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Loans Held for Investment and Allowance for Credit Losses on Loans (Tables) | 9 Months Ended
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Sep. 30, 2023
Receivables [Abstract] |
Summary of Loans Held for Investment by Portfolio Segment | Loans held for investment are summarized by portfolio segment as follows:
| September 30, 2023 |  |  | December 31, 2022 |
| (Dollars in thousands) |
Real estate: |  |  |  |  |
Commercial real estate owner occupied |  | 960,868 |  |  |  | 908,494 |
Commercial real estate non-owner occupied |  | 1,443,831 |  |  |  | 1,383,150 |
Construction and development < 60 months |  | 575,652 |  |  |  | 475,236 |
Construction residential real estate < 60 months |  | 274,311 |  |  |  | 303,305 |
Residential real estate first lien |  | 1,216,508 |  |  |  | 1,117,899 |
Residential real estate all other |  | 230,397 |  |  |  | 196,198 |
Agriculture |  | 425,930 |  |  |  | 408,037 |
Commercial non-real estate |  | 1,296,796 |  |  |  | 1,241,454 |
Consumer non-real estate |  | 475,721 |  |  |  | 446,756 |
Oil and gas |  | 572,608 |  |  |  | 463,034 |
Total (1) | $ | 7,472,622 |  |  | $ | 6,943,563 |
(1) Excludes accrued interest receivable of $37.8 million at September 30, 2023 and $30.6 million at December 31, 2022, that is recorded in accrued interest receivable and other assets. |
Summary of Other Real Estate Owned and Repossessed Assets | The following is a summary of other real estate owned and repossessed assets:
|  | September 30, 2023 |  |  | December 31, 2022 |
|  | (Dollars in thousands) |
Other real estate owned and repossessed assets |  | $ | 42,782 |  |  | $ | 36,936 |
Summary of Rental Income and Operating Expenses | This property had the following rental income and operating expenses for the periods presented.
|  | Three Months Ended September 30, |  |  | Nine Months Ended September 30, |
|  | 2023 |  |  | 2022 |  |  | 2023 |  |  | 2022 |
|  | (Dollars in thousands) |
Rental income |  | $ | 2,911 |  |  | $ | 2,437 |  |  | $ | 8,379 |  |  | $ | 7,750 |
Operating expense |  |  | 2,690 |  |  |  | 2,381 |  |  |  | 8,038 |  |  |  | 7,120 |
Summary of Amounts Included in Nonaccrual Loans Segregated by Portfolio Segment | The following table is a summary of amounts included in nonaccrual loans, segregated by portfolio segment.
|  | September 30, 2023 |  |  | December 31, 2022 |
|  | (Dollars in thousands) |
Real estate: |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 2,082 |  |  | $ | 1,795 |
Commercial real estate non-owner occupied |  |  | 674 |  |  |  | 667 |
Construction and development < 60 months |  |  | 802 |  |  |  | 93 |
Construction residential real estate < 60 months |  |  | 366 |  |  |  | 430 |
Residential real estate first lien |  |  | 2,734 |  |  |  | 1,947 |
Residential real estate all other |  |  | 833 |  |  |  | 55 |
Agriculture |  |  | 2,305 |  |  |  | 2,734 |
Commercial non-real estate |  |  | 6,465 |  |  |  | 7,066 |
Consumer non-real estate |  |  | 332 |  |  |  | 192 |
Oil and gas |  |  | 83 |  |  |  | 320 |
Total |  | $ | 16,676 |  |  | $ | 15,299 |
Age Analysis of Loans Held for Investments | Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. The following table presents an age analysis of the Company's loans held for investment:
|  | Age Analysis of Past Due Loans |
(Dollars in thousands) |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days and Greater |  |  | Total Past Due Loans |  |  | Current Loans |  |  | Total Loans |  |  | Accruing Loans 90 Days or More Past Due |
As of September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 1,490 |  |  | $ | 671 |  |  | $ | 6,522 |  |  | $ | 8,683 |  |  | $ | 952,185 |  |  | $ | 960,868 |  |  | $ | 4,928 |
Commercial real estate non-owner occupied |  |  | — |  |  |  | 40 |  |  |  | 1,198 |  |  |  | 1,238 |  |  |  | 1,442,593 |  |  |  | 1,443,831 |  |  |  | 524 |
