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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
 9 Months Ended
Sep. 30, 2025
Receivables [Abstract]  
Summary of Loan Portfolio, Excluding Residential Loans Held for Sale, Broken Out by Classes
The following table presents the loan portfolio by segment and class, excluding residential LHFS, at September 30, 2025 and December 31, 2024:
September 30, 2025December 31, 2024
Commercial real estate:
Owner occupied$629,481 $633,567 
Non-owner occupied1,254,959 1,160,238 
Multi-family234,782 274,135 
Non-owner occupied residential163,138 179,512 
Acquisition and development:
1-4 family residential construction41,141 47,432 
Commercial and land development195,158 241,424 
Agricultural118,596 125,156 
Commercial and industrial479,929 451,384 
Municipal28,664 30,044 
Residential mortgage:
First lien476,006 460,297 
Home equity - term5,800 5,988 
Home equity - lines of credit311,458 303,561 
Other - term(1)
23,737 — 
Installment and other loans16,887 18,476 
Total loans $3,979,736 $3,931,214 
(1) Other - term includes property assessed clean energy ("PACE") loans with unearned income of $571 thousand at September 30, 2025.
Summary of Amortized Cost of the Loan Portfolio, by Year of Origination, Loan Class, and Credit Quality
The following table presents the amortized cost basis of the loan portfolio, by year of origination, loan class, and credit quality, as of September 30, 2025 and December 31, 2024. For residential and consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan and payment activity. Residential mortgage, installment and other consumer loans are presented below based on payment performance: performing or nonperforming. Nonperforming includes substandard - individually evaluated loans.
Term Loans Amortized Cost Basis by Origination Year
As of September 30, 2025
20252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Commercial Real Estate:
Owner-occupied:
Risk rating
Pass$45,663 $52,327 $91,757 $103,454 $93,829 $160,662 $12,845 $677 $561,214 
Special mention— 1,944 128 15,439 14,786 8,988 — — 41,285 
Substandard - Non-IEL— 727 1,505 9,329 3,974 3,888 1,572 70 21,065 
Substandard - IEL— — 643 892 977 3,405 — — 5,917 
Total owner-occupied loans$45,663 $54,998 $94,033 $129,114 $113,566 $176,943 $14,417 $747 $629,481 
Current period gross charge offs - owner-occupied$— $— $— $337 $— $3 $— $— $340 
Non-owner occupied:
Risk rating
Pass$136,475 $100,767 $138,740 $192,014 $315,137 $344,339 $1,936 $372 $1,229,780 
Special mention— — 10,062 2,998 1,118 9,825 — — 24,003 
Substandard - Non-IEL— — 143 886 — — — — 1,029 
Substandard - IEL— — — 147 — — — — 147 
Total non-owner occupied loans$136,475 $100,767 $148,945 $196,045 $316,255 $354,164 $1,936 $372 $1,254,959 
Current period gross charge offs - non-owner occupied$— $— $— $— $— $— $— $— $— 
Multi-family:
Risk rating
Pass$6,417 $9,350 $6,882 $77,957 $45,730 $76,147 $936 $671 $224,090 
Special mention— — — 9,794 762 — — — 10,556 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — 136 — — — — 136 
Total multi-family loans$6,417 $9,350 $6,882 $87,887 $46,492 $76,147 $936 $671 $234,782 
Current period gross charge offs - multi-family$— $— $— $— $— $— $— $— $— 
Non-owner occupied residential:
Risk rating
Pass$8,107 $9,761 $18,880 $26,999 $25,983 $65,386 $97 $301 $155,514 
Special mention— 493 — 40 771 1,313 — 40 2,657 
Substandard - Non-IEL— — 129 564 2,453 1,245 — 103 4,494 
