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Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Allowance For Loan And Lease Losses [Abstract]

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

For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:

			Allowance for credit losses – Three months ended March 31, 2025
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	37,229											$	—					$	—					$	2,441					$	39,670
CRE owner occupied			15,747												—						—						(3,578)						12,169
Multifamily			15,913												—						—						(309)						15,604
Farmland			3,960												—						—						777						4,737
Total commercial real estate loans			72,849												—						—						(669)						72,180
Consumer:
SFR 1-4 1st DT liens			14,227												—						—						(3,232)						10,995
SFR HELOCs and junior liens			10,411												—						12						1,227						11,650
Other			2,825												(117)						37						150						2,895
Total consumer loans			27,463												(117)						49						(1,855)						25,540
Commercial and industrial			14,397												(257)						106						3,315						17,561
Construction			7,224												—						—						3,122						10,346
Agriculture production			3,403												—						613						(1,248)						2,768
Leases			30												—						—						(2)						28
Allowance for credit losses on loans			125,366												(374)						768						2,663						128,423
Reserve for unfunded commitments			6,000												—						—						1,065						7,065
Total			$	131,366											$	(374)					$	768					$	3,728					$	135,488

For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:

			Allowance for credit losses – Year ended December 31, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						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 – Three months ended March 31, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	35,077											$	—					$	—					$	1,610					$	36,687
CRE owner occupied			15,081												—						—						1,030						16,111
Multifamily			14,418												—						—						1,264						15,682
Farmland			4,288												—						—						(593)						3,695
Total commercial real estate loans			68,864												—						—						3,311						72,175
Consumer:
SFR 1-4 1st DT liens			14,009												(26)						—						157						14,140
SFR HELOCs and junior liens			10,273												(32)						49						(348)						9,942
Other			3,171												(250)						40						398						3,359
Total consumer loans			27,453												(308)						89						207						27,441
Commercial and industrial			12,750												(130)						22						(775)						11,867
Construction			8,856												—						—						306						9,162
Agriculture production			3,589												(837)						21						935						3,708
Leases			10												—						—						31						41
Allowance for credit losses on loans			121,522												(1,275)						132						4,015						124,394
Reserve for unfunded commitments			5,850												—						—						290						6,140
Total			$	127,372											$	(1,275)					$	132					$	4,305					$	130,534

Schedule Credit Quality Indicators

Based on the most recent analysis performed, the risk category of loans by class of loans is as follows for the period indicated:

			Term Loans Amortized Cost Basis by Origination Year – As of March 31, 2025																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2025						2024						2023						2022						2021						Prior
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	59,706					$	188,087					$	178,114					$	409,236					$	279,739					$	1,045,371					$	157,779					$	—					$	2,318,032
Special Mention			—						—						—						10,019						—						13,962						619						—						24,600
Substandard			—						—						—						—						401						16,071						—						—						16,472
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	59,706					$	188,087					$	178,114					$	419,255					$	280,140					$	1,075,404					$	158,398					$	—					$	2,359,104
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	39,967					$	80,483					$	74,563					$	186,614					$	172,890					$	345,903					$	44,065					$	—					$	944,485
Special Mention			—						—						—						2,684						1,981						13,364						—						—						18,029
Substandard			—						1,619						607						8,088						5,334						8,461						98						—						24,207
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	39,967					$	82,102					$	75,170					$	197,386					$	180,205					$	367,728					$	44,163					$	—					$	986,721
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			Term Loans Amortized Cost Basis by Origination Year – As of March 31, 2025																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2025						2024						2023						2022						2021						Prior
Commercial real estate:
Multifamily risk ratings
Pass			$	1,632					$	67,344					$	27,796					$	173,508					$	291,952					$	402,241					$	45,091					$	—					$	1,009,564
Special Mention			—						—						—						—						11,928						206						3,393						—						15,527
Substandard			—						—						—						467						—						1,008						—						—						1,475
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	1,632					$	67,344					$	27,796					$	173,975					$	303,880					$	403,455					$	48,484					$	—					$	1,026,566
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	3,575					$	23,544					$	18,174					$	34,943					$	18,015					$	48,392					$	31,288					$	—					$	177,931
Special Mention			—						—						—						11,995						5,723						3,804						7,752						—						29,274
Substandard			—						—						3,621						—						25,130						15,986						10,113						—						54,850
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	3,575					$	23,544					$	21,795					$	46,938					$	48,868					$	68,182					$	49,153					$	—					$	262,055
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	11,589					$	57,632					$	107,288					$	170,864					$	238,223					$	250,552					$	—					$	4,899					$	841,047
Special Mention			—						—						—						297						880						583						—						188						1,948
Substandard			—						—						244						134						3,425						5,025						—						896						9,724
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	11,589					$	57,632					$	107,532					$	171,295					$	242,528					$	256,160					$	—					$	5,983					$	852,719
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass			$	228					$	—					$	—					$	—					$	—					$	64					$	355,955					$	5,494					$	361,741
Special Mention			—						—						—						—						—						2						6,062						320						6,384
Substandard			—						—						—						—						—						—						5,436						409						5,845
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	228					$	—					$	—					$	—					$	—					$	66					$	367,453					$	6,223					$	373,970
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
Other risk ratings
Pass			$	2,249					$	7,173					$	19,728					$	5,487					$	5,527					$	10,939					$	575					$	—					$	51,678
Special Mention			—						—						79						33						283						161						28						—						584
Substandard			—						36						150						297						158						285						1						—						927
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	2,249					$	7,209					$	19,957					$	5,817					$	5,968					$	11,385					$	604					$	—					$	53,189
Year-to-date gross charge-offs			$	117					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	117

