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Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 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 June 30, 2025
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	39,670											$	—					$	—					$	1,251					$	40,921
CRE owner occupied			12,169												—						1						(592)						11,578
Multifamily			15,604												—						—						(507)						15,097
Farmland			4,737												—						—						2,151						6,888
Total commercial real estate loans			72,180												—						1						2,303						74,484
Consumer:
SFR 1-4 1st DT liens			10,995												—						—						140						11,135
SFR HELOCs and junior liens			11,650												—						4						367						12,021
Other			2,895												(200)						36						(569)						2,162
Total consumer loans			25,540												(200)						40						(62)						25,318
Commercial and industrial			17,561												(8,384)						60						787						10,024
Construction			10,346												—						—						649						10,995
Agriculture production			2,768												(11)						1						851						3,609
Leases			28												—						—						(3)						25
Allowance for credit losses on loans			128,423												(8,595)						102						4,525						124,455
Reserve for unfunded commitments			7,065												—						—						140						7,205
Total			$	135,488											$	(8,595)					$	102					$	4,665					$	131,660

			Allowance for credit losses – Six months ended June 30, 2025
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	37,229											$	—					$	—					$	3,692					$	40,921
CRE owner occupied			15,747												—						1						(4,170)						11,578
Multifamily			15,913												—						—						(816)						15,097
Farmland			3,960												—						—						2,928						6,888
Total commercial real estate loans			72,849												—						1						1,634						74,484
Consumer:
SFR 1-4 1st DT liens			14,227												—						—						(3,092)						11,135
SFR HELOCs and junior liens			10,411												—						16						1,594						12,021
Other			2,825												(317)						73						(419)						2,162
Total consumer loans			27,463												(317)						89						(1,917)						25,318
Commercial and industrial			14,397												(8,641)						166						4,102						10,024
Construction			7,224												—						—						3,771						10,995
Agriculture production			3,403												(11)						614						(397)						3,609
Leases			30												—						—						(5)						25
Allowance for credit losses on loans			125,366												(8,969)						870						7,188						124,455
Reserve for unfunded commitments			6,000												—						—						1,205						7,205
Total			$	131,366											$	(8,969)					$	870					$	8,393					$	131,660

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 June 30, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	36,687											$	—					$	—					$	468					$	37,155
CRE owner occupied			16,111												—						1						(239)						15,873
Multifamily			15,682												—						—						291						15,973
Farmland			3,695												—						—						336						4,031
Total commercial real estate loans			72,175												—						1						856						73,032
Consumer:
SFR 1-4 1st DT liens			14,140												—						—						464						14,604
SFR HELOCs and junior liens			9,942												(9)						51						103						10,087
Other			3,359												(118)						81						(339)						2,983
Total consumer loans			27,441												(127)						132						228						27,674
Commercial and industrial			11,867												(870)						261						870						12,128
Construction			9,162												—						—						(1,696)						7,466
Agriculture production			3,708												(613)						4						81						3,180
Leases			41												—						—						(4)						37
Allowance for credit losses on loans			124,394												(1,610)						398						335						123,517
Reserve for unfunded commitments			6,140												—						—						70						6,210
Total			$	130,534											$	(1,610)					$	398					$	405					$	129,727

			Allowance for credit losses – Six months ended June 30, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	35,077											$	—					$	—					$	2,078					$	37,155
CRE owner occupied			15,081												—						1						791						15,873
Multifamily			14,418												—						—						1,555						15,973
Farmland			4,288												—						—						(257)						4,031
Total commercial real estate loans			68,864												—						1						4,167						73,032
Consumer:
SFR 1-4 1st DT liens			14,009												(26)						—						621						14,604
SFR HELOCs and junior liens			10,273												(41)						100						(245)						10,087
Other			3,171												(368)						121						59						2,983
Total consumer loans			27,453												(435)						221						435						27,674
Commercial and industrial			12,750												(1,000)						283						95						12,128
Construction			8,856												—						—						(1,390)						7,466
Agriculture production			3,589												(1,450)						25						1,016						3,180
Leases			10												—						—						27						37
Allowance for credit losses on loans			121,522												(2,885)						530						4,350						123,517
Reserve for unfunded commitments			5,850												—						—						360						6,210
Total			$	127,372											$	(2,885)					$	530					$	4,710					$	129,727

