XML 52 R41.htm IDEA: XBRL DOCUMENT v3.26.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Classes of loan portfolio summarized by risk rating and year of origination and year-to-date gross charge-offs (Details) - USD ($)
3 Months Ended 12 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Dec. 31, 2025
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 $ 23,563,000   $ 123,180,000
2025/2024 123,438,000   106,185,000
2024/2023 99,900,000   119,577,000
2023/2022 116,657,000   153,340,000
2022/2021 147,980,000   123,935,000
Prior 420,082,000   320,444,000
Subtotal: Total Loans 931,620,000   946,661,000
Financing Receivable, Total 931,620,000 $ 964,181,000 946,661,000
Gross Charge Offs:      
2026/2025     1,000
2025/2024     8,000
2024/2023     459,000
2023/2022     2,503,000
2022/2021     2,000
Prior     21,000
Total Gross Charge Offs 34,000 371,000 2,994,000
Pass      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 23,303,000   122,237,000
2025/2024 123,144,000   105,792,000
2024/2023 99,507,000   117,572,000
2023/2022 105,979,000   149,669,000
2022/2021 144,410,000   121,871,000
Prior 396,769,000   300,729,000
Subtotal: Total Loans 893,112,000   917,870,000
Special Mention      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025     863,000
2025/2024 214,000   393,000
2024/2023 393,000   1,995,000
2023/2022 10,678,000   282,000
2022/2021 280,000   804,000
Prior 784,000   13,000
Subtotal: Total Loans 12,349,000   4,350,000
Substandard      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 260,000   80,000
2025/2024 80,000    
2024/2023     10,000
2023/2022     3,389,000
2022/2021 3,290,000   1,260,000
Prior 22,529,000   19,702,000
Subtotal: Total Loans 26,159,000   24,441,000
Real Estate      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 20,909,000   106,328,000
2025/2024 107,185,000   98,110,000
2024/2023 92,598,000   102,580,000
2023/2022 100,022,000   147,191,000
2022/2021 142,038,000   107,764,000
Prior 376,487,000   291,695,000
Subtotal: Total Loans 839,239,000   853,668,000
Financing Receivable, Total 839,239,000 863,664,000 853,668,000
Gross Charge Offs:      
2024/2023     10,000
2023/2022     2,000,000
Prior     7,000
Total Gross Charge Offs     2,017,000
Real Estate | Pass      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 20,659,000   105,385,000
2025/2024 106,891,000   98,017,000
2024/2023 92,505,000   100,585,000
2023/2022 98,037,000   143,520,000
2022/2021 138,468,000   105,700,000
Prior 353,184,000   272,003,000
Subtotal: Total Loans 809,744,000   825,210,000
Real Estate | Special Mention      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025     863,000
2025/2024 214,000   93,000
2024/2023 93,000   1,995,000
2023/2022 1,985,000   282,000
2022/2021 280,000   804,000
Prior 784,000    
Subtotal: Total Loans 3,356,000   4,037,000
Real Estate | Substandard      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 250,000   80,000
2025/2024 80,000    
2023/2022     3,389,000
2022/2021 3,290,000   1,260,000
Prior 22,519,000   19,692,000
Subtotal: Total Loans 26,139,000   24,421,000
Agricultural      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025     24,000
2025/2024 116,000   168,000
2024/2023 162,000   151,000
2023/2022 223,000   24,000
2022/2021 23,000    
Prior 706,000   617,000
Subtotal: Total Loans 1,230,000   984,000
Financing Receivable, Total 1,230,000 1,117,000 984,000
Agricultural | Pass      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025     24,000
2025/2024 116,000   168,000
2024/2023 162,000   151,000
2023/2022 223,000   24,000
2022/2021 23,000    
Prior 706,000   617,000
Subtotal: Total Loans 1,230,000   984,000
Commercial and Industrial      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 2,020,000   14,374,000
2025/2024 13,943,000   6,597,000
2024/2023 6,015,000   15,050,000
2023/2022 14,734,000   4,414,000
2022/2021 4,271,000   3,303,000
Prior 25,204,000   23,186,000
Subtotal: Total Loans 66,187,000   66,924,000
Financing Receivable, Total 66,187,000 68,223,000 66,924,000
Gross Charge Offs:      
2024/2023     442,000
2023/2022     500,000
Total Gross Charge Offs   361,000 942,000
Commercial and Industrial | Pass      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 2,010,000   14,374,000
2025/2024 13,943,000   6,297,000
2024/2023 5,715,000   15,040,000
2023/2022 6,041,000   4,414,000
2022/2021 4,271,000   3,303,000
Prior 25,204,000   23,186,000
Subtotal: Total Loans 57,184,000   66,614,000
Commercial and Industrial | Special Mention      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2025/2024     300,000
2024/2023 300,000    
2023/2022 8,693,000    
Subtotal: Total Loans 8,993,000   300,000
Commercial and Industrial | Substandard      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 10,000    
2024/2023     10,000
Subtotal: Total Loans 10,000   10,000
Consumer      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 634,000   1,593,000
2025/2024 1,298,000   1,310,000
2024/2023 1,125,000   657,000
2023/2022 545,000   337,000
2022/2021 274,000   340,000
Prior 1,005,000   716,000
Subtotal: Total Loans 4,881,000   4,953,000
Financing Receivable, Total 4,881,000 6,544,000 4,953,000
Gross Charge Offs:      
2026/2025     1,000
2025/2024     8,000
2024/2023 17,000   7,000
2023/2022 6,000   3,000
2022/2021     2,000
Prior 11,000   14,000
Total Gross Charge Offs 34,000 10,000 35,000
Consumer | Pass      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 634,000   1,593,000
2025/2024 1,298,000   1,310,000
2024/2023 1,125,000   657,000
2023/2022 545,000   337,000
2022/2021 274,000   340,000
Prior 995,000   693,000
Subtotal: Total Loans 4,871,000   4,930,000
Consumer | Special Mention      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Prior     13,000
Subtotal: Total Loans     13,000
Consumer | Substandard      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Prior 10,000   10,000
Subtotal: Total Loans 10,000   10,000
State and Political Subdivisions      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025     861,000
2025/2024 896,000    
2024/2023     1,139,000
2023/2022 1,133,000   1,374,000
2022/2021 1,374,000   12,528,000
Prior 16,680,000   4,230,000
Subtotal: Total Loans 20,083,000   20,132,000
Financing Receivable, Total 20,083,000 $ 24,633,000 20,132,000
State and Political Subdivisions | Pass      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025     861,000
2025/2024 896,000    
2024/2023     1,139,000
2023/2022 1,133,000   1,374,000
2022/2021 1,374,000   12,528,000
Prior 16,680,000   4,230,000
Subtotal: Total Loans $ 20,083,000   $ 20,132,000