Substandard - IEL— — — 241 126 106 — — 473 
Total non-owner occupied residential loans$8,107 $10,254 $19,009 $27,844 $29,333 $68,050 $97 $444 $163,138 
Current period gross charge offs - non-owner occupied residential$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of September 30, 2025
20252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Acquisition and development:
1-4 family residential construction:
Risk rating
Pass$28,682 $8,567 $2,320 $410 $934 $— $— $— $40,913 
Special mention— 228 — — — — — — 228 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — — — — — — 
Total 1-4 family residential construction loans$28,682 $8,795 $2,320 $410 $934 $— $— $— $41,141 
Current period gross charge offs - 1-4 family residential construction$— $— $— $— $— $— $— $— $— 
Commercial and land development:
Risk rating
Pass$20,167 $52,381 $36,849 $55,447 $7,259 $3,946 $7,361 $3,208 $186,618 
Special mention— — — — — — — — — 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — 280 7,922 338 — — — 8,540 
Total commercial and land development loans$20,167 $52,381 $37,129 $63,369 $7,597 $3,946 $7,361 $3,208 $195,158 
Current period gross charge offs - commercial and land development$— $— $— $— $— $— $— $— $— 
Agricultural
Risk rating
Pass$10,615 $8,708 $12,158 $19,599 $17,746 $28,120 $10,538 $1,102 $108,586 
Special mention$— $1,493 $1,674 $1,229 $1,111 $3,948 $98 $— $9,553 
Substandard - Non-IEL$— $78 $— $19 $201 $— $149 $— $447 
Substandard - IEL$— $— $— $10 $— $— $— $— $10 
Total agricultural loans$10,615 $10,279 $13,832 $20,857 $19,058 $32,068 $10,785 $1,102 $118,596 
Current period gross charge offs - agricultural$— $— $— $— $25 $6 $— $— $31 
Commercial and Industrial:
Risk rating
Pass$53,309 $84,216 $39,532 $48,346 $42,927 $25,813 $147,745 $4,955 $446,843 
Special mention91 5,656 8,660 330 827 375 4,210 129 20,278 
Substandard - Non-IEL— 14 1,121 113 956 19 4,665 3,767 10,655 
Substandard - IEL— 341 251 253 200 937 50 121 2,153 
Total commercial and industrial loans$53,400 $90,227 $49,564 $49,042 $44,910 $27,144 $156,670 $8,972 $479,929 
Current period gross charge offs - commercial and industrial$— $— $381 $175 $56 $100 $29 $— $741 
Municipal:
Risk rating
Pass$2,692 $59 $— $9,417 $2,841 $12,227 $— $— $27,236 
Special mention— — — — — 1,428 — — 1,428 
Total municipal loans$2,692 $59 $— $9,417 $2,841 $13,655 $— $— $28,664 
Current period gross charge offs - municipal$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of September 30, 2025
20252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Residential mortgage:
First lien:
Payment performance
Performing$53,324 $57,675 $92,952 $97,149 $48,937 $119,677 $— $— $469,714 
Nonperforming— 626 929 178 218 4,341 — — 6,292 
Total first lien loans$53,324 $58,301 $93,881 $97,327 $49,155 $124,018 $— $— $476,006 
Current period gross charge offs - first lien$— $51 $— $— $24 $— $— $— $75 
Home equity - term:
Payment performance
Performing$416 $340 $614 $974 $186 $3,142 $— $— $5,672 
Nonperforming87 — — — — 41 — — 128 
Total home equity - term loans$503 $340 $614 $974 $186 $3,183 $— $— $5,800 
Current period gross charge offs - home equity - term$— $— $— $36 $— $— $— $— $36 
Home equity - lines of credit:
Payment performance
Performing$— $— $— $— $— $— $211,857 $97,050 $308,907 
Nonperforming— — — — — — 29 2,522 2,551 
Total residential real estate - home equity - lines of credit loans$— $— $— $— $— $— $211,886 $99,572 $311,458 
