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LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2021
LOANS AND THE ALLOWANCE FOR LOAN LOSSES |
Summary of Loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | December 31,
​ |  | 2021 |  | 2020
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 286,946 | ​ | $ | 393,312
Agricultural and farmland | ​ | ​ | 247,796 | ​ | ​ | 222,723
Commercial real estate - owner occupied | ​ | ​ | 234,544 | ​ | ​ | 222,360
Commercial real estate - non-owner occupied | ​ | ​ | 684,023 | ​ | ​ | 520,395
Multi-family | ​ | ​ | 263,911 | ​ | ​ | 236,391
Construction and land development | ​ | ​ | 298,048 | ​ | ​ | 225,652
One-to-four family residential | ​ | ​ | 327,837 | ​ | ​ | 306,775
Municipal, consumer, and other | ​ | ​ | 156,584 | ​ | ​ | 119,398
Loans, before allowance for loan losses | ​ | ​ | 2,499,689 | ​ | ​ | 2,247,006
Allowance for loan losses | ​ | ​ | (23,936) | ​ | ​ | (31,838)
Loans, net of allowance for loan losses | ​ | $ | 2,475,753 | ​ | $ | 2,215,168
​ | ​ | ​ | ​ | ​ | ​ | ​
Paycheck Protection Program (PPP) loans (included above) | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 28,404 | ​ | $ | 153,860
Agricultural and farmland | ​ | ​ | 913 | ​ | ​ | 3,049
Municipal, consumer, and other | ​ | ​ | 171 | ​ | ​ | 6,587
Total PPP loans | ​ | $ | 29,488 | ​ | $ | 163,496
Schedule of activity in allowance for loan losses | The following tables detail activity in the allowance for loan losses for the years ended December 31: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Municipal, | ​ | ​ | ​
​ | ​ | Commercial | ​ | Agricultural | ​ | Real Estate | ​ | Real Estate | ​ | ​ | ​ | ​ | Construction | ​ | One-to-four | ​ | Consumer, | ​ | ​ | ​
​ | ​ | and | ​ | and | ​ | Owner | ​ | Non-owner | ​ | ​ | ​ | ​ | and Land | ​ | Family | ​ | and | ​ | ​ | ​
​ |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
​ | ​ | (dollars in thousands)
Balance, December 31, 2018 | ​ | $ | 3,748 | ​ | $ | 2,650 | ​ | $ | 2,506 | ​ | $ | 2,644 | ​ | $ | 912 | ​ | $ | 4,176 | ​ | $ | 2,782 | ​ | $ | 1,091 | ​ | $ | 20,509
Provision for loan losses | ​ | ​ | 1,139 | ​ | ​ | 146 | ​ | ​ | (376) | ​ | ​ | 1,110 | ​ | ​ | 153 | ​ | ​ | (1,640) | ​ | ​ | 513 | ​ | ​ | 2,359 | ​ | ​ | 3,404
Charge-offs | ​ | ​ | (886) | ​ | ​ | (30) | ​ | ​ | (407) | ​ | ​ | (111) | ​ | ​ | (41) | ​ | ​ | (9) | ​ | ​ | (1,105) | ​ | ​ | (684) | ​ | ​ | (3,273)
Recoveries | ​ | ​ | 440 | ​ | ​ | — | ​ | ​ | 56 | ​ | ​ | 20 | ​ | ​ | — | ​ | ​ | 450 | ​ | ​ | 350 | ​ | ​ | 343 | ​ | ​ | 1,659
Balance, December 31, 2019 | ​ | ​ | 4,441 | ​ | ​ | 2,766 | ​ | ​ | 1,779 | ​ | ​ | 3,663 | ​ | ​ | 1,024 | ​ | ​ | 2,977 | ​ | ​ | 2,540 | ​ | ​ | 3,109 | ​ | ​ | 22,299
Provision for loan losses | ​ | ​ | 677 | ​ | ​ | (1,946) | ​ | ​ | 961 | ​ | ​ | 7,862 | ​ | ​ | 933 | ​ | ​ | 1,032 | ​ | ​ | (894) | ​ | ​ | 1,907 | ​ | ​ | 10,532
