Note 5 - Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2024

Notes Tables

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

	September 30,		December 31,
(dollars in thousands)	2024		2023
Commercial
Commercial and industrial	$	606,245	$	562,180
Commercial real estate
Construction, land and development		173,629		124,034
Multifamily		275,377		245,103
Non-owner occupied		686,071		569,354
Owner occupied		296,366		271,623
Total commercial real estate		1,431,443		1,210,114
Agricultural
Land		45,821		40,832
Production		39,436		36,141
Total agricultural		85,257		76,973
Total commercial		2,122,945		1,849,267
Consumer
Residential real estate
First lien		690,451		697,900
Construction		11,808		28,979
HELOC		134,301		118,315
Junior lien		36,445		35,819
Total residential real estate		873,005		881,013
Other consumer		36,393		29,303
Total consumer		909,398		910,316
Total loans	$	3,032,343	$	2,759,583

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

	Three months ended September 30, 2024
	Beginning		Provision for			Loan			Loan		Ending
(dollars in thousands)	Balance		Credit Losses(1)			Charge-offs			Recoveries		Balance
Commercial
Commercial and industrial	$	6,234	$	660		$	(246	)	$	153	$	6,801
Commercial real estate
Construction, land and development		10,820		(447	)		—			—		10,373
Multifamily		2,430		161			—			—		2,591
Non-owner occupied		8,772		(260	)		—			—		8,512
Owner occupied		2,280		233			(98	)		14		2,429
Total commercial real estate		24,302		(313	)		(98	)		14		23,905
Agricultural
Land		259		(2	)		—			20		277
Production		185		(3	)		—			—		182
Total agricultural		444		(5	)		—			20		459
Total commercial		30,980		342			(344	)		187		31,165
Consumer
Residential real estate
First lien		5,366		74			—			—		5,440
Construction		458		(355	)		—			—		103
HELOC		886		68			—			—		954
Junior lien		314		807			—			—		1,121
Total residential real estate		7,024		594			—			—		7,618
Other consumer		328		190			(161	)		2		359
Total consumer		7,352		784			(161	)		2		7,977
Total	$	38,332	$	1,126		$	(505	)	$	189	$	39,142

	Nine Months Ended September 30, 2024
	Beginning		Provision for			Loan			Loan		Ending
(dollars in thousands)	Balance		Credit Losses(1)			Charge-offs			Recoveries		Balance
Commercial
Commercial and industrial	$	9,705	$	(159	)	$	(3,140	)	$	395	$	6,801
Commercial real estate
Construction, land and development		6,135		4,238			—			—		10,373
Multifamily		1,776		815			—			—		2,591
Non-owner occupied		7,726		786			—			—		8,512
Owner occupied		2,449		73			(127	)		34		2,429
Total commercial real estate		18,086		5,912			(127	)		34		23,905
Agricultural
Land		96		161			—			20		277
Production		84		98			—			—		182
Total agricultural		180		259			—			20		459
Total commercial		27,971		6,012			(3,267	)		449		31,165
Consumer
Residential real estate
First lien		6,087		(647	)		—			—		5,440
Construction		485		(382	)		—			—		103
HELOC		835		119			—			—		954
Junior lien		264		786			(3	)		74		1,121
Total residential real estate		7,671		(124	)		(3	)		74		7,618
Other consumer		201		307			(174	)		25		359
Total consumer		7,872		183			(177	)		99		7,977
Total	$	35,843	$	6,195		$	(3,444	)	$	548	$	39,142

