XML 42 R32.htm IDEA: XBRL DOCUMENT v3.25.2

Loans (Tables)

6 Months Ended

Jun. 30, 2025

Loans

Schedule of loan portfolio composition including carrying value by segment

The tables below show the loan portfolio composition including carrying value by segment as of the dates shown. The carrying value of loans is net of discounts, fees, costs and fair value marks of $25.3 million and $30.1 million as of June 30, 2025 and December 31, 2024, respectively.

​

​	​	​	​	​
​	June 30, 2025
​	Total loans		​	% of total
Commercial	$	4,541,780	​	60.6%
Commercial real estate non-owner occupied	​	1,720,620	​	23.0%
Residential real estate	​	1,212,008	​	16.2%
Consumer	​	12,510	​	0.2%
Total	$	7,486,918	​	100.0%

​

​	​	​	​	​
​	December 31, 2024
​	Total loans		​	% of total
Commercial	$	4,670,430	​	60.2%
Commercial real estate non-owner occupied	​	1,812,338	​	23.4%
Residential real estate	​	1,253,838	​	16.2%
Consumer	​	14,537	​	0.2%
Total	$	7,751,143	​	100.0%

Schedule of information about delinquent and non-accrual loans

Information about delinquent and non-accrual loans is shown in the following tables at June 30, 2025 and December 31, 2024:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

June 30, 2025

​

​

​

​

​

Greater

​

​

​

​

​

​

​

​

​

​

30-89 days

​

than 90 days

​

​

​

Total past

​

​

​

​

​

​

past due and

​

past due and

​

Non-accrual

​

due and

​

​

​

​

​

​

accruing

​

accruing

​

loans

​

non-accrual

​

Current

​

Total loans

Commercial:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Commercial and industrial

​

$

8,958

​

$

788

​

$

23,253

​

$

32,999

​

$

1,897,530

​

$

1,930,529

Municipal and non-profit

​

​

—

​

​

—

​

​

—

​

​

—

​

​

1,125,595

​

​

1,125,595

Owner occupied commercial real estate

​

​

3,291

​

​

113

​

​

3,939

​

​

7,343

​

​

1,233,366

​

​

1,240,709

Food and agribusiness

​

​

738

​

​

4,257

​

​

611

​

​

5,606

​

​

239,341

​

​

244,947

Total commercial

​

​

12,987

​

​

5,158

​

​

27,803

​

​

45,948

​

​

4,495,832

​

​

4,541,780

Commercial real estate non-owner occupied:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Construction

​

​

—

​

​

—

​

​

—

​

​

—

​

​

234,953

​

​

234,953

Acquisition/development

​

​

337

​

​

—

​

​

—

​

​

337

​

​

60,388

​

​

60,725

Multifamily

​

​

—

​

​

—

​

​

—

​

​

—

​

​

320,176

​

​

320,176

Non-owner occupied

​

​

—

​

​

38

​

​

—

​

​

38

​

​

1,104,728

​

​

1,104,766

Total commercial real estate non-owner occupied

​

​

337

​

​

38

​

​

—

​

​

375

​

​

1,720,245

​

​

1,720,620

Residential real estate:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Senior lien

​

​

349

​

​

2,119

​

​

4,960

​

​

7,428

​

​

1,119,424

​

​

1,126,852

Junior lien

​

​

243

​

​

—

​

​

523

​

​

766

​

​

84,390

​

​

85,156

Total residential real estate

​

​

592

​

​

2,119

​

​

5,483

​

​

8,194

​

​

1,203,814

​

​

1,212,008

Consumer

​

​

7

​

​

—

​

​

50

​

​

57

​

​

12,453

​

​

12,510

Total loans

​

$

13,923

​

$

7,315

​

$

33,336

​

$

54,574

​

$

7,432,344

​

$

7,486,918

​

​	​	​	​	​	​	​	​	​	​
​	​	June 30, 2025
​	​	Non-accrual loans		​	Non-accrual loans		​	​
​	​	with a related		​	with no related		​	​
​	​	allowance for		​	allowance for		​	Non-accrual
​	​	credit loss		​	credit loss		​	loans
Commercial:	​	​	​	​	​	​	​	​	​
Commercial and industrial	​	$	18,024	​	$	5,229	​	$	23,253
Owner occupied commercial real estate	​	​	3,939	​	​	—	​	​	3,939
Food and agribusiness	​	​	25	​	​	586	​	​	611
Total commercial	​	​	21,988	​	​	5,815	​	​	27,803
Residential real estate:	​	​	​	​	​	​	​	​	​
Senior lien	​	​	3,008	​	​	1,952	​	​	4,960
Junior lien	​	​	523	​	​	—	​	​	523
Total residential real estate	​	​	3,531	​	​	1,952	​	​	5,483
Consumer	​	​	50	​	​	—	​	​	50
Total loans	​	$	25,569	​	$	7,767	​	$	33,336

