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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Loans by portfolio segment

Loans in the accompanying consolidated balance sheets are classified as follows (in thousands):

						December 31, 2024						December 31, 2023
Real estate loans:
Construction						$	537,827					$	789,744
1-4 family residential						740,396						696,738
Commercial						2,579,735						2,168,451
Commercial loans						363,167						366,893
Municipal loans						390,968						441,168
Loans to individuals						49,504						61,516
Total loans						4,661,597						4,524,510
Less: Allowance for loan losses						44,884						42,674
Net loans						$	4,616,713					$	4,481,836

Summary of loans by credit quality indicators and origination year

The following tables set forth the amortized cost basis by class of financing receivable and credit quality indicator for the periods presented (in thousands):

December 31, 2024			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
			2024						2023						2022						2021						2020						Prior
Construction real estate:
Pass			$	130,555					$	122,724					$	46,499					$	17,710					$	3,564					$	5,923					$	132,096					$	459,071
Pass watch			209						—						59,700						—						574						591						16,999						78,073
Special mention			—						—						—						429						—						72						—						501
Substandard			—						112						—						59						—						—						—						171
Doubtful			—						—						—						—						—						11						—						11
Total construction real estate			$	130,764					$	122,836					$	106,199					$	18,198					$	4,138					$	6,597					$	149,095					$	537,827
Current period gross charge-offs			$	—					$	24					$	—					$	—					$	—					$	—					$	—					$	24
1-4 family residential real estate:
Pass			$	43,040					$	65,458					$	153,335					$	139,048					$	106,116					$	226,550					$	1,524					$	735,071
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						505						—						—						—						505
Substandard			50						225						—						225						1,326						2,833						—						4,659
Doubtful			—						—						—						—						—						161						—						161
Total 1-4 family residential real estate			$	43,090					$	65,683					$	153,335					$	139,778					$	107,442					$	229,544					$	1,524					$	740,396
Current period gross charge-offs			$	—					$	31					$	—					$	—					$	10					$	220					$	—					$	261
Commercial real estate:
Pass			$	363,370					$	410,213					$	632,216					$	509,927					$	132,562					$	223,551					$	41,568					$	2,313,407
Pass watch			—						11,953						65,206						22,440						4,090						24,599						983						129,271
Special mention			3,983						—						79,280						175						—						13,232						—						96,670
Substandard			—						—						27,994						6,409						250						5,649						—						40,302
Doubtful			—						—						—						—						—						85						—						85
Total commercial real estate			$	367,353					$	422,166					$	804,696					$	538,951					$	136,902					$	267,116					$	42,551					$	2,579,735
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	78					$	—					$	78
Commercial loans:
Pass			$	83,118					$	51,895					$	39,449					$	13,887					$	5,875					$	3,091					$	155,671					$	352,986
Pass watch			—						30						603						787						29						513						4,972						6,934
Special mention			—						327						29						83						—						101						180						720
Substandard			365						99						281						137						22						1						1,100						2,005
Doubtful			31						244						134						61						—						52						—						522
Total commercial loans			$	83,514					$	52,595					$	40,496					$	14,955					$	5,926					$	3,758					$	161,923					$	363,167
Current period gross charge-offs			$	24					$	462					$	590					$	85					$	—					$	12					$	—					$	1,173
Municipal loans:
Pass			$	1,949					$	34,398					$	57,862					$	64,041					$	41,115					$	188,309					$	—					$	387,674
Pass watch			—						—						—						—						892						2,402						—						3,294
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Total municipal loans			$	1,949					$	34,398					$	57,862					$	64,041					$	42,007					$	190,711					$	—					$	390,968
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Loans to individuals:
Pass			$	18,765					$	10,881					$	7,719					$	5,949					$	2,900					$	949					$	2,215					$	49,378
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						—						—						—						—						—
Substandard			—						2						28						—						—						4						1						35
Doubtful			—						8						67						2						8						6						—						91
Total loans to individuals			$	18,765					$	10,891					$	7,814					$	5,951					$	2,908					$	959					$	2,216					$	49,504
Current period gross charge-offs (1)			$	1,655					$	34					$	43					$	26					$	33					$	33					$	—					$	1,824
Total loans			$	645,435					$	708,569					$	1,170,402					$	781,874					$	299,323					$	698,685					$	357,309					$	4,661,597
Total current period gross charge-offs (1)			$	1,679					$	551					$	633					$	111					$	43					$	343					$	—					$	3,360

(1) Includes $1.2 million in charged off demand deposit overdrafts reported as 2024 originations.

