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LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2022
LOANS AND THE ALLOWANCE FOR LOAN LOSSES |
Summary of Loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, 2022 |  | December 31, 2021
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 266,757 | ​ | $ | 286,946
Agricultural and farmland | ​ | ​ | 237,746 | ​ | ​ | 247,796
Commercial real estate - owner occupied | ​ | ​ | 218,503 | ​ | ​ | 234,544
Commercial real estate - non-owner occupied | ​ | ​ | 713,202 | ​ | ​ | 684,023
Multi-family | ​ | ​ | 287,865 | ​ | ​ | 263,911
Construction and land development | ​ | ​ | 360,824 | ​ | ​ | 298,048
One-to-four family residential | ​ | ​ | 338,253 | ​ | ​ | 327,837
Municipal, consumer, and other | ​ | ​ | 197,103 | ​ | ​ | 156,584
Loans, before allowance for loan losses | ​ | ​ | 2,620,253 | ​ | ​ | 2,499,689
Allowance for loan losses | ​ | ​ | (25,333) | ​ | ​ | (23,936)
Loans, net of allowance for loan losses | ​ | $ | 2,594,920 | ​ | $ | 2,475,753
​ | ​ | ​ | ​ | ​ | ​ | ​
Paycheck Protection Program (PPP) loans (included above) | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 28 | ​ | $ | 28,404
Agricultural and farmland | ​ | ​ | — | ​ | ​ | 913
Municipal, consumer, and other | ​ | ​ | — | ​ | ​ | 171
Total PPP loans | ​ | $ | 28 | ​ | $ | 29,488
​
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, 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
Provision for loan losses | ​ | ​ | 88 | ​ | ​ | (49) | ​ | ​ | (1,653) | ​ | ​ | (1,707) | ​ | ​ | 209 | ​ | ​ | (692) | ​ | ​ | 146 | ​ | ​ | 2,952 | ​ | ​ | (706)
Charge-offs | ​ | ​ | (23) | ​ | ​ | — | ​ | ​ | (25) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (67) | ​ | ​ | (569) | ​ | ​ | (684)
Recoveries | ​ | ​ | 774 | ​ | ​ | — | ​ | ​ | 1,031 | ​ | ​ | 283 | ​ | ​ | — | ​ | ​ | 1 | ​ | ​ | 369 | ​ | ​ | 329 | ​ | ​ | 2,787
Balance, December 31, 2022 | ​ | $ | 3,279 | ​ | $ | 796 | ​ | $ | 1,193 | ​ | $ | 6,721 | ​ | $ | 1,472 | ​ | $ | 4,223 | ​ | $ | 1,759 | ​ | $ | 5,890 | ​ | $ | 25,333
​ ​ 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, 2022 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Loan balances: | ​ | (dollars in thousands)
Collectively evaluated for impairment | ​ | $ | 261,833 | ​ | $ | 233,118 | ​ | $ | 203,558 | ​ | $ | 671,663 | ​ | $ | 287,298 | ​ | $ | 359,892 | ​ | $ | 325,621 | ​ | $ | 184,579 | ​ | $ | 2,527,562
Individually evaluated for impairment | ​ | ​ | 4,818 | ​ | ​ | 4,033 | ​ | ​ | 11,366 | ​ | ​ | 30,509 | ​ | ​ | — | ​ | ​ | 82 | ​ | ​ | 8,399 | ​ | ​ | 12,508 | ​ | ​ | 71,715
Acquired with deteriorated credit quality | ​ | ​ | 106 | ​ | ​ | 595 | ​ | ​ | 3,579 | ​ | ​ | 11,030 | ​ | ​ | 567 | ​ | ​ | 850 | ​ | ​ | 4,233 | ​ | ​ | 16 | ​ | ​ | 20,976
Total | ​ | $ | 266,757 | ​ | $ | 237,746 | ​ | $ | 218,503 | ​ | $ | 713,202 | ​ | $ | 287,865 | ​ | $ | 360,824 | ​ | $ | 338,253 | ​ | $ | 197,103 | ​ | $ | 2,620,253
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Collectively evaluated for impairment | ​ | $ | 3,121 | ​ | $ | 796 | ​ | $ | 1,008 | ​ | $ | 4,332 | ​ | $ | 1,470 | ​ | $ | 4,221 | ​ | $ | 1,709 | ​ | $ | 2,327 | ​ | $ | 18,984
Individually evaluated for impairment | ​ | ​ | 158 | ​ | ​ | — | ​ | ​ | 168 | ​ | ​ | 2,388 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 44 | ​ | ​ | 3,562 | ​ | ​ | 6,320
