Note 3 - Loans and Allowance for Credit Losses on Loans (Tables)

3 Months Ended

Mar. 31, 2025

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(in thousands)	March 31, 2025		December 31, 2024
Commercial real estate - non-owner occupied	$	1,870,352	$	1,835,935
Commercial real estate - owner occupied		1,004,774		1,002,853
Total commercial real estate		2,875,126		2,838,788
Commercial and industrial - term		899,813		884,399
Commercial and industrial - lines of credit		563,933		554,255
Total commercial and industrial		1,463,746		1,438,654
Residential real estate - owner occupied		813,823		805,080
Residential real estate - non-owner occupied		381,429		382,744
Total residential real estate		1,195,252		1,187,824
Construction and land development		679,345		623,005
Home equity lines of credit		252,125		247,433
Consumer		140,009		144,644
Leases		14,460		15,514
Credits cards		26,297		24,540
Total loans (1)	$	6,646,360	$	6,520,402

Financing Receivable, Allowance for Credit Loss [Table Text Block]

(in thousands) Three Months Ended March 31, 2025	Beginning Balance		Provision for Credit Losses on Loans			Charge-offs			Recoveries		Ending Balance
Commercial real estate - non-owner occupied	$	13,935	$	663		$	-		$	18	$	14,616
Commercial real estate - owner occupied		10,192		1,647			-			-		11,839
Total commercial real estate		24,127		2,310			-			18		26,455
Commercial and industrial - term		21,284		(764	)		(260	)		1,417		21,677
Commercial and industrial - lines of credit		6,496		133			-			-		6,629
Total commercial and industrial		27,780		(631	)		(260	)		1,417		28,306
Residential real estate - owner occupied		14,468		(983	)		(50	)		3		13,438
Residential real estate - non-owner occupied		5,154		(667	)		-			-		4,487
Total residential real estate		19,622		(1,650	)		(50	)		3		17,925
Construction and land development		10,981		406			-			-		11,387
Home equity lines of credit		1,277		13			(10	)		-		1,280
Consumer		2,531		403			(203	)		113		2,844
Leases		370		(29	)		-			-		341
Credit cards		255		78			(91	)		34		276
Total	$	86,943	$	900		$	(614	)	$	1,585	$	88,814

(in thousands) Three Months Ended March 31, 2024	Beginning Balance		Provision for Credit Losses on Loans			Charge-offs			Recoveries		Ending Balance
Commercial real estate - non-owner occupied	$	22,133	$	(326	)	$	-		$	16	$	21,823
Commercial real estate - owner occupied		11,667		(441	)		-			4		11,230
Total commercial real estate		33,800		(767	)		-			20		33,053
Commercial and industrial - term		14,359		(673	)		(23	)		253		13,916
Commercial and industrial - lines of credit		6,495		(441	)		-			204		6,258
Total commercial and industrial		20,854		(1,114	)		(23	)		457		20,174
Residential real estate - owner occupied		9,316		2,509			(14	)		15		11,826
Residential real estate - non-owner occupied		4,282		449			-			-		4,731
Total residential real estate		13,598		2,958			(14	)		15		16,557
Construction and land development		7,593		(134	)		-			-		7,459
Home equity lines of credit		1,660		4			-			2		1,666
Consumer		1,407		192			(210	)		111		1,500
Leases		220		12			-			-		232
Credit cards		242		24			(15	)		5		256
Total	$	79,374	$	1,175		$	(262	)	$	610	$	80,897

(in thousands) March 31, 2025	Real Estate		Accounts Receivable / Equipment		Other		Total		ACL Allocation
Commercial real estate - non-owner occupied	$	11,547	$	-	$	-	$	11,547	$	2,041
Commercial real estate - owner occupied		4,390		-		-		4,390		757
Total commercial real estate		15,937		-		-		15,937		2,798
Commercial and industrial - term		813		522		78		1,413		753
Commercial and industrial - lines of credit		335		200		-		535		136
Total commercial and industrial		1,148		722		78		1,948		889
Residential real estate - owner occupied		4,843		-		-		4,843		1,108
Residential real estate - non-owner occupied		2,111		-		-		2,111		755
Total residential real estate		6,954		-		-		6,954		1,863
Construction and land development		80		-		-		80		-
Home equity lines of credit		5		-		-		5		-
Consumer		-		-		398		398		30
Leases		-		-		-		-		-
Credit cards		-		-		-		-		-
Total collateral dependent loans	$	24,124	$	722	$	476	$	25,322	$	5,580