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

December 31, 2024

​

​

​

​

​

Greater

​

​

​

​

​

​

​

​

​

​

30-89 days

​

than 90 days

​

​

​

Total past

​

​

​

​

​

​

past due and

​

past due and

​

Non-accrual

​

due and

​

​

​

​

​

​

accruing

​

accruing

​

loans

​

non-accrual

​

Current

​

Total loans

Commercial:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Commercial and industrial

​

$

20,290

​

$

5,492

​

$

21,950

​

$

47,732

​

$

1,948,093

​

$

1,995,825

Municipal and non-profit

​

​

—

​

​

—

​

​

—

​

​

—

​

​

1,107,142

​

​

1,107,142

Owner occupied commercial real estate

​

​

1,611

​

​

9,447

​

​

195

​

​

11,253

​

​

1,252,891

​

​

1,264,144

Food and agribusiness

​

​

—

​

​

—

​

​

587

​

​

587

​

​

302,732

​

​

303,319

Total commercial

​

​

21,901

​

​

14,939

​

​

22,732

​

​

59,572

​

​

4,610,858

​

​

4,670,430

Commercial real estate non-owner occupied:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Construction

​

​

—

​

​

—

​

​

—

​

​

—

​

​

250,335

​

​

250,335

Acquisition/development

​

​

—

​

​

—

​

​

—

​

​

—

​

​

82,862

​

​

82,862

Multifamily

​

​

—

​

​

—

​

​

—

​

​

—

​

​

320,781

​

​

320,781

Non-owner occupied

​

​

158

​

​

—

​

​

5,971

​

​

6,129

​

​

1,152,231

​

​

1,158,360

Total commercial real estate non-owner occupied

​

​

158

​

​

—

​

​

5,971

​

​

6,129

​

​

1,806,209

​

​

1,812,338

Residential real estate:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Senior lien

​

​

952

​

​

—

​

​

6,747

​

​

7,699

​

​

1,161,568

​

​

1,169,267

Junior lien

​

​

133

​

​

—

​

​

505

​

​

638

​

​

83,933

​

​

84,571

Total residential real estate

​

​

1,085

​

​

—

​

​

7,252

​

​

8,337

​

​

1,245,501

​

​

1,253,838

Consumer

​

​

20

​

​

1

​

​

39

​

​

60

​

​

14,477

​

​

14,537

Total loans

​

$

23,164

​

$

14,940

​

$

35,994

​

$

74,098

​

$

7,677,045

​

$

7,751,143

​

​	​	​	​	​	​	​	​	​	​
​	​	December 31, 2024
​	​	Non-accrual loans		​	Non-accrual loans		​	​
​	​	with a related		​	with no related		​	​
​	​	allowance for		​	allowance for		​	Non-accrual
​	​	credit loss		​	credit loss		​	loans
Commercial:	​	​	​	​	​	​	​	​	​
Commercial and industrial	​	$	12,746	​	$	9,204	​	$	21,950
Owner occupied commercial real estate	​	​	195	​	​	—	​	​	195
Food and agribusiness	​	​	1	​	​	586	​	​	587
Total commercial	​	​	12,942	​	​	9,790	​	​	22,732
Commercial real estate non-owner occupied:	​	​	​	​	​	​	​	​	​
Non-owner occupied	​	​	5,971	​	​	—	​	​	5,971
Total commercial real estate non-owner occupied	​	​	5,971	​	​	—	​	​	5,971
Residential real estate:	​	​	​	​	​	​	​	​	​
Senior lien	​	​	3,319	​	​	3,428	​	​	6,747
Junior lien	​	​	505	​	​	—	​	​	505
Total residential real estate	​	​	3,824	​	​	3,428	​	​	7,252
Consumer	​	​	39	​	​	—	​	​	39
Total loans	​	$	22,776	​	$	13,218	​	$	35,994

Schedule of the amortized cost basis and current period gross charge-offs for all loans as determined by the Company's internal risk rating system and year of origination

The amortized cost basis and current period gross charge-offs for all loans as determined by the Company’s internal risk rating system and year of origination are shown in the following tables as of and for the six months ended June 30, 2025 and the year ended December 31, 2024:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

June 30, 2025

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Revolving

​

Revolving

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

loans

​

loans

​

​

​

​

​

Origination year

​

amortized

​

converted

​

​

​

​

​

2025

​

2024

​

2023

​

2022

​

2021

​

Prior

​

cost basis

​

to term

​

Total

Commercial:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Commercial and industrial:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