Charge-offs | ​ | ​ | (1,784) | ​ | ​ | (27) | ​ | ​ | (39) | ​ | ​ | (349) | ​ | ​ | — | ​ | ​ | (27) | ​ | ​ | (155) | ​ | ​ | (587) | ​ | ​ | (2,968)
Recoveries | ​ | ​ | 595 | ​ | ​ | — | ​ | ​ | 440 | ​ | ​ | 75 | ​ | ​ | — | ​ | ​ | 250 | ​ | ​ | 310 | ​ | ​ | 305 | ​ | ​ | 1,975
Balance, December 31, 2020 | ​ | ​ | 3,929 | ​ | ​ | 793 | ​ | ​ | 3,141 | ​ | ​ | 11,251 | ​ | ​ | 1,957 | ​ | ​ | 4,232 | ​ | ​ | 1,801 | ​ | ​ | 4,734 | ​ | ​ | 31,838
Provision for loan losses | ​ | ​ | (1,474) | ​ | ​ | 52 | ​ | ​ | (1,280) | ​ | ​ | (3,130) | ​ | ​ | (694) | ​ | ​ | 340 | ​ | ​ | (472) | ​ | ​ | (1,419) | ​ | ​ | (8,077)
Charge-offs | ​ | ​ | (668) | ​ | ​ | — | ​ | ​ | (30) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (267) | ​ | ​ | (449) | ​ | ​ | (1,414)
Recoveries | ​ | ​ | 653 | ​ | ​ | — | ​ | ​ | 9 | ​ | ​ | 24 | ​ | ​ | — | ​ | ​ | 342 | ​ | ​ | 249 | ​ | ​ | 312 | ​ | ​ | 1,589
Balance, December 31, 2021 | ​ | $ | 2,440 | ​ | $ | 845 | ​ | $ | 1,840 | ​ | $ | 8,145 | ​ | $ | 1,263 | ​ | $ | 4,914 | ​ | $ | 1,311 | ​ | $ | 3,178 | ​ | $ | 23,936
​ ​ The following tables present the recorded investments in loans and the allowance for loan losses by category as of December 31: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Municipal, | ​ | ​ | ​
​ | ​ | Commercial | ​ | Agricultural | ​ | Real Estate | ​ | Real Estate | ​ | ​ | ​ | ​ | Construction | ​ | One-to-four | ​ | Consumer, | ​ | ​ | ​
​ | ​ | and | ​ | and | ​ | Owner | ​ | Non-owner | ​ | ​ | ​ | ​ | and Land | ​ | Family | ​ | and | ​ | ​ | ​
December 31, 2021 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Loan balances: | ​ | (dollars in thousands)
Collectively evaluated for impairment | ​ | $ | 272,064 | ​ | $ | 247,021 | ​ | $ | 216,794 | ​ | $ | 641,555 | ​ | $ | 262,701 | ​ | $ | 293,548 | ​ | $ | 314,807 | ​ | $ | 143,510 | ​ | $ | 2,392,000
Individually evaluated for impairment | ​ | ​ | 14,744 | ​ | ​ | 12 | ​ | ​ | 12,332 | ​ | ​ | 29,575 | ​ | ​ | — | ​ | ​ | 2,018 | ​ | ​ | 6,897 | ​ | ​ | 13,041 | ​ | ​ | 78,619
Acquired with deteriorated credit quality | ​ | ​ | 138 | ​ | ​ | 763 | ​ | ​ | 5,418 | ​ | ​ | 12,893 | ​ | ​ | 1,210 | ​ | ​ | 2,482 | ​ | ​ | 6,133 | ​ | ​ | 33 | ​ | ​ | 29,070
Total | ​ | $ | 286,946 | ​ | $ | 247,796 | ​ | $ | 234,544 | ​ | $ | 684,023 | ​ | $ | 263,911 | ​ | $ | 298,048 | ​ | $ | 327,837 | ​ | $ | 156,584 | ​ | $ | 2,499,689
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Collectively evaluated for impairment | ​ | $ | 2,253 | ​ | $ | 845 | ​ | $ | 1,480 | ​ | $ | 5,138 | ​ | $ | 1,259 | ​ | $ | 4,895 | ​ | $ | 1,099 | ​ | $ | 1,302 | ​ | $ | 18,271
Individually evaluated for impairment | ​ | ​ | 187 | ​ | ​ | — | ​ | ​ | 327 | ​ | ​ | 2,999 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 210 | ​ | ​ | 1,875 | ​ | ​ | 5,598
Acquired with deteriorated credit quality | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 33 | ​ | ​ | 8 | ​ | ​ | 4 | ​ | ​ | 19 | ​ | ​ | 2 | ​ | ​ | 1 | ​ | ​ | 67