	Three months ended September 30, 2023
	Beginning		Provision for			Loan			Loan		Ending
(dollars in thousands)	Balance		Credit Losses			Charge-offs			Recoveries		Balance
Commercial
Commercial and industrial	$	8,170	$	93		$	(134	)	$	456	$	8,585
Commercial real estate
Construction, land and development		3,731		770			—			251		4,752
Multifamily		1,991		(25	)		—			—		1,966
Non-owner occupied		8,555		(198	)		—			—		8,357
Owner occupied		2,894		(148	)		—			11		2,757
Total commercial real estate		17,171		399			—			262		17,832
Agricultural
Land		138		(22	)		—			—		116
Production		103		(5	)		—			—		98
Total agricultural		241		(27	)		—			—		214
Total commercial		25,582		465			(134	)		718		26,631
Consumer
Residential real estate
First lien		7,571		(317	)		(9	)		—		7,245
Construction		785		(22	)		—			—		763
HELOC		1,117		(54	)		—			3		1,066
Junior lien		330		(6	)		—			—		324
Total residential real estate		9,803		(399	)		(9	)		3		9,398
Other consumer		311		(66	)		(8	)		24		261
Total consumer		10,114		(465	)		(17	)		27		9,659
Total	$	35,696	$	—		$	(151	)	$	745	$	36,290

	Nine Months Ended September 30, 2023
	Beginning		Adoption			Provision for			Loan			Loan		Ending
(dollars in thousands)	Balance		of ASC 326			Credit Losses(1)			Charge-offs			Recoveries		Balance
Commercial
Commercial and industrial	$	8,690	$	(535	)	$	(126	)	$	(394	)	$	950	$	8,585
Commercial real estate
Construction, land and development		1,458		2,551			492			—			251		4,752
Multifamily		1,062		(162	)		1,066			—			—		1,966
Non-owner occupied		7,543		1,344			(530	)		—			—		8,357
Owner occupied		4,188		(1,324	)		(140	)		—			33		2,757
Total commercial real estate		14,251		2,409			888			—			284		17,832
Agricultural
Land		281		(86	)		(80	)		—			1		116
Production		250		(76	)		(76	)		—			—		98
Total agricultural		531		(162	)		(156	)		—			1		214
Total commercial		23,472		1,712			606			(394	)		1,235		26,631
Consumer
Residential real estate
First lien		5,495		1,800			(43	)		(9	)		2		7,245
Construction		345		468			(50	)		—			—		763
HELOC		951		59			50			—			6		1,066
Junior lien		352		(85	)		85			(77	)		49		324
Total residential real estate		7,143		2,242			42			(86	)		57		9,398
Other consumer		531		(97	)		(188	)		(36	)		51		261
Total consumer		7,674		2,145			(146	)		(122	)		108		9,659
Total	$	31,146	$	3,857		$	460		$	(516	)	$	1,343	$	36,290

Financing Receivable Credit Quality Indicators [Table Text Block]