$

201,967

​

$

406,076

​

$

122,810

​

$

277,615

​

$

164,429

​

$

116,572

​

$

427,861

​

$

2,963

​

$

1,720,293

Special mention

​

​

743

​

​

920

​

​

26,114

​

​

17,721

​

​

7,213

​

​

9,796

​

​

21,779

​

​

1,028

​

​

85,314

Substandard

​

​

1,812

​

​

15,384

​

​

38,754

​

​

8,442

​

​

21,877

​

​

3,676

​

​

29,935

​

​

—

​

​

119,880

Doubtful

​

​

—

​

​

350

​

​

1,906

​

​

2,124

​

​

123

​

​

539

​

​

—

​

​

—

​

​

5,042

Total commercial and industrial

​

​

204,522

​

​

422,730

​

​

189,584

​

​

305,902

​

​

193,642

​

​

130,583

​

​

479,575

​

​

3,991

​

​

1,930,529

Gross charge-offs: Commercial and industrial

​

​

—

​

​

3,042

​

​

7,075

​

​

—

​

​

36

​

​

941

​

​

—

​

​

—

​

​

11,094

Municipal and non-profit:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

27,173

​

​

113,549

​

​

149,482

​

​

139,247

​

​

212,200

​

​

448,744

​

​

35,200

​

​

—

​

​

1,125,595

Total municipal and non-profit

​

​

27,173

​

​

113,549

​

​

149,482

​

​

139,247

​

​

212,200

​

​

448,744

​

​

35,200

​

​

—

​

​

1,125,595

Owner occupied commercial real estate:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

41,711

​

​

275,011

​

​

194,283

​

​

189,077

​

​

123,560

​

​

293,687

​

​

18,965

​

​

997

​

​

1,137,291

Special mention

​

​

—

​

​

430

​

​

1,664

​

​

7,170

​

​

8,766

​

​

14,435

​

​

—

​

​

—

​

​

32,465

Substandard

​

​

—

​

​

27,063

​

​

—

​

​

22,117

​

​

14,256

​

​

5,564

​

​

848

​

​

—

​

​

69,848

Doubtful

​

​

—

​

​

—

​

​

—

​

​

689

​

​

—

​

​

416

​

​

—

​

​

—

​

​

1,105

Total owner occupied commercial real estate

​

​

41,711

​

​

302,504

​

​

195,947

​

​

219,053

​

​

146,582

​

​

314,102

​

​

19,813

​

​

997

​

​

1,240,709

Gross charge-offs: Owner occupied commercial real estate

​

​

—

​

​

—

​

​

2,266

​

​

883

​

​

—

​

​

303

​

​

—

​

​

—

​

​

3,452

Food and agribusiness:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

705

​

​

14,120

​

​

8,151

​

​

63,278

​

​

5,758

​

​

30,260

​

​

109,815

​

​

1,595

​

​

233,682

Special mention

​

​

—

​

​

—

​

​

—

​

​

3,848

​

​

2,599

​

​

176

​

​

—

​

​

—

​

​

6,623

Substandard

​

​

—

​

​

—

​

​

24

​

​

—

​

​

774

​

​

3,430

​

​

—

​

​

414

​

​

4,642

Total food and agribusiness

​

​

705

​

​

14,120

​

​

8,175

​

​

67,126

​

​

9,131

​

​

33,866

​

​

109,815

​

​

2,009

​

​

244,947

Total commercial

​

​

274,111

​

​

852,903

​

​

543,188

​

​

731,328

​

​

561,555

​

​

927,295

​

​

644,403

​

​

6,997

​

​

4,541,780

Gross charge-offs: Commercial

​

​

—

​

​

3,042

​

​

9,341

​

​

883

​

​

36

​

​

1,244

​

​

—

​

​

—

​

​

14,546

Commercial real estate non-owner occupied:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Construction:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

