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Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2023

Allowance For Loan And Lease Losses [Abstract]

Components of Allowance for Credit Losses

The table below sets forth the components of the Company’s allowance for credit losses as of the dates indicated:

(dollars in thousands)			December 31, 2023						December 31, 2022
Allowance for credit losses:
Qualitative and forecast factor allowance			$	84,291					$	70,777
Quantitative (Cohort) model allowance			34,139						32,489
Total allowance for credit losses			118,430						103,266
Allowance for individually evaluated loans			3,092						2,414
Total allowance for credit losses			$	121,522					$	105,680

Summary of Loans and Leases Purchased and Acquired with Credit Deterioration

The following table provides a summary of loans and leases purchased as part of the VRB acquisition with credit deterioration (PCD) at acquisition:

			As of March 25, 2022
(in thousands)			Commercial Real Estate						Consumer						Commercial and Industrial						Construction						Agriculture Production						Total
Par value			$	27,237					$	3,877					$	2,674					$	25,645					$	9,080					$	68,513
ACL at acquisition			(1,573)						(144)						(81)						(201)						(38)						(2,037)
Non-credit discount			(2,305)						(360)						(47)						(232)						(12)						(2,956)
Purchase price			$	23,359					$	3,373					$	2,546					$	25,212					$	9,030					$	63,520

Summary of Activity in Allowance for Loan Losses, and Ending Balance of Loans, Net of Unearned Fees for Periods Indicated

The following tables summarize the activity in the allowance for credit losses, and ending balance of loans, net of unearned fees for the periods indicated.

			Allowance for Credit Losses – December 31, 2023
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision for (Benefit from) Credit Losses						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	30,962											$	—					$	—					$	4,115					$	35,077
CRE owner occupied			14,014												(3,637)						2						4,702						15,081
Multifamily			13,132												—						—						1,286						14,418
Farmland			3,273												—						—						1,015						4,288
Total commercial real estate loans			61,381												(3,637)						2						11,118						68,864
Consumer:
SFR 1-4 1st DT liens			11,268												—						262						2,479						14,009
SFR HELOCs and junior liens			11,413												(66)						723						(1,797)						10,273
Other			1,958												(558)						190						1,581						3,171
Total consumer loans			24,639												(624)						1,175						2,263						27,453
Commercial and industrial			13,597												(3,879)						316						2,716						12,750
Construction			5,142												—						—						3,714						8,856
Agriculture production			906												—						34						2,649						3,589
Leases			15												—						—						(5)						10
Allowance for credit losses on loans			105,680												(8,140)						1,527						22,455						121,522
Reserve for unfunded commitments			4,315												—						—						1,535						5,850
Total			$	109,995											$	(8,140)					$	1,527					$	23,990					$	127,372

			Allowance for Credit Losses – December 31, 2022
(in thousands)			Beginning Balance						ACL on PCD Loans						Charge-offs						Recoveries						Provision for (Benefit from) Credit Losses						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	25,739					$	746					$	—					$	1					$	4,476					$	30,962
CRE owner occupied			10,691						63						—						2						3,258						14,014
Multifamily			12,395						—						—						—						737						13,132
Farmland			2,315						764						(294)						—						488						3,273
Total commercial real estate loans			51,140						1,573						(294)						3						8,959						61,381
Consumer:
SFR 1-4 1st DT liens			10,723						144						—						79						322						11,268
SFR HELOCs and junior liens			10,510						—						(22)						429						496						11,413
Other			2,241						—						(572)						235						54						1,958
Total consumer loans			23,474						144						(594)						743						872						24,639
Commercial and industrial			3,862						81						(697)						1,157						9,194						13,597
Construction			5,667						201						—						—						(726)						5,142
Agriculture production			1,215						38						—						4						(351)						906
Leases			18						—						—						—						(3)						15
Allowance for credit losses on loans			85,376						2,037						(1,585)						1,907						17,945						105,680
Reserve for unfunded commitments			3,790						—						—						—						525						4,315
Total			$	89,166					$	2,037					$	(1,585)					$	1,907					$	18,470					$	109,995

