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v3.25.2

LOANS | 6 Months Ended
--- | ---
Jun. 30, 2025
Receivables [Abstract] |
LOANS | LOANS
(dollars in thousands) |  | June 30, 2025 |  | December 31, 2024
Commercial and industrial loans: |  |  |  |  |  |  |  |
Working capital lines of credit loans |  | $ | 717,484 |  |  | 13.7 | % |  | $ | 649,609 |  |  | 12.7 | %
Non-working capital loans |  | 776,278 |  |  | 14.9 |  |  | 801,256 |  |  | 15.6 |
Total commercial and industrial loans |  | 1,493,762 |  |  | 28.6 |  |  | 1,450,865 |  |  | 28.3 |
Commercial real estate and multi-family residential loans: |  |  |  |  |  |  |  |
Construction and land development loans |  | 552,998 |  |  | 10.6 |  |  | 567,781 |  |  | 11.1 |
Owner occupied loans |  | 780,285 |  |  | 14.9 |  |  | 807,090 |  |  | 15.8 |
Nonowner occupied loans |  | 869,196 |  |  | 16.6 |  |  | 872,671 |  |  | 17.0 |
Multifamily loans |  | 477,910 |  |  | 9.1 |  |  | 344,978 |  |  | 6.7 |
Total commercial real estate and multi-family residential loans |  | 2,680,389 |  |  | 51.2 |  |  | 2,592,520 |  |  | 50.6 |
Agri-business and agricultural loans: |  |  |  |  |  |  |  |
Loans secured by farmland |  | 150,934 |  |  | 2.9 |  |  | 156,609 |  |  | 3.1 |
Loans for agricultural production |  | 188,501 |  |  | 3.6 |  |  | 230,787 |  |  | 4.5 |
Total agri-business and agricultural loans |  | 339,435 |  |  | 6.5 |  |  | 387,396 |  |  | 7.6 |
Other commercial loans: |  | 95,442 |  |  | 1.8 |  |  | 95,584 |  |  | 1.9 |
Total commercial loans |  | 4,609,028 |  |  | 88.1 |  |  | 4,526,365 |  |  | 88.4 |
Consumer 1-4 family mortgage loans: |  |  |  |  |  |  |  |
Closed end first mortgage loans |  | 273,287 |  |  | 5.2 |  |  | 259,286 |  |  | 5.1 |
Open end and junior lien loans |  | 226,114 |  |  | 4.4 |  |  | 214,125 |  |  | 4.2 |
Residential construction and land development loans |  | 16,667 |  |  | 0.3 |  |  | 16,818 |  |  | 0.3 |
Total consumer 1-4 family mortgage loans |  | 516,068 |  |  | 9.9 |  |  | 490,229 |  |  | 9.6 |
Other consumer loans |  | 103,880 |  |  | 2.0 |  |  | 104,041 |  |  | 2.0 |
Total consumer loans |  | 619,948 |  |  | 11.9 |  |  | 594,270 |  |  | 11.6 |
Subtotal |  | 5,228,976 |  |  | 100.0 | % |  | 5,120,635 |  |  | 100.0 | %
Less: Allowance for credit losses |  | (66,552) |  |  |  |  | (85,960) |  |  |
Net deferred loan fees |  | (2,149) |  |  |  |  | (2,687) |  |  |
Loans, net |  | $ | 5,160,275 |  |  |  |  | $ | 5,031,988 |  |  |
The recorded investment in loans does not include accrued interest, which totaled $20.9 million and $20.3 million as of June 30, 2025 and December 31, 2024, respectively. The Company h ad $907,000 and $424,000 in residential real estate loans in the process of foreclosure as of June 30, 2025 and December 31, 2024, respectively.

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