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Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2024

Allowance For Loan And Lease Losses [Abstract]

Components of Allowance for Credit Losses

The remaining increase in the allowance for credit reserves related to quantitative metrics was largely driven by increases in classified loan balances and individual reserves on specific loans.

(dollars in thousands)			December 31, 2024						December 31, 2023
Allowance for credit losses:
Qualitative and forecast factor allowance			$	86,833					$	84,291
Quantitative (Cohort) model allowance			33,908						34,139
Total allowance for credit losses			120,741						118,430
Allowance for individually evaluated loans			4,625						3,092
Total allowance for credit losses			$	125,366					$	121,522

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, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision for (Benefit From) Credit Losses						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	35,077											$	—					$	187					$	1,965					$	37,229
CRE owner occupied			15,081												—						2						664						15,747
Multifamily			14,418												—						—						1,495						15,913
Farmland			4,288												—						—						(328)						3,960
Total commercial real estate loans			68,864												—						189						3,796						72,849
Consumer:
SFR 1-4 1st DT liens			14,009												(27)						—						245						14,227
SFR HELOCs and junior liens			10,273												(41)						395						(216)						10,411
Other			3,171												(746)						217						183						2,825
Total consumer loans			27,453												(814)						612						212						27,463
Commercial and industrial			12,750												(1,787)						547						2,887						14,397
Construction			8,856												—						—						(1,632)						7,224
Agriculture production			3,589												(1,450)						65						1,199						3,403
Leases			10												—						—						20						30
Allowance for credit losses on loans			121,522												(4,051)						1,413						6,482						125,366
Reserve for unfunded commitments			5,850												—						—						150						6,000
Total			$	127,372											$	(4,051)					$	1,413					$	6,632					$	131,366

			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

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, 2024
(in thousands)			2024						2023						2022						2021						2020						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	184,623					$	177,650					$	408,129					$	282,953					$	152,278					$	909,735					$	163,628					$	—					$	2,278,996
Special Mention			—						836						1,688						—						—						24,840						506						—						27,870
Substandard			—						—						—						—						—						16,170						—						—						16,170
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE non-owner occupied risk ratings			$	184,623					$	178,486					$	409,817					$	282,953					$	152,278					$	950,745					$	164,134					$	—					$	2,323,036
Current year gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	83,320					$	75,804					$	191,619					$	177,134					$	104,490					$	254,282					$	35,961					$	—					$	922,610
Special Mention			1,618						—						2,699						1,731						206						11,950						—						—						18,204
Substandard			—						242						7,798						5,380						3,490						3,644						47						—						20,601
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE owner occupied risk ratings			$	84,938					$	76,046					$	202,116					$	184,245					$	108,186					$	269,876					$	36,008					$	—					$	961,415
Current year gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Multifamily risk ratings
Pass			$	65,376					$	27,904					$	171,470					$	294,317					$	117,889					$	289,229					$	44,816					$	—					$	1,011,001
Special Mention			—						—						—						11,926						—						207						3,393						—						15,526
Substandard			—						—						480						—						554						474						—						—						1,508
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total multifamily loans			$	65,376					$	27,904					$	171,950					$	306,243					$	118,443					$	289,910					$	48,209					$	—					$	1,028,035
Current year gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	23,780					$	18,205					$	45,582					$	20,832					$	15,066					$	36,909					$	44,083					$	—					$	204,457
Special Mention			—						—						2,057						7,944						47						3,764						1,356						—						15,168
Substandard			—						2,770						—						20,414						—						10,416						11,921						—						45,521
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total farmland loans			$	23,780					$	20,975					$	47,639					$	49,190					$	15,113					$	51,089					$	57,360					$	—					$	265,146
Current year gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2024
(in thousands)			2024						2023						2022						2021						2020						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	60,203					$	113,467					$	173,217					$	241,388					$	115,915					$	137,361					$	—					$	3,952					$	845,503
Special Mention			—						—						60						—						—						892						—						239						1,191
Substandard			—						244						137						3,467						2,092						6,393						—						633						12,966
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR 1st DT liens			$	60,203					$	113,711					$	173,414					$	244,855					$	118,007					$	144,646					$	—					$	4,824					$	859,660
Current year gross charge-offs			$	—					$	27					$	—					$	—					$	—					$	—					$	—					$	—					$	27