Construction and development < 60 months |  |  | 9,161 |  |  |  | — |  |  |  | 1,186 |  |  |  | 10,347 |  |  |  | 565,305 |  |  |  | 575,652 |  |  |  | 384 |
Construction residential real estate < 60 months |  |  | 424 |  |  |  | 97 |  |  |  | 543 |  |  |  | 1,064 |  |  |  | 273,247 |  |  |  | 274,311 |  |  |  | 543 |
Residential real estate first lien |  |  | 3,104 |  |  |  | 543 |  |  |  | 2,877 |  |  |  | 6,524 |  |  |  | 1,209,984 |  |  |  | 1,216,508 |  |  |  | 1,120 |
Residential real estate all other |  |  | 647 |  |  |  | 252 |  |  |  | 861 |  |  |  | 1,760 |  |  |  | 228,637 |  |  |  | 230,397 |  |  |  | 100 |
Agriculture |  |  | 3,413 |  |  |  | 380 |  |  |  | 3,925 |  |  |  | 7,718 |  |  |  | 418,212 |  |  |  | 425,930 |  |  |  | 3,166 |
Commercial non-real estate |  |  | 3,439 |  |  |  | 1,226 |  |  |  | 5,589 |  |  |  | 10,254 |  |  |  | 1,286,542 |  |  |  | 1,296,796 |  |  |  | 1,323 |
Consumer non-real estate |  |  | 2,322 |  |  |  | 635 |  |  |  | 462 |  |  |  | 3,419 |  |  |  | 472,302 |  |  |  | 475,721 |  |  |  | 353 |
Oil and gas |  |  | 115 |  |  |  | — |  |  |  | 217 |  |  |  | 332 |  |  |  | 572,276 |  |  |  | 572,608 |  |  |  | 134 |
Total |  | $ | 24,115 |  |  | $ | 3,844 |  |  | $ | 23,380 |  |  | $ | 51,339 |  |  | $ | 7,421,283 |  |  | $ | 7,472,622 |  |  | $ | 12,575 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days and Greater |  |  | Total Past Due Loans |  |  | Current Loans |  |  | Total Loans |  |  | Accruing Loans 90 Days or More Past Due |
As of December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 1,314 |  |  | $ | 1,524 |  |  | $ | 4,580 |  |  | $ | 7,418 |  |  | $ | 901,076 |  |  | $ | 908,494 |  |  | $ | 4,580 |
Commercial real estate non-owner occupied |  |  | 6,237 |  |  |  | — |  |  |  | 42 |  |  |  | 6,279 |  |  |  | 1,376,871 |  |  |  | 1,383,150 |  |  |  | 43 |
Construction and development < 60 months |  |  | 535 |  |  |  | 40 |  |  |  | 114 |  |  |  | 689 |  |  |  | 474,547 |  |  |  | 475,236 |  |  |  | 81 |
Construction residential real estate < 60 months |  |  | 1,320 |  |  |  | 282 |  |  |  | 148 |  |  |  | 1,750 |  |  |  | 301,555 |  |  |  | 303,305 |  |  |  | — |
Residential real estate first lien |  |  | 3,415 |  |  |  | 1,076 |  |  |  | 844 |  |  |  | 5,335 |  |  |  | 1,112,564 |  |  |  | 1,117,899 |  |  |  | 349 |
Residential real estate all other |  |  | 265 |  |  |  | 37 |  |  |  | 185 |  |  |  | 487 |  |  |  | 195,711 |  |  |  | 196,198 |  |  |  | 166 |
Agriculture |  |  | 2,357 |  |  |  | 34 |  |  |  | 2,265 |  |  |  | 4,656 |  |  |  | 403,381 |  |  |  | 408,037 |  |  |  | 1,054 |
Commercial non-real estate |  |  | 2,490 |  |  |  | 2,142 |  |  |  | 2,772 |  |  |  | 7,404 |  |  |  | 1,234,050 |  |  |  | 1,241,454 |  |  |  | 345 |
Consumer non-real estate |  |  | 2,591 |  |  |  | 648 |  |  |  | 585 |  |  |  | 3,824 |  |  |  | 442,932 |  |  |  | 446,756 |  |  |  | 467 |
Oil and gas |  |  | 654 |  |  |  | — |  |  |  | — |  |  |  | 654 |  |  |  | 462,380 |  |  |  | 463,034 |  |  |  | — |
Total |  | $ | 21,178 |  |  | $ | 5,783 |  |  | $ | 11,535 |  |  | $ | 38,496 |  |  | $ | 6,905,067 |  |  | $ | 6,943,563 |  |  | $ | 7,085 |
Gross Loans Held for Investment by Year of Origination and Internally Assigned Credit Grades | The following table summarizes the Company’s gross loans held for investment by year of origination and internally assigned credit grades:
|  | Term Loans Amortized Cost Basis by Origination Year |  |  | Revolving Loans |  |  |  |
(Dollars in thousands) |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Amortized Cost Basis |  |  | Total |
As of September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | $ | 99,990 |  |  | $ | 155,460 |  |  | $ | 120,444 |  |  | $ | 87,838 |  |  | $ | 82,081 |  |  | $ | 139,298 |  |  | $ | 23,622 |  |  | $ | 708,733 |
Grade 2 |  |  | 29,812 |  |  |  | 57,975 |  |  |  | 37,289 |  |  |  | 23,581 |  |  |  | 21,509 |  |  |  | 30,107 |  |  |  | 34,361 |  |  |  | 234,634 |
