XML 53 R37.htm IDEA: XBRL DOCUMENT v3.25.2
Loans and Allowance for Credit Losses (Tables)
12 Months Ended
Jun. 30, 2025
Loans and Allowance for Credit Losses  
Schedule of classes of loans

(dollars in thousands)

    

June 30, 2025

    

June 30, 2024

1-4 Family residential real estate

$

992,445

$

925,397

Non-owner occupied commercial real estate

 

888,317

 

899,770

Owner occupied commercial real estate

 

442,984

 

427,476

Multi-family real estate

 

422,758

 

384,564

Construction and land development

332,405

290,541

Agriculture real estate

 

244,983

 

232,520

Total loans secured by real estate

 

3,323,892

 

3,160,268

Commercial and industrial

510,259

450,147

Agriculture production

206,128

175,968

Consumer

55,387

59,671

All other loans

5,102

3,981

Gross loans

 

4,100,768

 

3,850,035

Deferred loan fees, net

 

(178)

 

(232)

Allowance for credit losses

 

(51,629)

 

(52,516)

Net loans

$

4,048,961

$

3,797,287

Schedule of PCD loans

(dollars in thousands)

    

January 20, 2023

PCD Loans – Citizens

Purchase price of PCD loans at acquisition

$

27,481

ACL at acquisition

 

(1,121)

Fair value of PCD loans at acquisition

$

26,360

Schedule of balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment methods

 

Balance

 

Provision

 

Balance

(dollars in thousands)

beginning

Initial ACL

(benefit) charged

Losses

end

June 30, 2025

    

of period

    

on PCD loans

    

to expense

    

charged off

    

Recoveries

    

of period

Allowance for credit losses on loans:

1-4 Family residential real estate

$

10,528

$

$

(211)

$

(89)

$

46

$

10,274

Non-owner occupied commercial real estate

19,055

(3,014)

(3,800)

12,241

Owner occupied commercial real estate

4,815

(172)

(122)

4,521

Multi-family real estate

5,447

(1,165)

47

4,329

Construction and land development

2,901

1,888

(1)

4,788

Agriculture real estate

2,107

2,087

4,194

Commercial and industrial

6,233

2,160

(1,508)

67

6,952

Agriculture production

835

3,589

(1,052)

2

3,374

Consumer

578

698

(411)

87

952

All other loans

17

(13)

4

Total

$

52,516

$

$

5,847

$

(6,983)

$

249

$

51,629

Balance

 

Provision

 

Balance

(dollars in thousands)

beginning

Initial ACL

(benefit) charged

Losses

end

June 30, 2024

    

of period

    

on PCD loans

    

to expense

    

charged off

    

Recoveries

    

of period

Allowance for credit losses on loans:

1-4 Family residential real estate

$

9,474

$

$

1,067

$

(46)

$

33

$

10,528

Non-owner occupied commercial real estate

13,863

5,688

(496)

19,055

Owner occupied commercial real estate

5,168

(353)

4,815

Multi-family real estate

6,806

(880)

(479)

5,447

Construction and land development

3,414

(242)

(289)

18

2,901

Agriculture real estate

2,567

(460)

2,107

Commercial and industrial

5,235

1,356

(395)

37

6,233

Agriculture production

782

53

835

Consumer

490

400

(350)

38

578

All other loans

21

(4)

17

Total

$

47,820

$

$

6,625

$

(2,055)

$

126

$

52,516

 

Balance

 

Provision

 

Balance

(dollars in thousands)

beginning

Initial ACL

(benefit) charged

Losses

end

June 30, 2023

    

of period

    

on PCD loans

    

to expense

    

charged off

    

Recoveries

    

of period

Allowance for credit losses on loans:

1-4 Family residential real estate

$

7,266

$

261

$

2,044

$

(98)

$

1

$

9,474

Non-owner occupied commercial real estate

11,101

44

2,718

13,863

Owner occupied commercial real estate

2,555

584

2,274

(245)