4,008

​

​

68,166

​

​

41,221

​

​

51,040

​

​

24,135

​

​

886

​

​

45,497

​

​

—

​

​

234,953

Total construction

​

​

4,008

​

​

68,166

​

​

41,221

​

​

51,040

​

​

24,135

​

​

886

​

​

45,497

​

​

—

​

​

234,953

Acquisition/development:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

3,661

​

​

16,502

​

​

3,946

​

​

24,438

​

​

2,295

​

​

8,334

​

​

189

​

​

—

​

​

59,365

Special mention

​

​

—

​

​

—

​

​

—

​

​

1,023

​

​

—

​

​

—

​

​

—

​

​

—

​

​

1,023

Substandard

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

337

​

​

—

​

​

—

​

​

337

Total acquisition/development

​

​

3,661

​

​

16,502

​

​

3,946

​

​

25,461

​

​

2,295

​

​

8,671

​

​

189

​

​

—

​

​

60,725

Multifamily:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

—

​

​

1,345

​

​

16,480

​

​

153,180

​

​

64,157

​

​

69,528

​

​

732

​

​

—

​

​

305,422

Special mention

​

​

—

​

​

—

​

​

6,455

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

6,455

Substandard

​

​

—

​

​

—

​

​

—

​

​

8,299

​

​

—

​

​

—

​

​

—

​

​

—

​

​

8,299

Total multifamily

​

​

—

​

​

1,345

​

​

22,935

​

​

161,479

​

​

64,157

​

​

69,528

​

​

732

​

​

—

​

​

320,176

Non-owner occupied:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

11,736

​

​

53,008

​

​

136,750

​

​

322,501

​

​

135,712

​

​

370,123

​

​

11,637

​

​

—

​

​

1,041,467

Special mention

​

​

—

​

​

—

​

​

—

​

​

12,502

​

​

11,774

​

​

5,789

​

​

—

​

​

—

​

​

30,065

Substandard

​

​

—

​

​

—

​

​

—

​

​

4,787

​

​

—

​

​

28,447

​

​

—

​

​

—

​

​

33,234

Total non-owner occupied

​

​

11,736

​

​

53,008

​

​

136,750

​

​

339,790

​

​

147,486

​

​

404,359

​

​

11,637

​

​

—

​

​

1,104,766

Gross charge-offs: Non-owner occupied

​

​

—

​

​

—

​

​

—

​

​

—

​

​

1,467

​

​

—

​

​

—

​

​

—

​

​

1,467

Total commercial real estate non-owner occupied

​

​

19,405

​

​

139,021

​

​

204,852

​

​

577,770

​

​

238,073

​

​

483,444

​

​

58,055

​

​

—

​

​

1,720,620

Gross charge-offs: Commercial real estate non-owner occupied

​

​

—

​

​

—

​

​

—

​

​

—

​

​

1,467

​

​

—

​

​

—

​

​

—

​

​

1,467

Residential real estate:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Senior lien:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

37,842

​

​

65,317

​

​

63,908

​

​

391,182

​

​

269,191

​

​

249,461

​

​

43,679

​

​

246

​

​

1,120,826

Special mention

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

14

​

​

—

​

​

—

​

​

14

Substandard

​

​

—

​

​

64

​

​

643

​

​

2,076

​

​

603

​

​

2,468

​

​

—

​

​

—

​

​

5,854

Doubtful

​

​

—

​

​

—

​

​

—

​

​

158

​

​

—

​

​

—

​

​

—

​

​

—

​

​

158

Total senior lien

​

​

37,842

​

​

65,381

​

​

64,551

​

​

393,416

​

​

269,794

​

​

251,943

​

​

43,679

​

​

246

​

​

1,126,852

Gross charge-offs: Senior lien

​

​

—

​

​

—

​

​

—

​

​

—

​

​

1

​

​

—

​

​

—

​

​

—

​

​

1

Junior lien:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

1,341

​

​

8,954

​

​

3,119

​

​

5,103

​

​

1,238

​

​

5,988

​

​

57,868

​

​

824

​

​

84,435

Special mention

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

27

​

​

—

​

​

—

​

​

27

Substandard

​

​

—

​

​

40

​

​

—

​

​

97

​

​

100

​

​

287

​

​

170

​

​

—

​

​

694

Total junior lien

​

​

1,341

​

​

8,994

​

​

3,119

​

​

5,200

​

​

1,338

​

​

6,302

​

​

58,038

​

​

824

​

​

85,156

Total residential real estate

​

​

39,183

​

​

74,375

​

​

67,670

​

​

398,616

​

​

271,132

​

​

258,245

​

​

101,717

​

​

1,070

​

​

1,212,008

Gross charge-offs: Residential real estate

​

​

—

​

​

—

​

​

—

​

​

—

​

​

1

​

​

—

​

​

—

​

​

—

​

​

1

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Consumer:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

2,570

​

​

3,327

​

​

1,402

​

​

912

​

​

610

​

​

421

​

​

3,120

​

​

98

​

​

12,460

Substandard

​

​

—

​

​

—

​

​

—

​

​

5

​

​

—

​

​

45

​

​

—

​

​

—

​

​

50

Total consumer

​

​

2,570

​

​

3,327

​

​

1,402

​

​

917

​

​

610

​

​

466

​

​

3,120

​

​

98

​

​

12,510

Gross charge-offs: Consumer

​

​

380

​

​

10

​

​

—

​

​

—

​

​

—

​

​

—

​

​

5

​

​

—

​

​

395

Total loans

​

$

335,269

​

$

1,069,626

​

$

817,112

​

$

1,708,631

​

$

1,071,370

​

$

1,669,450

​

$

807,295

​

$

8,165

​

$

7,486,918

Gross charge-offs: Total loans

​

$

380

​

$

3,052

​

$

9,341

​

$

883

​

$

1,504

​

$

1,244

​

$

5

​

$

—

​

$

16,409

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

December 31, 2024

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Revolving

​

Revolving

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

loans

​

loans

​

​

​

​

​

Origination year

​

amortized

​

converted

​

​

​

​

​

2024

​

2023

​

2022

​

2021

​

2020

​

Prior

​

cost basis

​

to term

​

Total

Commercial:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Commercial and industrial:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