Current period gross charge offs - home equity - lines of credit$— $— $— $— $— $23 $— $— $23 
Other - term:
Payment performance
Performing$— $23,737 $— $— $— $— $— $— $23,737 
Nonperforming— — — — — — — — — 
Total other - term loans$— $23,737 $— $— $— $— $— $— $23,737 
Current period gross charge offs - other - term$— $— $— $— $— $— $— $— $— 
Installment and other loans:
Payment performance
Performing$1,010 $1,174 $1,731 $1,364 $443 $256 $10,849 $55 $16,882 
Nonperforming— — 2 — — 3 — — 5 
Total Installment and other loans$1,010 $1,174 $1,733 $1,364 $443 $259 $10,849 $55 $16,887 
Current period gross charge offs - installment and other$354 $234 $3 $5 $2 $15 $56 $— $669 
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202420242023202220212020PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Commercial Real Estate:
Owner-occupied:
Risk rating
Pass$55,068 $86,255 $106,696 $112,278 $31,495 $155,543 $14,653 $280 $562,268 
Special mention— 1,674 18,563 1,895 7,946 5,422 165 — 35,665 
Substandard - Non-IEL— 694 14,572 4,204 2,477 4,899 4,510 — 31,356 
Substandard - IEL— 9 — 1,110 245 2,914 — — 4,278 
Total owner-occupied loans$55,068 $88,632 $139,831 $119,487 $42,163 $168,778 $19,328 $280 $633,567 
Current period gross charge offs - owner-occupied$— $217 $13 $313 $— $12 $— $— $555 
Non-owner occupied:
Risk rating
Pass$82,441 $146,020 $193,131 $326,586 $123,646 $256,212 $2,335 $— $1,130,371 
Special mention— 10,081 2,985 334 7,920 1,919 — — 23,239 
Substandard - Non-IEL482 — 1,049 — 1,043 2,588 — — 5,162 
Substandard - IEL— — — — — 1,466 — — 1,466 
Total non-owner occupied loans$82,923 $156,101 $197,165 $326,920 $132,609 $262,185 $2,335 $— $1,160,238 
Current period gross charge offs - non-owner occupied$— $— $— $— $— $65 $— $— $65 
Multi-family:
Risk rating
Pass$7,269 $12,679 $105,883 $54,028 $30,968 $54,676 $1,351 $— $266,854 
Special mention— — 1,094 — — — — — 1,094 
Substandard - Non-IEL— — 571 4,658 — 237 — — 5,466 
Substandard - IEL— — — — — 721 — — 721 
Total multi-family loans$7,269 $12,679 $107,548 $58,686 $30,968 $55,634 $1,351 $— $274,135 
Current period gross charge offs - multi-family$— $— $— $— $— $7 $— $— $7 
Non-owner occupied residential:
Risk rating
Pass$9,322 $22,771 $29,681 $29,729 $19,410 $64,851 $1,257 $— $177,021 
Special mention— — — 147 42 478 39 — 706 
Substandard - Non-IEL— — 166 133 — 1,311 — — 1,610 
Substandard - IEL— — 43 — — 132 — — 175 
Total non-owner occupied residential loans$9,322 $22,771 $29,890 $30,009 $19,452 $66,772 $1,296 $— $179,512 
Current period gross charge offs - non-owner occupied residential$— $— $— $29 $— $— $— $— $29 
continued
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202420242023202220212020PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Acquisition and development:
1-4 family residential construction:
Risk rating
Pass$30,908 $7,079 $2,295 $598 $935 $762 $3,921 $— $46,498 
Special mention74 717 — — — 143 — — 934 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — — — — — — 
Total 1-4 family residential construction loans$30,982 $7,796 $2,295 $598 $935 $905 $3,921 $— $47,432 
Current period gross charge offs - 1-4 family residential construction$— $— $— $— $— $— $— $— $— 
Commercial and land development:
Risk rating
Pass$60,420 $57,563 $74,893 $14,107 $372 $6,928 $7,280 $— $221,563 
Special mention734 — 4,557 998 1,841 3,451 — — 11,581 
Substandard - Non-IEL2,966 1,656 — — — — — — 4,622 
Substandard - IEL— 18 3,282 358 — — — — 3,658 