			Allowance for Credit Losses – December 31, 2021
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision for (Benefit from) Credit Losses						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	29,380											$	—					$	12					$	(3,653)					$	25,739
CRE owner occupied			10,861												(18)						794						(946)						10,691
Multifamily			11,472												—						—						923						12,395
Farmland			1,980												(126)						—						461						2,315
Total commercial real estate loans			53,693												(144)						806						(3,215)						51,140
Consumer:
SFR 1-4 1st DT liens			10,117												(145)						13						738						10,723
SFR HELOCs and junior liens			11,771												(29)						1,127						(2,359)						10,510
Other			3,260												(577)						361						(803)						2,241
Total consumer loans			25,148												(751)						1,501						(2,424)						23,474
Commercial and industrial			4,252												(1,470)						755						325						3,862
Construction			7,540												(27)						—						(1,846)						5,667
Agriculture production			1,209												—						24						(18)						1,215
Leases			5												—						—						13						18
Allowance for credit losses on loans			91,847												(2,392)						3,086						(7,165)						85,376
Reserve for unfunded commitments			3,400												—						—						390						3,790
Total			$	95,247											$	(2,392)					$	3,086					$	(6,775)					$	89,166

Schedule Credit Quality Indicators

The following tables present ending loan balances by loan category and risk grade for the periods indicated:

			Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2023
(in thousands)			2023						2022						2021						2020						2019						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	180,326					$	413,863					$	290,210					$	137,656					$	206,408					$	792,875					$	141,686					$	—					$	2,163,024
Special Mention			—						1,329						—						5,281						17,093						14,174						1,247						—						39,124
Substandard			—						—						767						—						2,139						12,540						212						—						15,658
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE non-owner occupied risk ratings			$	180,326					$	415,192					$	290,977					$	142,937					$	225,640					$	819,589					$	143,145					$	—					$	2,217,806
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	71,288					$	196,915					$	190,384					$	118,457					$	59,220					$	268,990					$	23,740					$	—					$	928,994
Special Mention			—						5,773						1,513						2,754						703						2,678						—						—						13,421
Substandard			—						2,972						7,835						—						111						3,107						—						—						14,025
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE owner occupied risk ratings			$	71,288					$	205,660					$	199,732					$	121,211					$	60,034					$	274,775					$	23,740					$	—					$	956,440
Current period gross charge-offs			$	—					$	—					$	—					$	1,380					$	—					$	2,228					$	29					$	—					$	3,637

			Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2023
(in thousands)			2023						2022						2021						2020						2019						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Commercial real estate:
Multifamily risk ratings
Pass			$	28,445					$	177,032					$	279,660					$	89,106					$	104,108					$	225,446					$	33,470					$	—					$	937,267
Special Mention			—						—						11,914						—						—						321						—						—						12,235
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total multifamily loans			$	28,445					$	177,032					$	291,574					$	89,106					$	104,108					$	225,767					$	33,470					$	—					$	949,502
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	21,729					$	46,398					$	37,134					$	16,006					$	16,780					$	41,663					$	50,857					$	—					$	230,567
Special Mention			—						2,170						5,802						51						261						734						—						—						9,018
Substandard			101						813						9,053						377						—						13,266						7,859						—						31,469
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total farmland loans			$	21,830					$	49,381					$	51,989					$	16,434					$	17,041					$	55,663					$	58,716					$	—					$	271,054
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	135,741					$	189,920					$	260,870					$	125,081					$	29,568					$	126,975					$	—					$	4,079					$	872,234
Special Mention			71						—						—						—						—						1,948						—						27						2,046
Substandard			—						140						1,296						1,490						531						5,265						—						436						9,158
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR 1st DT liens			$	135,812					$	190,060					$	262,166					$	126,571					$	30,099					$	134,188					$	—					$	4,542					$	883,438
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR HELOCs and Junior Liens risk ratings
Pass			$	297					$	—					$	—					$	—					$	—					$	96					$	343,698					$	6,444					$	350,535
Special Mention			—						—						—						—						—						—						2,274						138						2,412
Substandard			—						—						—						—						—						—						3,212						654						3,866
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR HELOCs and Junior Liens			$	297					$	—					$	—					$	—					$	—					$	96					$	349,184					$	7,236					$	356,813
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	66					$	66

