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v3.25.3

LOANS | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
LOANS | LOANS
(dollars in thousands) |  | September 30, 2025 |  |  |  | December 31, 2024 |  |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Working capital lines of credit loans |  | $ | 709,645 |  |  | 13.5 | % |  |  |  |  |  | $ | 649,609 |  |  | 12.7 | % |  |  |  |
Non-working capital loans |  | 808,371 |  |  | 15.4 |  |  |  |  |  |  | 801,256 |  |  | 15.6 |  |  |  |  |
Total commercial and industrial loans |  | $ | 1,518,016 |  |  | 28.9 |  |  |  |  |  |  | $ | 1,450,865 |  |  | 28.3 |  |  |  |  |
Commercial real estate and multi-family residential loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development loans |  | 574,896 |  |  | 10.9 |  |  |  |  |  |  | 567,781 |  |  | 11.1 |  |  |  |  |
Owner occupied loans |  | 804,253 |  |  | 15.3 |  |  |  |  |  |  | 807,090 |  |  | 15.8 |  |  |  |  |
Nonowner occupied loans |  | 863,085 |  |  | 16.5 |  |  |  |  |  |  | 872,671 |  |  | 17.0 |  |  |  |  |
Multifamily loans |  | 413,016 |  |  | 7.9 |  |  |  |  |  |  | 344,978 |  |  | 6.7 |  |  |  |  |
Total commercial real estate and multi-family residential loans |  | $ | 2,655,250 |  |  | 50.6 |  |  |  |  |  |  | $ | 2,592,520 |  |  | 50.6 |  |  |  |  |
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland |  | 153,904 |  |  | 2.9 |  |  |  |  |  |  | 156,609 |  |  | 3.1 |  |  |  |  |
Loans for agricultural production |  | 186,068 |  |  | 3.6 |  |  |  |  |  |  | 230,787 |  |  | 4.5 |  |  |  |  |
Total agri-business and agricultural loans |  | $ | 339,972 |  |  | 6.5 |  |  |  |  |  |  | $ | 387,396 |  |  | 7.6 |  |  |  |  |
Other commercial loans |  | 91,833 |  |  | 1.7 |  |  |  |  |  |  | 95,584 |  |  | 1.9 |  |  |  |  |
Total commercial loans |  | $ | 4,605,071 |  |  | 87.7 |  |  |  |  |  |  | $ | 4,526,365 |  |  | 88.4 |  |  |  |  |
Consumer 1-4 family mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans |  | 273,580 |  |  | 5.2 |  |  |  |  |  |  | 259,286 |  |  | 5.1 |  |  |  |  |
Open end and junior lien loans |  | 241,256 |  |  | 4.6 |  |  |  |  |  |  | 214,125 |  |  | 4.2 |  |  |  |  |
Residential construction and land development loans |  | 18,706 |  |  | 0.4 |  |  |  |  |  |  | 16,818 |  |  | 0.3 |  |  |  |  |
Total consumer 1-4 family mortgage loans |  | $ | 533,542 |  |  | 10.2 |  |  |  |  |  |  | $ | 490,229 |  |  | 9.6 |  |  |  |  |
Other consumer loans |  | 112,430 |  |  | 2.1 |  |  |  |  |  |  | 104,041 |  |  | 2.0 |  |  |  |  |
Total consumer loans |  | $ | 645,972 |  |  | 12.3 |  |  |  |  |  |  | $ | 594,270 |  |  | 11.6 |  |  |  |  |
Subtotal |  | $ | 5,251,043 |  |  | 100.0 | % |  |  |  |  |  | $ | 5,120,635 |  |  | 100.0 | % |  |  |  |
Less: Allowance for credit losses |  | (68,168) |  |  |  |  |  |  |  |  | (85,960) |  |  |  |  |  |  |
Net deferred loan fees |  | (2,424) |  |  |  |  |  |  |  |  | (2,687) |  |  |  |  |  |  |
Loans, net |  | $ | 5,180,451 |  |  |  |  |  |  |  |  | $ | 5,031,988 |  |  |  |  |  |  |
The recorded investment in loans does not include accrued interest, which totaled $21.0 million and $20.3 million as of September 30, 2025 and December 31, 2024, respectively. The Company h ad $1.2 million and $424,000 in residential real estate loans in the process of foreclosure as of September 30, 2025 and December 31, 2024, respectively.

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