Grade 3 |  |  | 142 |  |  |  | 3,582 |  |  |  | 4,304 |  |  |  | 652 |  |  |  | 1,899 |  |  |  | 1,075 |  |  |  | 2,437 |  |  |  | 14,091 |
Grade 4 |  |  | 27 |  |  |  | 159 |  |  |  | 200 |  |  |  | 850 |  |  |  | 665 |  |  |  | 1,020 |  |  |  | 150 |  |  |  | 3,071 |
Grade 5 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 339 |  |  |  | — |  |  |  | — |  |  |  | 339 |
Total commercial real estate owner occupied |  |  | 129,971 |  |  |  | 217,176 |  |  |  | 162,237 |  |  |  | 112,921 |  |  |  | 106,493 |  |  |  | 171,500 |  |  |  | 60,570 |  |  |  | 960,868 |
Commercial real estate non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | $ | 160,303 |  |  | $ | 255,862 |  |  | $ | 176,995 |  |  | $ | 122,636 |  |  | $ | 59,973 |  |  | $ | 72,918 |  |  | $ | 47,780 |  |  | $ | 896,467 |
Grade 2 |  |  | 74,860 |  |  |  | 155,293 |  |  |  | 81,452 |  |  |  | 53,753 |  |  |  | 62,989 |  |  |  | 73,789 |  |  |  | 28,722 |  |  |  | 530,858 |
Grade 3 |  |  | — |  |  |  | 6,736 |  |  |  | 1,717 |  |  |  | 149 |  |  |  | 6,207 |  |  |  | 299 |  |  |  | — |  |  |  | 15,108 |
Grade 4 |  |  | 200 |  |  |  | 632 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 566 |  |  |  | — |  |  |  | 1,398 |
Total commercial real estate non-owner occupied |  |  | 235,363 |  |  |  | 418,523 |  |  |  | 260,164 |  |  |  | 176,538 |  |  |  | 129,169 |  |  |  | 147,572 |  |  |  | 76,502 |  |  |  | 1,443,831 |
Construction and development < 60 months |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | $ | 91,548 |  |  | $ | 123,068 |  |  | $ | 73,070 |  |  | $ | 8,484 |  |  | $ | 6,842 |  |  | $ | 5,403 |  |  | $ | 61,474 |  |  | $ | 369,889 |
Grade 2 |  |  | 59,837 |  |  |  | 50,514 |  |  |  | 33,168 |  |  |  | 6,629 |  |  |  | 13,572 |  |  |  | 2,381 |  |  |  | 34,350 |  |  |  | 200,451 |
Grade 3 |  |  | 3,308 |  |  |  | 893 |  |  |  | 102 |  |  |  | 97 |  |  |  | — |  |  |  | 7 |  |  |  | — |  |  |  | 4,407 |
Grade 4 |  |  | — |  |  |  | 903 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 905 |
Total construction and development < 60 months |  |  | 154,693 |  |  |  | 175,378 |  |  |  | 106,340 |  |  |  | 15,210 |  |  |  | 20,414 |  |  |  | 7,793 |  |  |  | 95,824 |  |  |  | 575,652 |
Construction residential real estate < 60 months |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | $ | 136,871 |  |  | $ | 36,431 |  |  | $ | 1,441 |  |  | $ | 102 |  |  | $ | 2 |  |  | $ | 37 |  |  | $ | 37,179 |  |  | $ | 212,063 |
Grade 2 |  |  | 44,707 |  |  |  | 9,530 |  |  |  | 32 |  |  |  | 22 |  |  |  | — |  |  |  | 382 |  |  |  | 549 |  |  |  | 55,222 |
Grade 3 |  |  | 5,730 |  |  |  | 387 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,117 |
Grade 4 |  |  | 366 |  |  |  | 543 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 909 |
Total construction residential real estate < 60 months |  |  | 187,674 |  |  |  | 46,891 |  |  |  | 1,473 |  |  |  | 124 |  |  |  | 2 |  |  |  | 419 |  |  |  | 37,728 |  |  |  | 274,311 |
Residential real estate first lien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | $ | 223,552 |  |  | $ | 238,614 |  |  | $ | 177,122 |  |  | $ | 121,747 |  |  | $ | 74,016 |  |  | $ | 155,802 |  |  | $ | 2,918 |  |  | $ | 993,771 |
Grade 2 |  |  | 41,655 |  |  |  | 40,971 |  |  |  | 39,280 |  |  |  | 25,018 |  |  |  | 13,617 |  |  |  | 43,460 |  |  |  | — |  |  |  | 204,001 |
Grade 3 |  |  | 2,282 |  |  |  | 1,902 |  |  |  | 2,626 |  |  |  | 1,327 |  |  |  | 1,606 |  |  |  | 4,202 |  |  |  | — |  |  |  | 13,945 |
Grade 4 |  |  | 384 |  |  |  | 172 |  |  |  | 1,246 |  |  |  | 346 |  |  |  | 440 |  |  |  | 2,203 |  |  |  | — |  |  |  | 4,791 |
Total residential real estate first lien |  |  | 267,873 |  |  |  | 281,659 |  |  |  | 220,274 |  |  |  | 148,438 |  |  |  | 89,679 |  |  |  | 205,667 |  |  |  | 2,918 |  |  |  | 1,216,508 |