Consumer loans:
Other risk ratings
Pass			$	34,441					$	9,061					$	8,908					$	7,419					$	6,825					$	4,619					$	659					$	—					$	71,932
Special Mention			21						54						203						63						54						37						18						—						450
Substandard			87						183						164						30						116						52						3						—						635
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total other consumer loans			$	34,549					$	9,298					$	9,275					$	7,512					$	6,995					$	4,708					$	680					$	—					$	73,017
Current period gross charge-offs			$	376					$	82					$	—					$	36					$	39					$	9					$	16					$	—					$	558

			Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2023
(in thousands)			2023						2022						2021						2020						2019						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	70,930					$	83,184					$	51,455					$	9,504					$	10,193					$	7,636					$	340,858					$	318					$	574,078
Special Mention			33						663						237						83						—						178						1,126						—						2,320
Substandard			—						2,014						782						103						4						762						6,318						74						10,057
Doubtful/Loss			—												—						—						—						—						—						—						—
Total commercial and industrial loans			$	70,963					$	85,861					$	52,474					$	9,690					$	10,197					$	8,576					$	348,302					$	392					$	586,455
Current period gross charge-offs			$	153					$	287					$	240					$	2,285					$	—					$	—					$	896					$	18					$	3,879

Construction loans:
Construction risk ratings
Pass			$	56,378					$	136,294					$	85,144					$	47,632					$	4,583					$	6,518					$	—					$	—					$	336,549
Special Mention			—						10,582						—						—						—						—						—						—						10,582
Substandard			—						—						—						—						67						—						—						—						67
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total construction loans			$	56,378					$	146,876					$	85,144					$	47,632					$	4,650					$	6,518					$	—					$	—					$	347,198
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	945					$	2,749					$	1,595					$	396					$	620					$	8,491					$	114,935					$	—					$	129,731
Special Mention			—						183						543						176						—						—						11,302						—						12,204
Substandard			—						—						—						—						—						—						2,562						—						2,562
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total agriculture production loans			$	945					$	2,932					$	2,138					$	572					$	620					$	8,491					$	128,799					$	—					$	144,497
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Leases:
Lease risk ratings
Pass			$	8,250					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	8,250
Special Mention																																																			—
Substandard																																																			—
Doubtful/Loss																																																			—
Total leases			$	8,250					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	8,250
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	608,770					$	1,255,416					$	1,205,360					$	551,257					$	438,305					$	1,483,309					$	1,049,903					$	10,841					$	6,603,161
Special Mention			125						20,754						20,212						8,408						18,111						20,070						15,967						165						103,812
Substandard			188						6,122						19,897						2,000						2,968						34,992						20,166						1,164						87,497
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total loans outstanding			$	609,083					$	1,282,292					$	1,245,469					$	561,665					$	459,384					$	1,538,371					$	1,086,036					$	12,170					$	6,794,470
Current period gross charge-offs			$	529					$	369					$	240					$	3,701					$	39					$	2,237					$	941					$	84					$	8,140

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2022
(in thousands)			2022						2021						2020						2019						2016						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	399,910					$	304,636					$	152,960					$	221,659					$	147,842					$	748,994					$	123,794					$	—					$	2,099,795
Special Mention			—						—						—						20,033						—						21,681						1,346						—						43,060
Substandard			—						864						768						—						1,059						4,179						—						—						6,870
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE non-owner occupied risk ratings			$	399,910					$	305,500					$	153,728					$	241,692					$	148,901					$	774,854					$	125,140					$	—					$	2,149,725

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	210,101					$	197,787					$	120,929					$	64,244					$	49,755					$	251,137					$	43,343					$	—					$	937,296
Special Mention			131						16,296						234						731						—						6,971						879						—						25,242
Substandard			3,213						—						5,249						1,893						1,103						10,654						157						—						22,269
Doubtful/Loss																																																			—
Total CRE owner occupied risk ratings			$	213,445					$	214,083					$	126,412					$	66,868					$	50,858					$	268,762					$	44,379					$	—					$	984,807

