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LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2022
LOANS AND THE ALLOWANCE FOR LOAN LOSSES |
Summary of Loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | March 31, 2022 |  | December 31, 2021
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 291,909 | ​ | $ | 286,946
Agricultural and farmland | ​ | ​ | 232,528 | ​ | ​ | 247,796
Commercial real estate - owner occupied | ​ | ​ | 237,000 | ​ | ​ | 234,544
Commercial real estate - non-owner occupied | ​ | ​ | 687,617 | ​ | ​ | 684,023
Multi-family | ​ | ​ | 243,447 | ​ | ​ | 263,911
Construction and land development | ​ | ​ | 320,030 | ​ | ​ | 298,048
One-to-four family residential | ​ | ​ | 327,791 | ​ | ​ | 327,837
Municipal, consumer, and other | ​ | ​ | 147,463 | ​ | ​ | 156,584
Loans, before allowance for loan losses | ​ | ​ | 2,487,785 | ​ | ​ | 2,499,689
Allowance for loan losses | ​ | ​ | (24,508) | ​ | ​ | (23,936)
Loans, net of allowance for loan losses | ​ | $ | 2,463,277 | ​ | $ | 2,475,753
​ | ​ | ​ | ​ | ​ | ​ | ​
Paycheck Protection Program (PPP) loans (included above) | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 16,184 | ​ | $ | 28,404
Agricultural and farmland | ​ | ​ | 392 | ​ | ​ | 913
Municipal, consumer, and other | ​ | ​ | — | ​ | ​ | 171
Total PPP loans | ​ | $ | 16,576 | ​ | $ | 29,488
Schedule of activity in allowance for loan losses | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Municipal, | ​ | ​ | ​
​ | ​ | Commercial | ​ | Agricultural | ​ | Real Estate | ​ | Real Estate | ​ | ​ | ​ | ​ | Construction | ​ | One-to-four | ​ | Consumer, | ​ | ​ | ​
​ | ​ | and | ​ | and | ​ | Owner | ​ | Non-owner | ​ | ​ | ​ | ​ | and Land | ​ | Family | ​ | and | ​ | ​ | ​
Three Months Ended March 31, 2022 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Allowance for loan losses: | ​ | (dollars in thousands)
Balance, December 31, 2021 | ​ | $ | 2,440 | ​ | $ | 845 | ​ | $ | 1,840 | ​ | $ | 8,145 | ​ | $ | 1,263 | ​ | $ | 4,914 | ​ | $ | 1,311 | ​ | $ | 3,178 | ​ | $ | 23,936
Provision for loan losses | ​ | ​ | (653) | ​ | ​ | (3) | ​ | ​ | (429) | ​ | ​ | (1,396) | ​ | ​ | 91 | ​ | ​ | (421) | ​ | ​ | 120 | ​ | ​ | 2,107 | ​ | ​ | (584)
Charge-offs | ​ | ​ | (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (2) | ​ | ​ | (127) | ​ | ​ | (134)
Recoveries | ​ | ​ | 709 | ​ | ​ | — | ​ | ​ | 100 | ​ | ​ | 265 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 154 | ​ | ​ | 62 | ​ | ​ | 1,290
Balance, March 31, 2022 | ​ | $ | 2,491 | ​ | $ | 842 | ​ | $ | 1,511 | ​ | $ | 7,014 | ​ | $ | 1,354 | ​ | $ | 4,493 | ​ | $ | 1,583 | ​ | $ | 5,220 | ​ | $ | 24,508
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Municipal, | ​ | ​ | ​
​ | ​ | Commercial | ​ | Agricultural | ​ | Real Estate | ​ | Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Consumer | ​ | ​ | ​
​ | ​ | and | ​ | and | ​ | Owner | ​ | Non-owner | ​ | ​ | ​ | ​ | Construction | ​ | Residential | ​ | and | ​ | ​ | ​
Three Months Ended March 31, 2021 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | and Land |  | Real Estate |  | Other |  | Total
Allowance for loan losses: | ​ | (dollars in thousands)
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 | ​ | ​ | (1,802) | ​ | ​ | 72 | ​ | ​ | (426) | ​ | ​ | 72 | ​ | ​ | 133 | ​ | ​ | (316) | ​ | ​ | (198) | ​ | ​ | (940) | ​ | ​ | (3,405)
Charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (72) | ​ | ​ | (123) | ​ | ​ | (195)
Recoveries | ​ | ​ | 293 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7 | ​ | ​ | — | ​ | ​ | 90 | ​ | ​ | 42 | ​ | ​ | 89 | ​ | ​ | 521