Total | ​ | $ | 2,440 | ​ | $ | 845 | ​ | $ | 1,840 | ​ | $ | 8,145 | ​ | $ | 1,263 | ​ | $ | 4,914 | ​ | $ | 1,311 | ​ | $ | 3,178 | ​ | $ | 23,936
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Municipal, | ​ | ​ | ​
​ | ​ | Commercial | ​ | Agricultural | ​ | Real Estate | ​ | Real Estate | ​ | ​ | ​ | ​ | Construction | ​ | One-to-four | ​ | Consumer, | ​ | ​ | ​
​ | ​ | and | ​ | and | ​ | Owner | ​ | Non-owner | ​ | ​ | ​ | ​ | and Land | ​ | Family | ​ | and | ​ | ​ | ​
December 31, 2020 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Loan balances: | ​ | (dollars in thousands)
Collectively evaluated for impairment | ​ | $ | 387,072 | ​ | $ | 217,077 | ​ | $ | 201,417 | ​ | $ | 480,165 | ​ | $ | 234,252 | ​ | $ | 219,822 | ​ | $ | 287,845 | ​ | $ | 105,796 | ​ | $ | 2,133,446
Individually evaluated for impairment | ​ | ​ | 5,312 | ​ | ​ | 4,793 | ​ | ​ | 13,132 | ​ | ​ | 25,993 | ​ | ​ | 876 | ​ | ​ | 3,809 | ​ | ​ | 10,343 | ​ | ​ | 13,546 | ​ | ​ | 77,804
Acquired with deteriorated credit quality | ​ | ​ | 928 | ​ | ​ | 853 | ​ | ​ | 7,811 | ​ | ​ | 14,237 | ​ | ​ | 1,263 | ​ | ​ | 2,021 | ​ | ​ | 8,587 | ​ | ​ | 56 | ​ | ​ | 35,756
Total | ​ | $ | 393,312 | ​ | $ | 222,723 | ​ | $ | 222,360 | ​ | $ | 520,395 | ​ | $ | 236,391 | ​ | $ | 225,652 | ​ | $ | 306,775 | ​ | $ | 119,398 | ​ | $ | 2,247,006
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Collectively evaluated for impairment | ​ | $ | 2,736 | ​ | $ | 771 | ​ | $ | 2,306 | ​ | $ | 6,736 | ​ | $ | 1,950 | ​ | $ | 3,984 | ​ | $ | 1,237 | ​ | $ | 1,432 | ​ | $ | 21,152
Individually evaluated for impairment | ​ | ​ | 1,193 | ​ | ​ | 22 | ​ | ​ | 429 | ​ | ​ | 4,255 | ​ | ​ | — | ​ | ​ | 222 | ​ | ​ | 560 | ​ | ​ | 3,301 | ​ | ​ | 9,982
Acquired with deteriorated credit quality | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 406 | ​ | ​ | 260 | ​ | ​ | 7 | ​ | ​ | 26 | ​ | ​ | 4 | ​ | ​ | 1 | ​ | ​ | 704
Total | ​ | $ | 3,929 | ​ | $ | 793 | ​ | $ | 3,141 | ​ | $ | 11,251 | ​ | $ | 1,957 | ​ | $ | 4,232 | ​ | $ | 1,801 | ​ | $ | 4,734 | ​ | $ | 31,838
Schedule of loans individually evaluated for impairment by category | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Unpaid | ​ | ​ | ​ |  | ​ | ​
​ | ​ | Principal | ​ | Recorded | ​ | Related
December 31, 2021 |  | Balance |  | Investment |  | Allowance
With an allowance recorded: | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 303 | ​ | $ | 303 | ​ | $ | 187
Agricultural and farmland | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial real estate - owner occupied | ​ | ​ | 3,013 | ​ | ​ | 3,013 | ​ | ​ | 327
Commercial real estate - non-owner occupied | ​ | ​ | 14,912 | ​ | ​ | 14,893 | ​ | ​ | 2,999
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
One-to-four family residential | ​ | ​ | 1,421 | ​ | ​ | 1,314 | ​ | ​ | 210
Municipal, consumer, and other | ​ | ​ | 8,523 | ​ | ​ | 8,498 | ​ | ​ | 1,875
