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v3.25.3

Loans and Leases (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Schedule of loans and leases | Loans and leases at September 30, 2025 and December 31, 2024 were as follows:
(In thousands) | 9/30/2025 | 12/31/2024
Commercial and industrial |  |
Agriculture | $ | 101,797 |  | $ | 110,007 |
Commercial and industrial other | 938,601 |  | 855,568 |
Subtotal commercial and industrial | 1,040,398 |  | 965,575 |
Commercial real estate |  |
Construction | 381,678 |  | 385,931 |
Agriculture | 226,656 |  | 217,582 |
Commercial real estate other | 2,964,330 |  | 2,776,304 |
Subtotal commercial real estate | 3,572,664 |  | 3,379,817 |
Residential real estate |  |
Home equity | 222,202 |  | 204,194 |
Mortgages | 1,357,654 |  | 1,366,646 |
Subtotal residential real estate | 1,579,856 |  | 1,570,840 |
Consumer and other |  |
Indirect | 90 |  | 229 |
Consumer and other | 88,773 |  | 96,163 |
Subtotal consumer and other | 88,863 |  | 96,392 |
Leases | 10,936 |  | 12,484 |
Total loans and leases | 6,292,717 |  | 6,025,108 |
Less: unearned income and deferred costs and fees | (4,646) |  | (5,186) |
Total loans and leases, net of unearned income and deferred costs and fees | $ | 6,288,071 |  | $ | 6,019,922 |
Schedule of age analysis of past due loans | The below tables are an age analysis of past due loans, segregated by class of loans and leases, as of September 30, 2025 and December 31, 2024:
(In thousands) | 30-59 Days | 60-89 Days | 90 Days or More | Total Past Due | Current Loans | Total Loans
September 30, 2025 |
Commercial and industrial |  |  |  |  |  |
Agriculture | $ | 5 |  | $ | 0 |  | $ | 0 |  | $ | 5 |  | $ | 101,792 |  | $ | 101,797
Commercial and industrial other | 3,268 |  | 388 |  | 2,903 |  | 6,559 |  | 932,042 |  | 938,601 |
Subtotal commercial and industrial | 3,273 |  | 388 |  | 2,903 |  | 6,564 |  | 1,033,834 |  | 1,040,398 |
Commercial real estate |  |  |  |  |  |
Construction | 0 |  | 1,360 |  | 17,302 |  | 18,662 |  | 363,016 |  | 381,678
Agriculture | 0 |  | 140 |  | 0 |  | 140 |  | 226,516 |  | 226,656
Commercial real estate other | 172 |  | 214 |  | 12,857 |  | 13,243 |  | 2,951,087 |  | 2,964,330
Subtotal commercial real estate | 172 |  | 1,714 |  | 30,159 |  | 32,045 |  | 3,540,619 |  | 3,572,664 |
Residential real estate |  |  |  |  |  |
Home equity | 47 |  | 0 |  | 2,065 |  | 2,112 |  | 220,090 |  | 222,202
Mortgages | 0 |  | 1,761 |  | 9,542 |  | 11,303 |  | 1,346,351 |  | 1,357,654
Subtotal residential real estate | 47 |  | 1,761 |  | 11,607 |  | 13,415 |  | 1,566,441 |  | 1,579,856 |
Consumer and other |  |  |  |  |  |
Indirect | 3 |  | 1 |  | 4 |  | 8 |  | 82 |  | 90
Consumer and other | 394 |  | 88 |  | 183 |  | 665 |  | 88,108 |  | 88,773
Subtotal consumer and other | 397 |  | 89 |  | 187 |  | 673 |  | 88,190 |  | 88,863 |
Leases | 0 |  | 0 |  | 0 |  | 0 |  | 10,936 |  | 10,936 |
Total loans and leases | 3,889 |  | 3,952 |  | 44,856 |  | 52,697 |  | 6,240,020 |  | 6,292,717 |
Less: unearned income and deferred costs and fees | 0 |  | 0 |  | 0 |  | 0 |  | (4,646) |  | (4,646) |
Total loans and leases, net of unearned income and deferred costs and fees | $ | 3,889 |  | $ | 3,952 |  | $ | 44,856 |  | $ | 52,697 |  | $ | 6,235,374 |  | $ | 6,288,071 |
(In thousands) | 30-59 Days | 60-89 Days | 90 Days or More | Total Past Due | Current Loans | Total Loans
December 31, 2024
Commercial and industrial |  |  |  |  |  |
Agriculture | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 110,007 |  | $ | 110,007 |
Commercial and industrial other | 3,944 |  | 32 |  | 684 |  | 4,660 |  | 850,908 |  | 855,568 |