													Revolving
(dollars in thousands)	Term Loans Amortized Cost Basis by Origination Year												Loans Amortized
As of September 30, 2024	2024		2023		2022		2021		2020		Prior		Cost Basis		Total
Commercial and industrial
Pass	$	139,653	$	147,857	$	63,749	$	40,651	$	50,753	$	38,881	$	90,695	$	572,239
Special mention		—		515		—		9,368		—		6		192		10,081
Substandard		—		4,448		—		4,027		3,062		2,009		10,379		23,925
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	139,653	$	152,820	$	63,749	$	54,046	$	53,815	$	40,896	$	101,266	$	606,245
Gross charge-offs for the period ended	$	—	$	191	$	—	$	—	$	2,668	$	281	$	—	$	3,140
CRE − Construction, land and development
Pass	$	47,796	$	58,373	$	25,508	$	1,263	$	—	$	1,652	$	14,032	$	148,624
Special mention		—		—		—		—		—		—		—		—
Substandard		1,139		—		23,866		—		—		—		—		25,005
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	48,935	$	58,373	$	49,374	$	1,263	$	—	$	1,652	$	14,032	$	173,629
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CRE − Multifamily
Pass	$	24,189	$	57,051	$	110,246	$	18,525	$	31,639	$	20,484	$	134	$	262,268
Special mention		—		—		—		—		12,807		—		—		12,807
Substandard		—		—		—		—		—		302		—		302
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	24,189	$	57,051	$	110,246	$	18,525	$	44,446	$	20,786	$	134	$	275,377
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CRE − Non-owner occupied
Pass	$	110,526	$	154,417	$	146,842	$	56,666	$	60,671	$	132,675	$	64	$	661,861
Special mention		—		—		—		7,032		—		1,098		4,578		12,708
Substandard		—		—		—		7,788		—		3,714		—		11,502
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	110,526	$	154,417	$	146,842	$	71,486	$	60,671	$	137,487	$	4,642	$	686,071
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CRE − Owner occupied
Pass	$	52,339	$	32,986	$	49,367	$	42,406	$	28,424	$	76,053	$	1,798	$	283,373
Special mention		—		—		—		944		—		336		—		1,280
Substandard		—		244		2,635		2,437		—		6,397		—		11,713
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	52,339	$	33,230	$	52,002	$	45,787	$	28,424	$	82,786	$	1,798	$	296,366
Gross charge-offs for the period ended	$	—	$	—	$	29	$	—	$	—	$	98	$	—	$	127
Agricultural − Land
Pass	$	8,423	$	5,653	$	12,726	$	4,504	$	5,461	$	6,502	$	82	$	43,351
Special mention		—		—		—		—		—		—		—		—
Substandard		—		304		2,166		—		—		—		—		2,470
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	8,423	$	5,957	$	14,892	$	4,504	$	5,461	$	6,502	$	82	$	45,821
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Agricultural − Production
Pass	$	6,913	$	6,178	$	4,709	$	493	$	1,294	$	599	$	17,915	$	38,101
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		1,335		—		—		—		—		1,335
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	6,913	$	6,178	$	6,044	$	493	$	1,294	$	599	$	17,915	$	39,436
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential real estate − First lien
Performing	$	17,117	$	69,102	$	191,133	$	204,117	$	100,781	$	106,253	$	—	$	688,503
Nonperforming		—		579		—		301		12		1,056		—		1,948
Subtotal	$	17,117	$	69,681	$	191,133	$	204,418	$	100,793	$	107,309	$	—	$	690,451
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential real estate − Construction
Performing	$	4,035	$	1,796	$	—	$	1,297	$	—	$	—	$	—	$	7,128
Nonperforming		—		—		4,680		—		—		—		—		4,680
Subtotal	$	4,035	$	1,796	$	4,680	$	1,297	$	—	$	—	$	—	$	11,808
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential real estate − HELOC
Performing	$	2,712	$	6,392	$	6,103	$	1,199	$	968	$	1,398	$	114,041	$	132,813
Nonperforming		—		—		—		—		—		138		1,350		1,488
Subtotal	$	2,712	$	6,392	$	6,103	$	1,199	$	968	$	1,536	$	115,391	$	134,301
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential real estate − Junior lien
Performing	$	3,942	$	9,803	$	7,643	$	4,304	$	2,865	$	3,937	$	200	$	32,694
Nonperforming		1,775		—		300		107		—		1,569		—		3,751
Subtotal	$	5,717	$	9,803	$	7,943	$	4,411	$	2,865	$	5,506	$	200	$	36,445
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	3	$	—	$	3
Other consumer
Performing	$	7,452	$	3,662	$	4,732	$	418	$	2,236	$	849	$	16,754	$	36,103
Nonperforming		—		—		272		—		7		11		—		290
Subtotal	$	7,452	$	3,662	$	5,004	$	418	$	2,243	$	860	$	16,754	$	36,393
Gross charge-offs for the period ended	$	—	$	6	$	3	$	150	$	4	$	11	$	—	$	174
Total loans	$	428,011	$	559,360	$	658,012	$	407,847	$	300,980	$	405,919	$	272,214	$	3,032,343
Gross charge-offs for the period ended	$	—	$	197	$	32	$	150	$	2,672	$	393	$	—	$	3,444