Total | ​ | $ | 28,172 | ​ | $ | 28,021 | ​ | $ | 5,598
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With no related allowance: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 14,452 | ​ | $ | 14,441 | ​ | $ | —
Agricultural and farmland | ​ | ​ | 12 | ​ | ​ | 12 | ​ | ​ | —
Commercial real estate - owner occupied | ​ | ​ | 9,534 | ​ | ​ | 9,319 | ​ | ​ | —
Commercial real estate - non-owner occupied | ​ | ​ | 14,755 | ​ | ​ | 14,682 | ​ | ​ | —
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | 2,112 | ​ | ​ | 2,018 | ​ | ​ | —
One-to-four family residential | ​ | ​ | 7,129 | ​ | ​ | 5,583 | ​ | ​ | —
Municipal, consumer, and other | ​ | ​ | 4,603 | ​ | ​ | 4,543 | ​ | ​ | —
Total | ​ | $ | 52,597 | ​ | $ | 50,598 | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total loans individually evaluated for impairment: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 14,755 | ​ | $ | 14,744 | ​ | $ | 187
Agricultural and farmland | ​ | ​ | 12 | ​ | ​ | 12 | ​ | ​ | —
Commercial real estate - owner occupied | ​ | ​ | 12,547 | ​ | ​ | 12,332 | ​ | ​ | 327
Commercial real estate - non-owner occupied | ​ | ​ | 29,667 | ​ | ​ | 29,575 | ​ | ​ | 2,999
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | 2,112 | ​ | ​ | 2,018 | ​ | ​ | —
One-to-four family residential | ​ | ​ | 8,550 | ​ | ​ | 6,897 | ​ | ​ | 210
Municipal, consumer, and other | ​ | ​ | 13,126 | ​ | ​ | 13,041 | ​ | ​ | 1,875
Total | ​ | $ | 80,769 | ​ | $ | 78,619 | ​ | $ | 5,598
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Unpaid | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Principal | ​ | Recorded | ​ | Related
December 31, 2020 |  | Balance |  | Investment |  | Allowance
With an allowance recorded: | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 2,737 | ​ | $ | 2,725 | ​ | $ | 1,193
Agricultural and farmland | ​ | ​ | 169 | ​ | ​ | 168 | ​ | ​ | 22
Commercial real estate - owner occupied | ​ | ​ | 3,072 | ​ | ​ | 3,040 | ​ | ​ | 429
Commercial real estate - non-owner occupied | ​ | ​ | 20,726 | ​ | ​ | 20,394 | ​ | ​ | 4,255
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | 2,081 | ​ | ​ | 2,055 | ​ | ​ | 222
One-to-four family residential | ​ | ​ | 2,963 | ​ | ​ | 2,739 | ​ | ​ | 560
Municipal, consumer, and other | ​ | ​ | 12,207 | ​ | ​ | 12,181 | ​ | ​ | 3,301
Total | ​ | $ | 43,955 | ​ | $ | 43,302 | ​ | $ | 9,982
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With no related allowance: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 3,322 | ​ | $ | 2,587 | ​ | $ | —
Agricultural and farmland | ​ | ​ | 4,625 | ​ | ​ | 4,625 | ​ | ​ | —
Commercial real estate - owner occupied | ​ | ​ | 10,164 | ​ | ​ | 10,092 | ​ | ​ | —
Commercial real estate - non-owner occupied | ​ | ​ | 5,727 | ​ | ​ | 5,599 | ​ | ​ | —
Multi-family | ​ | ​ | 876 | ​ | ​ | 876 | ​ | ​ | —
Construction and land development | ​ | ​ | 1,762 | ​ | ​ | 1,754 | ​ | ​ | —
