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Loans (Tables)
 3 Months Ended
Mar. 31, 2026
Receivables [Abstract]  
Schedule of Loans Classifications
Loans were comprised of the following classifications:
 March 31,
2026		December 31,
2025
Commercial:
Commercial and Industrial Loans$745,597 $761,167 
Commercial Real Estate Loans3,152,336 3,142,472 
Agricultural Loans467,204 489,168 
Leases87,336 87,073 
Retail:
Home Equity Loans500,696 484,300 
Consumer Loans110,065 117,648 
Credit Cards27,519 28,067 
Residential Mortgage Loans767,889 774,553 
Subtotal5,858,642 5,884,448 
Less: Unearned Income(9,214)(9,351)
Allowance for Credit Losses(78,547)(77,694)
Loans, Net$5,770,881 $5,797,403 
Schedule of Allowance for Credit Losses for Loans
The following tables present the activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2026 and 2025:
March 31, 2026Commercial and Industrial
Loans		Commercial Real Estate LoansAgricultural
Loans		LeasesConsumer LoansHome Equity LoansCredit CardsResidential Mortgage LoansTotal
Allowance for Credit Losses:
Beginning Balance$19,576 $40,626 $3,324 $1,178 $687 $4,065 $600 $7,638 $77,694 
Provision (Benefit) for Credit Loss Expense(414)1,487 (80)142 186 222 201 256 2,000 
Loans Charged-off(488)— — (149)(395)— (326)(110)(1,468)
Recoveries Collected2 37 — — 177 4 101 — 321 
Total Ending Allowance Balance$18,676 $42,150 $3,244 $1,171 $655 $4,291 $576 $7,784 $78,547 
March 31, 2025Commercial and Industrial
Loans		Commercial Real Estate LoansAgricultural
Loans		LeasesConsumer LoansHome Equity LoansCredit CardsResidential Mortgage LoansTotal
Allowance for Credit Losses:
Beginning Balance$7,059 $25,818 $4,917 $397 $727 $2,196 $520 $2,802 $44,436 
Change in Accounting Method1,438 (3,271)(1,655)720 (284)1,056 (24)2,013 (7)
2/1/2025 Acquired Heartland PCD5,246 7,080 3,352 — 20 11 — 199 15,908 
Day 2 CECL Provision - Heartland1,797 7,522 170 — 179 570 — 5,962 16,200 
Provision (Benefit) for Credit Loss Expense(75)662 (1,478)34 227 108 265 (636)(893)
Loans Charged-off(126)— — — (325)— (174)— (625)
Recoveries Collected4 — — — 113 1 21 — 139 
Total Ending Allowance Balance$15,343 $37,811 $5,306 $1,151 $657 $3,942 $608 $10,340 $75,158 
Schedule of Non-Accrual and Past Due Loans
The following tables present the amortized cost in non-accrual loans and loans past due over 89 days still accruing by class of loans as of March 31, 2026 and December 31, 2025:
March 31, 2026
Non-Accrual With No Allowance for Credit Loss (1)
Total Non-AccrualLoans Past Due Over 89 Days Still Accruing
Commercial and Industrial Loans$145 $15,415 $— 
Commercial Real Estate Loans548 6,621 — 
Agricultural Loans862 2,766 — 
Leases— — — 
Home Equity Loans776 776 — 
Consumer Loans286 286 — 
Credit Cards61 61 — 
Residential Mortgage Loans2,245 3,631 — 
Total$4,923 $29,556 $— 
(1) Includes non-accrual loans with no allowance for credit loss and are also included in Total Non-Accrual loans of $29,556.
December 31, 2025
Non-Accrual With No Allowance for Credit Loss (1)
Total Non-AccrualLoans Past Due Over 89 Days Still Accruing
Commercial and Industrial Loans$308 $16,549 $— 
Commercial Real Estate Loans285 6,303 92 
Agricultural Loans1,197 3,123 — 
Leases— — — 
Home Equity Loans776 776 — 
Consumer Loans30 33 — 
Credit Cards148 148 — 
Residential Mortgage Loans1,471 2,387 — 
Total$4,215 $29,319 $92 
(1) Includes non-accrual loans with no allowance for credit loss and are also included in Total Non-Accrual loans of $29,319.
