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Loans (Tables)
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
Schedule of Loan Portfolio Segments and Classes
The table below identifies the Company’s loan portfolio segments and classes.
Portfolio SegmentClass of Financing Receivable
CommercialOwner occupied real estate
Non-owner occupied real estate
Residential spec homes
Development & spec land
Commercial and industrial
Real estateResidential mortgage
Residential construction
Mortgage warehouseMortgage warehouse
ConsumerInstallment
Indirect auto
Home equity
Schedule of Loans Outstanding By Portfolio Class
The following table presents total loans outstanding by portfolio class, as of March 31, 2024 and December 31, 2023:
March 31,
2024		December 31,
2023
Commercial
Owner occupied real estate$653,144 $640,731 
Non–owner occupied real estate1,287,474 1,273,838 
Residential spec homes10,892 13,489 
Development & spec land33,213 34,039 
Commercial and industrial765,043 712,863 
Total commercial2,749,766 2,674,960 
Real estate
Residential mortgage757,760 654,295 
Residential construction24,311 26,841 
Mortgage warehouse56,548 45,078 
Total real estate838,619 726,214 
Consumer
Installment109,370 52,366 
Indirect auto360,835 399,946 
Home equity559,585 564,144 
Total consumer1,029,790 1,016,456 
Total loans4,618,175 4,417,630 
Allowance for credit losses(50,387)(50,029)
Net loans$4,567,788 $4,367,601 
Schedule of Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans
The following table presents non–accrual loans and loans past due over 90 days still on accrual by class of loans at March 31, 2024:

March 31, 2024
Non–accrualLoans Past
Due Over 90
Days Still
Accruing		Non–accruing Loans with no Allowance for Credit Losses
Commercial
Owner occupied real estate$3,563 $— $2,728 
Non–owner occupied real estate471 — 471 
Residential spec homes— — — 
Development & spec land619 — 619 
Commercial and industrial840 — 20 
Total commercial5,493 — 3,838 
Real estate
Residential mortgage8,725 — — 
Residential construction— — — 
Mortgage warehouse— — — 
Total real estate8,725 — — 
Consumer
Installment135 3 — 
Indirect auto944 64 — 
Home equity3,756 41 — 
Total consumer4,835 108 — 
Total$19,053 $108 $3,838 
The following table presents non–accrual loans and loans past due over 90 days still on accrual by class of loan at December 31, 2023:

December 31, 2023
Non–accrualLoans Past
Due Over 90
Days Still
Accruing		Non–accruing Loans with no Allowance for Credit Losses
Commercial
Owner occupied real estate$2,636 $— $1,789 
Non–owner occupied real estate3,485 — 1,242 
Residential spec homes— — — 
Development & spec land617 — 617 
Commercial and industrial624 — 20 
Total commercial7,362 — 3,668 
Real estate
Residential mortgage8,058 — — 
Residential construction— — — 
Mortgage warehouse— — — 
Total real estate8,058 — — 
Consumer
Installment88 — — 
Indirect auto899 299 — 
Home equity3,303 260 — 
Total consumer4,290 559 — 
Total$19,710 $559 $3,668 
Schedule of Payment Status by Class of Loan
The following table presents the payment status by class of loan at March 31, 2024:
March 31, 2024
Current30–59 Days
Past Due		60–89 Days
Past Due		90 Days or
Greater
Past Due		Total 
Past Due
Loans		Total
Loans
Commercial
Owner occupied real estate$650,964 $1,214 $— $966 $2,180 $653,144 
Non–owner occupied real estate1,286,367 — 1,107 — 1,107 1,287,474 