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 June 30, 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			$	134,117					$	188,430					$	179,403					$	416,411					$	273,727					$	1,029,079					$	170,755					$	—					$	2,391,922
Special Mention			—						—						10,581						11,697						3,697						3,303						769						—						30,047
Substandard			—						—						—						—						459						16,521						—						—						16,980
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	134,117					$	188,430					$	189,984					$	428,108					$	277,883					$	1,048,903					$	171,524					$	—					$	2,438,949
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	81,231					$	81,017					$	74,029					$	184,347					$	169,546					$	331,432					$	48,361					$	—					$	969,963
Special Mention			—						137						364						1,917						242						4,349						—						—						7,009
Substandard			—						1,423						237						5,968						5,482						7,025						98						—						20,233
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	81,231					$	82,577					$	74,630					$	192,232					$	175,270					$	342,806					$	48,459					$	—					$	997,205
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			Term Loans Amortized Cost Basis by Origination Year – As of June 30, 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			$	27,059					$	69,743					$	27,703					$	172,501					$	290,906					$	396,828					$	40,268					$	—					$	1,025,008
Special Mention			—						—						—						—						—						205						3,393						—						3,598
Substandard			—						—						—						460						—						986						—						—						1,446
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	27,059					$	69,743					$	27,703					$	172,961					$	290,906					$	398,019					$	43,661					$	—					$	1,030,052
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	6,179					$	23,378					$	18,416					$	34,878					$	20,129					$	47,705					$	32,942					$	—					$	183,627
Special Mention			390						—						—						2,051						3,237						3,863						2,743						—						12,284
Substandard			—						—						3,616						9,682						24,117						14,110						17,090						—						68,615
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	6,569					$	23,378					$	22,032					$	46,611					$	47,483					$	65,678					$	52,775					$	—					$	264,526
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	38,151					$	55,570					$	98,686					$	165,908					$	232,105					$	241,674					$	—					$	4,937					$	837,031
Special Mention			—						—						—						291						1,555						1,036						—						316						3,198
Substandard			—						—						232						131						4,158						4,753						—						705						9,979
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	38,151					$	55,570					$	98,918					$	166,330					$	237,818					$	247,463					$	—					$	5,958					$	850,208
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass			$	909					$	—					$	—					$	—					$	—					$	60					$	370,873					$	5,663					$	377,505
Special Mention			—						—						—						—						—						1						6,877						449						7,327
Substandard			—						—						—						—						—						—						5,115						397						5,512
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	909					$	—					$	—					$	—					$	—					$	61					$	382,865					$	6,509					$	390,344
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
Other risk ratings
Pass			$	2,791					$	6,242					$	16,998					$	4,864					$	4,847					$	9,946					$	583					$	—					$	46,271
Special Mention			—						—						350						31						275						153						30						—						839
Substandard			6						66						247						292						145						271						2						—						1,029
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	2,797					$	6,308					$	17,595					$	5,187					$	5,267					$	10,370					$	615					$	—					$	48,139
Year-to-date gross charge-offs			$	234					$	59					$	15					$	—					$	—					$	4					$	5					$	—					$	317

			Term Loans Amortized Cost Basis by Origination Year – As of June 30, 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			$	30,259					$	48,377					$	45,473					$	64,950					$	44,046					$	8,818					$	213,219					$	99					$	455,241
Special Mention			81						308						879						1,539						525						9						2,776						—						6,117
Substandard			—						206						66						392						770						281						4,292						47						6,054
Doubtful/Loss			—						—						—						56						96						—						—						—						152
Total			$	30,340					$	48,891					$	46,418					$	66,937					$	45,437					$	9,108					$	220,287					$	146					$	467,564
Year-to-date gross charge-offs			$	198					$	95					$	—					$	—					$	—					$	—					$	8,348					$	—					$	8,641

Construction loans:
Construction risk ratings
Pass			$	9,339					$	63,699					$	131,262					$	71,438					$	13,897					$	13,371					$	—					$	—					$	303,006
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						885						529						500						—						—						1,914
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	9,339					$	63,699					$	131,262					$	72,323					$	14,426					$	13,871					$	—					$	—					$	304,920
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	606					$	907					$	1,248					$	1,797					$	581					$	6,696					$	143,967					$	—					$	155,802
Special Mention			—						—						—						—						—						191						2,605						—						2,796
Substandard			—						—						—						93						292						33						2,441						—						2,859
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	606					$	907					$	1,248					$	1,890					$	873					$	6,920					$	149,013					$	—					$	161,457
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	11					$	—					$	—					$	11

Leases:
Lease risk ratings
Pass			$	5,629					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	5,629
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	5,629					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	5,629
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	336,270					$	537,363					$	593,218					$	1,117,094					$	1,049,784					$	2,085,609					$	1,020,968					$	10,699					$	6,751,005
Special Mention			471						445						12,174						17,526						9,531						13,110						19,193						765						73,215
Substandard			6						1,695						4,398						17,903						35,952						44,480						29,038						1,149						134,621
Doubtful/Loss			—						—						—						56						96						—						—						—						152
Total			$	336,747					$	539,503					$	609,790					$	1,152,579					$	1,095,363					$	2,143,199					$	1,069,199					$	12,613					$	6,958,993
Year-to-date gross charge-offs			$	432					$	154					$	15					$	—					$	—					$	15					$	8,353					$	—					$	8,969