Schedule or Collateral-dependent Loans by Class
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of March 31, 2026 and December 31, 2025:
March 31, 2026Real EstateEquipmentAccounts ReceivableOtherTotal
Commercial and Industrial Loans$7,101 $6,420 $— $9,711 $23,232 
Commercial Real Estate Loans27,096 491 — — 27,587 
Agricultural Loans2,442 219 — 630 3,291 
Leases— — — — — 
Home Equity Loans425 — — — 425 
Consumer Loans— — — — — 
Credit Cards— — — — — 
Residential Mortgage Loans458 — — — 458 
Total$37,522 $7,130 $— $10,341 $54,993 
December 31, 2025Real EstateEquipmentAccounts ReceivableOtherTotal
Commercial and Industrial Loans$8,348 $6,880 $400 $10,070 $25,698 
Commercial Real Estate Loans30,670 494 — — 31,164 
Agricultural Loans2,958 279 — 633 3,870 
Leases— — — — — 
Home Equity Loans425 — — — 425 
Consumer Loans— — — — — 
Credit Cards— — — — — 
Residential Mortgage Loans633 — — — 633 
Total$43,034 $7,653 $400 $10,703 $61,790 
Schedule of Aging of Past Due Loans
The following tables present the aging of the amortized cost basis in past due loans by class of loans as of March 31, 2026 and December 31, 2025:
March 31, 202630-59 Days Past Due60-89 Days Past DueGreater Than 89 Days Past DueTotal
Past Due		Loans Not Past DueTotal
Commercial and Industrial Loans$5,075 $54 $7,689 $12,818 $732,779 $745,597 
Commercial Real Estate Loans1,411 125 4,461 5,997 3,146,339 3,152,336 
Agricultural Loans— 44 224 268 466,936 467,204 
Leases— — — — 87,336 87,336 
Home Equity Loans642 560 776 1,978 498,718 500,696 
Consumer Loans176 28 286 490 109,575 110,065 
Credit Cards126 43 61 230 27,289 27,519 
Residential Mortgage Loans9,127 — 3,398 12,525 755,364 767,889 
Total$16,557 $854 $16,895 $34,306 $5,824,336 $5,858,642 
December 31, 202530-59 Days Past Due60-89 Days Past DueGreater Than 89 Days Past DueTotal
Past Due		Loans Not Past DueTotal
Commercial and Industrial Loans$518 $1,600 $7,096 $9,214 $751,953 $761,167 
Commercial Real Estate Loans2,559 281 4,497 7,337 3,135,135 3,142,472 
Agricultural Loans875 — 1,124 1,999 487,169 489,168 
Leases— — — — 87,073 87,073 
Home Equity Loans2,415 140 776 3,331 480,969 484,300 
Consumer Loans1,017 287 33 1,337 116,311 117,648 
Credit Cards222 105 148 475 27,592 28,067 
Residential Mortgage Loans9,383 2,751 2,142 14,276 760,277 774,553 
Total$16,989 $5,164 $15,816 $37,969 $5,846,479 $5,884,448 
Schedule of Risk Category of Loans
Based on the analysis performed at March 31, 2026 and December 31, 2025, the risk category of loans by class of loans is as follows:
Term Loans Amortized Cost Basis by Origination Year
As of March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Commercial and Industrial:
Risk Rating
Pass$37,614 $123,527 $98,944 $60,692 $70,439 $88,337 $228,013 $707,566 
Special Mention— 556 202 1,949 1,149 2,185 4,101 10,142 
Substandard— 78 1,432 2,817 5,318 15,314 2,930 27,889 
Doubtful— — — — — — — — 
Total Commercial & Industrial Loans$37,614 $124,161 $100,578 $65,458 $76,906 $105,836 $235,044 $745,597 
Current Period Gross Charge-Offs$— $— $— $— $114 $7 $367 $488 
Commercial Real Estate:
Risk Rating
Pass$83,151 $487,680 $436,317 $378,598 $486,618 $1,153,519 $35,865 $3,061,748 
Special Mention— 126 2,549 17,459 3,133 28,961 927 53,155 
Substandard227 63 — 1,096 2,846 33,201 — 37,433 
Doubtful— — — — — — — — 
Total Commercial Real Estate Loans$83,378 $487,869 $438,866 $397,153 $492,597 $1,215,681 $36,792 $3,152,336 
Current Period Gross Charge-Offs$— $— $— $— $— $— $— $— 
Agricultural:
Risk Rating
Pass$18,823 $52,700 $33,102 $29,406 $44,542 $146,023 $96,851 $421,447 
Special Mention920 4,620 1,932 2,791 2,034 14,629 12,531 39,457 
Substandard— — 418 747 — 4,587 548 6,300 
Doubtful— — — — — — — — 
Total Agricultural Loans$19,743 $57,320 $35,452 $32,944 $46,576 $165,239 $109,930 $467,204 
Current Period Gross Charge-Offs$— $— $— $— $— $— $— $— 
Leases:
Risk Rating
Pass$7,777 $31,382 $22,801 $17,674 $3,288 $4,414 $— $87,336 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total Leases$7,777 $31,382 $22,801 $17,674 $3,288 $4,414 $— $87,336 
Current Period Gross Charge-Offs$— $— $— $149 $— $— $— $149 
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Commercial and Industrial:
Risk Rating
Pass$139,921 $105,911 $64,427 $77,540 $52,599 $45,106 $231,427 $716,931 
Special Mention1,171 714 2,077 1,221 286 2,046 5,364 12,879 
Substandard277 1,628 3,081 5,983 4,394 11,510 4,484 31,357 
Doubtful— — — — — — — — 
Total Commercial & Industrial Loans$141,369 $108,253 $69,585 $84,744 $57,279 $58,662 $241,275 $761,167 
Current Period Gross Charge-Offs$— $306 $— $138 $— $77 $243 $764 
Commercial Real Estate:
Risk Rating
Pass$455,803 $435,591 $385,103 $515,257 $443,780 $774,987 $36,077 $3,046,598 
Special Mention220 2,448 17,816 3,173 7,879 22,681 783 55,000 
Substandard68 12 865 2,861 8,948 28,120 — 40,874 
Doubtful— — — — — — — — 
Total Commercial Real Estate Loans$456,091 $438,051 $403,784 $521,291 $460,607 $825,788 $36,860 $3,142,472 
Current Period Gross Charge-Offs$— $— $— $— $— $26 $— $26 
Agricultural:
Risk Rating
Pass$54,791 $35,843 $33,138 $45,677 $29,011 $126,308 $118,304 $443,072 
Special Mention4,683 1,974 2,823 2,138 3,183 11,842 12,510 39,153 
Substandard— 437 832 64 101 4,526 983 6,943 
Doubtful— — — — — — — — 
Total Agricultural Loans$59,474 $38,254 $36,793 $47,879 $32,295 $142,676 $131,797 $489,168 
Current Period Gross Charge-Offs$— $— $— $— $— $8 $— $8 
Leases:
Risk Rating
Pass$33,383 $24,235 $19,668 $4,356 $2,064 $3,367 $— $87,073 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total Leases$33,383 $24,235 $19,668 $4,356 $2,064 $3,367 $— $87,073 
Current Period Gross Charge-Offs$— $— $— $— $— $— $— $— 
Schedule of Residential, Home Equity and Consumer Loans Based on Payment Activity The following tables present the amortized cost in residential, home equity and consumer loans based on payment activity as well as the current period gross charge-offs for the periods ended March 31, 2026 and December 31, 2025.