One-to-four family residential | ​ | ​ | 9,325 | ​ | ​ | 7,604 | ​ | ​ | —
Municipal, consumer, and other | ​ | ​ | 1,431 | ​ | ​ | 1,365 | ​ | ​ | —
Total | ​ | $ | 37,232 | ​ | $ | 34,502 | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total loans individually evaluated for impairment: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 6,059 | ​ | $ | 5,312 | ​ | $ | 1,193
Agricultural and farmland | ​ | ​ | 4,794 | ​ | ​ | 4,793 | ​ | ​ | 22
Commercial real estate - owner occupied | ​ | ​ | 13,236 | ​ | ​ | 13,132 | ​ | ​ | 429
Commercial real estate - non-owner occupied | ​ | ​ | 26,453 | ​ | ​ | 25,993 | ​ | ​ | 4,255
Multi-family | ​ | ​ | 876 | ​ | ​ | 876 | ​ | ​ | —
Construction and land development | ​ | ​ | 3,843 | ​ | ​ | 3,809 | ​ | ​ | 222
One-to-four family residential | ​ | ​ | 12,288 | ​ | ​ | 10,343 | ​ | ​ | 560
Municipal, consumer, and other | ​ | ​ | 13,638 | ​ | ​ | 13,546 | ​ | ​ | 3,301
Total | ​ | $ | 81,187 | ​ | $ | 77,804 | ​ | $ | 9,982
​ ​ The following table presents the average recorded investment and interest income recognized for loans individually evaluated for impairment by category of loans during the years ended December 31: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31,
​ | ​ | 2021 | ​ | 2020 | ​ | 2019
​ |  | Average | ​ | Interest | ​ | Average |  | Interest | ​ | Average |  | Interest
​ | ​ | Recorded | ​ | Income | ​ | Recorded | ​ | Income | ​ | Recorded | ​ | Income
​ |  | Investment |  | Recognized |  | Investment |  | Recognized |  | Investment |  | Recognized
With an allowance recorded: | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 1,593 | ​ | $ | 89 | ​ | $ | 3,031 | ​ | $ | 169 | ​ | $ | 5,275 | ​ | $ | 152
Agricultural and farmland | ​ | ​ | 83 | ​ | ​ | 4 | ​ | ​ | 273 | ​ | ​ | 9 | ​ | ​ | 464 | ​ | ​ | 12
Commercial real estate - owner occupied | ​ | ​ | 3,052 | ​ | ​ | 177 | ​ | ​ | 1,622 | ​ | ​ | 98 | ​ | ​ | 874 | ​ | ​ | 43
Commercial real estate - non-owner occupied | ​ | ​ | 16,494 | ​ | ​ | 791 | ​ | ​ | 6,345 | ​ | ​ | 220 | ​ | ​ | 101 | ​ | ​ | 7
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | 554 | ​ | ​ | 27 | ​ | ​ | 2,441 | ​ | ​ | 116 | ​ | ​ | 3,988 | ​ | ​ | 171
One-to-four family residential | ​ | ​ | 1,988 | ​ | ​ | 77 | ​ | ​ | 3,120 | ​ | ​ | 110 | ​ | ​ | 3,414 | ​ | ​ | 79
Municipal, consumer, and other | ​ | ​ | 8,681 | ​ | ​ | 158 | ​ | ​ | 10,617 | ​ | ​ | 286 | ​ | ​ | 9,284 | ​ | ​ | 396
Total | ​ | $ | 32,445 | ​ | $ | 1,323 | ​ | $ | 27,449 | ​ | $ | 1,008 | ​ | $ | 23,400 | ​ | $ | 860
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With no related allowance: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 7,125 | ​ | $ | 330 | ​ | $ | 4,004 | ​ | $ | 251 | ​ | $ | 6,744 | ​ | $ | 206
Agricultural and farmland | ​ | ​ | 290 | ​ | ​ | 17 | ​ | ​ | 11,061 | ​ | ​ | 561 | ​ | ​ | 14,826 | ​ | ​ | 824
