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Loans (Tables)

12 Months Ended

Dec. 31, 2024

Loans and Leases Receivable Disclosure [Abstract]

Schedule of composition of loan portfolio by class of loan

The composition of the loan portfolio at December 31, 2024 and December 31, 2023 was as follows:

 

			December 31, 2024									December 31, 2023
(In thousands)			Amortized Cost									Amortized Cost
Commercial, financial and agricultural: (1)
Commercial, financial and agricultural (1)			$	1,267,263								$	1,292,025
PPP loans			847									2,116
Overdrafts			1,475									1,499
Commercial real estate (1)			1,994,332									1,875,993
Construction real estate:
Commercial			311,122									209,226
Retail			101,455									95,873
Residential real estate:
Commercial			644,418									609,410
Mortgage			1,346,543									1,239,861
HELOC			203,459									174,349
Installment			6,013									5,904
Consumer:
Consumer			1,908,473									1,943,869
Check loans			1,899									2,067
Leases			29,829									24,029
Total			$	7,817,128								$	7,476,221
Allowance for credit losses			(87,966)									(83,745)
Net loans			$	7,729,162								$	7,392,476

(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that were not broken out by class.

Schedule of recorded investment in nonaccrual restructured and loans past due 90 days or more and accruing

The following tables present the amortized cost of nonaccrual loans and loans past due 90 days or more and still accruing, by class of loan, at December 31, 2024 and December 31, 2023:

 

						December 31, 2024
(In thousands)						Nonaccrual Loans						Loans Past Due 90 Days  or More and Accruing						Total Nonperforming Loans
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	24,241					$	—					$	24,241
PPP loans						—						—						$	—
Overdrafts						—						—						$	—
Commercial real estate						23,230						—						$	23,230
Construction real estate:
Commercial						8						—						$	8
Retail						22						—						$	22
Residential real estate:
Commercial						5,700						—						$	5,700
Mortgage						11,368						913						$	12,281
HELOC						918						15						$	933
Installment						31						—						$	31
Consumer:
Consumer						2,643						826						$	3,469
Check loans						—						—						$	—
Leases						17						—						$	17
Total loans						$	68,178					$	1,754					$	69,932

						December 31, 2023
(In thousands)						Nonaccrual Loans						Loans Past Due 90 Days or More and Accruing						Total Nonperforming Loans
Commercial, financial and agricultural
Commercial, financial and agricultural						$	21,284					$	14					$	21,298
PPP loans						—						—						$	—
Overdrafts						—						—						$	—
Commercial real estate						20,740						—						$	20,740
Construction real estate:
Commercial						504						—						$	504
Retail						—						26						$	26
Residential real estate:
Commercial						2,670						—						$	2,670
Mortgage						11,786						206						$	11,992
HELOC						815						—						$	815
Installment						16						—						$	16
Consumer
Consumer						2,371						613						$	2,984
Check loans						—						—						$	—
Leases						73						—						$	73
Total loans						$	60,259					$	859					$	61,118

Financing Receivable, Nonaccrual

The following tables provide additional detail on nonaccrual loans and the related ACL, by class of loan, at December 31, 2024 and December 31, 2023:

						December 31, 2024
(In thousands)						Nonaccrual Loans With No ACL						Nonaccrual Loans With an ACL						Related ACL
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	18,778					$	5,463					$	1,261
PPP loans						—						—						—
Overdrafts						—						—						—
Commercial real estate						23,230						—						—
Construction real estate:
Commercial						8						—						—
Retail						—						22						1
Residential real estate:
Commercial						3,755						1,945						39
Mortgage						—						11,368						128
HELOC						—						918						154
Installment						—						31						1
Consumer
Consumer						—						2,643						786
Check loans						—						—						—
Leases						17						—						—
Total loans						$	45,788					$	22,390					$	2,370

