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Loans (Tables)
3 Months Ended
Mar. 31, 2026
Receivables [Abstract]  
Schedule of Composition of Loan Portfolio The following table shows the composition of the Company's loan portfolio by class of financing receivable as of March 31, 2026 and 2025 and at December 31, 2025:
March 31, 2026December 31, 2025March 31, 2025
Commercial
   Real estate owner occupied$382,594,000 15.9 %$378,263,000 15.8 %$370,465,000 15.5 %
   Real estate non-owner occupied404,359,000 16.8 %409,177,000 17.1 %413,530,000 17.4 %
   Construction30,237,000 1.3 %35,025,000 1.5 %76,402,000 3.2 %
   C&I393,048,000 16.3 %376,907,000 15.7 %379,767,000 16.0 %
   Multifamily150,425,000 6.3 %158,910,000 6.6 %131,036,000 5.5 %
   Agriculture48,063,000 2.0 %48,145,000 2.0 %48,705,000 2.0 %
Municipal52,168,000 2.2 %52,074,000 2.2 %55,104,000 2.3 %
Residential
   Term739,446,000 30.7 %739,188,000 30.9 %719,348,000 30.2 %
   Construction39,119,000 1.6 %35,332,000 1.5 %35,427,000 1.5 %
Home Equity
   Revolving and term147,102,000 6.1 %142,219,000 5.9 %131,522,000 5.5 %
Consumer18,588,000 0.8 %18,869,000 0.8 %21,844,000 0.9 %
Total$2,405,149,000 100.0 %$2,394,109,000 100.0 %$2,383,150,000 100.0 %
Schedule of Past Due Loans Aging For all loan classes, loans over 30 days past due are considered delinquent. Information on the past-due status of loans by class of financing receivable as of March 31, 2026, is presented in the following table:
30-59 Days
Past Due
60-89 Days
Past Due
90+ Days
Past Due
All
Past Due
CurrentTotal90+ Days
& Accruing
Commercial
    Real estate owner occupied$2,254,000 $— $3,361,000 $5,615,000 $376,979,000 $382,594,000 $— 
    Real estate non-owner occupied 2,474,000 — — 2,474,000 401,885,000 404,359,000 — 
    Construction — — 7,000 7,000 30,230,000 30,237,000 7,000 
    C&I152,000 4,457,000 1,442,000 6,051,000 386,997,000 393,048,000 — 
    Multifamily— — 1,760,000 1,760,000 148,665,000 150,425,000 — 
    Agriculture32,000 — 211,000 243,000 47,820,000 48,063,000 — 
 Municipal — — — — 52,168,000 52,168,000 — 
Residential
   Term 3,123,000 1,448,000 3,601,000 8,172,000 731,274,000 739,446,000 543,000 
   Construction 235,000 — — 235,000 38,884,000 39,119,000 — 
Home equity
    Revolving and term 1,715,000 461,000 227,000 2,403,000 144,699,000 147,102,000 31,000 
Consumer 421,000 52,000 15,000 488,000 18,100,000 18,588,000 15,000 
Total$10,406,000 $6,418,000 $10,624,000 $27,448,000 $2,377,701,000 $2,405,149,000 $596,000 
Information on the past-due status of loans by class of financing receivable as of December 31, 2025, is presented in the following table:
30-59 Days
Past Due
60-89 Days
Past Due
90+ Days
Past Due
All
Past Due
CurrentTotal90+ Days
& Accruing
Commercial
    Real estate owner occupied$683,000 $734,000 $3,698,000 $5,115,000 $373,148,000 $378,263,000 $— 
    Real estate non-owner occupied734,000 — 1,285,000 2,019,000 407,158,000 409,177,000 — 
    Construction103,000 — 7,000 110,000 34,915,000 35,025,000 7,000 
    C&I404,000 102,000 1,240,000 1,746,000 375,161,000 376,907,000 21,000 
    Multifamily1,600,000 160,000 — 1,760,000 157,150,000 158,910,000 — 
    Agriculture316,000 — 377,000 693,000 47,452,000 48,145,000 — 
Municipal— — — — 52,074,000 52,074,000 — 
Residential
    Term1,268,000 2,901,000 3,222,000 7,391,000 731,797,000 739,188,000 613,000 
    Construction90,000 — — 90,000 35,242,000 35,332,000 — 
Home equity
    Revolving and term1,449,000 391,000 534,000 2,374,000 139,845,000 142,219,000 — 
Consumer152,000 118,000 39,000 309,000 18,560,000 18,869,000 24,000 
Total$6,799,000 $4,406,000 $10,402,000 $21,607,000 $2,372,502,000 $2,394,109,000 $665,000 
Information on the past-due status of loans by class of financing receivable as of March 31, 2025, is presented in the following table:
30-59 Days
Past Due
60-89 Days
Past Due
90+ Days
Past Due
All
Past Due
CurrentTotal90+ Days
& Accruing
Commercial
    Real estate owner occupied$— $— $195,000 $195,000 $370,270,000 $370,465,000 $— 
    Real estate non-owner occupied— — 61,000 61,000 413,469,000 413,530,000 — 
    Construction44,000 — — 44,000 76,358,000 76,402,000 — 