5,168

Multi-family real estate

2,057

4,749

6,806

Construction and land development

3,256

12

134

12

3,414

Agriculture real estate

2,145

422

2,567

Commercial and industrial

3,597

214

1,492

(76)

8

5,235

Agriculture production

799

(11)

(6)

782

Consumer

402

6

302

(248)

28

490

All other loans

14

7

21

Total

$

33,192

$

1,121

$

14,131

$

(673)

$

49

$

47,820

Schedule of allowance for off-balance credit exposure

 

Balance

Provision

 

Balance

(dollars in thousands)

beginning

(benefit) charged

end

June 30, 2025

    

of period

    

to expense

    

of period

Allowance for off-balance sheet credit exposure:

1-4 Family residential real estate

$

140

$

62

$

202

Non-owner occupied commercial real estate

153

(19)

134

Owner occupied commercial real estate

136

25

161

Multi-family real estate

31

(31)

Construction and land development

1,912

367

2,279

Agriculture real estate

60

21

81

Commercial and industrial

782

292

1,074

Agriculture production

37

(37)

Consumer

12

(12)

All other loans

8

8

Total

$

3,263

$

676

$

3,939

 

Balance

Provision

 

Balance

(dollars in thousands)

beginning

(benefit) charged

end

June 30, 2024

    

of period

    

to expense

    

of period

Allowance for off-balance sheet credit exposure:

1-4 Family residential real estate

$

126

$

14

$

140

Non-owner occupied commercial real estate

154

(1)

153

Owner occupied commercial real estate

182

(46)

136

Multi-family real estate

16

15

31

Construction and land development

4,897

(2,985)

1,912

Agriculture real estate

50

10

60

Commercial and industrial

730

52

782

Agriculture production

107

(70)

37

Consumer

16

(4)

12

All other loans

10

(10)

Total

$

6,288

$

(3,025)

$

3,263

 

Balance

Provision

 

Balance

(dollars in thousands)

beginning

(benefit) charged

end

June 30, 2023

    

of period

    

to expense

    

of period

Allowance for off-balance sheet credit exposure:

1-4 Family residential real estate

$

107

$

19

$

126

Non-owner occupied commercial real estate

202

(48)

154

Owner occupied commercial real estate

78

104

182

Multi-family real estate

15

1

16

Construction and land development

2,243

2,654

4,897

Agriculture real estate

73

(23)

50

Commercial and industrial

420

310

730

Agriculture production

218

(111)

107

Consumer

2

14

16

All other loans

10

10

Total

$

3,358

$

2,930

$

6,288

Schedule of Gross charge-offs by loan class and year of origination

Revolving

(dollars in thousands)

    

2025

    

2024

    

2023

    

2022

    

2021

    

Prior

    

loans

    

Total

June 30, 2025

1-4 Family residential real estate

$

$

$

$

$

$

89

$

$

89

Non-owner occupied commercial real estate

 

 

 

 

3,800

 

 

 

 

3,800

Owner occupied commercial real estate

 

 

 

122

 

 

 

 

 

122

Construction and land development

 

 

 

 

 

1

 

 

 

1

Commercial and industrial

 

25

 

505

 

212

 

507

 

217

 

42

 

 

1,508

Agriculture production

 

 

1,052

 

 

 

 

 

 

1,052

Consumer

 

131

 

131

 

84

 

41

 

7

 

17

 

 

411

Total gross charge-offs

$

156

$

1,688

$

418

$

4,348

$

225

$

148

$

$

6,983

Revolving

(dollars in thousands)

    

2024

    

2023

    

2022

    

2021

    

2020

    

Prior

    

loans

    

Total

June 30, 2024

1-4 Family residential real estate

$

$

$

6

$

$

$

40

$

$

46

Non-owner occupied commercial real estate

 

 

496

 

 

 

 

 

 

496

Multi-family real estate

 

 