Total commercial and land development loans$64,120 $59,237 $82,732 $15,463 $2,213 $10,379 $7,280 $— $241,424 
Current period gross charge offs - commercial and land development$— $23 $— $— $— $— $— $— $23 
Agricultural
Risk rating
Pass$14,663 $14,507 $21,782 $19,486 $10,463 $28,095 $13,891 $164 $123,051 
Special mention— — — 25 — 902 161 — 1,088 
Substandard - Non-IEL— — 13 — — 207 — — 220 
Substandard - IEL— — 797 — — — — — 797 
Total agricultural loans$14,663 $14,507 $22,592 $19,511 $10,463 $29,204 $14,052 $164 $125,156 
Current period gross charge offs - agricultural$— $1 $— $18 $— $18 $1 $— $38 
Commercial and Industrial:
Risk rating
Pass$82,924 $55,109 $53,482 $49,937 $15,405 $17,215 $137,379 $2,768 $414,219 
Special mention485 2,000 2,477 293 2 23 10,516 — 15,796 
Substandard - Non-IEL— 1,037 2,547 3,409 — 490 8,386 — 15,869 
Substandard - IEL409 2,772 140 191 884 921 183 — 5,500 
Total commercial and industrial loans$83,818 $60,918 $58,646 $53,830 $16,291 $18,649 $156,464 $2,768 $451,384 
Current period gross charge offs - commercial and industrial$— $335 $212 $60 $1,739 $60 $571 $— $2,977 
Municipal:
Risk rating
Pass$1,565 $— $10,006 $3,124 $269 $15,080 $— $— $30,044 
Total municipal loans$1,565 $— $10,006 $3,124 $269 $15,080 $— $— $30,044 
Current period gross charge offs - municipal$— $— $— $— $— $— $— $— $— 
continued
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202420242023202220212020PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Residential mortgage:
First lien:
Payment performance
Performing$62,970 $101,901 $103,347 $52,420 $25,303 $109,113 $— $— $455,054 
Nonperforming672 308 241 483 218 3,321 — — 5,243 
Total first lien loans$63,642 $102,209 $103,588 $52,903 $25,521 $112,434 $— $— $460,297 
Current period gross charge offs - first lien$— $— $— $— $— $2 $— $— $2 
Home equity - term:
Payment performance
Performing$395 $752 $1,040 $201 $462 $3,068 $— $— $5,918 
Nonperforming— — 36 — — 34 — — 70 
Total home equity - term loans$395 $752 $1,076 $201 $462 $3,102 $— $— $5,988 
Current period gross charge offs - home equity - term$— $— $— $— $— $— $— $— $— 
Home equity - lines of credit:
Payment performance
Performing$— $— $— $— $— $— $200,886 $100,331 $301,217 
Nonperforming— — — — — — 2,048 296 2,344 
Total residential real estate - home equity - lines of credit loans$— $— $— $— $— $— $202,934 $100,627 $303,561 
Current period gross charge offs - home equity - lines of credit$— $— $— $— $— $— $63 $— $63 
Other - term:
Payment performance
Performing$— $— $— $— $— $— $— $— $— 
Nonperforming— — — — — — — — — 
Total other - term loans$— $— $— $— $— $— $— $— $— 
Current period gross charge offs - other - term$— $— $— $— $— $— $— $— $— 
Installment and other loans:
Payment performance
Performing$2,197 $2,764 $2,209 $830 $119 $496 $9,817 $19 $18,451 
Nonperforming9 3 — — — 13 — — 25 
Total Installment and other loans$2,206 $2,767 $2,209 $830 $119 $509 $9,817 $19 $18,476 
Current period gross charge offs - installment and other$209 $12 $— $32 $— $33 $21 $— $307 
Summary of Amortized Cost of Nonaccrual Loans by Class, With and Without Loan Reserves
The following table presents the amortized cost basis of nonaccrual loans, according to loan class, with and without reserves on individually evaluated loans as of September 30, 2025 and December 31, 2024. The Company did not recognize interest income on nonaccrual loans during the three and nine months ended September 30, 2025 and 2024.