Residential spec homes10,892 — — — — 10,892 
Development & spec land33,213 — — — — 33,213 
Commercial and industrial762,590 1,743 690 20 2,453 765,043 
Total commercial2,744,026 2,957 1,797 986 5,740 2,749,766 
Real estate
Residential mortgage751,197 3,261 809 2,493 6,563 757,760 
Residential construction24,311 — — — — 24,311 
Mortgage warehouse56,548 — — — — 56,548 
Total real estate832,056 3,261 809 2,493 6,563 838,619 
Consumer
Installment108,964 118 214 74 406 109,370 
Indirect auto356,423 3,405 615 392 4,412 360,835 
Home equity553,731 3,747 497 1,610 5,854 559,585 
Total consumer1,019,118 7,270 1,326 2,076 10,672 1,029,790 
Total$4,595,200 $13,488 $3,932 $5,555 $22,975 $4,618,175 
The following table presents the payment status by class of loan at December 31, 2023:
December 31, 2023
Current30–59 Days
Past Due		60–89 Days
Past Due		90 Days or
Greater
Past Due		Total 
Past Due
Loans		Total
Commercial
Owner occupied real estate$638,389 $2,342 $— $— $2,342 $640,731 
Non–owner occupied real estate1,273,791 — — 47 47 1,273,838 
Residential spec homes13,489 — — — — 13,489 
Development & spec land33,036 — 1,003 — 1,003 34,039 
Commercial and industrial710,567 1,659 54 583 2,296 712,863 
Total commercial2,669,272 4,001 1,057 630 5,688 2,674,960 
Real estate
Residential mortgage646,984 2,823 2,353 2,135 7,311 654,295 
Residential construction26,841 — — — — 26,841 
Mortgage warehouse45,078 — — — — 45,078 
Total real estate718,903 2,823 2,353 2,135 7,311 726,214 
Consumer
Installment52,001 304 10 51 365 52,366 
Indirect auto393,615 4,958 736 637 6,331 399,946 
Home equity558,062 3,748 1,217 1,117 6,082 564,144 
Total consumer1,003,678 9,010 1,963 1,805 12,778 1,016,456 
Total$4,391,853 $15,834 $5,373 $4,570 $25,777 $4,417,630 
Schedule of Allowance for Credit Loss Allocated for Collateral Dependent Loans
The tables below present the amortized cost basis and allowance for credit losses (“ACL”) allocated for collateral dependent loans in accordance with ASC 326, which are individually evaluated to determine expected credit losses, at March 31, 2024 and December 31, 2023.
March 31, 2024
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$3,563 $— $— $3,563 $237 
Non–owner occupied real estate471 — — 471 — 
Development & spec land619 — — 619 — 
Commercial and industrial782 39 20 841 804 
Total commercial5,435 39 20 5,494 1,041 
Total collateral dependent loans$5,435 $39 $20 $5,494 $1,041 
December 31, 2023
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$2,636 $— $— $2,636 $190 
Non–owner occupied real estate3,485 — — 3,485 699 
Residential spec homes617 — — 617 — 
Commercial and industrial563 42 20 625 604 
Total commercial7,301 42 20 7,363 1,493 
Total collateral dependent loans$7,301 $42 $20 $7,363 $1,493 
Schedule of Loans by Credit Grades
The following tables present loans by credit grades and origination year at March 31, 2024.
March 31, 202420242023202220212020PriorRevolving Term LoansRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$11,916 $70,435 $104,472 $77,316 $43,036 $206,256 $93,911 $9,176 $616,518 
Special Mention— 2,143 487 3,738 — 11,756 — 452 18,576 
Substandard— 1,453 — 6,443 966 8,698 490 — 18,050 
Doubtful— — — — — — — — — 
Total owner occupied real estate$11,916 $74,031 $104,959 $87,497 $44,002 $226,710 $94,401 $9,628 $653,144 