 

382

 

97

 

 

 

 

479

Construction and land development

 

 

100

 

78

 

111

 

 

 

 

289

Commercial and industrial

 

 

190

 

195

 

10

 

 

 

 

395

Consumer

 

38

 

162

 

100

 

41

 

 

9

 

 

350

Total gross charge-offs

$

38

$

948

$

761

$

259

$

$

49

$

$

2,055

Schedule of credit risk profile of the Company's loan portfolio based on rating category and payment activity

Revolving

(dollars in thousands)

    

2025

    

2024

    

2023

    

2022

    

2021

    

Prior

    

loans

    

Total

1-4 Family residential real estate

Pass

$

204,048

$

110,823

$

133,616

$

167,711

$

126,851

$

132,126

$

112,346

$

987,521

Watch

 

620

 

261

 

376

 

360

 

277

 

250

 

 

2,144

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

 

734

 

190

 

346

 

33

 

1,359

 

118

 

2,780

Doubtful

 

 

 

 

 

 

 

 

Total 1-4 Family residential real estate

$

204,668

$

111,818

$

134,182

$

168,417

$

127,161

$

133,735

$

112,464

$

992,445

Non-owner occupied commercial real estate

 

 

 

 

 

 

 

 

Pass

$

115,266

$

82,983

$

213,647

$

273,348

$

76,522

$

70,869

$

7,570

$

840,205

Watch

 

 

1,770

 

15,146

 

213

 

 

 

 

17,129

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

 

64

 

4,490

 

26,429

 

 

 

 

30,983

Doubtful

 

 

 

 

 

 

 

 

Total Non-owner occupied commercial real estate

$

115,266

$

84,817

$

233,283

$

299,990

$

76,522

$

70,869

$

7,570

$

888,317

Owner occupied commercial real estate

 

 

 

 

 

 

 

 

Pass

$

72,469

$

57,047

$

87,899

$

79,946

$

73,291

$

43,764

$

21,206

$

435,622

Watch

 

1,440

 

2,234

 

287

 

83

 

 

73

 

 

4,117

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

 

868

 

969

 

901

 

71

 

436

 

 

3,245

Doubtful

 

 

 

 

 

 

 

 

Total Owner occupied commercial real estate

$

73,909

$

60,149

$

89,155

$

80,930

$

73,362

$

44,273

$

21,206

$

442,984

Multi-family real estate

 

 

 

 

 

 

 

 

Pass

$

79,658

$

19,078

$

179,905

$

69,862

$

56,328

$

13,577

$

1,402

$

419,810

Watch

 

1,571

 

 

 

1,377

 

 

 

 

2,948

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

 

 

 

 

 

 

 

Doubtful

 

 

 

 

 

 

 

 

Total Multi-family real estate

$

81,229

$

19,078

$

179,905

$

71,239

$

56,328

$

13,577

$

1,402

$

422,758

Construction and land development

 

 

 

 

 

 

 

 

Pass

$

161,995

$

32,148

$

117,395

$

9,144

$

1,829

$

1,396

$

2,020

$

325,927

Watch

 

 

 

 

 

 

63

 

 

63

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

 

5,743

 

 

 

 

672

 

 

6,415

Doubtful

 

 

 

 

 

 

 

 

Total Construction and land development

$

161,995

$

37,891

$

117,395

$

9,144

$

1,829

$

2,131

$

2,020

$

332,405

Agriculture real estate

 

 

 

 

 

 

 

 

Pass

$

56,350

$

24,526

$

36,351

$

40,456

$

37,094

$

11,570

$

18,747

$

225,094

Watch

 

3,883

 

1,092

 

2,145

 

5,603

 

4,043

 

 

475

 

17,241

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

35

 

2,206

 

257

 

150

 

 

 

 

2,648

Doubtful

 

 

 

 

 

 

 

 