$

445,993

​

$

181,920

​

$

332,246

​

$

215,561

​

$

51,902

​

$

92,115

​

$

468,752

​

$

2,614

​

$

1,791,103

Special mention

​

​

8,005

​

​

32,319

​

​

13,753

​

​

17,496

​

​

12,915

​

​

5,552

​

​

16,146

​

​

651

​

​

106,837

Substandard

​

​

13,417

​

​

34,320

​

​

8,909

​

​

21,575

​

​

3,011

​

​

2,020

​

​

8,982

​

​

387

​

​

92,621

Doubtful

​

​

1,250

​

​

1,159

​

​

1,490

​

​

17

​

​

975

​

​

373

​

​

—

​

​

—

​

​

5,264

Total commercial and industrial

​

​

468,665

​

​

249,718

​

​

356,398

​

​

254,649

​

​

68,803

​

​

100,060

​

​

493,880

​

​

3,652

​

​

1,995,825

Gross charge-offs: Commercial and industrial

​

​

—

​

​

2,028

​

​

—

​

​

26

​

​

155

​

​

156

​

​

—

​

​

—

​

​

2,365

Municipal and non-profit:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

116,551

​

​

152,183

​

​

137,249

​

​

217,362

​

​

73,399

​

​

378,561

​

​

29,747

​

​

—

​

​

1,105,052

Special mention

​

​

—

​

​

—

​

​

—

​

​

170

​

​

1,920

​

​

—

​

​

—

​

​

—

​

​

2,090

Total municipal and non-profit

​

​

116,551

​

​

152,183

​

​

137,249

​

​

217,532

​

​

75,319

​

​

378,561

​

​

29,747

​

​

—

​

​

1,107,142

Owner occupied commercial real estate:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

269,810

​

​

205,119

​

​

225,766

​

​

131,547

​

​

83,791

​

​

232,653

​

​

20,912

​

​

8,990

​

​

1,178,588

Special mention

​

​

430

​

​

1,664

​

​

13,798

​

​

23,482

​

​

268

​

​

12,744

​

​

—

​

​

—

​

​

52,386

Substandard

​

​

—

​

​

7,180

​

​

15,266

​

​

3,397

​

​

1,243

​

​

4,759

​

​

847

​

​

—

​

​

32,692

Doubtful

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

478

​

​

—

​

​

—

​

​

478

Total owner occupied commercial real estate

​

​

270,240

​

​

213,963

​

​

254,830

​

​

158,426

​

​

85,302

​

​

250,634

​

​

21,759

​

​

8,990

​

​

1,264,144

Gross charge-offs: Owner occupied commercial real estate

​

​

—

​

​

—

​

​

13

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

13

Food and agribusiness:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

14,727

​

​

9,884

​

​

68,909

​

​

6,587

​

​

5,940

​

​

33,081

​

​

156,113

​

​

344

​

​

295,585

Special mention

​

​

—

​

​

—

​

​

4,045

​

​

2,898

​

​

—

​

​

204

​

​

—

​

​

—

​

​

7,147

Substandard

​

​

—

​

​

—

​

​

—

​

​

586

​

​

—

​

​

1

​

​

—

​

​

—

​

​

587

Total food and agribusiness

​

​

14,727

​

​

9,884

​

​

72,954

​

​

10,071

​

​

5,940

​

​

33,286

​

​

156,113

​

​

344

​

​

303,319

Gross charge-offs: Food and agribusiness

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

2,704

​

​

—

​

​

—

​

​

2,704

Total commercial

​

​

870,183

​

​

625,748

​

​

821,431

​

​

640,678

​

​

235,364

​

​

762,541

​

​

701,499

​

​

12,986

​

​

4,670,430

Gross charge-offs: Commercial

​

​

—

​

​

2,028

​

​

13

​

​

26

​

​

155

​

​

2,860

​

​

—

​

​

—

​

​

5,082

Commercial real estate non-owner occupied:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Construction:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

