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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
 12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
Summary of Loan Portfolio, Excluding Residential Loans Held for Sale
The following table presents the loan portfolio by segment and class, excluding residential LHFS, at December 31, 2025 and 2024:
20252024
Commercial real estate:
Owner-occupied$644,713 $633,567 
Non-owner occupied1,260,198 1,160,238 
Multi-family236,703 274,135 
Non-owner occupied residential155,749 179,512 
Acquisition and development:
1-4 family residential construction41,489 47,432 
Commercial and land development198,234 241,424 
Agricultural121,417 125,156 
Commercial and industrial489,371 451,384 
Municipal25,302 30,044 
Residential mortgage:
First lien478,870 460,297 
Home equity – term5,972 5,988 
Home equity – lines of credit321,438 303,561 
Other - term(1)
22,906 — 
Installment and other loans18,331 18,476 
Total loans$4,020,693 $3,931,214 
(1) Other - term includes property assessed clean energy ("PACE") loans with unearned income of $505 thousand at December 31, 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 December 31, 2025 and 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.
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Commercial Real Estate:
Owner-occupied:
Risk rating
Pass$96,640 $46,784 $88,930 $103,934 $90,037 $152,232 $13,102 $3,642 $595,301 
Special mention— 10,810 1,713 — 6,721 8,927 93 — 28,264 
Substandard - Non-IEL— 723 1,499 4,411 3,837 3,822 1,658 70 16,020 
Substandard - IEL— — 643 821 974 2,690 — — 5,128 
Total owner-occupied loans$96,640 $58,317 $92,785 $109,166 $101,569 $167,671 $14,853 $3,712 $644,713 
Current period gross charge offs - owner-occupied$— $— $— $337 $— $3 $— $— $340 
Non-owner occupied:
Risk rating
Pass$174,958 $92,343 $126,924 $188,935 $305,539 $338,309 $9,044 $— $1,236,052 
Special mention— — 10,053 3,002 — 9,763 — — 22,818 
Substandard - Non-IEL— — — 883 — — — — 883 
Substandard - IEL— — 139 143 163 — — — 445 
Total non-owner occupied loans$174,958 $92,343 $137,116 $192,963 $305,702 $348,072 $9,044 $— $1,260,198 
Current period gross charge offs - non-owner occupied$— $— $— $— $— $— $— $— $— 
Multi-family:
Risk rating
Pass$15,347 $9,283 $6,800 $77,290 $45,263 $71,549 $860 $672 $227,064 
Special mention— — — 8,751 755 — — — 9,506 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — 133 — — — — 133 
Total multi-family loans$15,347 $9,283 $6,800 $86,174 $46,018 $71,549 $860 $672 $236,703 
Current period gross charge offs - multi-family$— $— $— $— $— $— $— $— $— 
(continued)
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Non-owner occupied residential:
Risk rating
Pass$9,829 $9,460 $17,833 $26,227 $24,378 $59,928 $479 $146 $148,280 
Special mention— 487 — 39 763 1,243 — 38 2,570 
Substandard - Non-IEL— — 128 561 2,445 1,210 — 100 4,444 
Substandard - IEL— — — 236 121 98 — — 455 
Total non-owner occupied residential loans$9,829 $9,947 $17,961 $27,063 $27,707 $62,479 $479 $284 $155,749 
Current period gross charge offs - non-owner occupied residential$— $— $— $— $— $— $— $— $— 
Acquisition and development:
1-4 family residential construction:
Risk rating
Pass$32,602 $5,145 $2,408 $411 $923 $— $— $— $41,489 
Special mention— — — — — — — — — 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — — — — — — — — 
Total 1-4 family residential construction loans$32,602 $5,145 $2,408 $411 $923 $— $— $— $41,489 
Current period gross charge offs - 1-4 family residential construction$— $— $— $— $— $— $— $— $— 
Commercial and land development:
Risk rating
Pass$29,243 $53,272 $27,951 $57,777 $5,319 $3,213 $9,049 $— $185,824 
Special mention— — 4,166 — — — — — 4,166 
Substandard - Non-IEL— — — — — — — — — 
Substandard - IEL— — 275 7,639 330 — — — 8,244 
Total commercial and land development loans$29,243 $53,272 $32,392 $65,416 $5,649 $3,213 $9,049 $— $198,234 
Current period gross charge offs - commercial and land development$— $— $— $— $— $— $— $— $— 
Agricultural
Risk rating
Pass$12,698 $8,621 $12,006 $19,421 $17,013 $25,466 $15,533 $723 $111,481 
Special mention— 1,491 1,670 1,240 1,120 3,878 98 — 9,497 
Substandard - Non-IEL— 74 — 9 199 — 148 — 430 
