XML 56 R45.htm IDEA: XBRL DOCUMENT v3.25.2
Loans and Allowance for Credit Losses - Schedule of Credit Quality (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one $ 184,122   $ 184,122   $ 214,663
Year two 162,769   162,769   210,937
Year three 184,279   184,279   389,320
Year four 341,196   341,196   287,127
Year five 242,137   242,137   140,045
Prior 203,772   203,772   89,649
Revolving Loans Amortized Cost Basis 139,518   139,518   130,191
Revolving Loans Converted to Term Loans Amortized Cost Basis 5,105   5,105   4,228
Total 1,462,898   1,462,898   1,466,160
Current fiscal year, charge-offs     0   10
Fiscal year before current fiscal year, charge-offs     9   581
Two year before current fiscal year, charge-offs     32   9
Three year before current fiscal year, charge-offs     2   172
Four year before current fiscal year, charge-offs     0   3
Prior, charge-offs     240   382
Revolving loans, charge-offs     0   1,834
Revolving, converted to term loan, charge-offs     0   0
Total charge-offs 141 $ 2,007 283 $ 2,130 2,991
Pass          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 169,317   169,317   177,677
Year two 134,557   134,557   210,451
Year three 179,929   179,929   373,267
Year four 317,447   317,447   284,058
Year five 240,525   240,525   139,276
Prior 201,312   201,312   88,093
Revolving Loans Amortized Cost Basis 137,317   137,317   128,312
Revolving Loans Converted to Term Loans Amortized Cost Basis 4,702   4,702   3,244
Total 1,385,106   1,385,106   1,404,378
Watch          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 14,747   14,747   8,911
Year two 5,091   5,091   295
Year three 648   648   6,289
Year four 9,869   9,869   2,352
Year five 1,065   1,065   423
Prior 1,097   1,097   1,121
Revolving Loans Amortized Cost Basis 242   242   534
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   581
Total 32,759   32,759   20,506
Special Mention          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 0   0   27,271
Year two 20,559   20,559   0
Year three 3,512   3,512   5,679
Year four 5,397   5,397   0
Year five 0   0   309
Prior 284   284   0
Revolving Loans Amortized Cost Basis 557   557   741
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 30,309   30,309   34,000
Substandard          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 58   58   804
Year two 2,562   2,562   191
Year three 190   190   4,085
Year four 8,483   8,483   717
Year five 547   547   37
Prior 1,079   1,079   435
Revolving Loans Amortized Cost Basis 1,402   1,402   525
Revolving Loans Converted to Term Loans Amortized Cost Basis 403   403   403
Total 14,724   14,724   7,197
Doubtful          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one         0
Year two         0
Year three         0
Year four         0
Year five         0
Prior         0
Revolving Loans Amortized Cost Basis         79
Revolving Loans Converted to Term Loans Amortized Cost Basis         0
Total         79
Commercial, Financial, and Agricultural          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 31,147   31,147   23,012
Year two 15,312   15,312   21,509
Year three 15,735   15,735   34,926
Year four 25,184   25,184   25,966
Year five 22,396   22,396   26,903
Prior 28,849   28,849   4,194
Revolving Loans Amortized Cost Basis 71,829   71,829   63,885
Revolving Loans Converted to Term Loans Amortized Cost Basis 1,814   1,814   1,934
Total 212,266   212,266   202,329
Current fiscal year, charge-offs     0   0
Fiscal year before current fiscal year, charge-offs     9   230
Two year before current fiscal year, charge-offs     0   0
Three year before current fiscal year, charge-offs     0   104
Four year before current fiscal year, charge-offs     0   2
Prior, charge-offs     25   106
Revolving loans, charge-offs     0   1,796
Revolving, converted to term loan, charge-offs     0   0
Total charge-offs 21 1,857 34 1,888 2,238
Commercial, Financial, and Agricultural | Pass          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 31,092   31,092   22,726
Year two 14,532   14,532   21,302
Year three 12,034   12,034   30,025
Year four 20,330   20,330   25,338
Year five 21,849   21,849   26,557
Prior 28,239   28,239   3,932
Revolving Loans Amortized Cost Basis 70,128   70,128   62,205
Revolving Loans Converted to Term Loans Amortized Cost Basis 1,411   1,411   1,531
Total 199,615   199,615   193,616
Commercial, Financial, and Agricultural | Watch          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 55   55   0
Year two 0   0   120
Year three 102   102   1,473
Year four 1,007   1,007   0
Year five 0   0   0
Prior 251   251   262
Revolving Loans Amortized Cost Basis 0   0   504
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 1,415   1,415   2,359
Commercial, Financial, and Agricultural | Special Mention          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 0   0   0
Year two 0   0   0
Year three 3,512   3,512   0
Year four 337   337   0
Year five 0   0   309
Prior 284   284   0
Revolving Loans Amortized Cost Basis 557   557   741
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 4,690   4,690   1,050
Commercial, Financial, and Agricultural | Substandard          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 0   0   286