September 30, 2025December 31, 2024
Nonaccrual loans with a related ACLNonaccrual loans with no related ACLTotal nonaccrual loansLoans Past Due 90+ AccruingNonaccrual loans with a related ACLNonaccrual loans with no related ACLTotal nonaccrual loansLoans Past Due 90+ Accruing
Commercial real estate:
Owner-occupied$227 $5,690 $5,917 $— $232 $4,046 $4,278 $— 
Non-owner occupied— 147 147 — — 1,466 1,466 — 
Multi-family— 136 136 — — 721 721 237 
Non-owner occupied residential— 473 473 — — 175 175 — 
Acquisition and development:
Commercial and land development3,005 5,535 8,540 — 3,282 376 3,658 — 
Agricultural— 10 10 — — 797 797 — 
Commercial and industrial1,313 840 2,153 — 2,822 2,678 5,500 113 
Residential mortgage:
First lien— 6,131 6,131 150 — 5,077 5,077 243 
Home equity – term— 128 128 — 36 34 70 18 
Home equity – lines of credit— 2,551 2,551 — — 2,344 2,344 30 
Other - term— — — 347 — — — — 
Installment and other loans5 — 5 — 15 10 25 — 
Total$4,550 $21,641 $26,191 $497 $6,387 $17,724 $24,111 $641 
Summary of Amortized Cost Basis of Collateral Dependent Loans
The following table presents the amortized cost basis of collateral-dependent individually evaluated loans by class as of September 30, 2025 and December 31, 2024:
Type of Collateral
September 30, 2025Business AssetsCommercial Real EstateEquipmentLandResidential Real EstateOtherTotal
Commercial real estate:
Owner occupied$— $5,917 $— $— $— $— $5,917 
Non-owner occupied— 147 — — — — 147 
Multi-family— 136 — — — — 136 
Non-owner occupied residential— 473 — — — — 473 
Acquisition and development:
Commercial and land development— 8,016 — 524 — — 8,540 
Agricultural— — 10 — — — 10 
Commercial and industrial1,131 — 1,028 — — — 2,159 
Residential mortgage:
First lien— — — — 5,940 — 5,940 
Home equity - term— — — — 128 — 128 
Home equity - lines of credit— — — — 2,551 — 2,551 
Installment and other loans— — 2 — — — 2 
Total$1,131 $14,689 $1,040 $524 $8,619 $— $26,003 
December 31, 2024
Commercial real estate:
Owner occupied$— $4,269 $— $— $— $— $4,269 
Non-owner occupied— 1,463 — — — — 1,463 
Multi-family— 721 — — — — 721 
Non-owner occupied residential— 175 — — — — 175 
Acquisition and development:
Commercial and land development— 3,381 — 277 — — 3,658 
Agricultural— — — 797 — — 797 
Commercial and industrial1,919 — 3,515 — — — 5,434 
Residential mortgage:
First lien— — — — 5,007 — 5,007 
Home equity - term— — — — 70 — 70 
Home equity - lines of credit— — — — 2,344 — 2,344 
Installment and other loans— — 3 — — 9 12 
Total$1,919 $10,009 $3,518 $1,074 $7,421 $9 $23,950 
Summary of Loans Modified by Class and Type of Modification and Effectiveness of Modifications
The following tables presents the amortized cost of loans at September 30, 2025 that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2025, by loan class and by type of modification. The percentage of the amortized cost of loans that were modified to borrowers experiencing difficulty as compared to the amortized cost of loan class is also presented below.