55,139

​

​

59,137

​

​

54,735

​

​

33,859

​

​

917

​

​

—

​

​

46,548

​

​

—

​

​

250,335

Total construction

​

​

55,139

​

​

59,137

​

​

54,735

​

​

33,859

​

​

917

​

​

—

​

​

46,548

​

​

—

​

​

250,335

Acquisition/development:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

16,645

​

​

4,038

​

​

31,028

​

​

20,412

​

​

1,079

​

​

8,110

​

​

184

​

​

—

​

​

81,496

Special mention

​

​

—

​

​

—

​

​

1,072

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

1,072

Substandard

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

294

​

​

—

​

​

—

​

​

294

Total acquisition/development

​

​

16,645

​

​

4,038

​

​

32,100

​

​

20,412

​

​

1,079

​

​

8,404

​

​

184

​

​

—

​

​

82,862

Multifamily:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

1,363

​

​

16,470

​

​

138,872

​

​

70,419

​

​

45,700

​

​

31,034

​

​

853

​

​

—

​

​

304,711

Special mention

​

​

4,159

​

​

—

​

​

8,091

​

​

3,820

​

​

—

​

​

—

​

​

—

​

​

—

​

​

16,070

Total multifamily

​

​

5,522

​

​

16,470

​

​

146,963

​

​

74,239

​

​

45,700

​

​

31,034

​

​

853

​

​

—

​

​

320,781

Non-owner occupied:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

68,192

​

​

143,857

​

​

303,998

​

​

143,085

​

​

125,374

​

​

304,162

​

​

11,018

​

​

—

​

​

1,099,686

Special mention

​

​

5,246

​

​

1,298

​

​

17,272

​

​

12,184

​

​

—

​

​

16,009

​

​

—

​

​

—

​

​

52,009

Substandard

​

​

—

​

​

—

​

​

—

​

​

5,516

​

​

—

​

​

694

​

​

—

​

​

—

​

​

6,210

Doubtful

​

​

—

​

​

—

​

​

—

​

​

455

​

​

—

​

​

—

​

​

—

​

​

—

​

​

455

Total non-owner occupied

​

​

73,438

​

​

145,155

​

​

321,270

​

​

161,240

​

​

125,374

​

​

320,865

​

​

11,018

​

​

—

​

​

1,158,360

Gross charge-offs: Non-owner occupied

​

​

—

​

​

—

​

​

293

​

​

—

​

​

—

​

​

4,422

​

​

—

​

​

—

​

​

4,715

Total commercial real estate non-owner occupied

​

​

150,744

​

​

224,800

​

​

555,068

​

​

289,750

​

​

173,070

​

​

360,303

​

​

58,603

​

​

—

​

​

1,812,338

Gross charge-offs: Commercial real estate non-owner occupied

​

​

—

​

​

—

​

​

293

​

​

—

​

​

—

​

​

4,422

​

​

—

​

​

—

​

​

4,715

Residential real estate:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Senior lien:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

66,465

​

​

77,136

​

​

415,279

​

​

280,209

​

​

100,990

​

​

174,830

​

​

46,053

​

​

583

​

​

1,161,545

Special mention

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

16

​

​

—

​

​

—

​

​

16

Substandard

​

​

64

​

​

663

​

​

3,422

​

​

700

​

​

394

​

​

2,270

​

​

—

​

​

—

​

​

7,513

Doubtful

​

​

—

​

​

—

​

​

172

​

​

—

​

​

—

​

​

21

​

​

—

​

​

—

​

​

193

Total senior lien

​

​

66,529

​

​

77,799

​

​

418,873

​

​

280,909

​

​

101,384

​

​

177,137

​

​

46,053

​

​

583

​

​

1,169,267

Junior lien:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

6,870

​

​

3,498

​

​

4,614

​

​

1,789

​

​

1,964

​

​

5,488

​

​

59,331

​

​

311

​

​

83,865

Special mention

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

27

​

​

—

​

​

—

​

​

27

Substandard

​

​

44

​

​

—

​

​

240

​

​

—

​

​

89

​

​

134

​

​

172

​

​

—

​

​

679

Total junior lien

​

​

6,914

​

​

3,498

​

​

4,854

​

​

1,789

​

​

2,053

​

​

5,649

​

​

59,503

​

​

311

​

​

84,571

Total residential real estate

​

​

73,443

​

​

81,297

​

​

423,727

​

​

282,698

​

​

103,437

​

​

182,786

​

​

105,556

​

​

894

​

​

1,253,838

Consumer:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Pass

​

​

4,557

​

​

1,994

​

​

1,443

​

​

942

​

​

528

​

​

169

​

​

4,795

​

​

71

​

​

14,499

Substandard

​

​

—

​

​

—

​

​

—

​

​

—

​

​

—

​

​

38

​

​

—

​

​

—

​

​

38

Total consumer

​

​

4,557

​

​

1,994

​

​

1,443

​

​

942

​

​

528

​

​

207

​

​

4,795

​

​

71

​

​

14,537

Gross charge-offs: Consumer

​

​

877

​

​

23

​

​

30

​

​

3

​

​

—

​

​

48

​

​

—

​

​

—

​

​

981

Total loans

​

$

1,098,927

​

$

933,839

​

$

1,801,669

​

$

1,214,068

​

$

512,399

​

$

1,305,837

​

$

870,453

​

$

13,951

​

$

7,751,143

Gross charge-offs: Total loans

​

$

877

​

$

2,051

​

$

336

​

$

29

​

$

155

​

$

7,330

​

$

—

​

$

—

​

$

10,778

Schedule of collateral dependent loans

The amortized cost basis of collateral-dependent loans over $250 thousand was as follows at June 30, 2025 and December 31, 2024:

​

​	​	​	​	​	​	​	​	​	​
​	​	June 30, 2025
​	​	​	​	​	​	​	​	Total amortized
​	​	Real property		​	Business assets		​	cost basis
Commercial:	​	​	​	​	​	​	​	​	​
Commercial and industrial	​	$	3,686	​	$	13,392	​	$	17,078
Owner occupied commercial real estate	​	​	6,332	​	​	949	​	​	7,281
Food and agribusiness	​	​	520	​	​	66	​	​	586
Total commercial	​	​	10,538	​	​	14,407	​	​	24,945
Residential real estate:	​	​	​	​	​	​	​	​	​
Senior lien	​	​	2,306	​	​	—	​	​	2,306
Junior lien	​	​	222	​	​	—	​	​	222
Total residential real estate	​	​	2,528	​	​	—	​	​	2,528
Total loans	​	$	13,066	​	$	14,407	​	$	27,473