Year two 780   780   87
Year three 87   87   3,428
Year four 3,510   3,510   628
Year five 547   547   37
Prior 75   75   0
Revolving Loans Amortized Cost Basis 1,144   1,144   356
Revolving Loans Converted to Term Loans Amortized Cost Basis 403   403   403
Total 6,546   6,546   5,225
Commercial, Financial, and Agricultural | Doubtful          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one         0
Year two         0
Year three         0
Year four         0
Year five         0
Prior         0
Revolving Loans Amortized Cost Basis         79
Revolving Loans Converted to Term Loans Amortized Cost Basis         0
Total         79
Real Estate Construction - Residential          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 7,010   7,010   16,822
Year two 8,264   8,264   13,808
Year three 8,843   8,843   601
Year four 0   0   617
Year five 0   0   165
Prior 0   0   0
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   33
Total 24,117   24,117   32,046
Current fiscal year, charge-offs     0   0
Fiscal year before current fiscal year, charge-offs     0   0
Two year before current fiscal year, charge-offs     0   0
Three year before current fiscal year, charge-offs     0   0
Four year before current fiscal year, charge-offs     0   0
Prior, charge-offs     0   0
Revolving loans, charge-offs     0   0
Revolving, converted to term loan, charge-offs     0   0
Total charge-offs 0 0 0 0 0
Real Estate Construction - Residential | Pass          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 7,010   7,010   16,368
Year two 8,264   8,264   13,808
Year three 8,755   8,755   601
Year four 0   0   617
Year five 0   0   165
Prior 0   0   0
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   33
Total 24,029   24,029   31,592
Real Estate Construction - Residential | Special Mention          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 0   0    
Year two 0   0    
Year three 88   88    
Year four 0   0    
Year five 0   0    
Prior 0   0    
Revolving Loans Amortized Cost Basis 0   0    
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0    
Total 88   88    
Real Estate Construction - Residential | Substandard          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one         454
Year two         0
Year three         0
Year four         0
Year five         0
Prior         0
Revolving Loans Amortized Cost Basis         0
Revolving Loans Converted to Term Loans Amortized Cost Basis         0
Total         454
Real Estate Construction - Commercial          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 17,430   17,430   50,653
Year two 20,044   20,044   7,210
Year three 8,415   8,415   10,437
Year four 10,575   10,575   3,828
Year five 2,918   2,918   622
Prior 1,154   1,154   613
Revolving Loans Amortized Cost Basis 5,905   5,905   7,072
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 66,441   66,441   80,435
Current fiscal year, charge-offs     0   0
Fiscal year before current fiscal year, charge-offs     0   0
Two year before current fiscal year, charge-offs     0   0
Three year before current fiscal year, charge-offs     0   0
Four year before current fiscal year, charge-offs     0   0
Prior, charge-offs     0   0
Revolving loans, charge-offs     0   0
Revolving, converted to term loan, charge-offs     0   0
Total charge-offs 0 0 0 0 0
Real Estate Construction - Commercial | Pass          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 17,430   17,430   49,742
Year two 18,787   18,787   7,057
Year three 8,386   8,386   10,424
Year four 5,780   5,780   3,828
Year five 2,918   2,918   622
Prior 1,114   1,114   564
Revolving Loans Amortized Cost Basis 5,905   5,905   7,072
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 60,320   60,320   79,309
Real Estate Construction - Commercial | Watch          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 0   0   911
Year two 1,257   1,257   124
Year three 0   0   13
Year four 4,795   4,795   0
Year five 0   0   0
Prior 40   40   0
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 6,092   6,092   1,048
Real Estate Construction - Commercial | Substandard          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 0   0   0
Year two 0   0   29
Year three 29   29   0
Year four 0   0   0
Year five 0   0   0
Prior 0   0   49
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 29   29   78
Real Estate Mortgage - Residential          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 50,219   50,219   35,707
Year two 24,500   24,500   46,795
Year three 42,867   42,867   116,394
Year four 109,499   109,499   49,999
Year five 46,530   46,530   42,459
Prior 59,779   59,779   24,491
Revolving Loans Amortized Cost Basis 45,239   45,239   44,347
Revolving Loans Converted to Term Loans Amortized Cost Basis 2,404   2,404   1,543
Total 381,037   381,037   361,735
Current fiscal year, charge-offs     0   0
Fiscal year before current fiscal year, charge-offs     0   0
Two year before current fiscal year, charge-offs     0   0
Three year before current fiscal year, charge-offs     0   0
Four year before current fiscal year, charge-offs     0   0
Prior, charge-offs     14   14
Revolving loans, charge-offs     0   37
Revolving, converted to term loan, charge-offs     0   0