			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 June 30, 2025
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	4,871					$	33					$	3,009					$	7,913					$	2,431,036					$	2,438,949
CRE owner occupied			1,513						—						5,155						6,668						990,537						997,205
Multifamily			460						—						—						460						1,029,592						1,030,052
Farmland			—						—						14,339						14,339						250,187						264,526
Total commercial real estate loans			6,844						33						22,503						29,380						4,701,352						4,730,732
Consumer:
SFR 1-4 1st DT liens			118						132						1,079						1,329						848,879						850,208
SFR HELOCs and junior liens			2,926						818						1,749						5,493						384,851						390,344
Other			119						64						170						353						47,786						48,139
Total consumer loans			3,163						1,014						2,998						7,175						1,281,516						1,288,691
Commercial and industrial			491						230						1,183						1,904						465,660						467,564
Construction			—						529						1,334						1,863						303,057						304,920
Agriculture production			—						—						2,643						2,643						158,814						161,457
Leases			—						—						—						—						5,629						5,629
Total			$	10,498					$	1,806					$	30,661					$	42,965					$	6,916,028					$	6,958,993

			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 June 30, 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			$	3,548					$	3,548					$	—					$	3,017					$	3,017					$	—
CRE owner occupied			6,676						6,676						—						3,632						3,874						—
Multifamily			460						460						—						480						480						—
Farmland			27,017						35,811						—						12,483						16,195						—
Total commercial real estate loans			37,701						46,495						—						19,612						23,566						—
Consumer:
SFR 1-4 1st DT liens			5,567						6,376						—						5,979						5,979						—
SFR HELOCs and junior liens			4,268						4,786						—						3,370						3,868						—
Other			111						318						—						41						204						—
Total consumer loans			9,946						11,480						—						9,390						10,051						—
Commercial and industrial			899						1,700						198						830						9,707						59
Construction			1,914						1,914						—						57						57						—
Agriculture production			1,988						2,996						—						—						656						—
Leases			—						—						—						—						—						—
Sub-total			52,448						64,585						198						29,889						44,037						59
Less: Guaranteed loans			(1,051)						(1,082)						—						(828)						(816)						—
Total, net			$	51,397					$	63,503					$	198					$	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 June 30, 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			$	3,009					$	345					$	—					$	194					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	3,548
CRE owner occupied			6,341						243						—						91						—						—						—						—						—						—						—						6,675
Multifamily			—						—						—						—						460						—						—						—						—						—						—						460
Farmland			—						—						—						—						—						35,811						—						—						—						—						—						35,811
Total commercial real estate loans			9,350						588						—						285						460						35,811						—						—						—						—						—						46,494
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						6,376						—						—						—						—						6,376
SFR HELOCs and junior liens			—						—						—						—						—						—						1,643						2,923						—						—						—						4,566
Other			—						—						—						—						—						—						—						—						311						—						—						311
Total consumer loans			—						—						—						—						—						—						8,019						2,923						311						—						—						11,253
Commercial and industrial			—						—						—						—						—						—						—						—						—						727						973						1,700
Construction			—						—						—						1,414						—						—						500						—						—						—						—						1,914
Agriculture production			—						—						—						202						—						2,441						—						—						—						—						353						2,996
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	9,350					$	588					$	—					$	1,901					$	460					$	38,252					$	8,519					$	2,923					$	311					$	727					$	1,326					$	64,357

			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
			June 30, 2025																		June 30, 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
Multifamily			$	—					$	—					—		%				$	295					$	—					n/m
Commercial and industrial			—						—						—						166						—						n/m
Total			$	—					$	—					—		%				$	461					$	—					0.01		%

			For the six months ended
			June 30, 2025																		June 30, 2024
(in thousands)			Combination - Term Extension/Rate Change						Payment Delay/Term Extension						Total % of Loans Outstanding						Payment Delay/Term Extension						Combination - Term Extension/Rate Change						Total % of Loans Outstanding
Commercial real estate:
CRE non-owner occupied			$	—					$	—					—		%				$	—					$	211					n/m
Multifamily			—						—						—						295						—						n/m
SFR HELOCs and junior liens			—						—						—						41						—						n/m
Commercial and industrial			—						—						—						682						—						0.01		%
Total			$	—					$	—					—		%				$	1,018					$	211					0.02		%

There were no significant loan modifications made to borrowers experiencing financial difficulty during the three and six months ended June 30, 2025.

For the three months ended June 30, 2024:

Modification Type

Loan Type

Financial Effect

Payment delay / term extension

Multifamily

Added 12 months to the life of the loan

Payment delay / term extension

Commercial and industrial

Added a weighted average 60 months to the life of the loans

For the six months ended June 30, 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

Payment delay / term extension

Commercial and industrial

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

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