Acquired with deteriorated credit quality | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 17 | ​ | ​ | 1 | ​ | ​ | 2 | ​ | ​ | 2 | ​ | ​ | 6 | ​ | ​ | 1 | ​ | ​ | 29
Total | ​ | $ | 3,279 | ​ | $ | 796 | ​ | $ | 1,193 | ​ | $ | 6,721 | ​ | $ | 1,472 | ​ | $ | 4,223 | ​ | $ | 1,759 | ​ | $ | 5,890 | ​ | $ | 25,333
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 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 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Unpaid | ​ | ​ | ​ |  | ​ | ​
​ | ​ | Principal | ​ | Recorded | ​ | Related
December 31, 2022 |  | Balance |  | Investment |  | Allowance
With an allowance recorded: | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 268 | ​ | $ | 254 | ​ | $ | 158
Agricultural and farmland | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial real estate - owner occupied | ​ | ​ | 635 | ​ | ​ | 610 | ​ | ​ | 168
Commercial real estate - non-owner occupied | ​ | ​ | 14,269 | ​ | ​ | 14,261 | ​ | ​ | 2,388
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
One-to-four family residential | ​ | ​ | 569 | ​ | ​ | 524 | ​ | ​ | 44
Municipal, consumer, and other | ​ | ​ | 8,152 | ​ | ​ | 8,131 | ​ | ​ | 3,562
Total | ​ | $ | 23,893 | ​ | $ | 23,780 | ​ | $ | 6,320
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With no related allowance: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 4,564 | ​ | $ | 4,564 | ​ | $ | —
Agricultural and farmland | ​ | ​ | 4,440 | ​ | ​ | 4,033 | ​ | ​ | —
Commercial real estate - owner occupied | ​ | ​ | 10,912 | ​ | ​ | 10,756 | ​ | ​ | —
Commercial real estate - non-owner occupied | ​ | ​ | 16,327 | ​ | ​ | 16,248 | ​ | ​ | —
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | 92 | ​ | ​ | 82 | ​ | ​ | —
One-to-four family residential | ​ | ​ | 9,181 | ​ | ​ | 7,875 | ​ | ​ | —
Municipal, consumer, and other | ​ | ​ | 4,410 | ​ | ​ | 4,377 | ​ | ​ | —
Total | ​ | $ | 49,926 | ​ | $ | 47,935 | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total loans individually evaluated for impairment: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 4,832 | ​ | $ | 4,818 | ​ | $ | 158
Agricultural and farmland | ​ | ​ | 4,440 | ​ | ​ | 4,033 | ​ | ​ | —
Commercial real estate - owner occupied | ​ | ​ | 11,547 | ​ | ​ | 11,366 | ​ | ​ | 168
Commercial real estate - non-owner occupied | ​ | ​ | 30,596 | ​ | ​ | 30,509 | ​ | ​ | 2,388
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | 92 | ​ | ​ | 82 | ​ | ​ | —
One-to-four family residential | ​ | ​ | 9,750 | ​ | ​ | 8,399 | ​ | ​ | 44
Municipal, consumer, and other | ​ | ​ | 12,562 | ​ | ​ | 12,508 | ​ | ​ | 3,562
Total | ​ | $ | 73,819 | ​ | $ | 71,715 | ​ | $ | 6,320
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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 during the years ended December 31: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31,
​ | ​ | 2022 | ​ | 2021 | ​ | 2020
​ |  | 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 | ​ | $ | 204 | ​ | $ | 18 | ​ | $ | 1,593 | ​ | $ | 89 | ​ | $ | 3,031 | ​ | $ | 169
Agricultural and farmland | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 83 | ​ | ​ | 4 | ​ | ​ | 273 | ​ | ​ | 9
Commercial real estate - owner occupied | ​ | ​ | 970 | ​ | ​ | 63 | ​ | ​ | 3,052 | ​ | ​ | 177 | ​ | ​ | 1,622 | ​ | ​ | 98