Total Agriculture real estate

$

60,268

$

27,824

$

38,753

$

46,209

$

41,137

$

11,570

$

19,222

$

244,983

Commercial and industrial

 

 

 

 

 

 

 

 

Pass

$

169,734

$

38,321

$

36,459

$

31,607

$

16,918

$

6,016

$

192,310

$

491,365

Watch

 

3,966

 

4,565

 

2,453

 

 

250

 

13

 

4,437

 

15,684

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

753

 

111

 

165

 

935

 

53

 

239

 

954

 

3,210

Doubtful

 

 

 

 

 

 

 

 

Total Commercial and industrial

$

174,453

$

42,997

$

39,077

$

32,542

$

17,221

$

6,268

$

197,701

$

510,259

Agriculture production

 

 

 

 

 

 

 

 

Pass

$

43,446

$

13,230

$

5,631

$

1,910

$

4,363

$

302

$

119,345

$

188,227

Watch

 

3,319

 

888

 

 

83

 

 

 

13,357

 

17,647

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

26

 

127

 

81

 

8

 

 

12

 

 

254

Doubtful

 

 

 

 

 

 

 

 

Total Agriculture production

$

46,791

$

14,245

$

5,712

$

2,001

$

4,363

$

314

$

132,702

$

206,128

Consumer

 

 

 

 

 

 

 

 

Pass

$

29,912

$

11,264

$

8,330

$

3,189

$

938

$

172

$

1,483

$

55,288

Watch

 

 

 

 

 

 

 

 

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

50

 

20

 

12

 

17

 

 

 

 

99

Doubtful

 

 

 

 

 

 

 

 

Total Consumer

$

29,962

$

11,284

$

8,342

$

3,206

$

938

$

172

$

1,483

$

55,387

All other loans

 

 

 

 

 

 

 

 

Pass

$

2,334

$

869

$

245

$

82

$

132

$

1,440

$

$

5,102

Watch

 

 

 

 

 

 

 

 

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

 

 

 

 

 

 

 

Doubtful

 

 

 

 

 

 

 

 

Total All other loans

$

2,334

$

869

$

245

$

82

$

132

$

1,440

$

$

5,102

Total Loans

 

 

 

 

 

 

 

 

Pass

$

935,212

$

390,289

$

819,478

$

677,255

$

394,266

$

281,232

$

476,429

$

3,974,161

Watch

 

14,799

 

10,810

 

20,407

 

7,719

 

4,570

 

399

 

18,269

 

76,973

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

864

 

9,873

 

6,164

 

28,786

 

157

 

2,718

 

1,072

 

49,634

Doubtful

 

 

 

 

 

 

 

 

Total

$

950,875

$

410,972

$

846,049

$

713,760

$

398,993

$

284,349

$

495,770

$

4,100,768

Revolving

(dollars in thousands)

    

2024

    

2023

    

2022

    

2021

    

2020

    

Prior

    

loans

    

Total

1-4 Family residential real estate

Pass

$

167,734

$

157,530

$

195,002

$

142,721

$

66,292

$

92,728

$

99,365

$

921,372

Watch

 

877

 

289

 

87

 

396

 

98

 

23

 

 

1,770

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

686

 

797

 

243

 

183

 

30

 

294

 

22

 

2,255

Doubtful

 

 

 

 

 

 

 

 

Total 1-4 Family residential real estate

$

169,297

$

158,616

$

195,332

$

143,300

$

66,420

$

93,045

$

99,387

$

925,397

Non-owner occupied commercial real estate

 

 

 

 

 

 

 

 

Pass

$

120,914

$

232,802

$

294,138

$

102,380

$

33,691

$

55,190

$

6,470

$

845,585

Watch

 

4,658

 

16,232

 

209

 

1,513

 

4,443

 

1,404

 

 

28,459

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

 

43

 

25,683

 

 

 

 

 

25,726

Doubtful

 

 

 

 

 

 

 

 