Residential real estate all other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | $ | 35,422 |  |  | $ | 27,339 |  |  | $ | 8,166 |  |  | $ | 8,242 |  |  | $ | 3,963 |  |  | $ | 13,045 |  |  | $ | 41,474 |  |  | $ | 137,651 |
Grade 2 |  |  | 2,828 |  |  |  | 5,088 |  |  |  | 2,210 |  |  |  | 1,958 |  |  |  | 1,546 |  |  |  | 3,272 |  |  |  | 71,527 |  |  |  | 88,429 |
Grade 3 |  |  | 416 |  |  |  | 353 |  |  |  | 74 |  |  |  | 42 |  |  |  | 41 |  |  |  | 440 |  |  |  | 1,925 |  |  |  | 3,291 |
Grade 4 |  |  | — |  |  |  | 24 |  |  |  | — |  |  |  | — |  |  |  | 95 |  |  |  | 45 |  |  |  | 862 |  |  |  | 1,026 |
Total residential real estate all other |  |  | 38,666 |  |  |  | 32,804 |  |  |  | 10,450 |  |  |  | 10,242 |  |  |  | 5,645 |  |  |  | 16,802 |  |  |  | 115,788 |  |  |  | 230,397 |
Agriculture |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | $ | 47,552 |  |  | $ | 55,420 |  |  | $ | 35,685 |  |  | $ | 29,284 |  |  | $ | 17,863 |  |  | $ | 33,652 |  |  | $ | 39,462 |  |  | $ | 258,918 |
Grade 2 |  |  | 28,366 |  |  |  | 24,237 |  |  |  | 19,989 |  |  |  | 10,303 |  |  |  | 9,369 |  |  |  | 17,304 |  |  |  | 35,554 |  |  |  | 145,122 |
Grade 3 |  |  | 8,891 |  |  |  | 856 |  |  |  | 854 |  |  |  | 3,433 |  |  |  | 323 |  |  |  | 2,696 |  |  |  | 2,896 |  |  |  | 19,949 |
Grade 4 |  |  | 41 |  |  |  | 901 |  |  |  | 217 |  |  |  | 134 |  |  |  | 384 |  |  |  | 244 |  |  |  | 20 |  |  |  | 1,941 |
Total Agriculture |  |  | 84,850 |  |  |  | 81,414 |  |  |  | 56,745 |  |  |  | 43,154 |  |  |  | 27,939 |  |  |  | 53,896 |  |  |  | 77,932 |  |  |  | 425,930 |
Commercial non-real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | $ | 204,828 |  |  | $ | 186,934 |  |  | $ | 167,915 |  |  | $ | 40,328 |  |  | $ | 39,003 |  |  | $ | 39,326 |  |  | $ | 281,116 |  |  | $ | 959,450 |
Grade 2 |  |  | 80,383 |  |  |  | 43,067 |  |  |  | 25,617 |  |  |  | 15,244 |  |  |  | 10,064 |  |  |  | 9,171 |  |  |  | 137,965 |  |  |  | 321,511 |
Grade 3 |  |  | 1,840 |  |  |  | 3,149 |  |  |  | 1,073 |  |  |  | 163 |  |  |  | 563 |  |  |  | 1,103 |  |  |  | 2,648 |  |  |  | 10,539 |
Grade 4 |  |  | 1,038 |  |  |  | 1,408 |  |  |  | 304 |  |  |  | 690 |  |  |  | 309 |  |  |  | 129 |  |  |  | 1,154 |  |  |  | 5,032 |
Grade 5 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 264 |  |  |  | — |  |  |  | — |  |  |  | 264 |
Total commercial non-real estate |  |  | 288,089 |  |  |  | 234,558 |  |  |  | 194,909 |  |  |  | 56,425 |  |  |  | 50,203 |  |  |  | 49,729 |  |  |  | 422,883 |  |  |  | 1,296,796 |
Consumer non-real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | $ | 175,483 |  |  | $ | 123,675 |  |  | $ | 64,280 |  |  | $ | 22,331 |  |  | $ | 10,804 |  |  | $ | 3,518 |  |  | $ | 24,688 |  |  | $ | 424,779 |
Grade 2 |  |  | 15,347 |  |  |  | 16,509 |  |  |  | 7,792 |  |  |  | 2,502 |  |  |  | 809 |  |  |  | 1,614 |  |  |  | 1,764 |  |  |  | 46,337 |
Grade 3 |  |  | 562 |  |  |  | 1,198 |  |  |  | 957 |  |  |  | 325 |  |  |  | 285 |  |  |  | 155 |  |  |  | 12 |  |  |  | 3,494 |
Grade 4 |  |  | 123 |  |  |  | 402 |  |  |  | 384 |  |  |  | 103 |  |  |  | 85 |  |  |  | 12 |  |  |  | 2 |  |  |  | 1,111 |
Total consumer non-real estate |  |  | 191,515 |  |  |  | 141,784 |  |  |  | 73,413 |  |  |  | 25,261 |  |  |  | 11,983 |  |  |  | 5,299 |  |  |  | 26,466 |  |  |  | 475,721 |
Oil and gas |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | $ | 157,820 |  |  | $ | 26,772 |  |  | $ | 52,090 |  |  | $ | 9,850 |  |  | $ | 1,630 |  |  | $ | 16,141 |  |  | $ | 170,256 |  |  | $ | 434,559 |
Grade 2 |  |  | 41,447 |  |  |  | 7,180 |  |  |  | 1,999 |  |  |  | 414 |  |  |  | 306 |  |  |  | 217 |  |  |  | 83,009 |  |  |  | 134,572 |
Grade 3 |  |  | 134 |  |  |  | 1,922 |  |  |  | 413 |  |  |  | 2 |  |  |  | 13 |  |  |  | 167 |  |  |  | 743 |  |  |  | 3,394 |
Grade 4 |  |  | — |  |  |  | 83 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 83 |