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate ReductionCombination Term Extension and Principal ForgivenessCombination Term Extension and Interest Rate ReductionsTotal Class of Financing Receivable
Three Months Ended
September 30, 2025
Commercial real estate:
Owner-occupied$— $— $46 $— $— $94 0.02 %
Total:$— $— $46 $— $— $94 
September 30, 2024
Commercial real estate:
Owner-occupied$— $— $567 $2,452 $— $— 0.48 %
Commercial and industrial— — — 2,080 — — 0.35 %
Total:$— $— $567 $4,532 $— $— 
Nine Months Ended
September 30, 2025
Commercial real estate:
Owner-occupied$— $— $770 $— $— $94 0.14 %
Acquisition and development:
Commercial and land development— — 4,916 — — — 2.52 %
Total:$— $— $5,686 $— $— $94 
September 30, 2024
Commercial real estate:
Owner-occupied$— $— $567 $2,452 $— $— 0.48 %
Acquisition and development:
Commercial and land development— — 4,404 — — — 1.68 %
Commercial and industrial— — 73 2,080 — — 0.36 %
Total:$— $— $5,044 $4,532 $— $— 
The Company monitors the performance of the modified loans to borrowers experiencing financial difficulty to determine the effectiveness of its modification efforts. The following tables present the performance of the loans modified during the nine months ended September 30, 2025 and 2024, which includes loans that remain on nonaccrual status:
Current30-59 Days Past Due60-89 Days Past Due90 Days or More Past DueTotalNon-Accrual
September 30, 2025
Commercial real estate:
Owner-occupied$770 $— $— $— $770 $94 
Acquisition and development:
Commercial and land development— — — — — 4,916 
Total:770 — — — 770 5,010 
September 30, 2024
Commercial real estate:
Owner-occupied$2,981 $— $38 $— $3,019 $567 
Acquisition and development:
Commercial and land development4,405 — — — 4,405 — 
Commercial and industrial2,152 — — — 2,152 — 
Total:9,538 — 38 — 9,576 567 
The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2025 and 2024:
Principal ForgivenessWeighted Average Interest Rate ReductionWeighted Average Term Extension (in years)
Three Months Ended
September 30, 2025
Commercial real estate:
Owner-occupied$— 2.5 %4.2
September 30, 2024
Commercial real estate:
Owner-occupied$— 4.0 %1.9
Acquisition and development:
Commercial and land development$— — %1.0
Commercial and industrial$— 4.0 %4.0
Nine Months Ended
September 30, 2025
Commercial real estate:
Owner-occupied$— 2.5 %1.5
Acquisition and development:
Commercial and land development$— — %0.6
September 30, 2024
Commercial real estate:
Owner-occupied$— 4.0 %1.9
Acquisition and development:
Commercial and land development$— — %1.0
Commercial and industrial$— 4.0 %4.0
Summary of Loan Portfolio Summarized by Aging Categories of Performing Loans and Nonaccrual Loans The following table presents the classes of the loan portfolio summarized by aging categories at September 30, 2025 and December 31, 2024:
30-59 Days Past Due60-89 Days Past Due90+ Days Past DueTotal
Past Due		Loans Not Past DueTotal
Loans
September 30, 2025
Commercial real estate:
Owner occupied$1,468 $185 $1,844 $3,497 $625,984 $629,481 
Non-owner occupied111 — — 111 1,254,848 1,254,959 
Multi-family— — 136 136 234,646 234,782 
Non-owner occupied residential721 — 115 836 162,302 163,138 
Acquisition and development:
1-4 family residential construction— — — — 41,141 41,141 
Commercial and land development— 338 3,175 3,513 191,645 195,158 
Agricultural24 206 — 230 118,366 118,596 