Consumer loans:
SFR HELOCs and Junior Liens risk ratings
Pass			$	236					$	—					$	—					$	—					$	—					$	68					$	345,902					$	5,799					$	352,005
Special Mention			—						—						—						—						—						4						6,082						327						6,413
Substandard			—						—						—						—						—						—						4,579						423						5,002
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR HELOCs and Junior Liens			$	236					$	—					$	—					$	—					$	—					$	72					$	356,563					$	6,549					$	363,420
Current year gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	41					$	—					$	41

Consumer loans:
Other risk ratings
Pass			$	10,371					$	21,746					$	5,891					$	6,059					$	4,917					$	6,991					$	610					$	—					$	56,585
Special Mention			—						63						34						227						107						41						21						—						493
Substandard			37						152						304						111						2						294						1						—						901
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total other consumer loans			$	10,408					$	21,961					$	6,229					$	6,397					$	5,026					$	7,326					$	632					$	—					$	57,979
Current year gross charge-offs			$	385					$	88					$	40					$	74					$	37					$	108					$	14					$	—					$	746

Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	73,321					$	49,921					$	61,634					$	48,255					$	3,721					$	8,463					$	203,978					$	150					$	449,443
Special Mention			137						775						1,970						63						275						851						3,197						—						7,268
Substandard			272						35						682						728						—						596						12,200						47						14,560
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total commercial and industrial loans			$	73,730					$	50,731					$	64,286					$	49,046					$	3,996					$	9,910					$	219,375					$	197					$	471,271
Current year gross charge-offs			$	389					$	—					$	178					$	95					$	24					$	—					$	1,101					$	—					$	1,787

			Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2024
(in thousands)			2024						2023						2022						2021						2020						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Construction loans:
Construction risk ratings
Pass			$	36,031					$	124,759					$	80,269					$	11,354					$	6,714					$	7,359					$	—					$	—					$	266,486
Special Mention			—						—						13,390						—						—						—						—						—						13,390
Substandard			—						—						—						—						—						57						—						—						57
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total construction loans			$	36,031					$	124,759					$	93,659					$	11,354					$	6,714					$	7,416					$	—					$	—					$	279,933
Current year gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	265					$	1,434					$	2,297					$	905					$	175					$	7,477					$	133,115					$	—					$	145,668
Special Mention			—						—						—						—						2						218						5,192						—						5,412
Substandard			—						—						138						485						107						12						—						—						742
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total agriculture production loans			$	265					$	1,434					$	2,435					$	1,390					$	284					$	7,707					$	138,307					$	—					$	151,822
Current year gross charge-offs			$	—					$	—					$	173					$	—					$	—					$	—					$	1,277					$	—					$	1,450

Leases:
Lease risk ratings
Pass			$	6,806					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	6,806
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total leases			$	6,806					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	6,806
Current year gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	544,332					$	610,890					$	1,140,108					$	1,083,197					$	521,165					$	1,657,874					$	972,093					$	9,901					$	6,539,560
Special Mention			1,755						1,674						21,898						21,891						637						42,767						19,747						566						110,935
Substandard			309						3,443						9,539						30,585						6,245						38,056						28,748						1,103						118,028
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total loans outstanding			$	546,396					$	616,007					$	1,171,545					$	1,135,673					$	528,047					$	1,738,697					$	1,020,588					$	11,570					$	6,768,523
Current year gross charge-offs			$	774					$	115					$	391					$	169					$	61					$	108					$	2,433					$	—					$	4,051

			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
Prior year 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
Prior year gross charge-offs			$	—					$	—					$	—					$	1,380					$	—					$	2,228					$	29					$	—					$	3,637

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
Prior year 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
Prior year 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
Prior year gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			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
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
Prior year 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
Prior year gross charge-offs			$	376					$	82					$	—					$	36					$	39					$	9					$	16					$	—					$	558

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
Prior year 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
Prior year gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			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
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
Prior year gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Leases:
Lease risk ratings
Pass			$	8,250					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	8,250
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total leases			$	8,250					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	8,250
Prior year 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
Prior year gross charge-offs			$	529					$	369					$	240					$	3,701					$	39					$	2,237					$	941					$	84					$	8,140