(in thousands) December 31, 2024	Real Estate		Accounts Receivable / Equipment		Other		Total		ACL Allocation
Commercial real estate - non-owner occupied	$	11,699	$	-	$	-	$	11,699	$	1,075
Commercial real estate - owner occupied		3,547		-		-		3,547		764
Total commercial real estate		15,246		-		-		15,246		1,839
Commercial and industrial - term		740		4,062		76		4,878		516
Commercial and industrial - lines of credit		349		200		-		549		139
Total commercial and industrial		1,089		4,262		76		5,427		655
Residential real estate - owner occupied		6,514		-		-		6,514		448
Residential real estate - non-owner occupied		2,974		-		-		2,974		852
Total residential real estate		9,488		-		-		9,488		1,300
Construction and land development		311		-		-		311		20
Home equity lines of credit		70		-		-		70		-
Consumer		-		-		356		356		34
Leases		-		-		-		-		-
Credit cards		-		-		-		-		-
Total collateral dependent loans	$	26,204	$	4,262	$	432	$	30,898	$	3,848

Financing Receivable, Nonaccrual [Table Text Block]

	Non-accrual Loans				Past Due 90-Days-
(in thousands)	With No		Total		or-More and Still
March 31, 2025	Recorded ACL		Non-accrual		Accruing Interest
Commercial real estate - non-owner occupied	$	—	$	4,947	$	—
Commercial real estate - owner occupied		1,145		2,102		—
Total commercial real estate		1,145		7,049		—
Commercial and industrial - term		302		1,263		95
Commercial and industrial - lines of credit		—		—		—
Total commercial and industrial		302		1,263		95
Residential real estate - owner occupied		484		5,462		—
Residential real estate - non-owner occupied		—		1,609		—
Total residential real estate		484		7,071		—
Construction and land development		—		80		—
Home equity lines of credit		—		5		—
Consumer		—		397		—
Leases		—		—		—
Credit cards		—		—		188
Total	$	1,931	$	15,865	$	283

	Non-accrual Loans				Past Due 90-Days-
(in thousands)	With No		Total		or-More and Still
December 31, 2024	Recorded ACL		Non-accrual		Accruing Interest
Commercial real estate - non-owner occupied	$	4,409	$	5,221	$	—
Commercial real estate - owner occupied		434		1,231		73
Total commercial real estate		4,843		6,452		73
Commercial and industrial - term		3,828		4,903		95
Commercial and industrial - lines of credit		—		—		19
Total commercial and industrial		3,828		4,903		114
Residential real estate - owner occupied		371		7,168		—
Residential real estate - non-owner occupied		—		2,451		39
Total residential real estate		371		9,619		39
Construction and land development		—		311		—
Home equity lines of credit		—		70		91
Consumer		—		372		—
Leases		—		—		—
Credit cards		—		—		170
Total	$	9,042	$	21,727	$	487

Financing Receivable, Past Due [Table Text Block]

(in thousands)			30-59 days		60-89 days		90 or more		Total Past		Total
March 31, 2025	Current		Past Due		Past Due		days Past Due		Due Loans		Loans
Commercial real estate - non-owner occupied	$	1,864,059	$	1,048	$	526	$	4,719	$	6,293	$	1,870,352
Commercial real estate - owner occupied		998,139		1,176		4,507		952		6,635		1,004,774
Total commercial real estate		2,862,198		2,224		5,033		5,671		12,928		2,875,126
Commercial and industrial - term		898,044		132		284		1,353		1,769		899,813
Commercial and industrial - lines of credit		563,666		267		—		—		267		563,933
Total commercial and industrial		1,461,710		399		284		1,353		2,036		1,463,746
Residential real estate - owner occupied		798,873		10,416		53		4,481		14,950		813,823
Residential real estate - non-owner occupied		379,591		229		—		1,609		1,838		381,429
Total residential real estate		1,178,464		10,645		53		6,090		16,788		1,195,252
Construction and land development		679,265		—		—		80		80		679,345
Home equity lines of credit		251,504		621		—		—		621		252,125
Consumer		139,308		301		92		308		701		140,009
Leases		14,460		—		—		—		—		14,460
Credit cards		25,943		147		19		188		354		26,297
Total	$	6,612,852	$	14,337	$	5,481	$	13,690	$	33,508	$	6,646,360