Substandard - IEL— — — 9 — — — — 9 
Total agricultural loans$12,698 $10,186 $13,676 $20,679 $18,332 $29,344 $15,779 $723 $121,417 
Current period gross charge offs - agricultural$— $— $— $— $25 $6 $— $— $31 
Commercial and Industrial:
Risk rating
Pass$76,830 $80,815 $36,440 $45,357 $40,702 $20,836 $137,914 $8,209 $447,103 
Special mention87 6,999 8,285 263 792 344 12,466 834 30,070 
Substandard - Non-IEL— 12 1,152 99 906 18 5,975 176 8,338 
Substandard - IEL— 321 227 233 179 912 — 1,988 3,860 
Total commercial and industrial loans$76,917 $88,147 $46,104 $45,952 $42,579 $22,110 $156,355 $11,207 $489,371 
Current period gross charge offs - commercial and industrial$— $— $406 $175 $56 $100 $499 $— $1,236 
(continued)
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202520252024202320222021PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Municipal:
Risk rating
Pass$— $55 $— $9,012 $2,841 $11,991 $— $— $23,899 
Special mention— — — — — 1,403 — — 1,403 
Total municipal loans$— $55 $— $9,012 $2,841 $13,394 $— $— $25,302 
Current period gross charge offs - municipal$— $— $— $— $— $— $— $— $— 
Residential mortgage:
First lien:
Payment performance
Performing$74,268 $54,459 $89,440 $92,611 $46,907 $114,926 $— $— $472,611 
Nonperforming— 626 1,060 176 134 4,263 — — 6,259 
Total first lien loans$74,268 $55,085 $90,500 $92,787 $47,041 $119,189 $— $— $478,870 
Current period gross charge offs - first lien$— $51 $— $— $27 $10 $— $— $88 
Home equity - term:
Payment performance
Performing$1,015 $319 $576 $894 $172 $2,814 $— $— $5,790 
Nonperforming87 — — — — 95 — — 182 
Total home equity - term loans$1,102 $319 $576 $894 $172 $2,909 $— $— $5,972 
Current period gross charge offs - home equity - term$— $— $— $36 $— $— $— $— $36 
Home equity - lines of credit:
Payment performance
Performing$— $— $— $— $— $— $223,787 $94,178 $317,965 
Nonperforming— — — — — — 25 3,448 3,473 
Total residential real estate - home equity - lines of credit loans$— $— $— $— $— $— $223,812 $97,626 $321,438 
Current period gross charge offs - home equity - lines of credit$— $— $— $— $— $23 $— $— $23 
Other - term:
Payment performance
Performing$— $22,906 $— $— $— $— $— $— $22,906 
Nonperforming— — — — — — — — — 
Total other - term loans$— $22,906 $— $— $— $— $— $— $22,906 
Current period gross charge offs - other - term$— $— $— $— $— $— $— $— $— 
Installment and other loans:
Payment performance
Performing$1,186 $1,052 $1,425 $1,153 $345 $213 $12,930 $25 $18,329 
Nonperforming— — 2 — — — — — 2 
Total Installment and other loans$1,186 $1,052 $1,427 $1,153 $345 $213 $12,930 $25 $18,331 
Current period gross charge offs - installment and other$453 $234 $6 $8 $4 $15 $74 $— $794 
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 
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 $— $47,432 
Current period gross charge offs - 1-4 family residential construction$— $— $— $— $— $— $— $— $— 
(continued)
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202420242023202220212020PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
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 $— $— $30,044 
Current period gross charge offs - municipal$— $— $— $— $— $— $— $— $— 
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 $— $— $5,988 
Current period gross charge offs - home equity - term$— $— $— $— $— $— $— $— $— 
(continued)
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 202420242023202220212020PriorRevolving Loans Amortized BasisRevolving Loans Converted to TermTotal
Home equity - lines of credit:
Payment performance
Performing$— $— $— $— $— $— $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 
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 Allowance for Credit Loss
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 December 31, 2025 and 2024. The Company did not recognize interest income on nonaccrual loans for the years ended December 31, 2025 and 2024. During the year ended December 31, 2024, the Company recorded interest income previously applied to principal of $1.6 million from the payoff of a commercial real estate loan that was on nonaccrual status, which had an outstanding principal balance of $13.4 million.