			Term Loans Amortized Cost Basis by Origination Year – As of March 31, 2025																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2025						2024						2023						2022						2021						Prior
Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	19,766					$	61,687					$	45,889					$	56,931					$	40,051					$	10,529					$	199,654					$	112					$	434,619
Special Mention			—						272						694						1,283						61						645						5,049						—						8,004
Substandard			—						235						132						1,129						885						400						11,738						47						14,566
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	19,766					$	62,194					$	46,715					$	59,343					$	40,997					$	11,574					$	216,441					$	159					$	457,189
Year-to-date gross charge-offs			$	162					$	95					$	—					$	—					$	—					$	—					$	—					$	—					$	257

Construction loans:
Construction risk ratings
Pass			$	5,144					$	47,129					$	139,445					$	81,548					$	10,774					$	13,696					$	—					$	—					$	297,736
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						529						54						—						—						583
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	5,144					$	47,129					$	139,445					$	81,548					$	11,303					$	13,750					$	—					$	—					$	298,319
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	—					$	654					$	1,377					$	2,003					$	731					$	7,541					$	126,852					$	—					$	139,158
Special Mention			—						—						—						—						—						220						1,673						—						1,893
Substandard			—						—						—						107						362						67						3,001						—						3,537
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	—					$	654					$	1,377					$	2,110					$	1,093					$	7,828					$	131,526					$	—					$	144,588
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Leases:
Lease risk ratings
Pass			$	6,354					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	6,354
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	6,354					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	6,354
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	150,210					$	533,733					$	612,374					$	1,121,134					$	1,057,902					$	2,135,228					$	961,259					$	10,505					$	6,582,345
Special Mention			—						272						773						26,311						20,856						32,947						24,576						508						106,243
Substandard			—						1,890						4,754						10,222						36,224						47,357						30,387						1,352						132,186
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	150,210					$	535,895					$	617,901					$	1,157,667					$	1,114,982					$	2,215,532					$	1,016,222					$	12,365					$	6,820,774
Year-to-date gross charge-offs			$	279					$	95					$	—					$	—					$	—					$	—					$	—					$	—					$	374

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2019						Prior
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			$	184,623					$	178,486					$	409,817					$	282,953					$	152,278					$	950,745					$	164,134					$	—					$	2,323,036
Period end gross write-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			$	84,938					$	76,046					$	202,116					$	184,245					$	108,186					$	269,876					$	36,008					$	—					$	961,415
Period end gross write-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			$	65,376					$	27,904					$	171,950					$	306,243					$	118,443					$	289,910					$	48,209					$	—					$	1,028,035
Period end gross write-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			$	23,780					$	20,975					$	47,639					$	49,190					$	15,113					$	51,089					$	57,360					$	—					$	265,146
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

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			$	60,203					$	113,711					$	173,414					$	244,855					$	118,007					$	144,646					$	—					$	4,824					$	859,660
Period end gross write-offs			$	—					$	27					$	—					$	—					$	—					$	—					$	—					$	—					$	27

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2019						Prior
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			$	236					$	—					$	—					$	—					$	—					$	72					$	356,563					$	6,549					$	363,420
Period end gross write-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			$	10,408					$	21,961					$	6,229					$	6,397					$	5,026					$	7,326					$	632					$	—					$	57,979
Period end gross write-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			$	73,730					$	50,731					$	64,286					$	49,046					$	3,996					$	9,910					$	219,375					$	197					$	471,271
Period end gross write-offs			$	389					$	—					$	178					$	95					$	24					$	—					$	1,101					$	—					$	1,787

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			$	36,031					$	124,759					$	93,659					$	11,354					$	6,714					$	7,416					$	—					$	—					$	279,933
Period end gross write-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			$	265					$	1,434					$	2,435					$	1,390					$	284					$	7,707					$	138,307					$	—					$	151,822
Period end gross write-offs			$	—					$	—					$	173					$	—					$	—					$	—					$	1,277					$	—					$	1,450