Total Non-owner occupied commercial real estate

$

125,572

$

249,077

$

320,030

$

103,893

$

38,134

$

56,594

$

6,470

$

899,770

Owner occupied commercial real estate

 

 

 

 

 

 

 

 

Pass

$

63,251

$

98,776

$

89,361

$

86,975

$

25,664

$

26,124

$

20,147

$

410,298

Watch

 

1,252

 

6,492

 

1,178

 

154

 

 

1,181

 

520

 

10,777

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

3,233

 

 

2,199

 

 

 

428

 

541

 

6,401

Doubtful

 

 

 

 

 

 

 

 

Total Owner occupied commercial real estate

$

67,736

$

105,268

$

92,738

$

87,129

$

25,664

$

27,733

$

21,208

$

427,476

Multi-family real estate

 

 

 

 

 

 

 

 

Pass

$

36,518

$

157,471

$

86,171

$

77,545

$

21,438

$

5,341

$

80

$

384,564

Watch

 

 

 

 

 

 

 

 

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

 

 

 

 

 

 

 

Doubtful

 

 

 

 

 

 

 

 

Total Multi-family real estate

$

36,518

$

157,471

$

86,171

$

77,545

$

21,438

$

5,341

$

80

$

384,564

Construction and land development

 

 

 

 

 

 

 

 

Pass

$

104,162

$

143,538

$

27,524

$

4,379

$

3,887

$

679

$

1,518

$

285,687

Watch

 

652

 

2,906

 

131

 

 

 

 

 

3,689

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

1,129

 

36

 

 

 

 

 

 

1,165

Doubtful

 

 

 

 

 

 

 

 

Total Construction and land development

$

105,943

$

146,480

$

27,655

$

4,379

$

3,887

$

679

$

1,518

$

290,541

Agriculture real estate

 

 

 

 

 

 

 

 

Pass

$

39,491

$

46,387

$

56,407

$

49,334

$

9,947

$

9,238

$

18,003

$

228,807

Watch

 

281

 

100

 

197

 

 

259

 

 

 

837

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

2,265

 

281

 

 

283

 

 

 

47

 

2,876

Doubtful

 

 

 

 

 

 

 

 

Total Agriculture real estate

$

42,037

$

46,768

$

56,604

$

49,617

$

10,206

$

9,238

$

18,050

$

232,520

Commercial and industrial

 

 

 

 

 

 

 

 

Pass

$

116,173

$

60,404

$

43,205

$

43,879

$

3,145

$

4,863

$

174,181

$

445,850

Watch

 

1,031

 

250

 

43

 

 

 

228

 

404

 

1,956

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

272

 

275

 

859

 

 

116

 

769

 

50

 

2,341

Doubtful

 

 

 

 

 

 

 

 

Total Commercial and industrial

$

117,476

$

60,929

$

44,107

$

43,879

$

3,261

$

5,860

$

174,635

$

450,147

Agriculture production

 

 

 

 

 

 

 

 

Pass

$

40,980

$

11,288

$

4,115

$

6,159

$

1,965

$

229

$

110,396

$

175,132

Watch

 

170

 

37

 

204

 

 

 

127

 

217

 

755

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

5

 

23

 

9

 

17

 

 

27

 

 

81

Doubtful

 

 

 

 

 

 

 

 

Total Agriculture production

$

41,155

$

11,348

$

4,328

$

6,176

$

1,965

$

383

$

110,613

$

175,968

Consumer

 

 

 

 

 

 

 

 

Pass

$

30,317

$

17,318

$

6,547

$

2,268

$

467

$

54

$

2,683

$

59,654

Watch

 

 

 

 

 

 

 

 

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

 

3

 

11

 

3

 

 

 

 

17

Doubtful

 

 

 

 

 

 

 

 

Total Consumer

$

30,317

$

17,321

$

6,558

$

2,271

$

467

$

54

$

2,683

$

59,671

All other loans

 

 

 

 

 

 

 

 