​

​	​	​	​	​	​	​	​	​	​
​	​	December 31, 2024
​	​	​	​	​	​	​	​	Total amortized
​	​	Real property		​	Business assets		​	cost basis
Commercial:	​	​	​	​	​	​	​	​	​
Commercial and industrial	​	$	6,281	​	$	4,924	​	$	11,205
Owner occupied commercial real estate	​	​	1,343	​	​	—	​	​	1,343
Food and agribusiness	​	​	586	​	​	—	​	​	586
Total commercial	​	​	8,210	​	​	4,924	​	​	13,134
Commercial real estate non-owner occupied:	​	​	​	​	​	​	​	​	​
Non-owner occupied	​	​	5,971	​	​	—	​	​	5,971
Total commercial real estate non-owner occupied	​	​	5,971	​	​	—	​	​	5,971
Residential real estate:	​	​	​	​	​	​	​	​	​
Senior lien	​	​	5,075	​	​	—	​	​	5,075
Junior lien	​	​	222	​	​	—	​	​	222
Total residential real estate	​	​	5,297	​	​	—	​	​	5,297
Total loans	​	$	19,478	​	$	4,924	​	$	24,402

Schedule of modified loans to borrowers experiencing financial difficulty

The following schedules present, by loan class, the amortized cost basis for loans to borrowers experiencing financial difficulty that remain outstanding and were modified within the three and six months ended June 30, 2025:

​

​	​	​	​	​	​	​	​	​	​	​
​	​	As of and for the three months ended June 30, 2025
​	​	Term extension				​	Payment delay
​	​	Amortized		​	% of loan	​	Amortized		​	% of loan
​	​	cost basis		​	class	​	cost basis		​	class
Commercial:	​	​	​	​	​	​	​	​	​	​
Commercial and industrial	​	$	1,488	​	0.1%	​	$	8,277	​	0.4%
Owner occupied commercial real estate	​	​	2,004	​	0.2%	​	​	—	​	0.0%
Total commercial	​	​	3,492	​	0.1%	​	​	8,277	​	0.2%
Total loans	​	$	3,492	​	0.0%	​	$	8,277	​	0.1%

​

​	​	​	​	​	​	​	​	​	​	​
​	​	As of and for the six months ended June 30, 2025
​	​	Term extension				​	Payment delay
​	​	Amortized		​	% of loan	​	Amortized		​	% of loan
​	​	cost basis		​	class	​	cost basis		​	class
Commercial:	​	​	​	​	​	​	​	​	​	​
Commercial and industrial	​	$	1,488	​	0.1%	​	$	11,657	​	0.6%
Owner occupied commercial real estate	​	​	2,004	​	0.2%	​	​	2,195	​	0.2%
Total commercial	​	​	3,492	​	0.1%	​	​	13,852	​	0.3%
Total loans	​	$	3,492	​	0.0%	​	$	13,852	​	0.2%

​

The following schedules present, by loan class, the amortized cost basis for loans to borrowers experiencing financial difficulty that remain outstanding and were modified within the three and six months ended June 30, 2024:

​

​	​	​	​	​	​	​	​	​	​	​
​	​	As of and for the three months ended June 30, 2024
​	​	​				​	Combination - interest rate
​	​	Term extension				​	reduction and term extension
​	​	Amortized		​	% of loan	​	Amortized		​	% of loan
​	​	cost basis		​	class	​	cost basis		​	class
Commercial:	​	​	​	​	​	​	​	​	​	​
Commercial and industrial	​	$	7,765	​	0.4%	​	$	—	​	0.0%
Total commercial	​	​	7,765	​	0.2%	​	​	—	​	0.0%
Commercial real estate non-owner occupied:	​	​	​	​	​	​	​	​	​	​
Non-owner occupied	​	​	171	​	0.0%	​	​	—	​	0.0%
Total commercial real estate non-owner occupied	​	​	171	​	0.0%	​	​	—	​	0.0%
Residential real estate:	​	​	​	​	​	​	​	​	​	​
Senior lien	​	​	—	​	0.0%	​	​	23	​	0.0%
Total residential real estate	​	​	—	​	0.0%	​	​	23	​	0.0%
Total loans	​	$	7,936	​	0.1%	​	$	23	​	0.0%

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

As of and for the six months ended June 30, 2024

​

​

​

​

​

​

​

​

​

Combination - interest rate

​

Combination - term extension

​

​

Term extension

​

Payment Delay

​

reduction and term extension

​

and payment delay

​

​

Amortized

​

% of loan

​

Amortized

​

% of loan

​

Amortized

​

% of loan

​

Amortized

​

% of loan

​

​

cost basis

​

class

​

cost basis

​

class

​

cost basis

​

class

​

cost basis

​

class

Commercial:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Commercial and industrial

​

$

7,765

​

0.4%

​

$

—

​

0.0%

​

$

—

​

0.0%

​

$

—

​

0.0%

Municipal and non-profit

​

​

—

​

0.0%

​

​

1,664

​

0.1%

​

​

—

​

0.0%

​

​

—

​

0.0%

Total commercial

​

​

7,765

​

0.2%

​

​

1,664

​

0.0%

​

​

—

​

0.0%

​

​

—

​

0.0%

Commercial real estate non-owner occupied:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Non-owner occupied