Subtotal commercial and industrial | 3,944 |  | 32 |  | 684 |  | 4,660 |  | 960,915 |  | 965,575 |
Commercial real estate |  |  |  |  |  |
Construction | 1,120 |  | 17,400 |  | 0 |  | 18,520 |  | 367,411 |  | 385,931 |
Agriculture | 81 |  | 0 |  | 0 |  | 81 |  | 217,501 |  | 217,582 |
Commercial real estate other | 0 |  | 1,605 |  | 11,966 |  | 13,571 |  | 2,762,733 |  | 2,776,304 |
Subtotal commercial real estate | 1,201 |  | 19,005 |  | 11,966 |  | 32,172 |  | 3,347,645 |  | 3,379,817 |
Residential real estate |  |  |  |  |  |
Home equity | 955 |  | 91 |  | 1,811 |  | 2,857 |  | 201,337 |  | 204,194 |
Mortgages | 0 |  | 2,836 |  | 9,257 |  | 12,093 |  | 1,354,553 |  | 1,366,646 |
Subtotal residential real estate | 955 |  | 2,927 |  | 11,068 |  | 14,950 |  | 1,555,890 |  | 1,570,840 |
Consumer and other |  |  |  |  |  |
Indirect | 3 |  | 2 |  | 7 |  | 12 |  | 217 |  | 229 |
Consumer and other | 430 |  | 329 |  | 354 |  | 1,113 |  | 95,050 |  | 96,163 |
Subtotal consumer and other | 433 |  | 331 |  | 361 |  | 1,125 |  | 95,267 |  | 96,392 |
Leases | 0 |  | 0 |  | 0 |  | 0 |  | 12,484 |  | 12,484 |
Total loans and leases | 6,533 |  | 22,295 |  | 24,079 |  | 52,907 |  | 5,972,201 |  | 6,025,108 |
Less: unearned income and deferred costs and fees | 0 |  | 0 |  | 0 |  | 0 |  | (5,186) |  | (5,186) |
Total loans and leases, net of unearned income and deferred costs and fees | $ | 6,533 |  | $ | 22,295 |  | $ | 24,079 |  | $ | 52,907 |  | $ | 5,967,015 |  | $ | 6,019,922 |
Schedule of loans and leases on nonaccrual status | The following tables present the amortized cost basis of loans and leases on nonaccrual status and the amortized cost basis of loans on nonaccrual status for which there was no related allowance for credit losses. The below tables are an age analysis of nonaccrual loans segregated by class of loans and leases, as of September 30, 2025 and December 31, 2024:
(In thousands) | Nonaccrual Loans and Leases with no ACL | Nonaccrual Loans and Leases | Loans and Leases Past Due Over 89 Days and Accruing | Nonaccrual Loans and Leases with no ACL | Nonaccrual Loans and Leases | Loans and Leases Past Due Over 89 Days and Accruing
| September 30, 2025 | December 31, 2024
Commercial and industrial |  |  |  |  |  |
Agriculture | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 519 |  | $ | 0 |
Commercial and industrial other | 0 |  | 4,978 |  | 0 |  | 0 |  | 1,023 |  | 0 |
Subtotal commercial and industrial | 0 |  | 4,978 |  | 0 |  | 0 |  | 1,542 |  | 0 |
Commercial real estate |  |  |  |  |  |
Construction | 0 |  | 17,302 |  | 0 |  | 0 |  | 0 |  | 0 |
Agriculture | 0 |  | 95 |  | 0 |  | 0 |  | 129 |  | 0 |
Commercial real estate other | 6,543 |  | 13,725 |  | 0 |  | 24,179 |  | 32,461 |  | 0 |
Subtotal commercial real estate | 6,543 |  | 31,122 |  | 0 |  | 24,179 |  | 32,590 |  | 0 |
Residential real estate |  |  |  |  |  |
Home equity | 232 |  | 2,700 |  | 0 |  | 610 |  | 2,889 |  | 0 |
Mortgages | 2,272 |  | 13,911 |  | 1 |  | 1,338 |  | 13,389 |  | 9 |
Subtotal residential real estate | 2,504 |  | 16,611 |  | 1 |  | 1,948 |  | 16,278 |  | 9 |
Consumer and other |  |  |  |  |  |
Indirect | 0 |  | 4 |  | 0 |  | 0 |  | 13 |  | 0 |
Consumer and other | 0 |  | 90 |  | 165 |  | 0 |  | 125 |  | 314 |
Subtotal consumer and other | 0 |  | 94 |  | 165 |  | 0 |  | 138 |  | 314 |
Leases | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |
Total loans and leases | $ | 9,047 |  | $ | 52,805 |  | $ | 166 |  | $ | 26,127 |  | $ | 50,548 |  | $ | 323 |

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