Balance, March 31, 2021 | ​ | $ | 2,420 | ​ | $ | 865 | ​ | $ | 2,715 | ​ | $ | 11,330 | ​ | $ | 2,090 | ​ | $ | 4,006 | ​ | $ | 1,573 | ​ | $ | 3,760 | ​ | $ | 28,759
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Municipal, | ​ | ​ | ​
​ | ​ | Commercial | ​ | Agricultural | ​ | Real Estate | ​ | Real Estate | ​ | ​ | ​ | ​ | Construction | ​ | One-to-four | ​ | Consumer, | ​ | ​ | ​
​ | ​ | and | ​ | and | ​ | Owner | ​ | Non-owner | ​ | ​ | ​ | ​ | and Land | ​ | Family | ​ | and | ​ | ​ | ​
March 31, 2022 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Loan balances: | ​ | (dollars in thousands)
Collectively evaluated for impairment | ​ | $ | 270,193 | ​ | $ | 231,551 | ​ | $ | 218,324 | ​ | $ | 645,060 | ​ | $ | 242,249 | ​ | $ | 316,799 | ​ | $ | 312,978 | ​ | $ | 134,474 | ​ | $ | 2,371,628
Individually evaluated for impairment | ​ | ​ | 21,579 | ​ | ​ | 234 | ​ | ​ | 13,384 | ​ | ​ | 30,196 | ​ | ​ | — | ​ | ​ | 2,010 | ​ | ​ | 9,046 | ​ | ​ | 12,960 | ​ | ​ | 89,409
Acquired with deteriorated credit quality | ​ | ​ | 137 | ​ | ​ | 743 | ​ | ​ | 5,292 | ​ | ​ | 12,361 | ​ | ​ | 1,198 | ​ | ​ | 1,221 | ​ | ​ | 5,767 | ​ | ​ | 29 | ​ | ​ | 26,748
Total | ​ | $ | 291,909 | ​ | $ | 232,528 | ​ | $ | 237,000 | ​ | $ | 687,617 | ​ | $ | 243,447 | ​ | $ | 320,030 | ​ | $ | 327,791 | ​ | $ | 147,463 | ​ | $ | 2,487,785
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Collectively evaluated for impairment | ​ | $ | 2,328 | ​ | $ | 842 | ​ | $ | 1,261 | ​ | $ | 4,190 | ​ | $ | 1,351 | ​ | $ | 4,488 | ​ | $ | 1,423 | ​ | $ | 1,316 | ​ | $ | 17,199
Individually evaluated for impairment | ​ | ​ | 163 | ​ | ​ | — | ​ | ​ | 221 | ​ | ​ | 2,821 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 157 | ​ | ​ | 3,903 | ​ | ​ | 7,265
Acquired with deteriorated credit quality | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 29 | ​ | ​ | 3 | ​ | ​ | 3 | ​ | ​ | 5 | ​ | ​ | 3 | ​ | ​ | 1 | ​ | ​ | 44
Total | ​ | $ | 2,491 | ​ | $ | 842 | ​ | $ | 1,511 | ​ | $ | 7,014 | ​ | $ | 1,354 | ​ | $ | 4,493 | ​ | $ | 1,583 | ​ | $ | 5,220 | ​ | $ | 24,508
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 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
​
Schedule of loans individually evaluated for impairment by category | The following tables present loans individually evaluated for impairment by category of loans:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Unpaid | ​ | ​ | ​ |  | ​ | ​
​ | ​ | Principal | ​ | Recorded | ​ | Related
March 31, 2022 |  | Balance |  | Investment |  | Allowance
With an allowance recorded: | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 282 | ​ | $ | 282 | ​ | $ | 163
Agricultural and farmland | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial real estate - owner occupied | ​ | ​ | 2,416 | ​ | ​ | 2,416 | ​ | ​ | 221
Commercial real estate - non-owner occupied | ​ | ​ | 14,736 | ​ | ​ | 14,720 | ​ | ​ | 2,821
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
One-to-four family residential | ​ | ​ | 678 | ​ | ​ | 634 | ​ | ​ | 157
Municipal, consumer, and other | ​ | ​ | 8,478 | ​ | ​ | 8,455 | ​ | ​ | 3,903
Total | ​ | $ | 26,590 | ​ | $ | 26,507 | ​ | $ | 7,265
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With no related allowance: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 21,339 | ​ | $ | 21,297 | ​ | $ | —
Agricultural and farmland | ​ | ​ | 234 | ​ | ​ | 234 | ​ | ​ | —
Commercial real estate - owner occupied | ​ | ​ | 11,186 | ​ | ​ | 10,968 | ​ | ​ | —
Commercial real estate - non-owner occupied | ​ | ​ | 15,550 | ​ | ​ | 15,476 | ​ | ​ | —
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | 2,110 | ​ | ​ | 2,010 | ​ | ​ | —