Commercial real estate - non-owner occupied | ​ | ​ | 10,943 | ​ | ​ | 740 | ​ | ​ | 16,494 | ​ | ​ | 791 | ​ | ​ | 6,345 | ​ | ​ | 220
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Construction and land development | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 554 | ​ | ​ | 27 | ​ | ​ | 2,441 | ​ | ​ | 116
One-to-four family residential | ​ | ​ | 384 | ​ | ​ | 16 | ​ | ​ | 1,988 | ​ | ​ | 77 | ​ | ​ | 3,120 | ​ | ​ | 110
Municipal, consumer, and other | ​ | ​ | 6,259 | ​ | ​ | 236 | ​ | ​ | 8,681 | ​ | ​ | 158 | ​ | ​ | 10,617 | ​ | ​ | 286
Total | ​ | $ | 18,760 | ​ | $ | 1,073 | ​ | $ | 32,445 | ​ | $ | 1,323 | ​ | $ | 27,449 | ​ | $ | 1,008
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With no related allowance: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 9,568 | ​ | $ | 453 | ​ | $ | 7,125 | ​ | $ | 330 | ​ | $ | 4,004 | ​ | $ | 251
Agricultural and farmland | ​ | ​ | 228 | ​ | ​ | 13 | ​ | ​ | 290 | ​ | ​ | 17 | ​ | ​ | 11,061 | ​ | ​ | 561
Commercial real estate - owner occupied | ​ | ​ | 8,619 | ​ | ​ | 525 | ​ | ​ | 7,771 | ​ | ​ | 344 | ​ | ​ | 11,056 | ​ | ​ | 528
Commercial real estate - non-owner occupied | ​ | ​ | 12,636 | ​ | ​ | 1,278 | ​ | ​ | 10,339 | ​ | ​ | 432 | ​ | ​ | 14,412 | ​ | ​ | 458
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 434 | ​ | ​ | 10 | ​ | ​ | 447 | ​ | ​ | 10
Construction and land development | ​ | ​ | 1,505 | ​ | ​ | 106 | ​ | ​ | 2,107 | ​ | ​ | 28 | ​ | ​ | 892 | ​ | ​ | 23
One-to-four family residential | ​ | ​ | 6,238 | ​ | ​ | 352 | ​ | ​ | 6,248 | ​ | ​ | 192 | ​ | ​ | 8,022 | ​ | ​ | 316
Municipal, consumer, and other | ​ | ​ | 3,361 | ​ | ​ | 148 | ​ | ​ | 4,666 | ​ | ​ | 86 | ​ | ​ | 3,089 | ​ | ​ | 115
Total | ​ | $ | 42,155 | ​ | $ | 2,875 | ​ | $ | 38,980 | ​ | $ | 1,439 | ​ | $ | 52,983 | ​ | $ | 2,262
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total loans individually evaluated for impairment: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | $ | 9,772 | ​ | $ | 471 | ​ | $ | 8,718 | ​ | $ | 419 | ​ | $ | 7,035 | ​ | $ | 420
Agricultural and farmland | ​ | ​ | 228 | ​ | ​ | 13 | ​ | ​ | 373 | ​ | ​ | 21 | ​ | ​ | 11,334 | ​ | ​ | 570
Commercial real estate - owner occupied | ​ | ​ | 9,589 | ​ | ​ | 588 | ​ | ​ | 10,823 | ​ | ​ | 521 | ​ | ​ | 12,678 | ​ | ​ | 626
Commercial real estate - non-owner occupied | ​ | ​ | 23,579 | ​ | ​ | 2,018 | ​ | ​ | 26,833 | ​ | ​ | 1,223 | ​ | ​ | 20,757 | ​ | ​ | 678
Multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 434 | ​ | ​ | 10 | ​ | ​ | 447 | ​ | ​ | 10
Construction and land development | ​ | ​ | 1,505 | ​ | ​ | 106 | ​ | ​ | 2,661 | ​ | ​ | 55 | ​ | ​ | 3,333 | ​ | ​ | 139
One-to-four family residential | ​ | ​ | 6,622 | ​ | ​ | 368 | ​ | ​ | 8,236 | ​ | ​ | 269 | ​ | ​ | 11,142 | ​ | ​ | 426
Municipal, consumer, and other | ​ | ​ | 9,620 | ​ | ​ | 384 | ​ | ​ | 13,347 | ​ | ​ | 244 | ​ | ​ | 13,706 | ​ | ​ | 401
Total | ​ | $ | 60,915 | ​ | $ | 3,948 | ​ | $ | 71,425 | ​ | $ | 2,762 | ​ | $ | 80,432 | ​ | $ | 3,270
Schedule of recorded investment on past due basis | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Accruing Interest | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 30 - 89 Days | ​ | 90+ Days | ​ | ​ | ​ | ​ | Total
December 31, 2022 |  | Current |  | Past Due |  | Past Due |  | Nonaccrual |  | Loans