(in thousands)			30-59 days		60-89 days		90 or more		Total Past		Total
December 31, 2024	Current		Past Due		Past Due		days Past Due		Due Loans		Loans
Commercial real estate - non-owner occupied	$	1,831,135	$	168	$	4,410	$	222	$	4,800	$	1,835,935
Commercial real estate - owner occupied		1,001,351		648		715		139		1,502		1,002,853
Total commercial real estate		2,832,486		816		5,125		361		6,302		2,838,788
Commercial and industrial - term		879,597		103		2,740		1,959		4,802		884,399
Commercial and industrial - lines of credit		552,655		59		1,522		19		1,600		554,255
Total commercial and industrial		1,432,252		162		4,262		1,978		6,402		1,438,654
Residential real estate - owner occupied		789,286		7,737		3,176		4,881		15,794		805,080
Residential real estate - non-owner occupied		381,177		628		56		883		1,567		382,744
Total residential real estate		1,170,463		8,365		3,232		5,764		17,361		1,187,824
Construction and land development		622,614		391		—		—		391		623,005
Home equity lines of credit		246,700		424		194		115		733		247,433
Consumer		143,796		470		69		309		848		144,644
Leases		15,514		—		—		—		—		15,514
Credit cards		24,122		220		27		171		418		24,540
Total	$	6,487,947	$	10,848	$	12,909	$	8,698	$	32,455	$	6,520,402

Financing Receivable Credit Quality Indicators [Table Text Block]

															Revolving
															loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year														amortized
March 31, 2025	2025		2024			2023			2022		2021		Prior		cost basis		Total
Commercial real estate - non-owner occupied:
Risk rating
Pass	$	109,664	$	367,190		$	296,313		$	401,430	$	288,667	$	331,642	$	27,075	$	1,821,981
OAEM		7,768		5,884			-			162		10,627		14,729		-		39,170
Substandard		-		1,544			-			2,290		-		322		98		4,254
Substandard non-performing		63		265			-			-		-		4,619		-		4,947
Doubtful		-		-			-			-		-		-		-		-
Total Commercial real estate non-owner occupied	$	117,495	$	374,883		$	296,313		$	403,882	$	299,294	$	351,312	$	27,173	$	1,870,352
Current period gross charge offs	$	-	$	-		$	-		$	-	$	-	$	-	$	-	$	-
Commercial real estate - owner occupied:
Risk rating
Pass	$	55,050	$	116,399		$	160,317		$	164,943	$	170,999	$	280,063	$	20,600	$	968,371
OAEM		-		5,891			231			1,563		1,836		3,338		-		12,859
Substandard		1,100		6,085			6,934			3,528		3,575		220		-		21,442
Substandard non-performing		-		674			-			-		716		712		-		2,102
Doubtful		-		-			-			-		-		-		-		-
Total Commercial real estate owner occupied	$	56,150	$	129,049		$	167,482		$	170,034	$	177,126	$	284,333	$	20,600	$	1,004,774
Current period gross charge offs	$	-	$	-		$	-		$	-	$	-	$	-	$	-	$	-
Commercial and industrial - term:
Risk rating
Pass	$	84,007	$	287,017		$	162,304		$	180,171	$	109,713	$	59,211	$	-	$	882,423
OAEM		1,125		8,337			147			1,269		53		20		-		10,951
Substandard		-		-			359			1,243		3,372		202		-		5,176
Substandard non-performing		-		547			159			154		-		403		-		1,263
Doubtful		-		-			-			-		-		-		-		-
Total Commercial and industrial - term	$	85,132	$	295,901		$	162,969		$	182,837	$	113,138	$	59,836	$	-	$	899,813
Current period gross charge offs	$	-	$	(45	)	$	(215	)	$	-	$	-	$	-	$	-	$	(260	)
Commercial and industrial - lines of credit
Risk rating
Pass	$	5,434	$	109,361		$	11,914		$	2,045	$	2,380	$	2,708	$	396,150	$	529,992
OAEM		-		2,416			-			-		-		-		9,970		12,386
Substandard		-		-			-			-		-		-		21,555		21,555
Substandard non-performing		-		-			-			-		-		-		-		-
Doubtful		-		-			-			-		-		-		-		-
Total Commercial and industrial - lines of credit	$	5,434	$	111,777		$	11,914		$	2,045	$	2,380	$	2,708	$	427,675	$	563,933
Current period gross charge offs	$	-	$	-		$	-		$	-	$	-	$	-	$	-	$	-