Commercial real estate - owner occupied | ​ | ​ | 7,771 | ​ | ​ | 344 | ​ | ​ | 11,056 | ​ | ​ | 528 | ​ | ​ | 10,190 | ​ | ​ | 483
Commercial real estate - non-owner occupied | ​ | ​ | 10,339 | ​ | ​ | 432 | ​ | ​ | 14,412 | ​ | ​ | 458 | ​ | ​ | 3,465 | ​ | ​ | 131
Multi-family | ​ | ​ | 434 | ​ | ​ | 10 | ​ | ​ | 447 | ​ | ​ | 10 | ​ | ​ | 1,344 | ​ | ​ | 9
Construction and land development | ​ | ​ | 2,107 | ​ | ​ | 28 | ​ | ​ | 892 | ​ | ​ | 23 | ​ | ​ | 107 | ​ | ​ | 4
One-to-four family residential | ​ | ​ | 6,248 | ​ | ​ | 192 | ​ | ​ | 8,022 | ​ | ​ | 316 | ​ | ​ | 8,360 | ​ | ​ | 240
Municipal, consumer, and other | ​ | ​ | 4,666 | ​ | ​ | 86 | ​ | ​ | 3,089 | ​ | ​ | 115 | ​ | ​ | 4,874 | ​ | ​ | 104
Total | ​ | $ | 38,980 | ​ | $ | 1,439 | ​ | $ | 52,983 | ​ | $ | 2,262 | ​ | $ | 49,910 | ​ | $ | 2,001
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total loans individually evaluated for impairment: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 8,718 | ​ | $ | 419 | ​ | $ | 7,035 | ​ | $ | 420 | ​ | $ | 12,019 | ​ | $ | 358
Agricultural and farmland | ​ | ​ | 373 | ​ | ​ | 21 | ​ | ​ | 11,334 | ​ | ​ | 570 | ​ | ​ | 15,290 | ​ | ​ | 836
Commercial real estate - owner occupied | ​ | ​ | 10,823 | ​ | ​ | 521 | ​ | ​ | 12,678 | ​ | ​ | 626 | ​ | ​ | 11,064 | ​ | ​ | 526
Commercial real estate - non-owner occupied | ​ | ​ | 26,833 | ​ | ​ | 1,223 | ​ | ​ | 20,757 | ​ | ​ | 678 | ​ | ​ | 3,566 | ​ | ​ | 138
Multi-family | ​ | ​ | 434 | ​ | ​ | 10 | ​ | ​ | 447 | ​ | ​ | 10 | ​ | ​ | 1,344 | ​ | ​ | 9
Construction and land development | ​ | ​ | 2,661 | ​ | ​ | 55 | ​ | ​ | 3,333 | ​ | ​ | 139 | ​ | ​ | 4,095 | ​ | ​ | 175
One-to-four family residential | ​ | ​ | 8,236 | ​ | ​ | 269 | ​ | ​ | 11,142 | ​ | ​ | 426 | ​ | ​ | 11,774 | ​ | ​ | 319
Municipal, consumer, and other | ​ | ​ | 13,347 | ​ | ​ | 244 | ​ | ​ | 13,706 | ​ | ​ | 401 | ​ | ​ | 14,158 | ​ | ​ | 500
Total | ​ | $ | 71,425 | ​ | $ | 2,762 | ​ | $ | 80,432 | ​ | $ | 3,270 | ​ | $ | 73,310 | ​ | $ | 2,861
Schedule of recorded investment on past due basis | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Accruing Interest | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 30 - 89 Days | ​ | 90+ Days | ​ | ​ | ​ | ​ | Total
December 31, 2021 |  | Current |  | Past Due |  | Past Due |  | Nonaccrual |  | Loans
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 286,563 | ​ | $ | 9 | ​ | $ | — | ​ | $ | 374 | ​ | $ | 286,946
Agricultural and farmland | ​ | ​ | 247,772 | ​ | ​ | 24 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 247,796
Commercial real estate - owner occupied | ​ | ​ | 234,441 | ​ | ​ | 103 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 234,544
Commercial real estate - non-owner occupied | ​ | ​ | 683,029 | ​ | ​ | 823 | ​ | ​ | — | ​ | ​ | 171 | ​ | ​ | 684,023
Multi-family | ​ | ​ | 263,911 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 263,911
Construction and land development | ​ | ​ | 297,465 | ​ | ​ | 64 | ​ | ​ | — | ​ | ​ | 519 | ​ | ​ | 298,048