													Revolving
(dollars in thousands)	Term Loans Amortized Cost Basis by Origination Year												Loans Amortized
As of December 31, 2023	2023		2022		2021		2020		2019		Prior		Cost Basis		Total
Commercial and industrial
Pass	$	189,643	$	83,233	$	66,837	$	62,367	$	31,859	$	14,879	$	83,522	$	532,340
Special mention		—		—		—		—		—		—		—		—
Substandard		464		4,844		236		6,328		94		2,513		15,361		29,840
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	190,107	$	88,077	$	67,073	$	68,695	$	31,953	$	17,392	$	98,883	$	562,180
Gross charge-offs for the period ended	$	39	$	—	$	49	$	11	$	247	$	90	$	—	$	436
CRE − Construction, land and development
Pass	$	29,902	$	57,944	$	14,326	$	122	$	—	$	952	$	121	$	103,367
Special mention		—		—		—		—		—		—		—		—
Substandard		—		20,667		—		—		—		—		—		20,667
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	29,902	$	78,611	$	14,326	$	122	$	—	$	952	$	121	$	124,034
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CRE − Multifamily
Pass	$	71,994	$	67,368	$	16,637	$	48,643	$	24,581	$	15,435	$	135	$	244,793
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		310		—		310
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	71,994	$	67,368	$	16,637	$	48,643	$	24,581	$	15,745	$	135	$	245,103
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CRE − Non-owner occupied
Pass	$	154,813	$	127,550	$	79,046	$	62,857	$	69,269	$	69,680	$	5,121	$	568,336
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		875		143		—		1,018
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	154,813	$	127,550	$	79,046	$	62,857	$	70,144	$	69,823	$	5,121	$	569,354
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CRE − Owner occupied
Pass	$	39,030	$	55,337	$	41,623	$	36,339	$	22,340	$	66,574	$	2,538	$	263,781
Special mention		—		—		—		—		—		262		—		262
Substandard		—		587		2,872		—		2,815		1,306		—		7,580
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	39,030	$	55,924	$	44,495	$	36,339	$	25,155	$	68,142	$	2,538	$	271,623
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Agricultural − Land
Pass	$	6,424	$	15,294	$	4,721	$	5,958	$	672	$	7,763	$	—	$	40,832
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	6,424	$	15,294	$	4,721	$	5,958	$	672	$	7,763	$	—	$	40,832
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Agricultural − Production
Pass	$	7,890	$	5,858	$	854	$	1,904	$	2,744	$	174	$	16,717	$	36,141
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Subtotal	$	7,890	$	5,858	$	854	$	1,904	$	2,744	$	174	$	16,717	$	36,141
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential real estate − First lien
Performing	$	61,201	$	190,749	$	217,146	$	108,100	$	33,102	$	87,213	$	284	$	697,795
Nonperforming		—		—		—		—		—		105		—		105
Subtotal	$	61,201	$	190,749	$	217,146	$	108,100	$	33,102	$	87,318	$	284	$	697,900
Gross charge-offs for the period ended	$	—	$	—	$	9	$	—	$	—	$	—	$	—	$	9
Residential real estate − Construction
Performing	$	10,978	$	16,428	$	1,573	$	—	$	—	$	—	$	—	$	28,979
Nonperforming		—		—		—		—		—		—		—		—
Subtotal	$	10,978	$	16,428	$	1,573	$	—	$	—	$	—	$	—	$	28,979
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential real estate − HELOC
Performing	$	7,470	$	6,835	$	789	$	1,184	$	308	$	1,341	$	100,388	$	118,315
Nonperforming		—		—		—		—		—		—		—		—
Subtotal	$	7,470	$	6,835	$	789	$	1,184	$	308	$	1,341	$	100,388	$	118,315
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	40	$	—	$	40
Residential real estate − Junior lien
Performing	$	10,938	$	8,820	$	5,157	$	3,673	$	1,461	$	3,939	$	50	$	34,038
Nonperforming		—		—		—		—		—		—		1,781		1,781
Subtotal	$	10,938	$	8,820	$	5,157	$	3,673	$	1,461	$	3,939	$	1,831	$	35,819
Gross charge-offs for the period ended	$	—	$	—	$	—	$	—	$	—	$	77	$	—	$	77
Other consumer
Performing	$	5,320	$	6,395	$	980	$	4,489	$	1,554	$	952	$	9,613	$	29,303
Nonperforming		—		—		—		—		—		—		—		—
Subtotal	$	5,320	$	6,395	$	980	$	4,489	$	1,554	$	952	$	9,613	$	29,303
Gross charge-offs for the period ended	$	4	$	2	$	—	$	31	$	6	$	8	$	—	$	51
Total loans	$	596,067	$	667,909	$	452,797	$	341,964	$	191,674	$	273,541	$	235,631	$	2,759,583
Gross charge-offs for the period ended	$	43	$	2	$	58	$	42	$	253	$	215	$	—	$	613