Commercial real estate:
Multifamily risk ratings
Pass			$	159,318					$	290,170					$	96,937					$	108,586					$	106,287					$	154,125					$	28,989					$	—					$	944,412
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						125						—						—						125
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total multifamily loans			$	159,318					$	290,170					$	96,937					$	108,586					$	106,287					$	154,250					$	28,989					$	—					$	944,537

Commercial real estate:
Farmland risk ratings
Pass			$	47,067					$	53,275					$	16,739					$	18,589					$	12,386					$	34,528					$	53,684					$	—					$	236,268
Special Mention			3,139						783						246						5,000						—						3,991						14,275						—						27,434
Substandard			—						—						1,772						765						3,158						7,094						3,523						—						16,312
Doubtful/Loss																																																			—
Total farmland loans			$	50,206					$	54,058					$	18,757					$	24,354					$	15,544					$	45,613					$	71,482					$	—					$	280,014

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	194,933					$	265,370					$	131,922					$	33,395					$	28,545					$	115,469					$	8					$	2,924					$	772,566
Special Mention			—						—						1,531						282						3,277						5,854						—						465						11,409
Substandard			—						1,204						—						—						1,004						3,521						—						645						6,374
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR 1st DT liens			$	194,933					$	266,574					$	133,453					$	33,677					$	32,826					$	124,844					$	8					$	4,034					$	790,349

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2022
(in thousands)			2022						2021						2020						2019						2016						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Consumer loans:
SFR HELOCs and Junior Liens risk ratings
Pass			$	505					$	—					$	—					$	—					$	—					$	127					$	378,939					$	8,462					$	388,033
Special Mention			—						—						—						—						—						—						1,842						81						1,923
Substandard			—						—						—						—						—						—						3,072						638						3,710
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR HELOCs and Junior Liens			$	505					$	—					$	—					$	—					$	—					$	127					$	383,853					$	9,181					$	393,666

Consumer loans:
Other risk ratings
Pass			$	14,070					$	12,990					$	10,211					$	10,650					$	5,225					$	1,945					$	899					$	—					$	55,990
Special Mention			—						18						77						135						176						32						47						—						485
Substandard			—						—						42						92						—						96						23						—						253
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total other consumer loans			$	14,070					$	13,008					$	10,330					$	10,877					$	5,401					$	2,073					$	969					$	—					$	56,728

Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	125,710					$	64,966					$	17,746					$	23,131					$	7,628					$	5,051					$	297,341					$	483					$	542,056
Special Mention			3,032						139						21						49						138						768						11,547						—						15,694
Substandard			1,293						1,142						5,179						14						33						611						3,798						101						12,171
Doubtful/Loss																																																			—
Total commercial and industrial loans			$	130,035					$	66,247					$	22,946					$	23,194					$	7,799					$	6,430					$	312,686					$	584					$	569,921

Construction loans:
Construction risk ratings
Pass			$	72,840					$	72,308					$	43,409					$	15,358					$	2,159					$	4,900					$	—					$	—					$	210,974
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						457						—						129						—						—						586
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total construction loans			$	72,840					$	72,308					$	43,409					$	15,815					$	2,159					$	5,029					$	—					$	—					$	211,560

Agriculture production loans:
Agriculture production risk ratings
Pass			$	3,414					$	2,777					$	1,149					$	1,104					$	8,902					$	1,058					$	38,425					$	—					$	56,829
Special Mention			—						—						—						—						90						31						1,632						—						1,753
Substandard			—						—						—						—						—						—						2,832						—						2,832
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total agriculture production loans			$	3,414					$	2,777					$	1,149					$	1,104					$	8,992					$	1,089					$	42,889					$	—					$	61,414

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2022
(in thousands)			2022						2021						2020						2019						2016						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Leases:
Lease risk ratings
Pass			$	7,726					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	7,726
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total leases			$	7,726					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	7,726

Total loans outstanding:
Risk ratings
Pass			$	1,235,594					$	1,264,279					$	592,002					$	496,716					$	368,729					$	1,317,334					$	965,422					$	11,869					$	6,251,945
Special Mention			6,302						17,236						2,109						26,230						3,681						39,328						31,568						546						127,000
Substandard			4,506						3,210						13,010						3,221						6,357						26,409						13,405						1,384						71,502
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total loans outstanding			$	1,246,402					$	1,284,725					$	607,121					$	526,167					$	378,767					$	1,383,071					$	1,010,395					$	13,799					$	6,450,447