Term Loans Amortized Cost Basis by Origination Year
As of March 31, 202620262025202420232022PriorRevolving Loans Amortized Cost BasisTotal
Consumer:
Payment performance
Performing$9,448 $53,439 $19,263 $11,464 $4,306 $4,973 $6,886 $109,779 
Nonperforming— 5 264 15 — 2 — 286 
Total Consumer Loans$9,448 $53,444 $19,527 $11,479 $4,306 $4,975 $6,886 $110,065 
Current Period Gross Charge-Offs$356 $1 $23 $9 $1 $5 $— $395 
Home Equity:
Payment performance
Performing$— $379 $1,508 $1,799 $4,064 $5,788 $486,382 $499,920 
Nonperforming— — 177 206 159 210 24 776 
Total Home Equity Loans$— $379 $1,685 $2,005 $4,223 $5,998 $486,406 $500,696 
Current Period Gross Charge-Offs$— $— $— $— $— $— $— $— 
Residential Mortgage:
Payment performance
Performing$9,699 $81,094 $83,204 $93,848 $184,548 $311,865 $— $764,258 
Nonperforming— — 332 463 751 2,085 — 3,631 
Total Residential Mortgage Loans$9,699 $81,094 $83,536 $94,311 $185,299 $313,950 $— $767,889 
Current Period Gross Charge-Offs$— $— $— $51 $— $59 $— $110 
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
Consumer:
Payment performance
Performing$58,703 $28,540 $13,023 $5,094 $3,489 $2,434 $6,332 $117,615 
Nonperforming— 27 — 6 — — — 33 
Total Consumer Loans$58,703 $28,567 $13,023 $5,100 $3,489 $2,434 $6,332 $117,648 
Current Period Gross Charge-Offs$1,502 $51 $66 $30 $15 $3 $— $1,667 
Home Equity:
Payment performance
Performing$315 $1,706 $1,495 $3,900 $1,294 $4,672 $470,142 $483,524 
Nonperforming— — 198 251 85 86 156 776 
Total Home Equity Loans$315 $1,706 $1,693 $4,151 $1,379 $4,758 $470,298 $484,300 
Current Period Gross Charge-Offs$— $— $— $68 $25 $3 $— $96 
Residential Mortgage:
Payment performance
Performing$78,420 $83,687 $99,058 $188,414 $142,032 $180,555 $— $772,166 
Nonperforming— 335 148 228 502 1,174 — 2,387 
Total Residential Mortgage Loans$78,420 $84,022 $99,206 $188,642 $142,534 $181,729 $— $774,553 
Current Period Gross Charge-Offs$— $— $77 $— $37 $— $— $114 
Schedule of Recorded Investment in Credit Cards Based on Payment Activity The following table presents the recorded investment in credit cards based on payment activity:
Credit CardsMarch 31, 2026December 31, 2025
   Performing$27,458 $27,919 
   Nonperforming61 148 
      Total$27,519 $28,067 

The following tables present loans purchased and/or sold during the year by portfolio segment and excludes the business combination activity:

March 31, 2026Commercial and Industrial LoansCommercial Real Estate LoansAgricultural LoansLeasesConsumer LoansHome Equity LoansCredit CardsResidential Mortgage LoansTotal
   Purchases$— $— $— $— $— $— $— $— $— 
   Sales— — — — — — — — — 
December 31, 2025Commercial and Industrial LoansCommercial Real Estate LoansAgricultural LoansLeasesConsumer LoansHome Equity LoansCredit CardsResidential Mortgage LoansTotal
Purchases$— $— $— $— $— $— $— $— $— 
Sales— — 2,391 — — — — — 2,391