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Loans (Tables)
 3 Months Ended
Mar. 31, 2025
Receivables [Abstract]  
Schedule of Composition of Loans Segregated by Class of Loans
The following table presents the composition of loans segregated by class of loans, as of March 31, 2025 and December 31, 2024.
(dollars in thousands)March 31, 2025December 31, 2024
Construction, land & land development$208,872 $205,046 
Other commercial real estate1,052,967 990,648 
Total commercial real estate1,261,839 1,195,694 
Residential real estate345,521 344,167 
Commercial, financial & agricultural 213,355 213,910 
Consumer and other100,548 89,209 
Total Loans$1,921,263 $1,842,980 
The following table presents the composition of government guaranteed loans segregated by class of loans for each respective period.
(dollars in thousands)March 31, 2025December 31, 2024
Construction, land & land development$2,307 $2,317 
Other commercial real estate38,872 41,471 
Total commercial real estate41,179 43,788 
Residential real estate9,679 9,348 
Commercial, financial & agricultural 28,659 28,500 
Consumer and other— — 
Total Loans$79,517 $81,636 
Schedule of Loan Portfolio Segregated by Class of Loans
The following tables present the loan portfolio segregated by class of loans and the risk category of term loans by vintage year, which is the year of origination or most recent renewal, as of March 31, 2025 and December 31, 2024. Those loans with a risk grade of 1, 2, 3, 4, 5 and 98 have been combined in the pass line for presentation purposes. Loans with a risk grade of 7, 8 and 99 have been combined in the substandard line. There were no loans with a risk rating of "doubtful" or "loss" at March 31, 2025 or December 31, 2024.
Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)20252024202320222021PriorRevolversRevolvers converted to term loansTotal
March 31, 2025
Construction, land & land development
Risk rating
Pass$35,800 $82,734 $36,464 $26,162 $16,400 $7,222 $62 $— $204,844 
Special Mention— — 3,214 — — 406 281 — 3,901 
Substandard— 42 — — — 85 — — 127 
Total Construction, land & land development35,800 82,776 39,678 26,162 16,400 7,713 343 — 208,872 
  Current period gross write offs$— $— $— $— $— $— $— $— $— 
Other commercial real estate
Risk rating
Pass63,814 81,980 78,914 343,410 178,848 265,263 10,024 1,846 1,024,099 
Special Mention— — 1,991 2,769 173 4,831 — 527 10,291 
Substandard— 4,583 2,327 6,958 527 3,136 600 446 18,577 
Total Other commercial real estate63,814 86,563 83,232 353,137 179,548 273,230 10,624 2,819 1,052,967 
Current period gross write offs— — 180 — — — — — 180 
Residential real estate
Risk rating
Pass6,973 17,584 75,408 110,868 42,177 59,585 23,816 822 337,233 
Special Mention— — 1,645 — 1,922 2,855 196 — 6,618 
Substandard— — — 804 275 591 — — 1,670 
Total Residential real estate6,973 17,584 77,053 111,672 44,374 63,031 24,012 822 345,521 
Current period gross write offs— — — — — 1 — — 1 
Commercial, financial & agricultural
Risk rating
Pass11,843 41,918 41,172 31,191 11,823 21,633 38,552 722 198,854 
Special Mention1,322 1,017 1,766 1,280 142 18 2,880 — 8,425 
Substandard— 128 2,649 1,028 994 899 373 5 6,076 
Total Commercial, financial & agricultural13,165 43,063 45,587 33,499 12,959 22,550 41,805 727 213,355 
Current period gross write offs36 71 68 21 6 60 — — 262 
Consumer and other
Risk rating
Pass20,201 40,496 34,737 2,288 694 1,548 436 11 100,411 
Special Mention— 134 — — — — — — 134 
Substandard— 1 — — 1 1 — — 3 
Total Consumer and other20,201 40,631 34,737 2,288 695 1,549 436 11 100,548 
Current period gross write offs— 250 22 4 — — — — 276 
Total Loans
Risk rating
Pass138,631 264,712 266,695 513,919 249,942 355,251 72,890 3,401 1,865,441 
Special Mention1,322 1,151 8,616 4,049 2,237 8,110 3,357 527 29,369 
Substandard— 4,754 4,976 8,790 1,797 4,712 973 451 26,453 
Total Loans$139,953 $270,617 $280,287 $526,758 $253,976 $368,073 $77,220 $4,379 $1,921,263 
Total current period gross write offs$36 $321 $270 $25 $6 $61 $— $— $719 
Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)20242023202220212020PriorRevolversRevolvers converted to term loansTotal
December 31, 2024
Construction, land & land development
Risk rating
Pass$98,269 $47,378 $25,930 $23,193 $1,979 $5,379 $53 $— $202,181 
Special Mention— 2,088 — — 411 — 281 — 2,780 
Substandard— — — — — 85 — — 85 
Total Construction, land & land development98,269 49,466 25,930 23,193 2,390 5,464 334 — 205,046 
  Current period gross write offs$— $— $— $— $— $— $— $— $— 
Other commercial real estate
Risk rating
Pass55,169 85,172 343,123 180,568 76,905 194,444 21,341 1,849 958,571 
Special Mention850 1,999 4,288 173 2,344 7,376 610 1,069 18,709 
Substandard4,114 2,586 2,875 459 352 2,419 563 — 13,368 