Total oil and gas |  |  | 199,401 |  |  |  | 35,957 |  |  |  | 54,502 |  |  |  | 10,266 |  |  |  | 1,949 |  |  |  | 16,525 |  |  |  | 254,008 |  |  |  | 572,608 |
Total loans held for investment |  | $ | 1,778,095 |  |  | $ | 1,666,144 |  |  | $ | 1,140,507 |  |  | $ | 598,579 |  |  | $ | 443,476 |  |  | $ | 675,202 |  |  | $ | 1,170,619 |  |  | $ | 7,472,622 |
Gross Charge-offs by Year of Origination | The following tables summarize the Company’s gross charge-offs by year of origination for the periods indicated:
|  | Term Loans Amortized Cost Basis by Origination Year |  |  | Revolving Loans |  |  |  |
(Dollars in thousands) |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Amortized Cost Basis |  |  | Total |
Three months ended September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  | $ | 174 |  |  | $ | 189 |  |  | $ | 25 |  |  | $ | 112 |  |  | $ | 147 |  |  | $ | 158 |  |  | $ | — |  |  | $ | 805 |
Commercial real estate non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction and development < 60 months |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction residential real estate < 60 months |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential real estate first lien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | — |  |  |  | 71 |  |  |  | 11 |  |  |  | — |  |  |  | 18 |  |  |  | — |  |  |  | 100 |
Residential real estate all other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agriculture |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | 150 |  |  |  | 9 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 159 |
Commercial non-real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | 19 |  |  |  | 15 |  |  |  | 46 |  |  |  | — |  |  |  | 51 |  |  |  | 108 |  |  |  | — |  |  |  | 239 |
Consumer non-real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | 192 |  |  |  | 146 |  |  |  | 56 |  |  |  | 12 |  |  |  | 1 |  |  |  | 18 |  |  |  | 2 |  |  |  | 427 |
Oil and gas |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total current-period gross charge-offs |  | $ | 385 |  |  | $ | 500 |  |  | $ | 207 |  |  | $ | 135 |  |  | $ | 199 |  |  | $ | 302 |  |  | $ | 2 |  |  | $ | 1,730 |
|  | Term Loans Amortized Cost Basis by Origination Year |  |  | Revolving Loans |  |  |  |
(Dollars in thousands) |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Amortized Cost Basis |  |  | Total |
Nine months ended September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  | $ | 174 |  |  | $ | 196 |  |  | $ | 26 |  |  | $ | 134 |  |  | $ | 165 |  |  | $ | 158 |  |  | $ | — |  |  | $ | 853 |
Commercial real estate non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | — |  |  |  | 3 |
Construction and development < 60 months |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4 |
Construction residential real estate < 60 months |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential real estate first lien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | — |  |  |  | 90 |  |  |  | 32 |  |  |  | — |  |  |  | 22 |  |  |  | — |  |  |  | 144 |
Residential real estate all other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | 4 |  |  |  | 19 |  |  |  | — |  |  |  | 1 |  |  |  | 4 |  |  |  | — |  |  |  | 28 |
Agriculture |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | 154 |  |  |  | 9 |  |  |  | 317 |  |  |  | 14 |  |  |  | 2 |  |  |  | — |  |  |  | 496 |
Commercial non-real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | 61 |  |  |  | 116 |  |  |  | 109 |  |  |  | 20 |  |  |  | 51 |  |  |  | 160 |  |  |  | — |  |  |  | 517 |
Consumer non-real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | 221 |  |  |  | 408 |  |  |  | 203 |  |  |  | 41 |  |  |  | 38 |  |  |  | 35 |  |  |  | 19 |  |  |  | 965 |
Oil and gas |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current-period gross charge-offs |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |
Total current-period gross charge-offs |  | $ | 456 |  |  | $ | 882 |  |  | $ | 456 |  |  | $ | 546 |  |  | $ | 269 |  |  | $ | 384 |  |  | $ | 19 |  |  | $ | 3,012 |
Activity in Allowance for Credit Losses on Loans | The following table details activity in the allowance for credit losses on loans for the period presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
|  | Allowance for Credit Losses |
|  | Balance at beginning of period |  |  | Charge- offs |  |  | Recoveries |  |  | Net charge-offs |  |  | Provision for/(benefit from) credit losses on loans |  |  | Balance at end of period |
|  | (Dollars in thousands) |
Three Months Ended September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 6,808 |  |  | $ | (805 | ) |  | $ | 3 |  |  | $ | (802 | ) |  | $ | 809 |  |  | $ | 6,815 |
Commercial real estate non-owner occupied |  |  | 33,432 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,182 |  |  |  | 34,614 |
Construction and development < 60 months |  |  | 3,440 |  |  |  | — |  |  |  | 3 |  |  |  | 3 |  |  |  | 467 |  |  |  | 3,910 |
Construction residential real estate < 60 months |  |  | 3,553 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (9 | ) |  |  | 3,544 |
Residential real estate first lien |  |  | 4,755 |  |  |  | (100 | ) |  |  | — |  |  |  | (100 | ) |  |  | 109 |  |  |  | 4,764 |
Residential real estate all other |  |  | 1,661 |  |  |  | — |  |  |  | 1 |  |  |  | 1 |  |  |  | 3 |  |  |  | 1,665 |
Agriculture |  |  | 6,426 |  |  |  | (159 | ) |  |  | — |  |  |  | (159 | ) |  |  | 166 |  |  |  | 6,433 |
Commercial non-real estate |  |  | 25,127 |  |  |  | (239 | ) |  |  | 243 |  |  |  | 4 |  |  |  | (886 | ) |  |  | 24,245 |
Consumer non-real estate |  |  | 4,344 |  |  |  | (427 | ) |  |  | 24 |  |  |  | (403 | ) |  |  | 448 |  |  |  | 4,389 |
Oil and gas |  |  | 7,374 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 23 |  |  |  | 7,397 |
Total |  | $ | 96,920 |  |  | $ | (1,730 | ) |  | $ | 274 |  |  | $ | (1,456 | ) |  | $ | 2,312 |  |  | $ | 97,776 |
|  | Allowance for Credit Losses |
|  | Balance at beginning of period |  |  | Charge- offs |  |  | Recoveries |  |  | Net charge-offs |  |  | Provision for/(benefit from) credit losses on loans |  |  | Balance at end of period |
|  | (Dollars in thousands) |
Nine Months Ended September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 6,416 |  |  | $ | (853 | ) |  | $ | 55 |  |  | $ | (798 | ) |  | $ | 1,197 |  |  | $ | 6,815 |
Commercial real estate non-owner occupied |  |  | 30,190 |  |  |  | (3 | ) |  |  | — |  |  |  | (3 | ) |  |  | 4,427 |  |  |  | 34,614 |
Construction and development < 60 months |  |  | 3,778 |  |  |  | (4 | ) |  |  | 9 |  |  |  | 5 |  |  |  | 127 |  |  |  | 3,910 |
Construction residential real estate < 60 months |  |  | 3,275 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 269 |  |  |  | 3,544 |
Residential real estate first lien |  |  | 4,092 |  |  |  | (144 | ) |  |  | 13 |  |  |  | (131 | ) |  |  | 803 |  |  |  | 4,764 |
Residential real estate all other |  |  | 1,418 |  |  |  | (28 | ) |  |  | 4 |  |  |  | (24 | ) |  |  | 271 |  |  |  | 1,665 |
Agriculture |  |  | 6,217 |  |  |  | (496 | ) |  |  | 13 |  |  |  | (483 | ) |  |  | 699 |  |  |  | 6,433 |
Commercial non-real estate |  |  | 25,106 |  |  |  | (517 | ) |  |  | 392 |  |  |  | (125 | ) |  |  | (736 | ) |  |  | 24,245 |
Consumer non-real estate |  |  | 4,132 |  |  |  | (965 | ) |  |  | 116 |  |  |  | (849 | ) |  |  | 1,106 |  |  |  | 4,389 |
Oil and gas |  |  | 8,104 |  |  |  | (2 | ) |  |  | — |  |  |  | (2 | ) |  |  | (705 | ) |  |  | 7,397 |
Total |  | $ | 92,728 |  |  | $ | (3,012 | ) |  | $ | 602 |  |  | $ | (2,410 | ) |  | $ | 7,458 |  |  | $ | 97,776 |
|  | Allowance for Credit Losses |
|  | Balance at beginning of period |  |  | Initial allowance on loans purchased with credit deterioration |  |  | Charge- offs |  |  | Recoveries |  |  | Net charge-offs |  |  | Provision for/(benefit from) credit losses on loans |  |  | Balance at end of period |