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 266,521 | ​ | $ | 17 | ​ | $ | — | ​ | $ | 219 | ​ | $ | 266,757
Agricultural and farmland | ​ | ​ | 237,727 | ​ | ​ | 19 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 237,746
Commercial real estate - owner occupied | ​ | ​ | 218,242 | ​ | ​ | 187 | ​ | ​ | — | ​ | ​ | 74 | ​ | ​ | 218,503
Commercial real estate - non-owner occupied | ​ | ​ | 713,031 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 171 | ​ | ​ | 713,202
Multi-family | ​ | ​ | 287,854 | ​ | ​ | 11 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 287,865
Construction and land development | ​ | ​ | 360,763 | ​ | ​ | 61 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 360,824
One-to-four family residential | ​ | ​ | 335,576 | ​ | ​ | 894 | ​ | ​ | 145 | ​ | ​ | 1,638 | ​ | ​ | 338,253
Municipal, consumer, and other | ​ | ​ | 196,892 | ​ | ​ | 157 | ​ | ​ | 1 | ​ | ​ | 53 | ​ | ​ | 197,103
Total | ​ | $ | 2,616,606 | ​ | $ | 1,346 | ​ | $ | 146 | ​ | $ | 2,155 | ​ | $ | 2,620,253
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
December 31, 2022 |  | Pass |  | Pass-Watch |  | Substandard |  | Doubtful |  | Total
​ | ​ | (dollars in thousands)
Commercial and industrial | ​ | $ | 255,309 | ​ | $ | 6,630 | ​ | $ | 4,818 | ​ | $ | — | ​ | $ | 266,757
Agricultural and farmland | ​ | ​ | 223,114 | ​ | ​ | 10,004 | ​ | ​ | 4,628 | ​ | ​ | — | ​ | ​ | 237,746
Commercial real estate - owner occupied | ​ | ​ | 198,546 | ​ | ​ | 10,105 | ​ | ​ | 9,852 | ​ | ​ | — | ​ | ​ | 218,503
Commercial real estate - non-owner occupied | ​ | ​ | 652,691 | ​ | ​ | 27,282 | ​ | ​ | 33,229 | ​ | ​ | — | ​ | ​ | 713,202
Multi-family | ​ | ​ | 283,682 | ​ | ​ | 4,183 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 287,865
Construction and land development | ​ | ​ | 358,215 | ​ | ​ | 2,527 | ​ | ​ | 82 | ​ | ​ | — | ​ | ​ | 360,824
One-to-four family residential | ​ | ​ | 323,632 | ​ | ​ | 5,907 | ​ | ​ | 8,714 | ​ | ​ | — | ​ | ​ | 338,253
Municipal, consumer, and other | ​ | ​ | 184,299 | ​ | ​ | 296 | ​ | ​ | 12,508 | ​ | ​ | — | ​ | ​ | 197,103
Total | ​ | $ | 2,479,488 | ​ | $ | 66,934 | ​ | $ | 73,831 | ​ | $ | — | ​ | $ | 2,620,253
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
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 financial effect of troubled debt restructurings | There were no troubled debt restructurings during the years ended December 31, 2022 and 2021. The following table presents the financial effect of troubled debt restructurings for the year ended December 31, 2020: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 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 | ​ | $ | —
​
Schedule of changes in the accretable yield for loans acquired with deteriorated credit quality | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31,
​ | ​ | 2022 |  | 2021 |  | 2020
​ | ​ | (dollars in thousands)
Beginning balance | ​ | $ | 413 | ​ | $ | 1,397 | ​ | $ | 1,662
Reclassification from non-accretable difference | ​ | ​ | 548 | ​ | ​ | 508 | ​ | ​ | 288
Disposals | ​ | ​ | — | ​ | ​ | (1,089) | ​ | ​ | —
Accretion income | ​ | ​ | (231) | ​ | ​ | (403) | ​ | ​ | (553)
Ending balance | ​ | $ | 730 | ​ | $ | 413 | ​ | $ | 1,397

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