Gross charge–offs during period$— $— $— $— $— $1 $— $— $1 
Non–owner occupied real estate
Pass$9,444 $116,007 $192,469 $134,643 $103,726 $374,887 $282,938 $9,170 $1,223,284 
Special Mention— 1,359 18,768 1,313 — 38,012 — — 59,452 
Substandard— — — — 169 4,569 — — 4,738 
Doubtful— — — — — — — — — 
Total non–owner occupied real estate$9,444 $117,366 $211,237 $135,956 $103,895 $417,468 $282,938 $9,170 $1,287,474 
Gross charge–offs during period$— $— $— $— $— $— $— $— $— 
Residential spec homes
Pass$— $— $— $498 $— $— $3,487 $6,907 $10,892 
Special Mention— — — — — — — — — 
Substandard— — — — — — — — — 
Doubtful— — — — — — — — — 
Total residential spec homes$— $— $— $498 $— $— $3,487 $6,907 $10,892 
Gross charge–offs during period$— $— $— $— $— $— $— $— $— 
Development & spec land
Pass$— $4,269 $882 $505 $375 $2,065 $21,532 $170 $29,798 
Special Mention— — — — — 322 1,624 — 1,946 
Substandard— 748 — — — 102 619 — 1,469 
Doubtful— — — — — — — — — 
Total development & spec land$— $5,017 $882 $505 $375 $2,489 $23,775 $170 $33,213 
Gross charge–offs during period$— $— $— $— $— $— $— $— $— 
Commercial & industrial
Pass$69,125 $116,433 $147,219 $87,982 $11,219 $76,964 $61,372 $155,096 $725,410 
Special Mention490 1,472 620 8 1,377 1,341 11,144 13,637 30,089 
Substandard— 1,690 625 415 204 3,134 775 2,701 9,544 
Doubtful— — — — — — — — — 
Total commercial & industrial$69,615 $119,595 $148,464 $88,405 $12,800 $81,439 $73,291 $171,434 $765,043 
Gross charge–offs during period$— $— $— $— $— $— $— $— $— 
March 31, 202420242023202220212020PriorRevolving Term LoansRevolving LoansTotal
Real estate
Residential mortgage
Performing$16,245 $127,785 $167,014 $154,308 $82,838 $200,845 $— $— $749,035 
Non–performing— 366 1,897 1,063 257 5,142 — — 8,725 
Total residential mortgage$16,245 $128,151 $168,911 $155,371 $83,095 $205,987 $— $— $757,760 
Gross charge–offs during period$— $— $— $— $— $1 $— $— $1 
Residential construction
Performing$— $— $— $— $— $— $24,311 $— $24,311 
Non–performing— — — — — — — — — 
Total residential construction$— $— $— $— $— $— $24,311 $— $24,311 
Gross charge–offs during period$— $— $— $— $— $— $— $— $— 
Mortgage warehouse
Performing$— $— $— $— $— $— $— $56,548 $56,548 
Non–performing— — — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $— $56,548 $56,548 
Gross charge–offs during period$— $— $— $— $— $— $— $— $— 
March 31, 202420242023202220212020PriorRevolving Term LoansRevolving LoansTotal
Consumer
Installment
Performing$3,533 $71,835 $12,263 $7,167 $3,845 $8,532 $16 $2,041 $109,232 
Non–performing— 8 44 55 — 31 — — 138 
Total installment$3,533 $71,843 $12,307 $7,222 $3,845 $8,563 $16 $2,041 $109,370 
Gross charge–offs during period$— $18 $124 $1 $17 $21 $— $— $181 
Indirect auto
Performing$643 $60,833 $176,167 $72,595 $30,750 $18,839 $— $— $359,827 
Non–performing— 74 366 227 196 145 — — 1,008 
Total indirect auto$643 $60,907 $176,533 $72,822 $30,946 $18,984 $— $— $360,835 
Gross charge–offs during period$— $43 $222 $81 $77 $42 $— $— $465 
Home equity
Performing$2,300 $25,932 $20,432 $2,922 $2,314 $12,729 $17,051 $472,108 $555,788 
Non–performing— — 309 — 52 389 3,047 — 3,797 
Total home equity$2,300 $25,932 $20,741 $2,922 $2,366 $13,118 $20,098 $472,108 $559,585 
Gross charge–offs during period$— $52 $88 $— $37 $— $— $— $177 
The following tables present loans by credit grades and origination year at December 31, 2023.