One-to-four family residential | ​ | ​ | 9,711 | ​ | ​ | 8,412 | ​ | ​ | —
Municipal, consumer, and other | ​ | ​ | 4,564 | ​ | ​ | 4,505 | ​ | ​ | —
Total | ​ | $ | 64,694 | ​ | $ | 62,902 | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total loans individually evaluated for impairment: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 21,621 | ​ | $ | 21,579 | ​ | $ | 163
Agricultural and farmland | ​ | ​ | 234 | ​ | ​ | 234 | ​ | ​ | —
Commercial real estate - owner occupied | ​ | ​ | 13,602 | ​ | ​ | 13,384 | ​ | ​ | 221
Commercial real estate - non-owner occupied | ​ | ​ | 30,286 | ​ | ​ | 30,196 | ​ | ​ | 2,821
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | 2,110 | ​ | ​ | 2,010 | ​ | ​ | —
One-to-four family residential | ​ | ​ | 10,389 | ​ | ​ | 9,046 | ​ | ​ | 157
Municipal, consumer, and other | ​ | ​ | 13,042 | ​ | ​ | 12,960 | ​ | ​ | 3,903
Total | ​ | $ | 91,284 | ​ | $ | 89,409 | ​ | $ | 7,265
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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
​ ​ The following table presents the average recorded investment and interest income recognized for loans individually evaluated for impairment by category of loans:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended March 31,
​ | ​ | 2022 | ​ | 2021
​ |  | Average | ​ | Interest | ​ | Average |  | Interest
​ | ​ | Recorded | ​ | Income | ​ | Recorded | ​ | Income
​ |  | Investment |  | Recognized |  | Investment |  | Recognized
With an allowance recorded: | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 292 | ​ | $ | 4 | ​ | $ | 2,266 | ​ | $ | 31
Agricultural and farmland | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 168 | ​ | ​ | 2
Commercial real estate - owner occupied | ​ | ​ | 2,425 | ​ | ​ | 33 | ​ | ​ | 3,244 | ​ | ​ | 41
Commercial real estate - non-owner occupied | ​ | ​ | 14,854 | ​ | ​ | 186 | ​ | ​ | 20,361 | ​ | ​ | 208
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,248 | ​ | ​ | 27
One-to-four family residential | ​ | ​ | 647 | ​ | ​ | 5 | ​ | ​ | 2,644 | ​ | ​ | 23
Municipal, consumer, and other | ​ | ​ | 8,509 | ​ | ​ | 39 | ​ | ​ | 8,802 | ​ | ​ | 40
Total | ​ | $ | 26,727 | ​ | $ | 267 | ​ | $ | 39,733 | ​ | $ | 372
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With no related allowance: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 19,498 | ​ | $ | 200 | ​ | $ | 1,068 | ​ | $ | 14
Agricultural and farmland | ​ | ​ | 236 | ​ | ​ | — | ​ | ​ | 383 | ​ | ​ | 6
Commercial real estate - owner occupied | ​ | ​ | 11,028 | ​ | ​ | 106 | ​ | ​ | 9,600 | ​ | ​ | 122
Commercial real estate - non-owner occupied | ​ | ​ | 15,495 | ​ | ​ | 198 | ​ | ​ | 5,665 | ​ | ​ | 68
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 876 | ​ | ​ | 10
Construction and land development | ​ | ​ | 2,016 | ​ | ​ | 22 | ​ | ​ | 1,764 | ​ | ​ | 26
One-to-four family residential | ​ | ​ | 8,728 | ​ | ​ | 57 | ​ | ​ | 6,981 | ​ | ​ | 49
Municipal, consumer, and other | ​ | ​ | 4,544 | ​ | ​ | 21 | ​ | ​ | 4,746 | ​ | ​ | 22
Total | ​ | $ | 61,545 | ​ | $ | 604 | ​ | $ | 31,083 | ​ | $ | 317
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total loans individually evaluated for impairment: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 19,790 | ​ | $ | 204 | ​ | $ | 3,334 | ​ | $ | 45
Agricultural and farmland | ​ | ​ | 236 | ​ | ​ | — | ​ | ​ | 551 | ​ | ​ | 8
Commercial real estate - owner occupied | ​ | ​ | 13,453 | ​ | ​ | 139 | ​ | ​ | 12,844 | ​ | ​ | 163
Commercial real estate - non-owner occupied | ​ | ​ | 30,349 | ​ | ​ | 384 | ​ | ​ | 26,026 | ​ | ​ | 276
