
Non–owner occupied real estate
Pass$116,031 $197,702 $149,540 $104,591 $83,394 $303,191 $246,569 $9,878 $1,210,896 
Special Mention1,366 16,135 1,334 254 845 36,590 — — 56,524 
Substandard— — — 185 — 6,233 — — 6,418 
Doubtful— — — — — — — — — 
Total non–owner occupied real estate$117,397 $213,837 $150,874 $105,030 $84,239 $346,014 $246,569 $9,878 $1,273,838 
Gross charge–offs for the year ended December 31, 2023$— $— $— $— $— $9 $— $— $9 
Residential spec homes
Pass$— $— $498 $— $— $— $5,852 $7,139 $13,489 
Special Mention— — — — — — — — — 
Substandard— — — — — — — — — 
Doubtful— — — — — — — — — 
Total residential spec homes$— $— $498 $— $— $— $5,852 $7,139 $13,489 
Gross charge–offs for the year ended December 31, 2023$— $— $— $— $— $— $29 $— $29 
Development & spec land
Pass$5,133 $1,477 $990 $390 $247 $3,146 $20,236 $170 $31,789 
Special Mention— — — — — — 1,529 — 1,529 
Substandard— — — — — 104 617 — 721 
Doubtful— — — — — — — — — 
Total development & spec land$5,133 $1,477 $990 $390 $247 $3,250 $22,382 $170 $34,039 
Gross charge–offs for the year ended December 31, 2023$— $— $— $— $— $— $— $— $— 
Commercial & industrial
Pass$121,969 $151,847 $93,709 $12,154 $20,497 $59,041 $60,539 $147,773 $667,529 
Special Mention1,434 726 265 2,137 119 1,305 9,375 18,836 34,197 
Substandard1,595 703 223 211 768 2,404 2,863 2,370 11,137 
Doubtful— — — — — — — — — 
Total commercial & industrial$124,998 $153,276 $94,197 $14,502 $21,384 $62,750 $72,777 $168,979 $712,863 
Gross charge–offs for the year ended December 31, 2023$— $33 $— $123 $25 $72 $344 $— $597 

December 31, 202320232022202120202019PriorRevolving
Term Loans		Revolving
Loans		Total
Real estate
Residential mortgage
Performing$40,920 $154,803 $157,480 $85,159 $30,464 $177,411 $— $— $646,237 
Non–performing118 1,591 748 259 647 4,695 — — 8,058 
Total residential mortgage$41,038 $156,394 $158,228 $85,418 $31,111 $182,106 $— $— $654,295 
Gross charge–offs for the year ended December 31, 2023$— $28 $— $— $— $20 $— $— $48 
Residential construction
Performing$— $— $— $— $— $— $26,841 $— $26,841 
Non–performing— — — — — — — — — 
Total residential construction$— $— $— $— $— $— $26,841 $— $26,841 
Gross charge–offs for the year ended December 31, 2023$— $— $— $— $— $— $— $— $— 
Mortgage warehouse
Performing$— $— $— $— $— $— $— $45,078 $45,078 
Non–performing— — — — — — — — — 
Total mortgage warehouse— — — — — — — 45,078 45,078 
Gross charge–offs for the year ended December 31, 2023$— $— $— $— $— $— $— $— $— 
December 31, 202320232022202120202019PriorRevolving Term
Loans		Revolving
Loans		Total
Consumer
Direct installment
Performing$14,835 $13,447 $7,859 $4,246 $4,449 $5,074 $6 $2,362 $52,278 
Non–performing— 44 10 — 27 7 — — 88 
Total direct installment$14,835 $13,491 $7,869 $4,246 $4,476 $5,081 $6 $2,362 $52,366 
Gross charge–offs for the year ended December 31, 2023$33 $28 $31 $10 $32 $27 $6 $— $167 
Indirect installment
Performing$65,260 $191,871 $80,773 $35,995 $16,690 $8,159 $— $— $398,748 
Non–performing49 424 312 229 124 60 — — 1,198 
Total indirect installment$65,309 $192,295 $81,085 $36,224 $16,814 $8,219 $— $— $399,946 
Gross charge–offs for the year ended December 31, 2023$86 $1,388 $708 $137 $58 $74 $— $— $2,451 
Home equity
Performing$26,376 $21,379 $5,121 $2,447 $3,885 $9,987 $12,713 $478,673 $560,581 
Non–performing— 212 — 54 177 260 2,860 — 3,563 
Total home equity26,376 21,591 5,121 2,501 4,062 10,247 15,573 478,673 564,144 
Gross charge–offs for the year ended December 31, 2023$— $10 $— $103 $— $91 $13 $— $217