Financing Receivable, Past Due [Table Text Block]

	September 30, 2024
							90 Days
	Accruing		30 - 59 Days		60 - 89 Days		or More				Total
(dollars in thousands)	Current		Past Due		Past Due		Past Due		Nonaccrual		Loans
Commercial
Commercial and industrial	$	600,976	$	1,807	$	397	$	—	$	3,065	$	606,245
Commercial real estate
Construction, land and development		148,624		—		—		—		25,005		173,629
Multifamily		275,377		—		—		—		—		275,377
Non-owner occupied		677,266		3,588		—		—		5,217		686,071
Owner occupied		293,851		3		—		—		2,512		296,366
Total commercial real estate		1,395,118		3,591		—		—		32,734		1,431,443
Agricultural
Land		45,821		—		—		—		—		45,821
Production		39,366		—		—		—		70		39,436
Total agricultural		85,187		—		—		—		70		85,257
Total commercial		2,081,281		5,398		397		—		35,869		2,122,945
Consumer
Residential real estate
First lien		687,874		151		478		—		1,948		690,451
Construction		7,128		—		—		—		4,680		11,808
HELOC		132,077		655		81		—		1,488		134,301
Junior lien		32,653		17		24		—		3,751		36,445
Total residential real estate		859,732		823		583		—		11,867		873,005
Other consumer		36,007		88		8		—		290		36,393
Total consumer		895,739		911		591		—		12,157		909,398
Total	$	2,977,020	$	6,309	$	988	$	—	$	48,026	$	3,032,343

	December 31, 2023
							90 Days
	Accruing		30 - 59 Days		60 - 89 Days		or More				Total
(dollars in thousands)	Current		Past Due		Past Due		Past Due		Nonaccrual		Loans
Commercial
Commercial and industrial	$	554,602	$	844	$	—	$	139	$	6,595	$	562,180
Commercial real estate
Construction, land and development		124,034		—		—		—		—		124,034
Multifamily		245,103		—		—		—		—		245,103
Non-owner occupied		569,267		87		—		—		—		569,354
Owner occupied		270,467		41		—		—		1,115		271,623
Total commercial real estate		1,208,871		128		—		—		1,115		1,210,114
Agricultural
Land		40,832		—		—		—		—		40,832
Production		36,061		80		—		—		—		36,141
Total agricultural		76,893		80		—		—		—		76,973
Total commercial		1,840,366		1,052		—		139		7,710		1,849,267
Consumer
Residential real estate
First lien		695,807		901		554		—		638		697,900
Construction		28,979		—		—		—		—		28,979
HELOC		117,540		597		—		—		178		118,315
Junior lien		35,680		69		—		—		70		35,819
Total residential real estate		878,006		1,567		554		—		886		881,013
Other consumer		29,086		170		47		—		—		29,303
Total consumer		907,092		1,737		601		—		886		910,316
Total	$	2,747,458	$	2,789	$	601	$	139	$	8,596	$	2,759,583

Financing Receivable, Nonaccrual [Table Text Block]