Total Other commercial real estate60,133 89,757 350,286 181,200 79,601 204,239 22,514 2,918 990,648 
Current period gross write offs— — — — — 20 — — 20 
Residential real estate
Risk rating
Pass16,675 76,074 112,784 45,111 18,978 44,892 23,222 926 338,662 
Special Mention— 1,672 374 — — 1,989 204 — 4,239 
Substandard— — 442 270 28 526 — — 1,266 
Total Residential real estate16,675 77,746 113,600 45,381 19,006 47,407 23,426 926 344,167 
Current period gross write offs— — 400 18 — 9 — — 427 
Commercial, financial & agricultural
Risk rating
Pass44,380 46,610 33,124 12,322 8,662 16,143 43,051 742 205,034 
Special Mention— 622 2,136 12 — — 700 — 3,470 
Substandard105 1,612 858 1,904 271 218 433 5 5,406 
Total Commercial, financial & agricultural44,485 48,844 36,118 14,238 8,933 16,361 44,184 747 213,910 
Current period gross write offs138 588 659 986 28 68 — — 2,467 
Consumer and other
Risk rating
Pass53,500 30,186 2,312 857 530 1,291 456 13 89,145 
Special Mention— — — — — — — — — 
Substandard49 — 12 1 2 — — — 64 
Total Consumer and other53,549 30,186 2,324 858 532 1,291 456 13 89,209 
Current period gross write offs84 392 81 1 5 41 — — 604 
Total Loans
Risk rating
Pass267,993 285,420 517,273 262,051 107,054 262,149 88,123 3,530 1,793,593 
Special Mention850 6,381 6,798 185 2,755 9,365 1,795 1,069 29,198 
Substandard4,268 4,198 4,187 2,634 653 3,248 996 5 20,189 
Total Loans$273,111 $295,999 $528,258 $264,870 $110,462 $274,762 $90,914 $4,604 $1,842,980 
Total current period gross write offs$222 $980 $1,140 $1,005 $33 $138 $— $— $3,518 
Schedule of Aging of Amortized Cost Basis of Loans by Aging Category and Accrual Status
The following table presents an age analysis of past due loans and nonaccrual loans, segregated by class of loans, as of March 31, 2025 and December 31, 2024:
(dollars in thousands)30-89 Days
Past Due		90 Days
or More
Past Due		Total Accruing
Loans Past Due		Nonaccrual
Loans		Current LoansTotal Loans
March 31, 2025
Construction, land & land development$1 $— $1 $— $208,871 $208,872 
Other commercial real estate828 — 828 5,518 1,046,621 1,052,967 
Total commercial real estate829 — 829 5,518 1,255,492 1,261,839 
Residential real estate2,889 — 2,889 1,608 341,024 345,521 
Commercial, financial & agricultural1,666 — 1,666 5,327 206,362 213,355 
Consumer and other524 22 546 3 99,999 100,548 
Total Loans$5,908 $22 $5,930 $12,456 $1,902,877 $1,921,263 
December 31, 2024
Construction, land & land development$544 $— $544 $— $204,502 $205,046 
Other commercial real estate2,441 — 2,441 4,833 983,374 990,648 
Total commercial real estate2,985 — 2,985 4,833 1,187,876 1,195,694 
Residential real estate3,689 — 3,689 1,204 339,274 344,167 
Commercial, financial & agricultural1,348 — 1,348 4,559 208,003 213,910 
Consumer and other339 152 491 64 88,654 89,209 
Total Loans$8,361 $152 $8,513 $10,660 $1,823,807 $1,842,980 
Schedule of Nonaccrual Loans
The following tables display a summary of the Company's nonaccrual loans by major categories for the periods indicated.
March 31, 2025
(dollars in thousands)Nonaccrual Loans with No Related ACLNonaccrual Loans with a Related ACLTotal Nonaccrual Loans
Construction, land & land development$— $— $— 
Other commercial real estate1,482 4,036 5,518 
Total commercial real estate1,482 4,036 5,518 
Residential real estate— 1,608 1,608 
Commercial, financial & agricultural— 5,327 5,327 
Consumer and other— 3 3 
Total Loans$1,482 $10,974 $12,456 
December 31, 2024
(dollars in thousands)Nonaccrual Loans with No Related ACLNonaccrual Loans with a Related ACLTotal Nonaccrual Loans
Construction, land & land development$— $— $— 
Other commercial real estate1,482 3,351 4,833 
Total commercial real estate1,482 3,351 4,833 
Residential real estate— 1,204 1,204 
Commercial, financial & agricultural— 4,559 4,559 
Consumer and other— 64 64 
Total Loans$1,482 $9,178 $10,660 
Schedule of Loans Modified Due to Financial Difficulty
The following tables present loans modified due to a financial difficulty under the above terms as of the three month periods ended March 31, 2025 and March 31, 2024.
Three months ended March 31, 2025
(dollars in thousands)Term ExtensionPayment DelayTerm Extension and Payment DelayTotal*
Construction, land & land development$— $84 $— $84 
Other commercial real estate355 — 144 499 
Residential real estate5 — — 5 
Commercial, financial & agricultural— 339 557 896 
Total Loans$360 $423 $701 $1,484 
*less than 0.5% of total class of receivable
Three months ended March 31, 2024
(dollars in thousands)Term ExtensionPayment DelayTerm Extension and Payment DelayTotal*
Other commercial real estate$131 $— $144 $275 
Commercial, financial & agricultural— — 42 42 
Total Loans$131 $— $186 $317 
*less than .03% of total class of receivable