Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Schedule of Allowance for Credit Losses

The following tables present the balance sheet activity in the ACL by portfolio segment for loans for the three month periods ended March 31, 2025 and March 31, 2024.

(dollars in thousands)	Balance December 31, 2024		Charge-Offs		Recoveries		Provision for credit losses on loans		Balance, March 31, 2025
Three Months Ended March 31, 2025
Construction, land & land development	$	1,306	$	—	$	1	$	(229)	$	1,078
Other commercial real estate	6,459		(180)		5		231		6,515
Total commercial real estate	7,765		(180)		6		2		7,593
Residential real estate	5,502		(1)		40		212		5,753
Commercial, financial & agricultural	2,904		(262)		55		848		3,545
Consumer and other	2,809		(276)		12		561		3,106
Total allowance for credit losses on loans	$	18,980	$	(719)	$	113	$	1,623	$	19,997

(dollars in thousands)	Balance December 31, 2023		Charge-Offs		Recoveries		Provision for credit losses on loans		Balance, March 31, 2024
Three Months Ended March 31, 2024
Construction, land & land development	$	2,204	$	—	$	1	$	(159)	$	2,046
Other commercial real estate	7,064		(20)		9		336		7,389
Total commercial real estate	9,268		(20)		10		177		9,435
Residential real estate	5,105		(70)		168		124		5,327
Commercial, financial & agricultural	2,110		(658)		22		546		2,020
Consumer and other	1,888		(120)		4		103		1,875
Total allowance for credit losses on loans	$	18,371	$	(868)	$	204	$	950	$	18,657

The following table presents the balance and activity in the allowance for credit losses for unfunded commitments for the three month periods ended March 31, 2025 and March 31, 2024.

	Three Months Ended March 31,
(dollars in thousands)	2025		2024
Beginning balance	$	813	$	1,375
Provision for (recovery of) unfunded commitments	(123)		50
Ending balance	$	690	$	1,425