December 31, 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 $4,901 $5,128 $68 $232 $4,046 $4,278 $— 
Non-owner occupied— 445 445 — — 1,466 1,466 — 
Multi-family133 — 133 — — 721 721 237 
Non-owner occupied residential— 455 455 — — 175 175 — 
Acquisition and development:
Commercial and land development3,005 5,239 8,244 — 3,282 376 3,658 — 
Agricultural— 9 9 — — 797 797 — 
Commercial and industrial1,197 2,663 3,860 — 2,822 2,678 5,500 113 
Residential mortgage:
First lien— 6,100 6,100 431 — 5,077 5,077 243 
Home equity – term— 182 182 — 36 34 70 18 
Home equity – lines of credit— 3,473 3,473 190 — 2,344 2,344 30 
Other - term— — — 346 — — — — 
Installment and other loans2 — 2 5 15 10 25 — 
Total$4,564 $23,467 $28,031 $1,040 $6,387 $17,724 $24,111 $641 
Summary of Amortized Cost Basis of Collateral-Dependent Loans The following table presents the amortized cost basis of collateral-dependent loans by class as of December 31, 2025:
Type of Collateral
December 31, 2025Business AssetsCommercial Real EstateEquipmentLandResidential Real EstateOtherTotal
Commercial real estate:
Owner occupied$— $5,128 $— $— $— $— $5,128 
Non-owner occupied— 445 — — — — 445 
Multi-family— 133 — — — — 133 
Non-owner occupied residential— 455 — — — — 455 
Acquisition and development:
Commercial and land development— 7,897 — 347 — — 8,244 
Agricultural— — 9 — — — 9 
Commercial and industrial2,921 — 945 — — — 3,866 
Residential mortgage:
First lien— — — — 5,914 — 5,914 
Home equity - term— — — — 182 — 182 
Home equity - lines of credit— — — — 3,473 — 3,473 
Installment and other loans— — 2 — — — 2 
Total$2,921 $14,058 $956 $347 $9,569 $— $27,851 
December 31, 2024
Commercial real estate:
Owner occupied$— $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 $23,950 
Summary of Loans Modified by Class and Type of Modification and Effectiveness of Modifications
The following table presents the fair value of loans that were both experiencing financial difficulty and modified during the years ended December 31, 2025 and 2024, by loan class and by type of modification. The percentage of loans that were modified to borrowers experiencing difficulty as compared to the loan class is also presented below.
December 31, 2025Principal ForgivenessPayment DelayTerm ExtensionInterest Rate ReductionCombination Term Extension and Principal ForgivenessCombination Term Extension and Interest Rate ReductionsTotal Class of Financing Receivable
Commercial real estate:
Owner-occupied$— $— $723 $— $— $128 0.13 %
Acquisition and development:
Commercial and land development— — 4,633 — — — 2.34 %
$— $— $5,356 $— $— $128 
December 31, 2024
Commercial real estate:
Owner-occupied$— $— $506 $— $— $— 0.08 %
Multi-family— — 721 — — — 0.26 %
Acquisition and development:
1-4 family residential construction— — 143 — — — 0.30 %
Commercial and land development— — 4,557 — — — 1.89 %
Commercial and industrial— — 66 3,263 — — 0.74 %
$— $— $5,993 $3,263 $— $— 
The Company monitors the performance of the modified loans to borrowers experiencing financial difficulty to determine the effectiveness of its modification efforts. The following table presents the performance of the modified loans in the previous twelve months. For the year ended December 31, 2025, modified loans to borrowers experiencing financial difficulty that had a payment default in the twelve months following the modification totaled $4.7 million, which included commercial and land development loans with modified term extensions with an amortized cost of $4.6 million and an owner-occupied commercial real estate loan with a combination of a modified term extension and interest rate reduction with an amortized cost of $74 thousand. For the year ended December 31, 2024, modified loans to borrowers experiencing financial difficulty that had a payment default in the twelve months following the modification included commercial and industrial loans with modified term extensions with an amortized cost of $150 thousand.