Commercial and industrial360 70 1,154 1,584 478,345 479,929 
Municipal— — — — 28,664 28,664 
Residential mortgage:
First lien687 1,945 3,728 6,360 469,646 476,006 
Home equity - term— 18 128 146 5,654 5,800 
Home equity - lines of credit1,479 815 1,251 3,545 307,913 311,458 
Other - term— — 347 347 23,390 23,737 
Installment and other loans49 24 2 75 16,812 16,887 
$4,899 $3,601 $11,880 $20,380 $3,959,356 $3,979,736 
December 31, 2024
Commercial real estate:
Owner occupied$1,753 $2,070 $1,433 $5,256 $628,311 $633,567 
Non-owner occupied1,251 148 72 1,471 1,158,767 1,160,238 
Multi-family124 — 237 361 273,774 274,135 
Non-owner occupied residential1,383 115 65 1,563 177,949 179,512 
Acquisition and development:
1-4 family residential construction1,540 532 — 2,072 45,360 47,432 
Commercial and land development818 — 3,301 4,119 237,305 241,424 
Agricultural466 845 — 1,311 123,845 125,156 
Commercial and industrial410 280 4,459 5,149 446,235 451,384 
Municipal237 — — 237 29,807 30,044 
Residential mortgage:
First lien17,534 4,827 2,822 25,183 435,114 460,297 
Home equity - term37 69 18 124 5,864 5,988 
Home equity - lines of credit3,612 318 1,208 5,138 298,423 303,561 
Installment and other loans94 11 12 117 18,359 18,476 
$29,259 $9,215 $13,627 $52,101 $3,879,113 $3,931,214 
Summary of Activity in the ALL and Ending Loan Balances Individually Evaluated for Impairment Based on Loan Segment
The following table presents the activity in the ACL for the three and nine months ended September 30, 2025 and 2024:
CommercialConsumer
Commercial
Real Estate		Acquisition
and
Development		AgriculturalCommercial
and
Industrial		MunicipalTotalResidential
Mortgage		Installment
and Other		TotalTotal
Three Months Ended
September 30, 2025
Balance, beginning of period$26,163 $5,585 $160 $7,484 $385 $39,777 $7,603 $518 $8,121 $47,898 
Provision for credit losses656 (106)(26)(567)(10)(53)234 215 449 396 
Charge-offs(154)— — (29)— (183)(134)(201)(335)(518)
Recoveries7 — — 255 — 262 9 58 67 329 
Balance, end of period$26,672 $5,479 $134 $7,143 $375 $39,803 $7,712 $590 $8,302 $48,105 
September 30, 2024
Balance, beginning of period$18,203 $2,634 $393 $5,259 $161 $26,650 $3,023 $191 $3,214 $29,864 
Allowance established for acquired PCD Loans1,321 2,535 2 1,947 — 5,805 105 10 115 5,920 
Provision for loan losses11,103 1,809 (283)(672)110 12,067 1,773 275 2,048 14,115 
Charge-offs(333)— — (159)— (492)— (88)(88)(580)
Recoveries4 12 1 163 — 180 54 77 131 311 
Balance, end of period$30,298 $6,990 $113 $6,538 $271 $44,210 $4,955 $465 $5,420 $49,630 
Nine Months Ended
September 30, 2025
Balance, beginning of period$29,551 $6,601 $110 $6,190 $320 $42,772 $5,240 $677 $5,917 $48,689 
Provision for credit losses(2,554)(1,124)55 698 55 (2,870)2,455 466 2,921 51 
Charge-offs(340)— (31)(741)— (1,112)(134)(669)(803)(1,915)
Recoveries15 2 — 996 — 1,013 151 116 267 1,280 
Balance, end of period$26,672 $5,479 $134 $7,143 $375 $39,803 $7,712 $590 $8,302 $48,105 
September 30, 2024
Balance, beginning of period$17,873 $2,241 $437 $5,369 $157 $26,077 $2,424 $201 $2,625 $28,702 
Allowance established for acquired PCD Loans1,321 2,535 2 1,947 — 5,805 105 10 115 5,920 
Provision for loan losses11,417 2,223 (327)(822)114 12,605 2,410 333 2,743 15,348 
Charge-offs(345)(23)— (219)— (587)(50)(206)(256)(843)
Recoveries32 14 1 263 — 310 66 127 193 503 
Balance, end of period$30,298 $6,990 $113 $6,538 $271 $44,210 $4,955 $465 $5,420 $49,630