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 876 | ​ | ​ | 10
Construction and land development | ​ | ​ | 2,016 | ​ | ​ | 22 | ​ | ​ | 4,012 | ​ | ​ | 53
One-to-four family residential | ​ | ​ | 9,375 | ​ | ​ | 62 | ​ | ​ | 9,625 | ​ | ​ | 72
Municipal, consumer, and other | ​ | ​ | 13,053 | ​ | ​ | 60 | ​ | ​ | 13,548 | ​ | ​ | 62
Total | ​ | $ | 88,272 | ​ | $ | 871 | ​ | $ | 70,816 | ​ | $ | 689
Schedule of recorded investment on past due basis | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Accruing Interest | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 30 - 89 Days | ​ | 90+ Days | ​ | ​ | ​ | ​ | Total
March 31, 2022 |  | Current |  | Past Due |  | Past Due |  | Nonaccrual |  | Loans
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 291,812 | ​ | $ | 4 | ​ | $ | — | ​ | $ | 93 | ​ | $ | 291,909
Agricultural and farmland | ​ | ​ | 232,528 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 232,528
Commercial real estate - owner occupied | ​ | ​ | 236,898 | ​ | ​ | 102 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 237,000
Commercial real estate - non-owner occupied | ​ | ​ | 687,446 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 171 | ​ | ​ | 687,617
Multi-family | ​ | ​ | 243,447 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 243,447
Construction and land development | ​ | ​ | 319,432 | ​ | ​ | 80 | ​ | ​ | — | ​ | ​ | 518 | ​ | ​ | 320,030
One-to-four family residential | ​ | ​ | 325,648 | ​ | ​ | 484 | ​ | ​ | 25 | ​ | ​ | 1,634 | ​ | ​ | 327,791
Municipal, consumer, and other | ​ | ​ | 147,292 | ​ | ​ | 118 | ​ | ​ | 8 | ​ | ​ | 45 | ​ | ​ | 147,463
Total | ​ | $ | 2,484,503 | ​ | $ | 788 | ​ | $ | 33 | ​ | $ | 2,461 | ​ | $ | 2,487,785
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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
Schedule of loans by category risk ratings | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
March 31, 2022 |  | Pass |  | Pass-Watch |  | Substandard |  | Doubtful |  | Total
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 265,441 | ​ | $ | 4,889 | ​ | $ | 21,579 | ​ | $ | — | ​ | $ | 291,909
Agricultural and farmland | ​ | ​ | 212,526 | ​ | ​ | 19,112 | ​ | ​ | 890 | ​ | ​ | — | ​ | ​ | 232,528
Commercial real estate - owner occupied | ​ | ​ | 199,248 | ​ | ​ | 25,096 | ​ | ​ | 12,656 | ​ | ​ | — | ​ | ​ | 237,000
Commercial real estate - non-owner occupied | ​ | ​ | 631,602 | ​ | ​ | 22,977 | ​ | ​ | 33,038 | ​ | ​ | — | ​ | ​ | 687,617
Multi-family | ​ | ​ | 238,491 | ​ | ​ | 4,956 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 243,447
Construction and land development | ​ | ​ | 293,294 | ​ | ​ | 24,726 | ​ | ​ | 2,010 | ​ | ​ | — | ​ | ​ | 320,030
One-to-four family residential | ​ | ​ | 311,074 | ​ | ​ | 6,932 | ​ | ​ | 9,785 | ​ | ​ | — | ​ | ​ | 327,791
Municipal, consumer, and other | ​ | ​ | 134,300 | ​ | ​ | 203 | ​ | ​ | 12,960 | ​ | ​ | — | ​ | ​ | 147,463
Total | ​ | $ | 2,285,976 | ​ | $ | 108,891 | ​ | $ | 92,918 | ​ | $ | — | ​ | $ | 2,487,785
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
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
Schedule of changes in the accretable yield for loans acquired with deteriorated credit quality | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended March 31,
​ |  | 2022 |  | 2021
​ | ​ | (dollars in thousands)
Beginning balance | ​ | $ | 413 | ​ | $ | 1,397
Reclassification from non-accretable difference | ​ | ​ | 117 | ​ | ​ | 74
Accretion income | ​ | ​ | (46) | ​ | ​ | (133)
Ending balance | ​ | $ | 484 | ​ | $ | 1,338

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