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v3.25.3

Loans, Balance in ACL (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024
Balance in ACL [Roll Forward] |  |  |  |  |
Beginning balance | $ 57,825 | $ 52,148 | $ 54,968 | $ 49,543 | $ 49,543
Provision charged to expense | 4,058 | 2,736 | 9,843 | 8,364 |
Losses charged off | (4,024) | (2,736) | (9,274) | (8,239) |
Recoveries | 1,276 | 1,212 | 3,598 | 3,692 |
Ending balance | 59,135 | 53,360 | 59,135 | 53,360 | 54,968
Commercial [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Losses charged off |  |  | (2,272) |  | (1,476)
Ending balance | 1,100 |  | 1,100 |  |
Commercial [Member] | Hotel/Motel [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Beginning balance | 5,604 | 4,447 | 5,208 | 4,592 | 4,592
Provision charged to expense | 20 | 581 | 416 | 436 |
Losses charged off | 0 | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Ending balance | 5,624 | 5,028 | 5,624 | 5,028 | 5,208
Commercial [Member] | Commercial Real Estate Residential [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Beginning balance | 6,480 | 4,349 | 5,467 | 4,285 | 4,285
Provision charged to expense | 60 | 139 | 1,122 | 189 |
Losses charged off | (65) | 0 | (124) | 0 | 0
Recoveries | 5 | 5 | 15 | 19 |
Ending balance | 6,480 | 4,493 | 6,480 | 4,493 | 5,467
Commercial [Member] | Commercial Real Estate Nonresidential [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Beginning balance | 11,457 | 8,706 | 10,307 | 7,560 | 7,560
Provision charged to expense | 1,905 | 388 | 3,049 | 1,481 |
Losses charged off | (1,000) | 0 | (1,002) | 0 | 0
Recoveries | 3 | 6 | 11 | 59 |
Ending balance | 12,365 | 9,100 | 12,365 | 9,100 | 10,307
Commercial [Member] | Dealer Floorplans [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Beginning balance | 507 | 561 | 682 | 659 | 659
Provision charged to expense | 107 | 78 | (68) | (20) |
Losses charged off | 0 | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Ending balance | 614 | 639 | 614 | 639 | 682
Commercial [Member] | Commercial Other [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Beginning balance | 3,711 | 3,385 | 3,832 | 3,760 | 3,760
Provision charged to expense | (98) | 53 | 550 | 316 |
Losses charged off | (191) | (278) | (1,146) | (1,124) |
Recoveries | 79 | 228 | 265 | 436 |
Ending balance | 3,501 | 3,388 | 3,501 | 3,388 | 3,832
Residential [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Losses charged off |  |  | (249) |  | (205)
Residential [Member] | Real Estate Mortgage [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Beginning balance | 12,953 | 11,840 | 12,504 | 10,197 | 10,197
Provision charged to expense | 726 | 651 | 1,240 | 2,327 |
Losses charged off | (162) | (37) | (242) | (88) |
Recoveries | 8 | 6 | 23 | 24 |
Ending balance | 13,525 | 12,460 | 13,525 | 12,460 | 12,504
Residential [Member] | Home Equity Lines [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Beginning balance | 1,604 | 1,318 | 1,499 | 1,367 | 1,367
Provision charged to expense | 17 | 63 | 116 | 6 |
Losses charged off | 0 | (40) | (7) | (40) | (80)
Recoveries | 2 | 5 | 15 | 13 |
Ending balance | 1,623 | 1,346 | 1,623 | 1,346 | 1,499
Consumer [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Losses charged off |  |  | (6,753) |  | (8,822)
Consumer [Member] | Consumer Direct [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Beginning balance | 2,131 | 3,604 | 2,221 | 3,261 | 3,261
Provision charged to expense | 115 | 65 | 312 | 999 |
Losses charged off | (313) | (249) | (780) | (971) | (1,220)
Recoveries | 119 | 43 | 299 | 174 |
Ending balance | 2,052 | 3,463 | 2,052 | 3,463 | 2,221
Consumer [Member] | Consumer Indirect [Member] |  |  |  |  |
Balance in ACL [Roll Forward] |  |  |  |  |
Beginning balance | 13,378 | 13,938 | 13,248 | 13,862 | 13,862
Provision charged to expense | 1,206 | 718 | 3,106 | 2,630 |
Losses charged off | (2,293) | (2,132) | (5,973) | (6,016) | (7,602)
Recoveries | 1,060 | 919 | 2,970 | 2,967 |
Ending balance | $ 13,351 | $ 13,443 | $ 13,351 | $ 13,443 | $ 13,248

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