						December 31, 2023
(In thousands)						Nonaccrual Loans With No ACL						Nonaccrual Loans With an ACL						Related ACL
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	8,634					$	12,650					$	4,985
PPP loans						—						—						—
Overdrafts						—						—						—
Commercial real estate						20,175						565						2
Construction real estate:
Commercial						504						—						—
Retail						—						—						—
Residential real estate:
Commercial						2,670						—						—
Mortgage						—						11,786						117
HELOC						—						815						25
Installment						—						16						—
Consumer
Consumer						—						2,371						672
Check loans						—						—						—
Leases						73						—						—
Total loans						$	32,056					$	28,203					$	5,801

Schedule of Collateral Dependent By Class Of Loans

The following tables provide the amortized cost basis of collateral-dependent loans by class of loan, as of December 31, 2024 and December 31, 2023:

						December 31, 2024
(In thousands)						Real Estate						Business Assets						Other			Total
Commercial, financial and agricultural
Commercial, financial and agricultural						$	5,583					$	11,423					$	22,187		$	39,193
Commercial real estate						24,539						8						—			24,547
Construction real estate:
Commercial						589						—						—			589
Residential real estate:
Commercial						5,898						—						—			5,898
Mortgage						78						—						—			78
Leases						—						17						—			17
Total loans						$	36,687					$	11,448					$	22,187		$	70,322

						December 31, 2023
(In thousands)						Real Estate						Business Assets						Other			Total
Commercial, financial and agricultural
Commercial, financial and agricultural						$	8,137					$	9,377					$	3,737		$	21,251
Commercial real estate						22,096						514						—			22,610
Construction real estate:
Commercial						1,130						—						—			1,130
Residential real estate:
Commercial						2,910						—						—			2,910
Mortgage						76						—						—			76
Leases						—						73						—			73
Total loans						$	34,349					$	9,964					$	3,737		$	48,050

Schedule of loans individually evaluated for impairment by class of loan

The following table presents interest income recognized on nonaccrual loans for the years ended December 31, 2024, 2023 and 2022:

			Interest Income Recognized
(In thousands)			December 31, 2024						December 31, 2023						December 31, 2022
Commercial, financial and agricultural:
Commercial, financial and agricultural			$	1,595					$	1,843					$	438
PPP loans			—						—						—
Overdrafts			—						—						—
Commercial real estate			1,132						781						956
Construction real estate:
Commercial			38						65						32
Retail			1						—						13
Residential real estate:
Commercial			238						136						88
Mortgage			434						227						157
HELOC			16						20						16
Installment			—						3						3
Consumer:
Consumer			134						97						59
Check loans
Leases			—						—						33
Total loans			$	3,588					$	3,172					$	1,795

Financing Receivable, Past Due

The following tables present the aging of the amortized cost in past due loans at December 31, 2024 and December 31, 2023 by class of loan:

			December 31, 2024
(In thousands)			Accruing Loans Past Due 30-89 Days						Past Due  Nonaccrual Loans and Loans Past Due 90 Days or More and  Accruing (1)						Total Past Due						Total Current (2)						Total  Amortized Cost
Commercial, financial and agricultural:
Commercial, financial and agricultural			$	1,881					$	13,234					$	15,115					$	1,252,148					$	1,267,263
PPP loans			20						—						20						827						847
Overdrafts			—						—						—						1,475						1,475
Commercial real estate			458						2,594						3,052						1,991,280						1,994,332
Construction real estate:
Commercial			—						—						—						311,122						311,122
Retail			100						22						122						101,333						101,455
Residential real estate:
Commercial			—						2,164						2,164						642,254						644,418
Mortgage			13,403						5,946						19,349						1,327,194						1,346,543
HELOC			438						620						1,058						202,401						203,459
Installment			39						22						61						5,952						6,013
Consumer:
Consumer			10,309						1,195						11,504						1,896,969						1,908,473
Check loans			3						—						3						1,896						1,899
Leases			—						—						—						29,829						29,829
Total loans			$	26,651					$	25,797					$	52,448					$	7,764,680					$	7,817,128

(1) Includes an aggregate of $1.8 million of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans.