    C&I99,000 314,000 1,887,000 2,300,000 377,467,000 379,767,000 — 
    Multifamily— — — — 131,036,000 131,036,000 — 
    Agriculture148,000 — 81,000 229,000 48,476,000 48,705,000 — 
Municipal— — — — 55,104,000 55,104,000 — 
Residential
    Term1,136,000 342,000 1,650,000 3,128,000 716,220,000 719,348,000 — 
    Construction157,000 — — 157,000 35,270,000 35,427,000 — 
Home equity
    Revolving and term642,000 127,000 82,000 851,000 130,671,000 131,522,000 — 
Consumer245,000 66,000 696,000 1,007,000 20,837,000 21,844,000 695,000 
Total$2,471,000 $849,000 $4,652,000 $7,972,000 $2,375,178,000 $2,383,150,000 $695,000 
Schedule of Nonaccrual Loans
The following table presents the amortized cost basis of loans on non-accrual status as of March 31, 2026, December 31, 2025 and March 31, 2025:
March 31, 2026December 31, 2025March 31, 2025
Non-accrual with Allowance for Credit LossNon-accrual with no Allowance for Credit LossTotal Non-accrualNon-accrual with Allowance for Credit LossNon-accrual with no Allowance for Credit LossTotal Non-accrualNon-accrual with Allowance for Credit LossNon-accrual with no Allowance for Credit LossTotal Non-accrual
Commercial
   Real estate owner occupied$1,131,000 $3,334,000 $4,465,000 $1,131,000 $2,896,000 $4,027,000 $— $545,000 $545,000 
   Real estate non-owner occupied1,229,000 60,000 1,289,000 1,285,000 61,000 1,346,000 — 61,000 61,000 
   Construction   — 8,000 8,000 — 17,000 17,000 
   C&I572,000 1,563,000 2,135,000 1,297,000 617,000 1,914,000 1,348,000 595,000 1,943,000 
   Multifamily1,760,000  1,760,000 — — — — 17,000 17,000 
   Agriculture 276,000 276,000 — 441,000 441,000 — 111,000 111,000 
Municipal   — — — — — — 
Residential
   Term115,000 5,088,000 5,203,000 115,000 4,078,000 4,193,000 — 2,944,000 2,944,000 
   Construction   — — — — — — 
Home equity
   Revolving and term202,000 858,000 1,060,000 242,000 703,000 945,000 — 415,000 415,000 
Consumer   — 5,000 5,000 — — — 
Total$5,009,000 $11,179,000 $16,188,000 $4,070,000 $8,809,000 $12,879,000 $1,348,000 $4,705,000 $6,053,000 
Schedule of Individually Analyzed Loans by Class of Financing Receivable
The following table presents the amortized cost basis of collateral-dependent loans as of March 31, 2026, December 31, 2025 and March 31, 2025, by collateral type:
March 31, 2026December 31, 2025March 31, 2025
Collateral TypeCollateral TypeCollateral Type
Commercial Real EstateResidential Real EstateOtherCommercial Real EstateResidential Real EstateOtherCommercial Real EstateResidential Real EstateOther
Commercial
   Real estate owner occupied$3,842,000 $245,000 $ $3,626,000 $— $— $260,000 $— $— 
   Real estate non-owner occupied1,292,000   1,348,000 — — 67,000 — — 
   Construction   — — — — — — 
   C&I  1,192,000 — — 1,300,000 — — 1,681,000 
   Multifamily1,763,000   — — — — — — 
   Agriculture   — — — — — — 
Municipal   — — — — — — 
Residential
   Term 3,556,000  — 2,912,000 — — 2,151,000 — 
   Construction   — — — — — — 
Home equity   
   Revolving and term 307,000  — 361,000 — — — — 
Consumer   — — — — — — 
Total$6,897,000 $4,108,000 $1,192,000 $4,974,000 $3,273,000 $1,300,000 $327,000 $2,151,000 $1,681,000 
Schedule of Troubled Debt Restructurings on Financing Receivables
The following table represents loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the three months ended March 31, 2026:
Amortized Cost Basis
Payment DeferralTerm ExtensionCombination Payment Deferral and Term ExtensionCombination Payment Deferral, Term Extension and Rate Mod% of Total Class of Financing Receivable
Commercial
  Real estate owner occupied$— $135,000 $243,000 $— 0.10 %
  Real estate non-owner occupied— — — 1,229,000 0.30 %
  Construction— — — — — %
  C&I75,000 — 135,000 — 0.05 %
  Multifamily— — — — — %
  Agriculture— — 38,000 — 0.08 %
Municipal— — — — — %
Residential
  Term— — 194,000 330,000 0.07 %
  Construction— — — — — %
Home Equity
  Revolving and term— — 306,000 — 0.21 %
Consumer— — — — — %
Total$75,000 $135,000 $916,000 $1,559,000 
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended March 31, 2026:
Payment Deferral
Financial Effect
Commercial
  C&ITemporary payment accommodation, payments deferred to end of loan.