December 31, 202320232022202120202019PriorRevolving Term LoansRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$66,814 $101,620 $73,199 $44,067 $41,726 $173,913 $93,432 $8,226 $602,997 
Special Mention3,920 490 3,777 — 2,038 8,128 — 452 18,805 
Substandard1,376 — 6,490 966 228 9,339 530 — 18,929 
Doubtful— — — — — — — — — 
Total owner occupied real estate$72,110 $102,110 $83,466 $45,033 $43,992 $191,380 $93,962 $8,678 $640,731 
Gross charge-offs during period$— $— $— $— $— $3 $401 $— $404 
Non–owner occupied real estate
Pass$116,031 $197,702 $149,540 $104,591 $83,394 $303,191 $246,569 $9,878 $1,210,896 
Special Mention1,366 16,135 1,334 254 845 36,590 — — 56,524 
Substandard— — — 185 — 6,233 — — 6,418 
Doubtful— — — — — — — — — 
Total non–owner occupied real estate$117,397 $213,837 $150,874 $105,030 $84,239 $346,014 $246,569 $9,878 $1,273,838 
Gross charge-offs during period$— $— $— $— $— $9 $— $— $9 
Residential spec homes
Pass$— $— $498 $— $— $— $5,852 $7,139 $13,489 
Special Mention— — — — — — — — — 
Substandard— — — — — — — — — 
Doubtful— — — — — — — — — 
Total residential spec homes$— $— $498 $— $— $— $5,852 $7,139 $13,489 
Gross charge-offs during period$— $— $— $— $— $— $29 $— $29 
Development & spec land
Pass$5,133 $1,477 $990 $390 $247 $3,146 $20,236 $170 $31,789 
Special Mention— — — — — — 1,529 — 1,529 
Substandard— — — — — 104 617 — 721 
Doubtful— — — — — — — — — 
Total development & spec land$5,133 $1,477 $990 $390 $247 $3,250 $22,382 $170 $34,039 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Commercial & industrial
Pass$121,969 $151,847 $93,709 $12,154 $20,497 $59,041 $60,539 $147,773 $667,529 
Special Mention1,434 726 265 2,137 119 1,305 9,375 18,836 34,197 
Substandard1,595 703 223 211 768 2,404 2,863 2,370 11,137 
Doubtful— — — — — — — — — 
Total commercial & industrial$124,998 $153,276 $94,197 $14,502 $21,384 $62,750 $72,777 $168,979 $712,863 
Gross charge-offs during period$— $33 $— $123 $25 $72 $344 $— $597 
December 31, 202320232022202120202019PriorRevolving Term LoansRevolving LoansTotal
Real estate
Residential mortgage
Performing$40,920 $154,803 $157,480 $85,159 $30,464 $177,411 $— $— $646,237 
Non–performing118 1,591 748 259 647 4,695 — — 8,058 
Total residential mortgage$41,038 $156,394 $158,228 $85,418 $31,111 $182,106 $— $— $654,295 
Gross charge-offs during period$— $28 $— $— $— $20 $— $— $48 
Residential construction
Performing$— $— $— $— $— $— $26,841 $— $26,841 
Non–performing— — — — — — — — — 
Total residential construction$— $— $— $— $— $— $26,841 $— $26,841 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
Mortgage warehouse
Performing$— $— $— $— $— $— $— $45,078 $45,078 
Non–performing— — — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $— $45,078 $45,078 
Gross charge-offs during period$— $— $— $— $— $— $— $— $— 
December 31, 202320232022202120202019PriorRevolving Term LoansRevolving LoansTotal
Consumer
Installment
Performing$14,835 $13,447 $7,859 $4,246 $4,449 $5,074 $6 $2,362 $52,278 
Non–performing— 44 10 — 27 7 — — 88 
Total installment$14,835 $13,491 $7,869 $4,246 $4,476 $5,081 $6 $2,362 $52,366 
Gross charge-offs during period$33 $28 $31 $10 $32 $27 $6 $— $167 
Indirect auto
Performing$65,260 $191,871 $80,773 $35,995 $16,690 $8,159 $— $— $398,748 
Non–performing49 424 312 229 124 60 — — 1,198 
Total indirect auto$65,309 $192,295 $81,085 $36,224 $16,814 $8,219 $— $— $399,946 
Gross charge-offs during period$86 $1,388 $708 $137 $58 $74 $— $— $2,451 
Home equity
Performing$26,376 $21,379 $5,121 $2,447 $3,885 $9,987 $12,713 $478,673 $560,581 
Non–performing— 212 — 54 177 260 2,860 — 3,563 
Total home equity$26,376 $21,591 $5,121 $2,501 $4,062 $10,247 $15,573 $478,673 $564,144 
Gross charge-offs during period$— $10 $— $103 $— $91 $13 $— $217