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LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2025
Receivables [Abstract] |
Schedule of Net Loans | Total net loans receivable at March 31, 2025 and December 31, 2024 are summarized as follows:
| March 31, 2025 |  | Percentage of Total |  | December 31, 2024 |  | Percentage of Total
Farmland | $ | 29,398 |  |  | 0.64 | % |  | $ | 31,099 |  |  | 0.67 | %
Owner-occupied, nonfarm nonresidential properties | 520,498 |  |  | 11.29 |  |  | 515,208 |  |  | 11.18 |
Agricultural production and other loans to farmers | 6,405 |  |  | 0.14 |  |  | 6,492 |  |  | 0.14 |
Commercial and Industrial | 708,690 |  |  | 15.37 |  |  | 718,775 |  |  | 15.60 |
Obligations (other than securities and leases) of states and political subdivisions | 137,149 |  |  | 2.97 |  |  | 140,430 |  |  | 3.05 |
Other loans | 27,457 |  |  | 0.59 |  |  | 28,110 |  |  | 0.61 |
Other construction loans and all land development and other land loans | 286,564 |  |  | 6.22 |  |  | 282,912 |  |  | 6.14 |
Multifamily (5 or more) residential properties | 426,002 |  |  | 9.24 |  |  | 411,146 |  |  | 8.92 |
Non-owner occupied, nonfarm nonresidential properties | 1,041,450 |  |  | 22.59 |  |  | 1,033,541 |  |  | 22.42 |
1-4 Family Construction | 16,470 |  |  | 0.36 |  |  | 26,431 |  |  | 0.57 |
Home equity lines of credit | 179,129 |  |  | 3.89 |  |  | 166,327 |  |  | 3.61 |
Residential Mortgages secured by first liens | 1,002,969 |  |  | 21.76 |  |  | 1,012,746 |  |  | 21.97 |
Residential Mortgages secured by junior liens | 106,986 |  |  | 2.32 |  |  | 106,462 |  |  | 2.31 |
Other revolving credit plans | 35,360 |  |  | 0.77 |  |  | 41,095 |  |  | 0.89 |
Automobile | 19,739 |  |  | 0.43 |  |  | 20,961 |  |  | 0.45 |
Other consumer | 51,574 |  |  | 1.12 |  |  | 53,821 |  |  | 1.17 |
Credit cards | 13,978 |  |  | 0.30 |  |  | 13,143 |  |  | 0.29 |
Overdrafts | 191 |  |  | — |  |  | 257 |  |  | 0.01 |
Total loans receivable | $ | 4,610,009 |  |  | 100.00 | % |  | $ | 4,608,956 |  |  | 100.00 | %
Less: Allowance for credit losses | (47,357) |  |  |  |  | (47,357) |  |  |
Loans receivable, net | $ | 4,562,652 |  |  |  |  | $ | 4,561,599 |  |  |
Net deferred loan origination fees included in the above table | $ | 138 |  |  |  |  | $ | 49 |  |  |
Schedule of Allowance for Loan Losses | Transactions in the allowance for credit losses for the three months ended March 31, 2025 were as follows:
| Beginning Allowance |  | (Charge-offs) |  | Recoveries |  | Provision (Benefit) for Credit Losses on Loans Receivable(1) |  | Ending Allowance |
Farmland | $ | 167 |  |  | $ | — |  |  | $ | — |  |  | $ | (6) |  |  | $ | 161 |  |
Owner-occupied, nonfarm nonresidential properties | 5,696 |  |  | (23) |  |  | 14 |  |  | 140 |  |  | 5,827 |  |
Agricultural production and other loans to farmers | 37 |  |  | — |  |  | — |  |  | 2 |  |  | 39 |  |
Commercial and Industrial | 7,759 |  |  | (650) |  |  | — |  |  | 101 |  |  | 7,210 |  |