(2) Includes an aggregate of $44.1 million of nonaccrual loans which were current in regards to contractual principal and interest payments.

			December 31, 2023
(in thousands)			Accruing Loans Past Due 30-89 Days						Past Due  Nonaccrual Loans and Loans Past Due 90 Days or More and  Accruing (1)						Total Past Due						Total Current (2)						Total  Amortized Cost
Commercial, financial and agricultural
Commercial, financial and agricultural			$	522					$	11,629					$	12,151					$	1,279,874					$	1,292,025
PPP loans			9						—						9						2,107						2,116
Overdrafts			—						—						—						1,499						1,499
Commercial real estate			1,656						1,839						3,495						1,872,498						1,875,993
Construction real estate:
Commercial			—						205						205						209,021						209,226
Retail			554						26						580						95,293						95,873
Residential real estate:
Commercial			295						219						514						608,896						609,410
Mortgage			9,831						6,450						16,281						1,223,580						1,239,861
HELOC			788						611						1,399						172,950						174,349
Installment			52						—						52						5,852						5,904
Consumer
Consumer			8,974						1,183						10,157						1,933,712						1,943,869
Check loans			5						—						5						2,062						2,067
Leases			—						—						—						24,029						24,029
Total loans			$	22,686					$	22,162					$	44,848					$	7,431,373					$	7,476,221

(1) Includes an aggregate of $859,000 of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans.

(2) Includes an aggregate of $39.0 million of nonaccrual loans which were current in regards to contractual principal and interest payments.

Financing Receivable Credit Quality Indicators

Based on the most recent analysis performed, the risk category of loans by class of loans as of December 31, 2024 and December 31, 2023 are detailed in the tables below. Also included in the tables detailing balances at December 31, 2024 and December 31, 2023 are gross charge offs for the years ended December 31, 2024 and December 31, 2023.

December 31, 2024			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis			Total
Commercial, financial and agricultural: Commercial, financial and agricultural (1)
Risk rating
Pass			$	239,260		$	150,007		$	97,761		$	80,409		$	66,032		$	53,327		$	506,998		$	1,193,794
Special Mention			2,709			1,222			3,819			314			818			1,467			37,447			47,796
Substandard			1,574			633			264			1,879			817			5,232			12,417			22,816
Doubtful			371			944			256			104			336			—			846			2,857
Total			$	243,914		$	152,806		$	102,100		$	82,706		$	68,003		$	60,026		$	557,708		$	1,267,263
Current period gross charge-offs			$	—		$	104		$	143		$	20		$	1,317		$	2,872		$	50		$	4,506

Commercial, financial and agricultural: PPP
Risk rating
Pass			$	—		$	—		$	—		$	547		$	300		$	—		$	—		$	847
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—
Doubtful			—			—			—			—			—			—			—			—
Total			$	—		$	—		$	—		$	547		$	300		$	—		$	—		$	847
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Commercial real estate (1)
Risk rating
Pass			$	329,203		$	252,923		$	289,622		$	296,745		$	276,181		$	459,856		$	30,203		$	1,934,733
Special Mention			3,054			2,779			11,978			4,071			5,728			7,416			1,165			36,191
Substandard			2,083			1,477			3,037			3,310			2,223			7,850			2,985			22,965
Doubtful			—			—			443			—			—			—			—			443
Total			$	334,340		$	257,179		$	305,080		$	304,126		$	284,132		$	475,122		$	34,353		$	1,994,332
Current period gross charge-offs			$	—		$	99		$	—		$	—		$	—		$	—		$	—		$	99

Construction real estate: Commercial
Risk rating
Pass			$	158,403		$	83,233		$	32,035		$	2,623		$	3,014		$	2,783		$	22,896		$	304,987
Special Mention			5,084			—			374			—			—			—			88			5,546
Substandard			8			581			—			—			—			—			—			589
Doubtful			—			—			—			—			—			—			—			—
Total			$	163,495		$	83,814		$	32,409		$	2,623		$	3,014		$	2,783		$	22,984		$	311,122
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