Total charge-offs 8 22 14 23 51
Real Estate Mortgage - Residential | Pass          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 36,051   36,051   30,005
Year two 23,073   23,073   46,795
Year three 42,867   42,867   115,928
Year four 108,716   108,716   49,519
Year five 46,149   46,149   42,036
Prior 58,932   58,932   23,440
Revolving Loans Amortized Cost Basis 44,883   44,883   44,148
Revolving Loans Converted to Term Loans Amortized Cost Basis 2,404   2,404   1,543
Total 363,075   363,075   353,414
Real Estate Mortgage - Residential | Watch          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 14,110   14,110   5,702
Year two 1,427   1,427   0
Year three 0   0   40
Year four 0   0   391
Year five 381   381   423
Prior 629   629   675
Revolving Loans Amortized Cost Basis 242   242   30
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 16,789   16,789   7,261
Real Estate Mortgage - Residential | Substandard          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 58   58   0
Year two 0   0   0
Year three 0   0   426
Year four 783   783   89
Year five 0   0   0
Prior 218   218   376
Revolving Loans Amortized Cost Basis 114   114   169
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 1,173   1,173   1,060
Real Estate Mortgage - Commercial          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 77,072   77,072   86,281
Year two 93,042   93,042   117,979
Year three 105,837   105,837   223,371
Year four 193,353   193,353   205,552
Year five 169,580   169,580   69,342
Prior 110,986   110,986   57,536
Revolving Loans Amortized Cost Basis 16,483   16,483   14,815
Revolving Loans Converted to Term Loans Amortized Cost Basis 887   887   718
Total 767,240   767,240   775,594
Current fiscal year, charge-offs     0   0
Fiscal year before current fiscal year, charge-offs     0   340
Two year before current fiscal year, charge-offs     12   0
Three year before current fiscal year, charge-offs     0   65
Four year before current fiscal year, charge-offs     0   0
Prior, charge-offs     24   32
Revolving loans, charge-offs     0   0
Revolving, converted to term loan, charge-offs     0   0
Total charge-offs 3 67 36 89 437
Real Estate Mortgage - Commercial | Pass          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 76,490   76,490   56,648
Year two 68,294   68,294   117,853
Year three 105,314   105,314   212,698
Year four 180,036   180,036   203,591
Year five 168,896   168,896   69,342
Prior 110,030   110,030   57,352
Revolving Loans Amortized Cost Basis 16,339   16,339   14,815
Revolving Loans Converted to Term Loans Amortized Cost Basis 887   887   137
Total 726,286   726,286   732,436
Real Estate Mortgage - Commercial | Watch          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 582   582   2,298
Year two 2,407   2,407   51
Year three 458   458   4,763
Year four 4,067   4,067   1,961
Year five 684   684   0
Prior 177   177   184
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   581
Total 8,375   8,375   9,838
Real Estate Mortgage - Commercial | Special Mention          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 0   0   27,271
Year two 20,559   20,559   0
Year three 0   0   5,679
Year four 5,060   5,060   0
Year five 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 25,619   25,619   32,950
Real Estate Mortgage - Commercial | Substandard          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 0   0   64
Year two 1,782   1,782   75
Year three 65   65   231
Year four 4,190   4,190   0
Year five 0   0   0
Prior 779   779   0
Revolving Loans Amortized Cost Basis 144   144   0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 6,960   6,960   370
Installment and other consumer          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 1,244   1,244   2,188
Year two 1,607   1,607   3,636
Year three 2,582   2,582   3,591
Year four 2,585   2,585   1,165
Year five 713   713   554
Prior 3,004   3,004   2,815
Revolving Loans Amortized Cost Basis 62   62   72
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 11,797   11,797   14,021
Current fiscal year, charge-offs     0   10
Fiscal year before current fiscal year, charge-offs     0   11
Two year before current fiscal year, charge-offs     20   9
Three year before current fiscal year, charge-offs     2   3
Four year before current fiscal year, charge-offs     0   1
Prior, charge-offs     177   230
Revolving loans, charge-offs     0   1
Revolving, converted to term loan, charge-offs     0   0
Total charge-offs 109 $ 61 199 $ 130 265
Installment and other consumer | Pass          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 1,244   1,244   2,188
Year two 1,607   1,607   3,636
Year three 2,573   2,573   3,591
Year four 2,585   2,585   1,165
Year five 713   713   554
Prior 2,997   2,997   2,805
Revolving Loans Amortized Cost Basis 62   62   72
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total 11,781   11,781   14,011
Installment and other consumer | Substandard          
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment          
Year one 0   0   0
Year two 0   0   0
Year three 9   9   0
Year four 0   0   0
Year five 0   0   0
Prior 7   7   10
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0   0   0
Total $ 16   $ 16   $ 10