																		Revolving
																		loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year																	amortized
March 31, 2025	2025			2024			2023			2022			2021		Prior			cost basis			Total
Residential real estate - owner occupied
Risk rating
Pass	$	29,888		$	156,228		$	153,504		$	162,591		$	154,987	$	150,571		$	-		$	807,769
OAEM		-			156			-			-			85		-			-			241
Substandard		-			-			-			12			-		339			-			351
Substandard non-performing		251			580			2,129			1,938			53		511			-			5,462
Doubtful		-			-			-			-			-		-			-			-
Total Residential real estate - owner occupied	$	30,139		$	156,964		$	155,633		$	164,541		$	155,125	$	151,421		$	-		$	813,823
Current period gross charge offs	$	-		$	-		$	(45	)	$	-		$	-	$	(5	)	$	-		$	(50	)
Residential real estate - non-owner occupied
Risk rating
Pass	$	23,880		$	72,094		$	62,576		$	69,881		$	67,424	$	83,351		$	-		$	379,206
OAEM		-			-			-			-			-		501			-			501
Substandard		-			-			-			-			-		113			-			113
Substandard non-performing		-			150			1,134			210			-		115			-			1,609
Doubtful		-			-			-			-			-		-			-			-
Total Residential real estate - non-owner occupied	$	23,880		$	72,244		$	63,710		$	70,091		$	67,424	$	84,080		$	-		$	381,429
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-	$	-		$	-		$	-
Construction and land development
Risk rating
Pass	$	74,817		$	273,442		$	249,976		$	52,257		$	8,178	$	3,656		$	10,898		$	673,224
OAEM		-			3,681			-			-			-		-			-			3,681
Substandard		-			-			1,361			-			-		-			999			2,360
Substandard non-performing		-			80			-			-			-		-			-			80
Doubtful		-			-			-			-			-		-			-			-
Total Construction and land development	$	74,817		$	277,203		$	251,337		$	52,257		$	8,178	$	3,656		$	11,897		$	679,345
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-	$	-		$	-		$	-
Home equity lines of credit
Risk rating
Pass	$	-		$	-		$	-		$	-		$	-	$	-		$	251,036		$	251,036
OAEM		-			-			-			-			-		-			-			-
Substandard		-			-			-			-			-		-			1,084			1,084
Substandard non-performing		-			-			-			-			-		-			5			5
Doubtful		-			-			-			-			-		-			-			-
Total Home equity lines of credit	$	-		$	-		$	-		$	-		$	-	$	-		$	252,125		$	252,125
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-	$	-		$	(10	)	$	(10	)
Consumer
Risk rating
Pass	$	4,930		$	20,784		$	16,601		$	11,791		$	5,464	$	1,604		$	78,438		$	139,612
OAEM		-			-			-			-			-		-			-			-
Substandard		-			-			-			-			-		-			-			-
Substandard non-performing		-			126			183			39			24		25			-			397
Doubtful		-			-			-			-			-		-			-			-
Total Consumer	$	4,930		$	20,910		$	16,784		$	11,830		$	5,488	$	1,629		$	78,438		$	140,009
Current period gross charge offs	$	(170	)	$	(26	)	$	(3	)	$	(2	)	$	-	$	(2	)	$	-		$	(203	)

																	Revolving
																	loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year																amortized
March 31, 2025	2025			2024			2023			2022			2021		Prior		cost basis			Total
Leases
Risk rating
Pass	$	166		$	4,715		$	5,106		$	1,591		$	1,308	$	483	$	-		$	13,369
OAEM		-			-			-			-			-		-		-			-
Substandard		-			24			-			532			491		44		-			1,091
Substandard non-performing		-			-			-			-			-		-		-			-
Doubtful		-			-			-			-			-		-		-			-
Total Leases	$	166		$	4,739		$	5,106		$	2,123		$	1,799	$	527	$	-		$	14,460
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-	$	-	$	-		$	-
Credit cards
Risk rating
Pass	$	-		$	-		$	-		$	-		$	-	$	-	$	26,297		$	26,297
OAEM		-			-			-			-			-		-		-			-
Substandard		-			-			-			-			-		-		-			-
Substandard non-performing		-			-			-			-			-		-		-			-
Doubtful		-			-			-			-			-		-		-			-
Total Credit cards	$	-		$	-		$	-		$	-		$	-	$	-	$	26,297		$	26,297
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-	$	-	$	(91	)	$	(91	)
Total loans
Risk rating
Pass	$	387,836		$	1,407,230		$	1,118,611		$	1,046,700		$	809,120	$	913,289	$	810,494		$	6,493,280
OAEM		8,893			26,365			378			2,994			12,601		18,588		9,970			79,789
Substandard		1,100			7,653			8,654			7,605			7,438		1,240		23,736			57,426
Substandard non-performing		314			2,422			3,605			2,341			793		6,385		5			15,865
Doubtful		-			-			-			-			-		-		-			-
Total Loans	$	398,143		$	1,443,670		$	1,131,248		$	1,059,640		$	829,952	$	939,502	$	844,205		$	6,646,360
Current period gross charge offs	$	(261	)	$	(71	)	$	(263	)	$	(2	)	$	-	$	-	$	(17	)	$	(614	)