	As of September 30, 2024
					90 Days
	Nonaccrual				or More
	with no Allowance				Past Due
(dollars in thousands)	for Credit Losses		Nonaccrual		and Accruing
Commercial
Commercial and industrial	$	2,790	$	3,065	$	—
Commercial real estate
Construction, land and development		—		25,005		—
Multifamily		—		—		—
Non-owner occupied		5,217		5,217		—
Owner occupied		1,781		2,512		—
Total commercial real estate		6,998		32,734		—
Agricultural
Land		—		—		—
Production		70		70		—
Total agricultural		70		70		—
Total commercial		9,858		35,869		—
Consumer
Residential real estate
First lien		1,941		1,948		—
Construction		4,680		4,680		—
HELOC		138		1,488		—
Junior lien		1,894		3,751		—
Total residential real estate		8,653		11,867		—
Other consumer		—		290		—
Total consumer		8,653		12,157		—
Total	$	18,511	$	48,026	$	—

	December 31, 2023
					90 Days
	Nonaccrual				or More
	with no Allowance				Past Due
(dollars in thousands)	for Credit Losses		Nonaccrual		and Accruing
Commercial
Commercial and industrial	$	79	$	6,595	$	139
Commercial real estate
Construction, land and development		—		—		—
Multifamily		—		—		—
Non-owner occupied		—		—		—
Owner occupied		95		1,115		—
Total commercial real estate		95		1,115		—
Agricultural
Land		—		—		—
Production		—		—		—
Total agricultural		—		—		—
Total commercial		174		7,710		139
Consumer
Residential real estate
First lien		632		638		—
Construction		—		—		—
HELOC		115		178		—
Junior lien		70		70		—
Total residential real estate		817		886		—
Other consumer		—		—		—
Total consumer		817		886		—
Total	$	991	$	8,596	$	139

Schedule of Financial Instruments Owned and Pledged as Collateral [Table Text Block]

	As of September 30, 2024
	Primary Type of Collateral
									Allowance for
(dollars in thousands)	Real estate		Equipment		Other		Total		Credit Losses
Commercial
Commercial and industrial	$	2,790	$	76	$	—	$	2,866	$	76
Commercial real estate
Construction, land and development		25,005		—		—		25,005		4,984
Multifamily		—		—		—		—		—
Non-owner occupied		5,217		—		—		5,217		—
Owner occupied		864		—		—		864		298
Total commercial real estate		31,086		—		—		31,086		5,282
Agricultural
Land		—		—		—		—		—
Production		—		70		—		70		—
Total agricultural		—		70		—		70		—
Total commercial		33,876		146		—		34,022		5,358
Consumer
Residential real estate
First lien		1,948		—		—		1,948		3
Construction		4,680		—		—		4,680		—
HELOC		1,529		—		—		1,529		54
Junior lien		3,745		—		—		3,745		825
Total residential real estate		11,902		—		—		11,902		882
Other consumer		—		—		280		280		47
Total consumer		11,902		—		280		12,182		929
Total	$	45,778	$	146	$	280	$	46,204	$	6,287

	As of December 31, 2023
	Primary Type of Collateral
									Allowance for
(dollars in thousands)	Real estate		Equipment		Other		Total		Credit Losses
Commercial
Commercial and industrial	$	6,124	$	—	$	—	$	6,124	$	2,384
Commercial real estate
Construction, land and development		—		—		—		—		—
Multifamily		—				—		—		—
Non-owner occupied		—				—		—		—
Owner occupied		695				96		791		601
Total commercial real estate		695		—		96		791		601
Agricultural
Land		—		—		—		—		—
Production		—		—		—		—		—
Total agricultural		—		—		—		—		—
Total commercial		6,819		—		96		6,915		2,985
Consumer
Residential real estate
First lien		638		—		—		638		3
Construction		—				—		—		—
HELOC		64		22		—		86		—
Junior lien		70		—		93		163		6
Total residential real estate		772		22		93		887		9
Other consumer		—		—		—		—		—
Total consumer		772		22		93		887		9
Total	$	7,591	$	22	$	189	$	7,802	$	2,994