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2019						Prior
Leases:
Lease risk ratings
Pass			$	6,806					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	6,806
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	6,806					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	6,806
Period end gross write-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			$	546,396					$	616,007					$	1,171,545					$	1,135,673					$	528,047					$	1,738,697					$	1,020,588					$	11,570					$	6,768,523
Period end gross write-offs			$	774					$	115					$	391					$	169					$	61					$	108					$	2,433					$	—					$	4,051

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 March 31, 2025
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	394					$	442					$	2,449					$	3,285					$	2,355,819					$	2,359,104
CRE owner occupied			7,152						1,804						3,617						12,573						974,148						986,721
Multifamily			—						—						—						—						1,026,566						1,026,566
Farmland			—						513						8,918						9,431						252,624						262,055
Total commercial real estate loans			7,546						2,759						14,984						25,289						4,609,157						4,634,446
Consumer:
SFR 1-4 1st DT liens			1,950						41						659						2,650						850,069						852,719
SFR HELOCs and junior liens			369						765						1,675						2,809						371,161						373,970
Other			146						2						198						346						52,843						53,189
Total consumer loans			2,465						808						2,532						5,805						1,274,073						1,279,878
Commercial and industrial			539						548						9,560						10,647						446,542						457,189
Construction			—						—						—						—						298,319						298,319
Agriculture production			—						3,012						—						3,012						141,576						144,588
Leases			—						—						—						—						6,354						6,354
Total			$	10,550					$	7,127					$	27,076					$	44,753					$	6,776,021					$	6,820,774

			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

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 March 31, 2025																		As of December 31, 2024
(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			$	3,004					$	3,004					$	—					$	3,017					$	3,017					$	—
CRE owner occupied			5,339						5,339						—						3,632						3,874						—
Multifamily			467						467						—						480						480						—
Farmland			13,274						21,472						—						12,483						16,195						—
Total commercial real estate loans			22,084						30,282						—						19,612						23,566						—
Consumer:
SFR 1-4 1st DT liens			5,867						5,867						—						5,979						5,979						—
SFR HELOCs and junior liens			4,480						4,708						—						3,370						3,868						—
Other			106						262						—						41						204						—
Total consumer loans			10,453						10,837						—						9,390						10,051						—
Commercial and industrial			989						10,076						144						830						9,707						59
Construction			54						54						—						57						57						—
Agriculture production			3,451						3,461						—						—						656						—
Leases			—						—						—						—						—						—
Sub-total			37,031						54,710						144						29,889						44,037						59
Less: Guaranteed loans			(826)						(854)						—						(828)						(816)						—
Total, net			$	36,205					$	53,856					$	144					$	29,061					$	43,221					$	59

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 March 31, 2025
(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			$	2,449					$	353					$	—					$	202					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	3,004
CRE owner occupied			1,619						252						—						3,468						—						—						—						—						—						—						—						5,339
Multifamily			—						—						—						—						467						—						—						—						—						—						—						467
Farmland			—						—						—						—						—						21,472						—						—						—						—						—						21,472
Total commercial real estate loans			4,068						605						—						3,670						467						21,472						—						—						—						—						—						30,282
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						5,867						—						—						—						—						5,867
SFR HELOCs and junior liens			—						—						—						—						—						—						1,661						2,819						—						—						—						4,480
Other			—						—						—						—						—						—						—						—						261						—						—						261
Total consumer loans			—						—						—						—						—						—						7,528						2,819						261						—						—						10,608
Commercial and industrial			—						—						—						8,382						—						—						—						—						—						745						949						10,076
Construction			—						—						—						—						—						—						54						—						—						—						—						54
Agriculture production			—						—						—						—						—						3,001						—						—						—						—						460						3,461
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	4,068					$	605					$	—					$	12,052					$	467					$	24,473					$	7,582					$	2,819					$	261					$	745					$	1,409					$	54,481

			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

The following tables show the amortized cost basis of loans that were both experiencing financial difficulty and modified during the periods presented. 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 three months ended
			March 31, 2025																		March 31, 2024
(in thousands)			Combination - Term Extension/Rate Change						Payment Delay/Term Extension						Total % of Loans Outstanding						Payment Delay/Term Extension						Payment Delay/Term Reduction						Total % of Loans Outstanding
Commercial real estate:
CRE non-owner occupied			$	—					$	—					—		%				$	211					$	—					0.03		%
SFR HELOCs and junior liens			—						—						—						—						41						0.01
Commercial and industrial			—						—						—						—						516						0.07
Total			$	—					$	—					—		%				$	211					$	557					0.11		%

There were no loan modifications made to borrowers experiencing financial difficulty during the three months ended March 31, 2025.

The following table presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the three months ended March 31, 2024.

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

Payment delay / term extension

SFR HELOCs and junior liens

Added 60 months to the life of the loan to amortize balloon repayment

Payment delay / term extension

Commercial and industrial

Added 66 months to the life of the loan to amortize balloon repayment

Payment delay / term extension

Commercial and industrial

Added 12 months to the life of the loan; to amortize balloon repayment

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