																	Revolving
																	loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year																amortized
December 31, 2024	2024			2023			2022			2021			2020		Prior		cost basis		Total
Commercial real estate - non-owner occupied:
Risk rating
Pass	$	416,310		$	293,890		$	402,081		$	291,741		$	199,039	$	157,303	$	28,584	$	1,788,948
OAEM		10,480			1,533			-			10,709			1,664		13,191		-		37,577
Substandard		1,546			-			2,320			-			-		225		98		4,189
Substandard non-performing		269			-			-			-			-		4,952		-		5,221
Doubtful		-			-			-			-			-		-		-		-
Total Commercial real estate non-owner occupied	$	428,605		$	295,423		$	404,401		$	302,450		$	200,703	$	175,671	$	28,682	$	1,835,935
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-	$	-	$	-	$	-
Commercial real estate - owner occupied:
Risk rating
Pass	$	133,404		$	163,452		$	172,933		$	174,638		$	156,955	$	139,919	$	22,012	$	963,313
OAEM		6,292			273			1,145			1,856			715		3,385		-		13,666
Substandard		7,192			9,923			3,656			3,643			-		229		-		24,643
Substandard non-performing		434			-			-			731			66		-		-		1,231
Doubtful		-			-			-			-			-		-		-		-
Total Commercial real estate owner occupied	$	147,322		$	173,648		$	177,734		$	180,868		$	157,736	$	143,533	$	22,012	$	1,002,853
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-	$	-	$	-	$	-
Commercial and industrial - term:
Risk rating
Pass	$	312,854		$	173,383		$	198,754		$	120,056		$	34,013	$	30,903	$	-	$	869,963
OAEM		2,679			1,813			833			104			28		-		-		5,457
Substandard		496			311			-			3,036			10		223		-		4,076
Substandard non-performing		3,822			349			343			-			302		87		-		4,903
Doubtful		-			-			-			-			-		-		-		-
Total Commercial and industrial - term	$	319,851		$	175,856		$	199,930		$	123,196		$	34,353	$	31,213	$	-	$	884,399
Current period gross charge offs	$	(414	)	$	(250	)	$	(6	)	$	(78	)	$	-	$	-	$	-	$	(748	)
Commercial and industrial - lines of credit
Risk rating
Pass	$	119,206		$	11,181		$	3,967		$	2,553		$	295	$	2,654	$	372,866	$	512,722
OAEM		7,448			-			-			-			-		-		10,750		18,198
Substandard		-			-			-			-			-		-		23,335		23,335
Substandard non-performing		-			-			-			-			-		-		-		-
Doubtful		-			-			-			-			-		-		-		-
Total Commercial and industrial - lines of credit	$	126,654		$	11,181		$	3,967		$	2,553		$	295	$	2,654	$	406,951	$	554,255
Current period gross charge offs	$	-		$	-		$	(555	)	$	-		$	-	$	-	$	-	$	(555	)