December 31, 2024			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis			Total
Residential Real Estate: Commercial
Risk rating
Pass			$	120,873		$	111,577		$	88,292		$	92,240		$	102,999		$	93,918		$	20,455		$	630,354
Special Mention			1,403			540			661			437			831			941			3,165			7,978
Substandard			351			91			2,790			324			1,262			1,123			145			6,086
Doubtful			—			—			—			—			—			—			—			—
Total			$	122,627		$	112,208		$	91,743		$	93,001		$	105,092		$	95,982		$	23,765		$	644,418
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Leases
Risk rating
Pass			$	17,537		$	5,868		$	3,557		$	1,243		$	967		$	315		$	—		$	29,487
Special Mention			—			46			251			—			28			—			—			325
Substandard			17			—			—			—			—			—			—			17
Doubtful			—			—			—			—			—			—			—			—
Total			$	17,554		$	5,914		$	3,808		$	1,243		$	995		$	315		$	—		$	29,829
Current period gross charge-offs			$	8		$	—		$	—		$	—		$	—		$	—		$	—		$	8

Total Commercial Loans
Risk rating
Pass			$	865,276		$	603,608		$	511,267		$	473,807		$	449,493		$	610,199		$	580,552		$	4,094,202
Special Mention			12,250			4,587			17,083			4,822			7,405			9,824			41,865			97,836
Substandard			4,033			2,782			6,091			5,513			4,302			14,205			15,547			52,473
Doubtful			371			944			699			104			336			—			846			3,300
Total			$	881,930		$	611,921		$	535,140		$	484,246		$	461,536		$	634,228		$	638,810		$	4,247,811
Current period gross charge-offs			$	8		$	203		$	143		$	20		$	1,317		$	2,872		$	50		$	4,613

(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class.

December 31, 2023			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2023			2022			2021			2020			2019			Prior			Revolving Loans Amortized Cost Basis			Total
Commercial, financial and agricultural: Commercial, financial and agricultural (1)
Risk rating
Pass			$	204,601		$	149,386		$	118,992		$	93,495		$	38,205		$	45,814		$	600,301		$	1,250,794
Special Mention			530			1,549			435			128			252			2			16,260			19,156
Substandard			149			894			1,041			1,133			143			582			7,427			11,369
Doubtful			—			—			39			1,771			96			7,848			952			10,706
Total			$	205,280		$	151,829		$	120,507		$	96,527		$	38,696		$	54,246		$	624,940		$	1,292,025
Current period gross charge-offs			$	—		$	13		$	73		$	—		$	5		$	52		$	19		$	162

Commercial, financial and agricultural: PPP
Risk rating
Pass			$	—		$	—		$	925		$	1,191		$	—		$	—		$	—		$	2,116
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—
Doubtful			—			—			—			—			—			—			—			—
Total			$	—		$	—		$	925		$	1,191		$	—		$	—		$	—		$	2,116
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Commercial real estate (1)
Risk rating
Pass			$	278,922		$	322,096		$	334,452		$	318,473		$	204,740		$	347,389		$	17,174		$	1,823,246
Special Mention			2,092			2,951			4,637			7,629			—			13,043			98			30,450
Substandard			1,828			1,589			2,509			2,668			3,406			7,495			1,584			21,079
Doubtful			889			—			—			—			—			329			—			1,218
Total			$	283,731		$	326,636		$	341,598		$	328,770		$	208,146		$	368,256		$	18,856		$	1,875,993
Current period gross charge-offs			$	224		$	—		$	—		$	—		$	—		$	530		$	—		$	754