Analysis of Past Due Loans

The following table shows the ending balance of current and past due originated loans by loan category as of the date indicated:

			Analysis of Past Due Loans - As of December 31, 2023
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	3,876					$	—					$	1,382					$	5,258					$	2,212,548					$	2,217,806
CRE owner occupied			34						—						247						281						956,159						956,440
Multifamily			—						—						—						—						949,502						949,502
Farmland			635						3,798						2,052						6,485						264,569						271,054
Total commercial real estate loans			4,545						3,798						3,681						12,024						4,382,778						4,394,802
Consumer:
SFR 1-4 1st DT liens			141						1,449						490						2,080						881,358						883,438
SFR HELOCs and junior liens			16						—						623						639						356,174						356,813
Other			148						40						30						218						72,799						73,017
Total consumer loans			305						1,489						1,143						2,937						1,310,331						1,313,268
Commercial and industrial			244						605						1,654						2,503						583,952						586,455
Construction			—						—						—						—						347,198						347,198
Agriculture production			593						878						33						1,504						142,993						144,497
Leases			447						—						—						447						7,803						8,250
Total			$	6,134					$	6,770					$	6,511					$	19,415					$	6,775,055					$	6,794,470

The following table shows the ending balance of current and past due originated loans by loan category as of the date indicated:

			Analysis of Past Due Loans - As of December 31, 2022
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	—					$	—					$	—					$	—					$	2,149,725					$	2,149,725
CRE owner occupied			—						98						75						173						984,634						984,807
Multifamily			159						—						—						159						944,378						944,537
Farmland			—						—						—						—						280,014						280,014
Total commercial real estate loans			159						98						75						332						4,358,751						4,359,083
Consumer:
SFR 1-4 1st DT liens			24						—						279						303						790,046						790,349
SFR HELOCs and junior liens			172						166						707						1,045						392,621						393,666
Other			26						34						55						115						56,613						56,728
Total consumer loans			222						200						1,041						1,463						1,239,280						1,240,743
Commercial and industrial			2,300						190						283						2,773						567,148						569,921
Construction			—						—						379						379						211,181						211,560
Agriculture production			—						—						—						—						61,414						61,414
Leases			—						—						—						—						7,726						7,726
Total			$	2,681					$	488					$	1,778					$	4,947					$	6,445,500					$	6,450,447

Schedule of Non Accrual Loans

The following table shows the ending balance of non accrual loans by loan category as of the date indicated:

			Non Accrual Loans
			As of December 31, 2023																		As of December 31, 2022
(in thousands)			Non accrual with no allowance for credit losses						Total non accrual						Past due 90 days or more and still accruing						Non accrual with no allowance for credit losses						Total non accrual						Past due 90 days or more and still accruing
Commercial real estate:
CRE non-owner occupied			$	2,024					$	2,024					$	—					$	1,739					$	1,739					$	—
CRE owner occupied			3,994						3,994						—						4,938						4,938						—
Multifamily			—						—						—						125						125						—
Farmland			5,996						14,484						—						1,772						1,772						—
Total commercial real estate loans			12,014						20,502						—						8,574						8,574						—
Consumer:
SFR 1-4 1st DT liens			2,808						2,811						—						4,117						4,220						—
SFR HELOCs and junior liens			3,281						3,571						—						2,498						3,155						—
Other			39						105						—						47						84						—
Total consumer loans			6,128						6,487						—						6,662						7,459						—
Commercial and industrial			1,379						2,503						10						1,224						3,518						—
Construction			67						67						—						491						491						—
Agriculture production			—						2,322						—						1,279						1,279						—
Leases			—						—						—						—						—						—
Sub-total			19,588						31,881						10						18,230						21,321						—
Less: Guaranteed loans			(766)						(878)						—						(105)						(225)						—
Total, net			$	18,822					$	31,003					$	10					$	18,125					$	21,096					$	—

Amortized Cost Basis of Collateral Dependent Loans, By Class of Loan

The following tables present the amortized cost basis of collateral dependent loans by class of loans as of the following periods:

			As of December 31, 2023
(in thousands)			Retail						Office						Warehouse						Other						Multifamily						Farmland						SFR -1st Deed						SFR -2nd Deed						Automobile/Truck						A/R and Inventory						Equipment						Total
Commercial real estate:
CRE non-owner occupied			$	124					$	615					$	519					$	766					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	2,024
CRE owner occupied			614						—						297						3,083						—						—						—						—						—						—						—						3,994
Multifamily			—						—						—						—						—						—						—						—						—						—						—						—
Farmland			—						—						—						635						—						13,849						—						—						—						—						—						14,484
Total commercial real estate loans			738						615						816						4,484						—						13,849						—						—						—						—												20,502
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						2,808						—						—						—						—						2,808
SFR HELOCs and junior liens			—						—						—						—						—						—						1,816						1,467						—						—						—						3,283
Other			—						—						—						—						—						—						—						—						95						—						—						95
Total consumer loans			—						—						—						—						—						—						4,624						1,467						95						—						—						6,186
Commercial and industrial			—						—						—						—						—						—						—						—						—						1,712						791						2,503
Construction			—						—						—						—						—						—						67						—						—						—						—						67
Agriculture production			—						—						—						2,288						—						—						—						—						—						—						33						2,321
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	738					$	615					$	816					$	6,772					$	—					$	13,849					$	4,691					$	1,467					$	95					$	1,712					$	824					$	31,579

			As of December 31, 2022
(in thousands)			Retail						Office						Warehouse						Other						Multifamily						Farmland						SFR -1st Deed						SFR -2nd Deed						Automobile/Truck						A/R and Inventory						Equipment						Total
Commercial real estate:
CRE non-owner occupied			$	777					$	98					$	—					$	864					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	1,739
CRE owner occupied			548						75						1,103						3,212						—						—						—						—						—						—						—						4,938
Multifamily			—						—						—						—						125						—						—						—						—						—						—						125
Farmland			—						—						—						—						—						1,772						—						—						—						—						—						1,772
Total commercial real estate loans			1,325						173						1,103						4,076						125						1,772						—						—						—						—						—						8,574
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						4,220						—						—						—						—						4,220
SFR HELOCs and junior liens			—						—						—						—						—						—						1,664						1,121						—						—						—						2,785
Other			—						—						—						5						—						—						—						—						61						—						2						68
Total consumer loans			—						—						—						5						—						—						5,884						1,121						61						—						2						7,073
Commercial and industrial			—						—						—						1,874						—						—						—						—						—						1,596						48						3,518
Construction			—						—						—						379						—						—						112						—						—						—						—						491
Agriculture production			—						—						—						—						—						—						—						—						—						—						1,279						1,279
Leases			—						—						—						—						—						—						—						—						—																		—
Total			$	1,325					$	173					$	1,103					$	6,334					$	125					$	1,772					$	5,996					$	1,121					$	61					$	1,596					$	1,329					$	20,935

The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivables is also presented below.

						For the twelve months ended December 31, 2023
(in thousands)						Principal Forgiveness						Payment Delay /Term Extension						Combination - Term Change / Available Credit Reduction						Combination - Payment Delay /Term Reduction						Total % of Loans Outstanding
Commercial real estate:
Farmland						$	—					$	—					$	—					$	1,430					0.53		%
Commercial and industrial						—						152						60						—						0.08		%
Total						$	—					$	152					$	60					$	1,430					0.61		%

The following table presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the twelve months ended December 31, 2023.

Twelve Months Ended

Modification Type

Loan Type

Financial Effect

Payment Delay / Extension

Commercial and industrial

Added 12 months to the life of the loan, which reduced the payment owed by the borrowers

Payment Delay / Extension

Commercial and industrial

Changed loan terms from fully amortizing to interest-only with balloon, which reduced the payment owed by the borrowers

Combination - Payment Delay / Term Reduction

Farmland

Changed loan terms from fully amortizing to interest-only with balloon, and reduced the loan maturity by 12 months, which reduced the loan payment owed by the borrowers

Combination - Term Change / Available Credit Reduction

Commercial and industrial

Added 60 months to the life of the loan to avoid balloon repayment and reduced available credit by $11000

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