																			Revolving
																			loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year																		amortized
December 31, 2024	2024			2023			2022			2021			2020			Prior			cost basis			Total
Residential real estate - owner occupied
Risk rating
Pass	$	161,257		$	154,799		$	166,127		$	159,449		$	77,516		$	78,169		$	-		$	797,317
OAEM		158			-			-			83			-			-			-			241
Substandard		-			-			12			-			-			342			-			354
Substandard non-performing		1,028			3,737			1,400			320			9			674			-			7,168
Doubtful		-			-			-			-			-			-			-			-
Total Residential real estate - owner occupied	$	162,443		$	158,536		$	167,539		$	159,852		$	77,525		$	79,185		$	-		$	805,080
Current period gross charge offs	$	-		$	(349	)	$	-		$	-		$	-		$	(7	)	$	-		$	(356	)
Residential real estate - non-owner occupied
Risk rating
Pass	$	80,717		$	66,330		$	72,580		$	70,585		$	41,874		$	47,578		$	-		$	379,664
OAEM		-			-			-			-			-			514			-			514
Substandard		-			-			-			-			-			115			-			115
Substandard non-performing		739			1,332			214			17			-			149			-			2,451
Doubtful		-			-			-			-			-			-			-			-
Total Residential real estate - non-owner occupied	$	81,456		$	67,662		$	72,794		$	70,602		$	41,874		$	48,356		$	-		$	382,744
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Construction and land development
Risk rating
Pass	$	237,785		$	234,782		$	115,429		$	8,381		$	1,273		$	3,569		$	15,420		$	616,639
OAEM		3,680			1,376			-			-			-			-			-			5,056
Substandard		-			-			-			-			-			-			999			999
Substandard non-performing		311			-			-			-			-			-			-			311
Doubtful		-			-			-			-			-			-			-			-
Total Construction and land development	$	241,776		$	236,158		$	115,429		$	8,381		$	1,273		$	3,569		$	16,419		$	623,005
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Home equity lines of credit
Risk rating
Pass	$	-		$	-		$	-		$	-		$	-		$	-		$	246,336		$	246,336
OAEM		-			-			-			-			-			-			-			-
Substandard		-			-			-			-			-			-			1,027			1,027
Substandard non-performing		-			-			-			-			-			-			70			70
Doubtful		-			-			-			-			-			-			-			-
Total Home equity lines of credit	$	-		$	-		$	-		$	-		$	-		$	-		$	247,433		$	247,433
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	(107	)	$	(107	)
Consumer
Risk rating
Pass	$	22,895		$	18,200		$	12,822		$	6,294		$	1,095		$	1,023		$	81,943		$	144,272
OAEM		-			-			-			-			-			-			-			-
Substandard		-			-			-			-			-			-			-			-
Substandard non-performing		135			113			66			13			17			28			-			372
Doubtful		-			-			-			-			-			-			-			-
Total Consumer	$	23,030		$	18,313		$	12,888		$	6,307		$	1,112		$	1,051		$	81,943		$	144,644
Current period gross charge offs	$	(640	)	$	(19	)	$	(12	)	$	(41	)	$	(9	)	$	(45	)	$	(19	)	$	(785	)

																			Revolving
																			loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year																		amortized
December 31, 2024	2024			2023			2022			2021			2020			Prior			cost basis			Total
Leases
Risk rating
Pass	$	4,935		$	5,439		$	1,864		$	1,462		$	597		$	3		$	-		$	14,300
OAEM		-			-			-			-			-			-			-			-
Substandard		31			-			586			536			61			-			-			1,214
Substandard non-performing		-			-			-			-			-			-			-			-
Doubtful		-			-			-			-			-			-			-			-
Total Leases	$	4,966		$	5,439		$	2,450		$	1,998		$	658		$	3		$	-		$	15,514
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Credit cards
Risk rating
Pass	$	-		$	-		$	-		$	-		$	-		$	-		$	24,540		$	24,540
OAEM		-			-			-			-			-			-			-			-
Substandard		-			-			-			-			-			-			-			-
Substandard non-performing		-			-			-			-			-			-			-			-
Doubtful		-			-			-			-			-			-			-			-
Total Credit cards	$	-		$	-		$	-		$	-		$	-		$	-		$	24,540		$	24,540
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	(225	)	$	(225	)
Total loans
Risk rating
Pass	$	1,489,363		$	1,121,456		$	1,146,557		$	835,159		$	512,657		$	461,121		$	791,701		$	6,358,014
OAEM		30,737			4,995			1,978			12,752			2,407			17,090			10,750			80,709
Substandard		9,265			10,234			6,574			7,215			71			1,134			25,459			59,952
Substandard non-performing		6,738			5,531			2,023			1,081			394			5,890			70			21,727
Doubtful		-			-			-			-			-			-			-			-
Total Loans	$	1,536,103		$	1,142,216		$	1,157,132		$	856,207		$	515,529		$	485,235		$	827,980		$	6,520,402
Current period gross charge offs	$	(1,054	)	$	(618	)	$	(573	)	$	(119	)	$	(9	)	$	(52	)	$	(351	)	$	(2,776	)

Financinng Receivable, Schedule of Payment Activity [Table Text Block]

	March 31,		December 31,
(in thousands)	2025		2024
Credit cards
Performing	$	26,109	$	24,370
Non-performing		188		170
Total credit cards	$	26,297	$	24,540