​

​

5,454

​

0.5%

​

​

—

​

0.0%

​

​

—

​

0.0%

​

​

—

​

0.0%

Total commercial real estate non-owner occupied

​

​

5,454

​

0.3%

​

​

—

​

0.0%

​

​

—

​

0.0%

​

​

—

​

0.0%

Residential real estate:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Senior lien

​

​

—

​

0.0%

​

​

857

​

0.1%

​

​

23

​

0.0%

​

​

382

​

0.0%

Total residential real estate

​

​

—

​

0.0%

​

​

857

​

0.1%

​

​

23

​

0.0%

​

​

382

​

0.0%

Total loans

​

$

13,219

​

0.2%

​

$

2,521

​

0.0%

​

$

23

​

0.0%

​

$

382

​

0.0%

Schedule of payment status of loans

The following schedules present, by loan class, the payment status of loans that have been modified in the last twelve months as of the dates presented on an amortized cost basis:

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

June 30, 2025

​

​

Current

​

30-89 days past due

​

90+ days past due

​

Non-accrual

Commercial:

​

​

​

​

​

​

​

​

​

​

​

​

Commercial and industrial

​

$

13,145

​

$

—

​

$

—

​

$

1,482

Owner occupied commercial real estate

​

​

2,195

​

​

—

​

​

—

​

​

2,004

Total commercial

​

​

15,340

​

​

—

​

​

—

​

​

3,486

Residential real estate:

​

​

​

​

​

​

​

​

​

​

​

​

Junior lien

​

​

—

​

​

—

​

​

—

​

​

40

Total loans

​

$

15,340

​

$

—

​

$

—

​

$

3,526

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

June 30, 2024

​

​

Current

​

30-89 days past due

​

90+ days past due

​

Non-accrual

Commercial:

​

​

​

​

​

​

​

​

​

​

​

​

Commercial and industrial

​

$

10,638

​

$

—

​

$

—

​

$

5,354

Owner occupied commercial real estate

​

​

1,664

​

​

—

​

​

—

​

​

—

Total commercial

​

​

12,302

​

​

—

​

​

—

​

​

5,354

Commercial real estate non-owner occupied:

​

​

​

​

​

​

​

​

​

​

​

​

Non-owner occupied

​

​

5,454

​

​

—

​

​

—

​

​

—

Total commercial real estate non-owner occupied

​

​

5,454

​

​

—

​

​

—

​

​

—

Residential real estate:

​

​

​

​

​

​

​

​

​

​

​

​

Senior lien

​

​

1,506

​

​

—

​

​

—

​

​

404

Total loans

​

$

19,262

​

$

—

​

$

—

​

$

5,758

Schedule of financial effect of the modifications made to borrowers experiencing financial difficulty

​

​	​	​	​	​	​	​	​	​
​	​	As of and for the three months ended June 30, 2025			​	As of and for the six months ended June 30, 2025
​	​	Financial effect			​	Financial effect
​	​	Term extension	​	Payment delay	​	Term extension	​	Payment delay
Commercial:	​	​	​	​	​	​	​	​
Commercial and industrial	​	Extended a weighted average of 1.0 year to the life of loans	​	Extended a weighted average of 0.5 years to the life of loans	​	Extended a weighted average of 1.0 year to the life of loans	​	Delayed payments for a weighted average of 0.5 years
Owner occupied commercial real estate	​	Extended a weighted average of 0.7 years to the life of loans	​	​	​	Extended a weighted average of 0.7 years to the life of loans	​	Delayed payments for a weighted average of 0.3 years

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

As of and for the three months ended June 30, 2024

​

As of and for the six months ended June 30, 2024

​

​

Financial effect

​

Financial effect

​

​

Term extension

​

Combination - Interest rate reduction and Term extension

​

Term extension

​

Payment delay

​

Combination - Interest rate reduction and Term extension

​

Combination - Term extension and Payment delay

Commercial:

​

​

​

​

​

​

​

​

​

​

​

​

Commercial and industrial

​

Extended a weighted average of 0.6 years to the life of loans

​

​

​

Extended a weighted average of 0.6 years to the life of loans

​

​

​

​

​

​

Owner occupied commercial real estate

​

​

​

​

​

​

​

Delayed payments for a weighted average of 0.5 years

​

​

​

​

Commercial real estate non-owner occupied:

​

​

​

​

​

​

​

​

​

​

​

​

Non-owner occupied

​

Extended a weighted average of 7.5 years to the life of loans

​

​

​

Extended a weighted average of 0.9 years to the life of loans

​

​

​

​

​

​

Residential real estate:

​

​

​

​

​

​

​

​

​

​

​

​

Senior lien

​

​

​

Reduced weighted average contractual interest rate by 1.5% and extended a weighted average life of 11 years

​

​

​

Delayed payments for a weighted average of 0.3 years

​

Reduced weighted average contractual interest rate by 1.5% and extended a weighted average life of 11 years

​

Extended a weighted average of 0.7 years to the life of loans and delayed payments for a weighted average of 0.7 years

​

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- Definition

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+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
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Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 2: http://www.xbrl.org/2003/role/exampleRef
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-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
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