Construction real estate: Commercial
Risk rating
Pass			$	89,283		$	77,988		$	7,480		$	18,195		$	1,090		$	2,718		$	11,342		$	208,096
Special Mention			—			—			—			—			—			—			—			—
Substandard			831			236			63			—			—			—			—			1,130
Doubtful			—			—			—			—			—			—			—			—
Total			$	90,114		$	78,224		$	7,543		$	18,195		$	1,090		$	2,718		$	11,342		$	209,226
Current period gross charge-offs			$	546		$	—		$	—		$	—		$	—		$	—		$	—		$	546

Residential Real Estate: Commercial
Risk rating
Pass			$	128,589		$	104,008		$	105,225		$	117,442		$	49,797		$	71,489		$	23,535		$	600,085
Special Mention			—			333			623			1,964			914			1,578			—			5,412
Substandard			195			560			159			1,192			16			1,601			190			3,913
Doubtful			—			—			—			—			—			—			—			—
Total			$	128,784		$	104,901		$	106,007		$	120,598		$	50,727		$	74,668		$	23,725		$	609,410
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

December 31, 2023			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2023			2022			2021			2020			2019			Prior			Revolving Loans Amortized Cost Basis			Total
Leases
Risk rating
Pass			$	11,440		$	4,404		$	2,197		$	1,941		$	356		$	623		$	—		$	20,961
Special Mention			731			1,564			391			297			10			2			—			2,995
Substandard			—			—			—			—			67			6			—			73
Doubtful			—			—			—			—			—			—			—			—
Total			$	12,171		$	5,968		$	2,588		$	2,238		$	433		$	631		$	—		$	24,029
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Total Commercial Loans
Risk rating
Pass			$	712,835		$	657,882		$	569,271		$	550,737		$	294,188		$	468,033		$	652,352		$	3,905,298
Special Mention			3,353			6,397			6,086			10,018			1,176			14,625			16,358			58,013
Substandard			3,003			3,279			3,772			4,993			3,632			9,684			9,201			37,564
Doubtful			889			—			39			1,771			96			8,177			952			11,924
Total			$	720,080		$	667,558		$	579,168		$	567,519		$	299,092		$	500,519		$	678,863		$	4,012,799
Current period gross charge-offs			$	770		$	13		$	73		$	—		$	5		$	582		$	19		$	1,462

(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class.

Park considers the performance of the loan portfolio and its impact on the allowance for credit losses. For residential and consumer loan classes, Park also evaluates credit quality based on the aging status of the loan, which was previously presented, and by performing status. The following tables present the amortized cost in residential and consumer loans based on performing status and gross charge-offs for the years ended December 31, 2024 and December 31, 2023. Nonperforming loans consisted of nonaccrual loans and loans past due 90 days or more and still accruing.

December 31, 2024			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis			Total
Commercial, financial and agricultural: Overdrafts
Performing			$	1,475		$	—		$	—		$	—		$	—		$	—		$	—		$	1,475
Nonperforming			—			—			—			—			—			—			—			—
Total			$	1,475		$	—		$	—		$	—		$	—		$	—		$	—		$	1,475
Current period gross charge-offs			$	937		$	—		$	—		$	—		$	—		$	—		$	—		$	937

Construction Real Estate: Retail
Performing			$	51,109		$	26,237		$	8,517		$	6,233		$	3,571		$	5,306		$	460		$	101,433
Nonperforming			—			—			—			—			22			—			—			22
Total			$	51,109		$	26,237		$	8,517		$	6,233		$	3,593		$	5,306		$	460		$	101,455
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Residential Real Estate: Mortgage
Performing			$	194,883		$	236,260		$	250,132		$	192,193		$	157,438		$	303,356		$	—		$	1,334,262
Nonperforming			536			721			1,324			729			1,508			7,463			—			12,281
Total			$	195,419		$	236,981		$	251,456		$	192,922		$	158,946		$	310,819		$	—		$	1,346,543
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	22		$	—		$	22