One-to-four family residential | ​ | ​ | 325,780 | ​ | ​ | 383 | ​ | ​ | 32 | ​ | ​ | 1,642 | ​ | ​ | 327,837
Municipal, consumer, and other | ​ | ​ | 156,297 | ​ | ​ | 214 | ​ | ​ | 16 | ​ | ​ | 57 | ​ | ​ | 156,584
Total | ​ | $ | 2,495,258 | ​ | $ | 1,620 | ​ | $ | 48 | ​ | $ | 2,763 | ​ | $ | 2,499,689
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Accruing Interest | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 30 - 89 Days | ​ | 90+ Days | ​ | ​ | ​ | ​ | Total
December 31, 2020 |  | Current |  | Past Due |  | Past Due |  | Nonaccrual |  | Loans
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 392,490 | ​ | $ | — | ​ | $ | — | ​ | $ | 822 | ​ | $ | 393,312
Agricultural and farmland | ​ | ​ | 222,723 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 222,723
Commercial real estate - owner occupied | ​ | ​ | 221,308 | ​ | ​ | 112 | ​ | ​ | — | ​ | ​ | 940 | ​ | ​ | 222,360
Commercial real estate - non-owner occupied | ​ | ​ | 516,387 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,008 | ​ | ​ | 520,395
Multi-family | ​ | ​ | 236,391 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 236,391
Construction and land development | ​ | ​ | 225,508 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 144 | ​ | ​ | 225,652
One-to-four family residential | ​ | ​ | 301,282 | ​ | ​ | 984 | ​ | ​ | 595 | ​ | ​ | 3,914 | ​ | ​ | 306,775
Municipal, consumer, and other | ​ | ​ | 119,055 | ​ | ​ | 211 | ​ | ​ | 21 | ​ | ​ | 111 | ​ | ​ | 119,398
Total | ​ | $ | 2,235,144 | ​ | $ | 1,307 | ​ | $ | 616 | ​ | $ | 9,939 | ​ | $ | 2,247,006
Schedule of loans by category risk ratings | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
December 31, 2021 |  | Pass |  | Pass-Watch |  | Substandard |  | Doubtful |  | Total
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 267,088 | ​ | $ | 5,114 | ​ | $ | 14,744 | ​ | $ | — | ​ | $ | 286,946
Agricultural and farmland | ​ | ​ | 221,898 | ​ | ​ | 25,213 | ​ | ​ | 685 | ​ | ​ | — | ​ | ​ | 247,796
Commercial real estate - owner occupied | ​ | ​ | 198,862 | ​ | ​ | 24,098 | ​ | ​ | 11,584 | ​ | ​ | — | ​ | ​ | 234,544
Commercial real estate - non-owner occupied | ​ | ​ | 619,212 | ​ | ​ | 32,372 | ​ | ​ | 32,439 | ​ | ​ | — | ​ | ​ | 684,023
Multi-family | ​ | ​ | 241,362 | ​ | ​ | 22,549 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 263,911
Construction and land development | ​ | ​ | 268,556 | ​ | ​ | 27,474 | ​ | ​ | 2,018 | ​ | ​ | — | ​ | ​ | 298,048
One-to-four family residential | ​ | ​ | 308,951 | ​ | ​ | 11,221 | ​ | ​ | 7,665 | ​ | ​ | — | ​ | ​ | 327,837
Municipal, consumer, and other | ​ | ​ | 143,299 | ​ | ​ | 244 | ​ | ​ | 13,041 | ​ | ​ | — | ​ | ​ | 156,584
Total | ​ | $ | 2,269,228 | ​ | $ | 148,285 | ​ | $ | 82,176 | ​ | $ | — | ​ | $ | 2,499,689
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