Pass

$

1,139

$

644

$

122

$

217

$

43

$

1,816

$

$

3,981

Watch

 

 

 

 

 

 

 

 

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

 

 

 

 

 

 

 

Doubtful

 

 

 

 

 

 

 

 

Total All other loans

$

1,139

$

644

$

122

$

217

$

43

$

1,816

$

$

3,981

Total Loans

 

 

 

 

 

 

 

 

Pass

$

720,679

$

926,158

$

802,592

$

515,857

$

166,539

$

196,262

$

432,843

$

3,760,930

Watch

 

8,921

 

26,306

 

2,049

 

2,063

 

4,800

 

2,963

 

1,141

 

48,243

Special Mention

 

 

 

 

 

 

 

 

Substandard

 

7,590

 

1,458

 

29,004

 

486

 

146

 

1,518

 

660

 

40,862

Doubtful

 

 

 

 

 

 

 

 

Total

$

737,190

$

953,922

$

833,645

$

518,406

$

171,485

$

200,743

$

434,644

$

3,850,035

Schedule of company's loan portfolio aging analysis

Greater Than

Greater Than 90

30-59 Days

60-89 Days

90 Days

Total

Total Loans

Days Past Due

(dollars in thousands)

    

Past Due

    

Past Due

    

Past Due

    

Past Due

    

Current

    

Receivable

    

and Accruing

June 30, 2025

1-4 Family residential real estate

$

1,317

$

1,973

$

2,442

$

5,732

$

986,713

$

992,445

$

Non-owner occupied commercial real estate

 

62

 

 

5,784

 

5,846

 

882,471

 

888,317

 

Owner occupied commercial real estate

 

 

116

 

989

 

1,105

 

441,879

 

442,984

 

Multi-family real estate

 

 

 

 

 

422,758

 

422,758

 

Construction and land development

 

315

 

12

 

5,743

 

6,070

 

326,335

 

332,405

 

Agriculture real estate

 

178

 

11

 

2,613

 

2,802

 

242,181

 

244,983

 

Commercial and industrial

 

1,055

 

219

 

1,837

 

3,111

 

507,148

 

510,259

 

Agriculture production

 

163

 

164

 

78

 

405

 

205,723

 

206,128

 

Consumer

 

380

 

98

 

74

 

552

 

54,835

 

55,387

 

All other loans

 

 

 

 

 

5,102

 

5,102

 

Total loans

$

3,470

$

2,593

$

19,560

$

25,623

$

4,075,145

$

4,100,768

$

Greater Than

Greater Than 90

30-59 Days

60-89 Days

90 Days

Total

Total Loans

Days Past Due

(dollars in thousands)

    

Past Due

    

Past Due

    

Past Due

    

Past Due

    

Current

    

Receivable

    

and Accruing

June 30, 2024

 

  

 

  

 

  

 

  

 

  

 

  

 

  

1-4 Family residential real estate

$

890

$

2,087

$

664

$

3,641

$

921,756

$

925,397

$

Non-owner occupied commercial real estate

 

107

 

 

 

107

 

899,663

 

899,770

 

Owner occupied commercial real estate

 

305

 

 

1,060

 

1,365

 

426,111

 

427,476

 

Multi-family real estate

 

 

 

 

 

384,564

 

384,564

 

Construction and land development

 

251

 

377

 

 

628

 

289,913

 

290,541

 

Agriculture real estate

 

573

 

 

35

 

608

 

231,912

 

232,520

 

Commercial and industrial

 

641

 

83

 

1,335

 

2,059

 

448,088

 

450,147

 

Agriculture production

 

50

 

 

344

 

394

 

175,574

 

175,968

 

Consumer

 

311

 

74

 

14

 

399

 

59,272

 

59,671

 

All other loans

 

 

 

 

 

3,981

 

3,981

 

Total loans

$

3,128

$

2,621

$

3,452

$

9,201

$

3,840,834

$

3,850,035

$

Schedule of company's collateral dependent loans and related ACL

Allowance on

(dollars in thousands)