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, 2024
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	221					$	—					$	2,452					$	2,673					$	2,320,363					$	2,323,036
CRE owner occupied			1,625						85						3,619						5,329						956,086						961,415
Multifamily			1,120						—						—						1,120						1,026,915						1,028,035
Farmland			2,686						113						6,145						8,944						256,202						265,146
Total commercial real estate loans			5,652						198						12,216						18,066						4,559,566						4,577,632
Consumer:
SFR 1-4 1st DT liens			—						6						1,556						1,562						858,098						859,660
SFR HELOCs and junior liens			201						852						1,078						2,131						361,289						363,420
Other			50						—						132						182						57,797						57,979
Total consumer loans			251						858						2,766						3,875						1,277,184						1,281,059
Commercial and industrial			537						308						9,257						10,102						461,169						471,271
Construction			—						—						—						—						279,933						279,933
Agriculture production			37						317						314						668						151,154						151,822
Leases			—						—						—						—						6,806						6,806
Total			$	6,477					$	1,681					$	24,553					$	32,711					$	6,735,812					$	6,768,523

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

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, 2024																		As of December 31, 2023
(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			$	3,017					$	3,017					$	—					$	2,024					$	2,024					$	—
CRE owner occupied			3,632						3,874						—						3,994						3,994						—
Multifamily			480						480						—						—						—						—
Farmland			12,483						16,195						—						5,996						14,484						—
Total commercial real estate loans			19,612						23,566						—						12,014						20,502						—
Consumer:
SFR 1-4 1st DT liens			5,979						5,979						—						2,808						2,811						—
SFR HELOCs and junior liens			3,370						3,868						—						3,281						3,571						—
Other			41						204						—						39						105						—
Total consumer loans			9,390						10,051						—						6,128						6,487						—
Commercial and industrial			830						9,707						59						1,379						2,503						10
Construction			57						57						—						67						67						—
Agriculture production			—						656						—						—						2,322						—
Leases			—						—						—						—						—						—
Sub-total			29,889						44,037						59						19,588						31,881						10
Less: Guaranteed loans			(828)						(816)						—						(766)						(878)						—
Total, net			$	29,061					$	43,221					$	59					$	18,822					$	31,003					$	10

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, 2024
(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			$	2,452					$	356					$	—					$	210					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	3,018
CRE owner occupied			—						260						142						3,472						—						—						—						—						—						—						—						3,874
Multifamily			—						—						—						—						480						—						—						—						—						—						—						480
Farmland			—						—						—						—						—						16,448						—						—						—						—						—						16,448
Total commercial real estate loans			2,452						616						142						3,682						480						16,448						—						—						—						—						—						23,820
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						5,979						—						—						—						—						5,979
SFR HELOCs and junior liens			—						—						—						—						—						—						1,291						2,079						—						—						—						3,370
Other			—						—						—						—						—						—						—						—						132						—						—						132
Total consumer loans			—						—						—						—						—						—						7,270						2,079						132						—						—						9,481
Commercial and industrial			—						—						—						8,334						—						—						—						54						—						530						788						9,706
Construction			—						—						—						—						—						—						57						—						—						—						—						57
Agriculture production			—						—						—						—						—						—						—						—						—						—						12						12
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	2,452					$	616					$	142					$	12,016					$	480					$	16,448					$	7,327					$	2,133					$	132					$	530					$	800					$	43,076

			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

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, 2024
(in thousands)						Combination - Term Extension / Rate Change						Payment Delay / Extension						Total % of Loans Outstanding
Commercial real estate:
CRE non-owner occupied						$	211					$	—					0.01		%
CRE owner occupied						219						—						0.02		%
Multifamily						—						295						0.03		%
Total commercial real estate loans						430						295						0.02		%
Consumer:
SFR HELOCs and junior liens						—						41						0.01		%
Total consumer loans						—						41						nm
Commercial and industrial						—						1,008						0.21		%
Total						$	430					$	1,344					0.03		%

The following table presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the twelve months ended December 31, 2024:

Twelve Months Ended

Modification Type

Loan Type

Financial Effect

Combination - term extension / rate change

CRE non-owner occupied

Added 120 months to the life of the loan; converted from variable to fixed interest rate

Combination - term extension / rate change

CRE owner occupied

Added 24 months to the life of the loan; converted from variable to fixed

Payment delay / term extension

Multifamily

Added 12 months to the life of the loan

Payment delay / term extension

SFR HELOCs and junior liens

Added 60 months to the life of the loan

Payment delay / term extension

Commercial and industrial

Added a weighted average 53 months to the life of the loans

						For the twelve months ended December 31, 2023
(in thousands)						Payment Delay /Extension						Combination - Term Change / Available Credit Reduction						Combination - Payment Delay / Term Reduction						For the Total % of Loans Outstanding
Commercial real estate:
Farmland						$	—					$	—					$	1,430					0.53		%
Commercial and industrial						152						60						—						0.08		%
Total						$	152					$	60					$	1,430					0.02		%

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

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

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 - 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

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