December 31, 2024			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis			Total
Residential Real Estate: HELOC
Performing			$	13		$	153		$	577		$	333		$	56		$	1,048		$	200,346		$	202,526
Nonperforming			—			39			14			56			—			610			214			933
Total			$	13		$	192		$	591		$	389		$	56		$	1,658		$	200,560		$	203,459
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	9		$	—		$	9

Residential Real Estate: Installment
Performing			$	1,198		$	1,704		$	133		$	—		$	—		$	2,947		$	—		$	5,982
Nonperforming			—			—			—			—			2			29			—			31
Total			$	1,198		$	1,704		$	133		$	—		$	2		$	2,976		$	—		$	6,013
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Consumer: Consumer
Performing			$	607,783		$	454,403		$	427,982		$	204,806		$	126,075		$	76,707		$	7,248		$	1,905,004
Nonperforming			337			1,035			928			452			310			404			3			3,469
Total			$	608,120		$	455,438		$	428,910		$	205,258		$	126,385		$	77,111		$	7,251		$	1,908,473
Current period gross charge-offs			$	683		$	3,532		$	4,596		$	2,328		$	809		$	743		$	2		$	12,693

Consumer: Check loans
Performing			$	—		$	—		$	—		$	—		$	—		$	—		$	1,899		$	1,899
Nonperforming			—			—			—			—			—			—			—			—
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	1,899		$	1,899
Current period gross charge-offs			—			—			—			—			—			—			60			60

Total Consumer Loans
Performing			$	856,461		$	718,757		$	687,341		$	403,565		$	287,140		$	389,364		$	209,953		$	3,552,581
Nonperforming			873			1,795			2,266			1,237			1,842			8,506			217			16,736
Total			$	857,334		$	720,552		$	689,607		$	404,802		$	288,982		$	397,870		$	210,170		$	3,569,317
Current period gross charge-offs			$	1,620		$	3,532		$	4,596		$	2,328		$	809		$	774		$	62		$	13,721

December 31, 2023			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2023			2022			2021			2020			2019			Prior			Revolving Loans Amortized Cost Basis			Total
Commercial, financial and agricultural: Overdrafts
Performing			$	1,499		$	—		$	—		$	—		$	—		$	—		$	—		$	1,499
Nonperforming			—			—			—			—			—			—			—			—
Total			$	1,499		$	—		$	—		$	—		$	—		$	—		$	—		$	1,499
Current period gross charge-offs			$	1,064		$	—		$	—		$	—		$	—		$	—		$	—		$	1,064

Construction Real Estate: Retail
Performing			$	52,904		$	24,219		$	7,709		$	4,251		$	3,604		$	2,891		$	269		$	95,847
Nonperforming			—			—			—			26			—			—			—			26
Total			$	52,904		$	24,219		$	7,709		$	4,277		$	3,604		$	2,891		$	269		$	95,873
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

December 31, 2023			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2023			2022			2021			2020			2019			Prior			Revolving Loans Amortized Cost Basis			Total
Residential Real Estate: Mortgage
Performing			$	209,315		$	259,076		$	218,417		$	177,518		$	80,627		$	282,916		$	—		$	1,227,869
Nonperforming			197			1,144			1,172			406			581			8,492			—			11,992
Total			$	209,512		$	260,220		$	219,589		$	177,924		$	81,208		$	291,408		$	—		$	1,239,861
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	35		$	—		$	35

Residential Real Estate: HELOC
Performing			$	99		$	205		$	379		$	98		$	221		$	1,838		$	170,694		$	173,534
Nonperforming			—			—			—			—			32			603			180			815
Total			$	99		$	205		$	379		$	98		$	253		$	2,441		$	170,874		$	174,349
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	9		$	—		$	9