Term Extension
Financial Effect
Commercial
  Real estate owner occupied
Temporary payment accommodation, extended term 9 months.
Combination Payment Deferral and Term Extension
Financial Effect
Commercial
  Real estate owner occupiedTemporary payment accommodation, payments deferred to end of loan.
  C&I
Payments deferred for 3 months; term increased 3 months
  Agriculture
Payments deferred for 3 months; term increased 3 months
Residential
  TermTemporary payment accommodation, payments deferred to end of loan.
Home Equity
  Revolving and termTemporary payment accommodation, payments deferred to end of loan.

Combination Payment Deferral, Term Extension and Rate Modification
Financial Effect
Commercial
  Real estate non-owner occupiedTemporary payment and rate accommodations, payments deferred to end of loan.
Residential
  TermTemporary payment and rate accommodations, payments deferred to end of loan.
The following table represents loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the three months ended March 31, 2025:
Amortized Cost Basis
Payment DeferralTerm ExtensionRate ModificationCombination Payment Deferral and Term Extension% of Total Class of Financing Receivable
Commercial
  Real estate owner occupied$158,000 $— $— $— 0.04 %
  Real estate non-owner occupied— — — — — %
  Construction— — — — — %
  C&I78,000 364,000 — — 0.02 %
  Multifamily910,000 — — — 0.69 %
  Agriculture1,536,000 — — — 3.15 %
Municipal— — — — — %
Residential
  Term— — — — — %
  Construction— — — — — %
Home Equity
  Revolving and term— — — — — %
Consumer— — — — — %
Total$2,682,000 $364,000 $— $— 

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended March 31, 2025:
Payment Deferral
Financial Effect
Commercial
  Real estate owner occupiedTemporary payment accommodation, payments deferred to end of loan.
  C&ITemporary payment accommodation, payments deferred to end of loan.
  MultifamilyTemporary payment accommodation, payments deferred to end of loan.
  AgricultureTemporary payment accommodation, payments deferred to end of loan.
Term Extension
Financial Effect
Commercial
  C&I
Temporary payment accommodation, extended term 6 months.
The Company monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. In its monitoring, the Company considers an event of payment default to be a payment past due thirty days or more, and counts all such events even if subsequently cured.
The following tables depict the amortized cost basis of loans that were modified during the previous 12 months as of March 31, 2026 and 2025, that had an event of payment default at some point during the 12 month period:
Amortized Cost Basis
As of March 31, 2026Payment DeferralTerm ExtensionCombination Payment Deferral and Term ExtensionCombination Payment Deferral, Term Extension and Rate Modification
Commercial
     Real estate owner occupied$— $— $318,000 $— 
     Real Estate non-owner occupied— 252,000 — 1,229,000 
     C&I309,000 — 128,000 — 
     Agriculture719,000 — — — 
Residential
     Term— — 194,000 330,000 
Home Equity
     Revolving and term— — 306,000 — 
Total$1,028,000 $252,000 $946,000 $1,559,000 

Amortized Cost Basis
As of March 31, 2025Payment DeferralTerm ExtensionCombination Payment Deferral and Term Extension
Commercial
     C&I$— $11,000 $170,000 
Residential
     Term— 125,000 — 
Total$— $136,000 $170,000 

The following table depicts the performance of loans that have been modified during the previous 12 months as of March 31, 2026:
Payment Status (Amortized Cost Basis)
Current30-59 Days
Past Due
60-89 Days
Past Due
90+ Days
Past Due
Commercial
     Real estate owner occupied$1,378,000 $— $— $— 
     Real Estate non-owner occupied1,656,000 — — — 
     C&I1,696,000 — — 197,000 
     Multifamily4,043,000 — — — 
     Agriculture724,000 — — 211,000 
Residential
     Term1,004,000 — — — 
Home Equity
     Revolving and term306,000 — — 
Consumer— — — — 
Total$10,807,000 $— $— $408,000 
The following table depicts the performance of loans that had been modified during the the previous 12 months as of March 31, 2025:
Payment Status (Amortized Cost Basis)
Current30-59 Days
Past Due
60-89 Days
Past Due
90+ Days
Past Due
Commercial
     Real estate owner occupied$792,000 $— $— $— 
     Construction— — — — 
     C&I619,000 — — — 
     Multifamily910,000 — — — 
    Agriculture1,536,000 — — — 
Residential
     Term— 125,000 — — 
Home Equity
     Revolving and term— — — — 
Consumer— — — — 
Total$3,857,000 $125,000 $— $—