December 31, 2025Current30-59 Days Past Due60-89 Days Past Due90 Days or More Past DueTotalNon-Accrual
Commercial real estate:
Owner-occupied$777 $— $— $— $777 $74 
Acquisition and development:
Commercial and land development— — — — — 4,633 
Total:$777 $— $— $— $777 $4,707 
December 31, 2024
Commercial real estate:
Owner-occupied$— $— $— $— $— $506 
Multi-family— — — — — 721 
Acquisition and development:
1-4 family residential construction143 — — — 143 — 
Commercial and land development$4,557 $— $— $— $4,557 $— 
Commercial and industrial66 — — — 66 3,263 
Total:$4,766 $— $— $— $4,766 $4,490 

The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the years ended December 31, 2025 and 2024:
December 31, 2025Principal ForgivenessWeighted Average interest Rate ReductionWeighted Average Term Extension (in years)
Commercial real estate:
Owner-occupied$— 2.6 %1.6
Acquisition and development:
Commercial and land development— — %1.3
December 31, 2024
Commercial real estate:
Owner-occupied$— 4.0 %2.0
Multi-family— — %1.0
Acquisition and development:
1-4 family residential construction— — %1.0
Commercial and land development— — %1.0
Commercial and industrial— 0.7 %4.0
Summary of Classes of Loan Portfolio Summarized by Aging Categories The following table presents the classes of the loan portfolio summarized by aging categories at December 31, 2025 and 2024:
30-59 Days Past Due60-89 Days Past Due90+ Days Past DueTotal
Past Due		Loans Not Past DueTotal
Loans
December 31, 2025
Commercial real estate:
Owner occupied$1,066 $148 $1,770 $2,984 $641,729 $644,713 
Non-owner occupied462 792 — 1,254 1,258,944 1,260,198 
Multi-family100 — 133 233 236,470 236,703 
Non-owner occupied residential98 24 115 237 155,512 155,749 
Acquisition and development:
1-4 family residential construction— — — — 41,489 41,489 
Commercial and land development— 151 7,969 8,120 190,114 198,234 
Agricultural807 — — 807 120,610 121,417 
Commercial and industrial1,614 155 1,139 2,908 486,463 489,371 
Municipal— — — — 25,302 25,302 
Residential mortgage:
First lien9,264 3,158 4,085 16,507 462,363 478,870 
Home equity - term53 55 128 236 5,736 5,972 
Home equity - lines of credit2,101 491 2,715 5,307 316,131 321,438 
Other - term— — 346 346 22,560 22,906 
Installment and other loans28 13 5 46 18,285 18,331 
$15,593 $4,987 $18,405 $38,985 $3,981,708 $4,020,693 
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, including the impact of adopting CECL, for the years ended December 31, 2025, 2024 and 2023.
 CommercialConsumer  
Commercial
Real Estate
Acquisition
and
Development
Agricultural
Commercial
and
Industrial
MunicipalTotal
Residential
Mortgage
Installment
and Other
TotalUnallocatedTotal
December 31, 2025
Balance, beginning of year$29,551 $6,601 $110 $6,190 $320 $42,772 $5,240 $677 $5,917 $— $48,689 
Provision for credit losses(3,678)(424)48 1,087 8 (2,959)2,439 646 3,085 — 126 
Charge-offs(340)— (31)(1,236)— (1,607)(147)(794)(941)— (2,548)
Recoveries19 2 — 1,073 — 1,094 176 144 320 — 1,414 
Balance, end of year$25,552 $6,179 $127 $7,114 $328 $39,300 $7,708 $673 $8,381 $— $47,681 
December 31, 2024
Balance, beginning of year$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 credit losses10,963 1,809 (292)1,467 163 14,110 2,696 602 3,298 — 17,408 
Charge-offs(656)(23)(38)(2,977)— (3,694)(65)(307)(372)— (4,066)
Recoveries50 39 1 384 — 474 80 171 251 — 725 
Balance, end of year
$29,551 $6,601 $110 $6,190 $320 $42,772 $5,240 $677 $5,917 $— $48,689 
December 31, 2023
Balance, beginning of year$13,558 $3,214 $218 $4,287 $24 $21,301 $3,444 $188 $3,632 $245 $25,178 
Impact of adopting ASC 3262,857 (214)200 728 169 3,740 (1,121)49 (1,072)(245)2,423 
Provision for loan losses1,360 (764)19 1,004 (36)1,583 6 93 99 — 1,682 
Charge-offs(12)— — (748)— (760)(98)(247)(345)— (1,105)
Recoveries110 5 — 98 — 213 193 118 311 — 524 
Balance, end of year$17,873 $2,241 $437 $5,369 $157 $26,077 $2,424 $201 $2,625 $— $28,702