Primary Type of Collateral

Collateral

June 30, 2025

Real Estate

Land

Other

Total

Dependent Loans

 

  

 

  

 

  

 

  

 

  

1-4 Family residential real estate

 

$

752

$

$

$

752

$

117

Non-owner occupied commercial real estate

31,764

31,764

6,456

Owner occupied commercial real estate

811

541

1,352

290

Construction and land development

5,743

661

6,404

161

Agriculture real estate

1,695

1,695

Commercial and industrial

494

3,128

3,622

1,129

Total loans

$

41,259

$

661

$

3,669

$

45,589

$

8,153

Allowance on

(dollars in thousands)

Primary Type of Collateral

Collateral

June 30, 2024

Real Estate

Land

Other

Total

Dependent Loans

 

  

 

  

 

  

 

  

 

  

1-4 Family residential real estate

 

$

797

$

$

$

797

$

116

Non-owner occupied commercial real estate

23,457

23,457

10,175

Commercial and industrial

2,705

2,705

635

Total loans

$

24,254

$

$

2,705

$

26,959

$

10,926

Schedule of company's nonaccrual loans

    

    

(dollars in thousands)

June 30, 2025

June 30, 2024

1-4 Family residential real estate

$

2,847

$

1,391

Non-owner occupied commercial real estate

 

5,784

 

Owner occupied commercial real estate

 

1,309

 

1,102

Construction and land development

 

5,789

 

108

Agriculture real estate

 

3,268

 

1,896

Commercial and industrial

 

3,442

 

1,703

Agriculture production

 

505

 

461

Consumer

 

96

 

19

Total loans

$

23,040

$

6,680

Schedule of performing loans classified as modifications to borrowers experiencing financial difficulty

June 30, 2025

Term

Interest

Total Class of

    

Principal

Payment

Extension

Rate

Financing

    

Forgiveness

    

Delays

    

Modifications

    

Reduction

    

Receivable

(dollars in thousands)

1-4 Family residential real estate

$

$

$

24

$

0.00

%  

Non-owner occupied commercial real estate

 

 

22,270

 

 

2.51

%  

Owner occupied commercial real estate

 

 

 

 

2,701

0.61

%  

Multi-family real estate

 

 

 

 

%  

Construction and land development

 

 

 

 

661

0.20

%  

Agriculture real estate

 

 

 

 

%  

Commercial and industrial

 

 

54

 

 

0.01

%  

Agriculture production

 

 

 

 

%  

Consumer

 

 

 

 

%  

All other loans

 

 

 

 

%  

Total

$

$

22,324

$

24

$

3,362

0.63

%  

June 30, 2024

Term

Interest

Total Class of

    

Principal

Payment

Extension

Rate

Financing

    

Forgiveness

    

Delays

    

Modifications

    

Reduction

    

Receivable

(dollars in thousands)

1-4 Family residential real estate

$

$

$

$

%  

Non-owner occupied commercial real estate

 

 

 

 

%  

Owner occupied commercial real estate

 

 

 

 

%  

Multi-family real estate

 

 

 

 

%  

Construction and land development

 

 

 

 

%  

Agriculture real estate

 

 

 

 

%  

Commercial and industrial

 

 

859

 

 

0.19

%  

Agriculture production

 

 

 

 

%  

Consumer

 

 

 

 

%  

All other loans

 

 

 

 

%  

Total

$

$

859

$

$

0.02

%  

Schedule of loans to executive officers, directors, significant shareholders and their affiliates held by the Company

June 30, 

(dollars in thousands)

    

2025

    

2024

Beginning Balance

 

$

11,101

$

10,547

Additions

 

 

8,816

 

6,465

Repayments

 

 

(7,228)

 

(5,911)

Change in related party

 

 

1,688

 

Ending Balance

 

$

14,377

$

11,101