Residential Real Estate: Installment
Performing			$	2,225		$	162		$	—		$	3		$	144		$	3,354		$	—		$	5,888
Nonperforming			—			—			—			—			—			16			—			16
Total			$	2,225		$	162		$	—		$	3		$	144		$	3,370		$	—		$	5,904
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Consumer: Consumer
Performing			$	627,985		$	613,019		$	319,161		$	214,714		$	81,446		$	65,955		$	18,605		$	1,940,885
Nonperforming			395			891			654			435			216			389			4			2,984
Total			$	628,380		$	613,910		$	319,815		$	215,149		$	81,662		$	66,344		$	18,609		$	1,943,869
Current period gross charge-offs			$	560		$	3,517		$	2,371		$	763		$	545		$	480		$	6		$	8,242

Consumer: Check loans
Performing			$	—		$	—		$	—		$	—		$	—		$	—		$	2,067		$	2,067
Nonperforming			—			—			—			—			—			—			—			—
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	2,067		$	2,067
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	51		$	51

Total Consumer Loans
Performing			$	894,027		$	896,681		$	545,666		$	396,584		$	166,042		$	356,954		$	191,635		$	3,447,589
Nonperforming			592			2,035			1,826			867			829			9,500			184			15,833
Total			$	894,619		$	898,716		$	547,492		$	397,451		$	166,871		$	366,454		$	191,819		$	3,463,422
Current period gross charge-offs			$	1,624		$	3,517		$	2,371		$	763		$	545		$	524		$	57		$	9,401

Financing Receivable, Modified [Table Text Block]

The following tables present the amortized cost basis of loans at December 31, 2024 and 2023 that were both experiencing financial difficulty and modified during the years ended December 31, 2024 and 2023 by class of and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented below.

						Year ended December 31, 2024
(Dollars in thousands)						Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Reduction						Combination Term Extension and Interest Rate Reduction						Other						Total						Percent of Total Class of Financing Receivable
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	—					$	54					$	19,008					$	765					$	—					$	—					$	19,827					1.56		%
PPP loans						—						—						—						—						—						—						—						—		%
Overdrafts						—						—						—						—						—						—						—						—		%
Commercial real estate						—						160						6,508						718						533						—						7,919						0.40		%
Construction real estate:
Commercial						—						—						8						—						—						—						8						—		%
Retail						—						—						—						—						—						—						—						—		%
Residential real estate:
Commercial						—						—						136						12						639						—						787						0.12		%
Mortgage						—						—						574						84						82						—						740						0.05		%
HELOC						—						—						—						—						—						—						—						—		%
Installment						—						—						232						—						92						—						324						5.39		%
Consumer:
Consumer						—						—						—						14						—						—						14						—		%
Check loans						—						—						—						—						—						—						—						—		%
Leases						—						—						—						—						—						—						—						—		%
Total						$	—					$	214					$	26,466					$	1,593					$	1,346					$	—					$	29,619					0.38		%

The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the years ended December 31, 2024 and 2023:

			Year ended December 31, 2024
(Dollars in thousands)						Weighted Average Interest Rate Reduction						Weighted Average Term Extension (years)						Weighted Average Payment Delay (years)
Commercial, financial and agricultural:
Commercial, financial and agricultural						(2.00)		%				0.8						0.4
PPP loans						—		%				0.0						0.0
Overdrafts						—		%				0.0						0.0
Commercial real estate						(1.80)		%				3.9						0.4
Construction real estate:
Commercial						—		%				0.4						0.0
Retail						—		%				0.0						0.0
Residential real estate:
Commercial						(0.77)		%				3.1						0.0
Mortgage						(2.30)		%				3.3						0.0
HELOC						—		%				0.0						0.0
Installment						(1.28)		%				9.1						0.0
Consumer:
Consumer						(4.09)		%				0.0						0.0
Check loans						—		%				0.0						0.0
Leases						—		%				0.0						0.0
Total						(1.65)		%				1.8						0.4