December 31, 2023			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
			2023						2022						2021						2020						2019						Prior
Construction real estate:
Pass			$	132,838					$	236,573					$	196,311					$	37,997					$	3,938					$	6,457					$	144,358					$	758,472
Pass watch			—						7,798						—						—						—						—						—						7,798
Special mention			13,166						9,456						698						—						7						—						—						23,327
Substandard			36						—						68						—						—						43						—						147
Doubtful			—						—						—						—						—						—						—						—
Total construction real estate			$	146,040					$	253,827					$	197,077					$	37,997					$	3,945					$	6,500					$	144,358					$	789,744
Current period gross charge-offs			$	—					$	92					$	—					$	—					$	—					$	—					$	—					$	92
1-4 family residential real estate:
Pass			$	41,520					$	126,981					$	145,671					$	114,631					$	63,710					$	196,651					$	1,803					$	690,967
Pass watch			—						—						—						32						—						—						—						32
Special mention			—						—						—						75						—						—						—						75
Substandard			325						—						73						1,379						—						3,259						74						5,110
Doubtful			—						—						—						163						—						391						—						554
Total 1-4 family residential real estate			$	41,845					$	126,981					$	145,744					$	116,280					$	63,710					$	200,301					$	1,877					$	696,738
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	1					$	118					$	—					$	119
Commercial real estate:
Pass			$	469,844					$	641,577					$	495,363					$	143,150					$	91,085					$	189,021					$	16,493					$	2,046,533
Pass watch			24,300						34,424						255						1,037						333						146						—						60,495
Special mention			17,403						—						—						—						9,746						25,072						—						52,221
Substandard			—						862						95						269						1,565						6,346						—						9,137
Doubtful			—						—						—						—						65						—						—						65
Total commercial real estate			$	511,547					$	676,863					$	495,713					$	144,456					$	102,794					$	220,585					$	16,493					$	2,168,451
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	788					$	—					$	—					$	788
Commercial loans:
Pass			$	78,090					$	62,192					$	42,114					$	10,708					$	4,356					$	3,310					$	161,153					$	361,923
Pass watch			—						128						117						—						—						18						—						263
Special mention			191						174						—						16						—						162						—						543
Substandard			14						2,357						73						—						65						12						821						3,342
Doubtful			238						267						133						—						64						120						—						822
Total commercial loans			$	78,533					$	65,118					$	42,437					$	10,724					$	4,485					$	3,622					$	161,974					$	366,893
Current period gross charge-offs			$	745					$	440					$	44					$	26					$	23					$	5					$	—					$	1,283
Municipal loans:
Pass			$	39,028					$	61,429					$	68,979					$	49,746					$	39,949					$	182,037					$	—					$	441,168
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Total municipal loans			$	39,028					$	61,429					$	68,979					$	49,746					$	39,949					$	182,037					$	—					$	441,168
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Loans to individuals:
Pass			$	22,788					$	15,503					$	11,588					$	6,256					$	2,180					$	941					$	2,216					$	61,472
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						13						—						—						13
Doubtful			4						17						—						10						—						—						—						31
Total loans to individuals			$	22,792					$	15,520					$	11,588					$	6,266					$	2,193					$	941					$	2,216					$	61,516
Current period gross charge-offs (1)			$	1,682					$	54					$	61					$	20					$	6					$	99					$	—					$	1,922
Total loans			$	839,785					$	1,199,738					$	961,538					$	365,469					$	217,076					$	613,986					$	326,918					$	4,524,510
Total current period gross charge-offs (1)			$	2,427					$	586					$	105					$	46					$	818					$	222					$	—					$	4,204

(1) Includes $1.7 million in charged off demand deposit overdrafts reported as 2023 originations.

Aging of past due loans by class of loan

The following tables present the aging of the amortized cost basis in past due loans by class of loans (in thousands):

						December 31, 2024
						30-59 Days Past Due						60-89 Days  Past Due						Greater than 90 Days Past Due						Total Past Due						Current						Total
Real estate loans:
Construction						$	92					$	5					$	—					$	97					$	537,730					$	537,827
1-4 family residential						3,217						1,328						262						4,807						735,589						740,396
Commercial						2,054						331						—						2,385						2,577,350						2,579,735
Commercial loans						2,881						649						407						3,937						359,230						363,167
Municipal loans						—						—						—						—						390,968						390,968
Loans to individuals						108						48						20						176						49,328						49,504
Total						$	8,352					$	2,361					$	689					$	11,402					$	4,650,195					$	4,661,597