|  | (Dollars in thousands) |
Three Months Ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 6,928 |  |  | $ | — |  |  | $ | — |  |  | $ | 426 |  |  | $ | 426 |  |  | $ | (231 | ) |  | $ | 7,123 |
Commercial real estate non-owner occupied |  |  | 16,315 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,371 |  |  |  | 23,686 |
Construction and development < 60 months |  |  | 3,680 |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | 3 |  |  |  | 461 |  |  |  | 4,144 |
Construction residential real estate < 60 months |  |  | 1,183 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,124 |  |  |  | 2,307 |
Residential real estate first lien |  |  | 3,355 |  |  |  | — |  |  |  | (11 | ) |  |  | 15 |  |  |  | 4 |  |  |  | (18 | ) |  |  | 3,341 |
Residential real estate all other |  |  | 1,480 |  |  |  | — |  |  |  | (2 | ) |  |  | 1 |  |  |  | (1 | ) |  |  | 84 |  |  |  | 1,563 |
Agriculture |  |  | 7,956 |  |  |  | — |  |  |  | (80 | ) |  |  | 1 |  |  |  | (79 | ) |  |  | 629 |  |  |  | 8,506 |
Commercial non-real estate |  |  | 25,370 |  |  |  | (4 | ) |  |  | (187 | ) |  |  | 26 |  |  |  | (161 | ) |  |  | (251 | ) |  |  | 24,954 |
Consumer non-real estate |  |  | 4,050 |  |  |  | (3 | ) |  |  | (171 | ) |  |  | 59 |  |  |  | (112 | ) |  |  | 270 |  |  |  | 4,205 |
Oil and gas |  |  | 16,618 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (6,576 | ) |  |  | 10,042 |
Total |  | $ | 86,935 |  |  | $ | (7 | ) |  | $ | (451 | ) |  | $ | 531 |  |  | $ | 80 |  |  | $ | 2,863 |  |  | $ | 89,871 |
|  | Allowance for Credit Losses |
|  | Balance at beginning of period |  |  | Initial allowance on loans purchased with credit deterioration |  |  | Charge- offs |  |  | Recoveries |  |  | Net charge-offs |  |  | Provision for/(benefit from) credit losses on loans |  |  | Balance at end of period |
|  | (Dollars in thousands) |
Nine Months Ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 7,550 |  |  | $ | — |  |  | $ | (20 | ) |  | $ | 504 |  |  | $ | 484 |  |  | $ | (911 | ) |  | $ | 7,123 |
Commercial real estate non-owner occupied |  |  | 16,807 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,879 |  |  |  | 23,686 |
Construction and development < 60 months |  |  | 3,454 |  |  |  | — |  |  |  | — |  |  |  | 8 |  |  |  | 8 |  |  |  | 682 |  |  |  | 4,144 |
Construction residential real estate < 60 months |  |  | 1,051 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,256 |  |  |  | 2,307 |
Residential real estate first lien |  |  | 3,048 |  |  |  | 2 |  |  |  | (60 | ) |  |  | 28 |  |  |  | (32 | ) |  |  | 323 |  |  |  | 3,341 |
Residential real estate all other |  |  | 1,567 |  |  |  | — |  |  |  | (38 | ) |  |  | 403 |  |  |  | 365 |  |  |  | (369 | ) |  |  | 1,563 |
Agriculture |  |  | 8,392 |  |  |  | — |  |  |  | (205 | ) |  |  | 8 |  |  |  | (197 | ) |  |  | 311 |  |  |  | 8,506 |
Commercial non-real estate |  |  | 25,565 |  |  |  | 44 |  |  |  | (961 | ) |  |  | 162 |  |  |  | (799 | ) |  |  | 144 |  |  |  | 24,954 |
Consumer non-real estate |  |  | 3,694 |  |  |  | 25 |  |  |  | (404 | ) |  |  | 139 |  |  |  | (265 | ) |  |  | 751 |  |  |  | 4,205 |
Oil and gas |  |  | 12,808 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (2,766 | ) |  |  | 10,042 |
Total |  | $ | 83,936 |  |  | $ | 71 |  |  | $ | (1,688 | ) |  | $ | 1,252 |  |  | $ | (436 | ) |  | $ | 6,300 |  |  | $ | 89,871 |
Purchased Credit Deteriorated Loans | The Company has purchased loans, for which there was, at acquisition, evidence of more than insignificant deterioration of credit quality since origination. The Company did not purchase credit-deteriorated loans during the nine month period ended September 30, 2023. The credit-deteriorated loans purchased during the nine months ended September 30, 2022 were as follows:
|  | Loans acquired with deteriorated credit quality |
|  | (Dollars in thousands) |
For the period ended September 30, 2022 |  |  |