December 31, 2020 |  | Pass |  | Pass-Watch |  | Substandard |  | Doubtful |  | Total
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 368,843 | ​ | $ | 18,258 | ​ | $ | 6,211 | ​ | $ | — | ​ | $ | 393,312
Agricultural and farmland | ​ | ​ | 191,662 | ​ | ​ | 25,540 | ​ | ​ | 5,521 | ​ | ​ | — | ​ | ​ | 222,723
Commercial real estate - owner occupied | ​ | ​ | 176,823 | ​ | ​ | 31,990 | ​ | ​ | 13,547 | ​ | ​ | — | ​ | ​ | 222,360
Commercial real estate - non-owner occupied | ​ | ​ | 432,752 | ​ | ​ | 58,699 | ​ | ​ | 28,944 | ​ | ​ | — | ​ | ​ | 520,395
Multi-family | ​ | ​ | 204,449 | ​ | ​ | 31,066 | ​ | ​ | 876 | ​ | ​ | — | ​ | ​ | 236,391
Construction and land development | ​ | ​ | 193,646 | ​ | ​ | 28,193 | ​ | ​ | 3,813 | ​ | ​ | — | ​ | ​ | 225,652
One-to-four family residential | ​ | ​ | 280,198 | ​ | ​ | 14,526 | ​ | ​ | 12,051 | ​ | ​ | — | ​ | ​ | 306,775
Municipal, consumer, and other | ​ | ​ | 105,539 | ​ | ​ | 312 | ​ | ​ | 13,547 | ​ | ​ | — | ​ | ​ | 119,398
Total | ​ | $ | 1,953,912 | ​ | $ | 208,584 | ​ | $ | 84,510 | ​ | $ | — | ​ | $ | 2,247,006
Schedule of financial effect of troubled debt restructurings | There were no troubled debt restructurings during the year ended December 31, 2021. The following tables present the financial effect of troubled debt restructurings for the years ended December 31, 2020 and 2019: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Charge-offs
​ | ​ | ​ | ​ | Recorded Investment | ​ | and Specific
Year Ended December 31, 2020 |  | Number |  | Pre-Modification |  | Post-Modification |  | Reserves
​ | ​ | (dollars in thousands)
Commercial real estate - owner occupied | ​ | 1 | ​ | ​ | 853 | ​ | ​ | 853 | ​ | ​ | —
Total | ​ | 1 | ​ | $ | 853 | ​ | $ | 853 | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Charge-offs
​ | ​ | ​ | ​ | Recorded Investment | ​ | and Specific
Year Ended December 31, 2019 |  | Number |  | Pre-Modification |  | Post-Modification |  | Reserves
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | 3 | ​ | $ | 516 | ​ | $ | 516 | ​ | $ | —
Agricultural and farmland | ​ | 2 | ​ | ​ | 392 | ​ | ​ | 392 | ​ | ​ | —
Commercial real estate - owner occupied | ​ | 1 | ​ | ​ | 170 | ​ | ​ | 170 | ​ | ​ | —
One-to-four family residential | ​ | 1 | ​ | ​ | 21 | ​ | ​ | 21 | ​ | ​ | —
Total | ​ | 7 | ​ | $ | 1,099 | ​ | $ | 1,099 | ​ | $ | —
Schedule of changes in the accretable yield for loans acquired with deteriorated credit quality | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31,
​ | ​ | 2021 |  | 2020 |  | 2019
​ | ​ | (dollars in thousands)
Beginning balance | ​ | $ | 1,397 | ​ | $ | 1,662 | ​ | $ | 2,101
Reclassification from non-accretable difference | ​ | ​ | 508 | ​ | ​ | 288 | ​ | ​ | 822
Disposals | ​ | ​ | (1,089) | ​ | ​ | — | ​ | ​ | —
Accretion income | ​ | ​ | (403) | ​ | ​ | (553) | ​ | ​ | (1,261)
Ending balance | ​ | $ | 413 | ​ | $ | 1,397 | ​ | $ | 1,662

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