			Year ended December 31, 2023
(Dollars in thousands)						Weighted Average Interest Rate Reduction						Weighted Average Term Extension (years)
Commercial, financial and agricultural:
Commercial, financial and agricultural						(1.64)		%				0.8
PPP loans						—		%				0.0
Overdrafts						—		%				0.0
Commercial real estate						—		%				4.1
Construction real estate:
Commercial						—		%				1.6
Retail						—		%				0.0
Residential real estate:
Commercial						(2.75)		%				1.4
Mortgage						(2.34)		%				0.5
HELOC						—		%				0.0
Installment						(1.00)		%				12.1
Consumer:
Consumer						(2.52)		%				0.0
Check loans						—		%				0.0
Leases						—		%				0.0
Total						(1.82)		%				1.8

Financing Receivable, Modified, Subsequent Default

The following tables present the performance of such loans that have been modified in the last 12 months for the years ended December 31, 2024 and 2023:

			Year ended December 31, 2024
(In thousands)			30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total Past Due
Commercial, financial and agricultural:
Commercial, financial and agricultural			$	115					$	—					$	4,611					$	4,726
PPP loans			—						—						—						—
Overdrafts			—						—						—						—
Commercial real estate			—						—						—						—
Construction real estate:																					—
Commercial			—						—						—						—
Retail			—						—						—						—
Residential real estate:																					—
Commercial			—						—						—						—
Mortgage			71						—						84						155
HELOC			—						—						—						—
Installment			—						—						—						—
Consumer:																					—
Consumer			—						—						—						—
Check loans			—						—						—						—
Leases			—						—						—						—
Total loans			$	186					$	—					$	4,695					$	4,881

			Year ended December 31, 2023
(In thousands)			30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total Past Due
Commercial, financial and agricultural:
Commercial, financial and agricultural			$	—					$	—					$	—					$	—
PPP loans			—						—						—						—
Overdrafts			—						—						—						—
Commercial real estate			219						—						—						219
Construction real estate:																					—
Commercial			—						205						—						205
Retail			—						—						—						—
Residential real estate:																					—
Commercial			—						—						—						—
Mortgage			—						—						—						—
HELOC			—						—						—						—
Installment			20						—						—						20
Consumer:																					—
Consumer			—						—						—						—
Check loans			—						—						—						—
Leases			—						—						—						—
Total loans			$	239					$	205					$	—					$	444

The following tables present the amortized cost basis of loans that had a payment default during the years ended December 31, 2024 and 2023 and were modified in the year prior to that default to borrowers experiencing financial difficulty. For this table, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms:

			Year ended December 31, 2024
(In thousands)			Payment Delay						Term Extension						Interest Rate Reduction						Combination Term Extension and Interest Rate Reduction
Commercial, financial and agricultural:
Commercial, financial and agricultural			$	54					$	6,756					$	115					$	—
PPP loans			—						—						—						—
Overdrafts			—						—						—						—
Commercial real estate			—						—						—						—
Construction real estate:
Commercial			—						—						—						—
Retail			—						—						—						—
Residential real estate:
Commercial			—						—						—						—
Mortgage			—						47						84						71
HELOC			—						—						—						—
Installment			—						—						—						—
Consumer:
Consumer			—						—						—						—
Check loans			—						—						—						—
Leases			—						—						—						—
Total loans			$	54					$	6,803					$	199					$	71

			Year ended December 31, 2023
(In thousands)			Term Extension						Interest Rate Reduction						Combination Term Extension and Interest Rate Reduction						Other
Commercial, financial and agricultural:
Commercial, financial and agricultural			$	—					$	—					$	—					$	9
PPP loans			—						—						—						—
Overdrafts			—						—						—						—
Commercial real estate			219						—						—						—
Construction real estate:									—						—						—
Commercial			205						—						—						—
Retail			—						—						—						—
Residential real estate:									—						—						—
Commercial			—						—						144						—
Mortgage			—						—						133						—
HELOC			—						—						—						—
Installment			20						—						—						—
Consumer:									—						—						—
Consumer			—						—						—						—
Check loans			—						—						—						—
Leases			—						—						—						—
Total loans			$	444					$	—					$	277					$	9

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