Purchase price of loans at acquisition |  | $ | 661 |
Allowance for credit losses at acquisition |  |  | 71 |
Par value of acquired loans at acquisition |  | $ | 732 |
Collateral-Dependent Gross Loans Held for Investment by Collateral Type and Related Specific Allocation | The following table summarizes collateral-dependent gross loans held for investment by collateral type and the related specific allocation as follows:
|  | Collateral Type |  |  |  |  |  |  |
|  | Real Estate |  |  | Business Assets |  |  | Energy Reserves |  |  | Other Assets |  |  | Total |  |  | Specific Allocation |
|  | (Dollars in thousands) |  |  |  |  |  |  |
As of September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate non-owner occupied |  |  | 632 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 632 |  |  |  | 250 |
Construction and development < 60 months |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction residential real estate < 60 months |  |  | 366 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 366 |  |  |  | 45 |
Residential real estate first lien |  |  | 214 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 214 |  |  |  | 65 |
Residential real estate all other |  |  | 57 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 57 |  |  |  | 60 |
Agriculture |  |  | 3,191 |  |  |  | 603 |  |  |  | — |  |  |  | 3,039 |  |  |  | 6,833 |  |  |  | 2,586 |
Commercial non-real estate |  |  | — |  |  |  | 4,902 |  |  |  | — |  |  |  | 37 |  |  |  | 4,939 |  |  |  | 1,229 |
Consumer non-real estate |  |  | — |  |  |  | 14 |  |  |  | — |  |  |  | 79 |  |  |  | 93 |  |  |  | 65 |
Oil and gas |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total collateral-dependent loans held for investment |  | $ | 4,460 |  |  | $ | 5,519 |  |  | $ | — |  |  | $ | 3,155 |  |  | $ | 13,134 |  |  | $ | 4,300 |
|  | Collateral Type |  |  |  |  |  |  |
|  | Real Estate |  |  | Business Assets |  |  | Energy Reserves |  |  | Other Assets |  |  | Total |  |  | Specific Allocation |
|  | (Dollars in thousands) |  |  |  |  |  |  |
As of December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 2,213 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,213 |  |  | $ | 870 |
Commercial real estate non-owner occupied |  |  | 1,263 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,263 |  |  |  | 333 |
Construction and development < 60 months |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction residential real estate < 60 months |  |  | 420 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 420 |  |  |  | 45 |
Residential real estate first lien |  |  | 481 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 481 |  |  |  | 207 |
Residential real estate all other |  |  | 9 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 9 |  |  |  | 9 |
Agriculture |  |  | 3,447 |  |  |  | 701 |  |  |  | — |  |  |  | 3,592 |  |  |  | 7,740 |  |  |  | 3,114 |
Commercial non-real estate |  |  | — |  |  |  | 5,924 |  |  |  | — |  |  |  | 4 |  |  |  | 5,928 |  |  |  | 1,938 |
Consumer non-real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 117 |  |  |  | 117 |  |  |  | 81 |
Oil and gas |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total collateral-dependent loans held for investment |  | $ | 7,833 |  |  | $ | 6,625 |  |  | $ | — |  |  | $ | 3,713 |  |  | $ | 18,171 |  |  | $ | 6,597 |
Transfers from Loans and Premises and Equipment to Other Real Estate Owned and Repossessed Assets | Transfers from loans and premises and equipment to other real estate owned and repossessed assets during the periods presented are summarized as follows:
|  | Nine Months Ended September 30, |
|  | 2023 |  |  | 2022 |
|  | (Dollars in thousands) |
Other real estate owned |  | $ | 2,236 |  |  | $ | 4,393 |
Repossessed assets |  |  | 1,448 |  |  |  | 696 |
Total |  | $ | 3,684 |  |  | $ | 5,089 |

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