						December 31, 2023
						30-59 Days Past Due						60-89 Days  Past Due						Greater than  90 Days Past Due						Total Past  Due						Current						Total
Real estate loans:
Construction						$	474					$	—					$	29					$	503					$	789,241					$	789,744
1-4 family residential						4,638						774						1,700						7,112						689,626						696,738
Commercial						621						34						40						695						2,167,756						2,168,451
Commercial loans						1,693						347						127						2,167						364,726						366,893
Municipal loans						27						—						—						27						441,141						441,168
Loans to individuals						107						1						10						118						61,398						61,516
Total						$	7,560					$	1,156					$	1,906					$	10,622					$	4,513,888					$	4,524,510

Nonperforming assets by asset class

The following table sets forth the amortized cost basis of nonperforming assets for the periods presented (in thousands):

			December 31, 2024						December 31, 2023
Nonaccrual loans:
Real estate loans:
Construction			$	122					$	29
1-4 family residential			1,734						2,093
Commercial			171						528
Commercial loans			1,067						1,208
Loans to individuals			91						31
Total nonaccrual loans (1)			3,185						3,889
Accruing loans past due more than 90 days			—						—
Restructured loans			2						13
OREO			388						99
Repossessed assets			14						—
Total nonperforming assets			$	3,589					$	4,001

(1)    Includes $63,000 and $506,000 of restructured loans as of December 31, 2024 and December 31, 2023, respectively.

Restructured loans

The following table sets forth the recorded balance of restructured loans and type of modification by class of loans during the periods presented (dollars in thousands):

			Year Ended December 31, 2024
			Amortization  Period Extension						Interest Rate Reduction						Combination						Total Modifications						Number of Loans						Percent of Total Class
Commercial loans			$	20					$	—					$	—					$	20					1						0.01		%
Loans to individuals			—						—						2						2						1						—
Total			$	20					$	—					$	2					$	22					2

			Year Ended December 31, 2023
			Amortization  Period Extension						Interest Rate Reduction						Combination						Total Modifications						Number of Loans						Percent of Total Class
Commercial loans			$	603					$	—					$	64					$	667					5						0.18		%
Total			$	603					$	—					$	64					$	667					5

Allowance for loan losses activity by portfolio segment

The following tables detail activity in the allowance for loan losses by portfolio segment for the periods presented (in thousands):

			Year Ended December 31, 2024
			Real Estate
			Construction						1-4 Family Residential						Commercial						Commercial Loans						Municipal Loans						Loans to Individuals												Total
Balance at beginning of period			$	5,287					$	2,840					$	32,266					$	2,086					$	19					$	176											$	42,674
Loans charged-off			(24)						(261)						(78)						(1,173)						—						(1,824)												(3,360)
Recoveries of loans charged-off			—						99						6						386						—						942												1,433
Net loans (charged-off) recovered			(24)						(162)						(72)						(787)						—						(882)												(1,927)
Provision for (reversal of) loan losses			(1,305)						102						3,332						1,149						(3)						862												4,137
Balance at end of period			$	3,958					$	2,780					$	35,526					$	2,448					$	16					$	156											$	44,884

			Year Ended December 31, 2023
			Real Estate
			Construction						1-4 Family Residential						Commercial						Commercial Loans						Municipal Loans						Loans to Individuals												Total
Balance at beginning of period			$	3,164					$	2,173					$	28,701					$	2,235					$	45					$	197											$	36,515
Loans charged-off (1)			(92)						(119)						(788)						(1,283)						—						(1,922)												(4,204)
Recoveries of loans charged-off			2						110						1						298						—						1,043												1,454
Net loans (charged-off) recovered			(90)						(9)						(787)						(985)						—						(879)												(2,750)
Provision for (reversal of) loan losses			2,213						676						4,352						836						(26)						858												8,909
Balance at end of period			$	5,287					$	2,840					$	32,266					$	2,086					$	19					$	176											$	42,674

			Year Ended December 31, 2022
			Real Estate
			Construction						1-4 Family Residential						Commercial						Commercial Loans						Municipal Loans						Loans to Individuals												Total
Balance at beginning of period			$	3,787					$	1,866					$	26,980					$	2,397					$	47					$	196											$	35,273
Loans charged-off			—						(69)						—						(792)						—						(1,723)												(2,584)
Recoveries of loans charged-off			2						107						81						593						—						1,105												1,888
Net loans (charged-off) recovered			2						38						81						(199)						—						(618)												(696)
Provision for (reversal of) loan losses			(625)						269						1,640						37						(2)						619												1,938
Balance at end of period			$	3,164					$	2,173					$	28,701					$	2,235					$	45					$	197											$	36,515

(1)    Included in charge-offs for the year ended December 31, 2023 is a $788,000 write down to fair value an $8.1 million commercial real estate loan relationship transferred to held for sale.

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