Obligations (other than securities and leases) of states and political subdivisions | 1,369 |  |  | — |  |  | — |  |  | 2 |  |  | 1,371 |  |
Other loans | 329 |  |  | — |  |  | — |  |  | (3) |  |  | 326 |  |
Other construction loans and all land development and other land loans | 2,571 |  |  | — |  |  | — |  |  | (2) |  |  | 2,569 |  |
Multifamily (5 or more) residential properties | 2,969 |  |  | — |  |  | — |  |  | 123 |  |  | 3,092 |  |
Non-owner occupied, nonfarm nonresidential properties | 10,110 |  |  | — |  |  | — |  |  | 62 |  |  | 10,172 |  |
1-4 Family Construction | 198 |  |  | — |  |  | — |  |  | (76) |  |  | 122 |  |
Home equity lines of credit | 1,340 |  |  | — |  |  | — |  |  | 224 |  |  | 1,564 |  |
Residential Mortgages secured by first liens | 8,958 |  |  | (34) |  |  | — |  |  | 175 |  |  | 9,099 |  |
Residential Mortgages secured by junior liens | 1,343 |  |  | — |  |  | — |  |  | 108 |  |  | 1,451 |  |
Other revolving credit plans | 960 |  |  | (3) |  |  | 1 |  |  | (103) |  |  | 855 |  |
Automobile | 275 |  |  | — |  |  | — |  |  | (13) |  |  | 262 |  |
Other consumer | 2,892 |  |  | (567) |  |  | 12 |  |  | 584 |  |  | 2,921 |  |
Credit cards | 127 |  |  | (122) |  |  | 4 |  |  | 116 |  |  | 125 |  |
Overdrafts | 257 |  |  | (98) |  |  | 27 |  |  | 5 |  |  | 191 |  |
Total loans | $ | 47,357 |  |  | $ | (1,497) |  |  | $ | 58 |  |  | $ | 1,439 |  |  | $ | 47,357 |  |
(1) Excludes provision for credit losses related to unfunded commitments. Note 9, "Off-Balance Sheet Commitments and Contingencies," to the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation. Transactions in the allowance for credit losses for the three months ended March 31, 2024 were as follows:
| Beginning Allowance |  | (Charge-offs) |  | Recoveries |  | Provision (Benefit) for Credit Losses on Loans Receivable(1) |  | Ending Allowance |
Farmland | $ | 126 |  |  | $ | — |  |  | $ | — |  |  | $ | 9 |  |  | $ | 135 |  |
Owner-occupied, nonfarm nonresidential properties | 3,949 |  |  | (596) |  |  | 9 |  |  | 1,111 |  |  | 4,473 |  |
Agricultural production and other loans to farmers | 7 |  |  | — |  |  | — |  |  | 1 |  |  | 8 |  |
Commercial and Industrial | 9,433 |  |  | (71) |  |  | 29 |  |  | (418) |  |  | 8,973 |  |
Obligations (other than securities and leases) of states and political subdivisions | 2,613 |  |  | — |  |  | — |  |  | (76) |  |  | 2,537 |  |
Other loans | 387 |  |  | — |  |  | — |  |  | (9) |  |  | 378 |  |
Other construction loans and all land development and other land loans | 4,033 |  |  | — |  |  | — |  |  | 222 |  |  | 4,255 |  |
Multifamily (5 or more) residential properties | 1,030 |  |  | — |  |  | — |  |  | 37 |  |  | 1,067 |  |
Non-owner occupied, nonfarm nonresidential properties | 9,170 |  |  | — |  |  | — |  |  | (385) |  |  | 8,785 |  |
1-4 Family Construction | 356 |  |  | — |  |  | — |  |  | (53) |  |  | 303 |  |
Home equity lines of credit | 831 |  |  | — |  |  | 1 |  |  | 65 |  |  | 897 |  |
Residential Mortgages secured by first liens | 8,050 |  |  | (64) |  |  | — |  |  | 382 |  |  | 8,368 |  |
Residential Mortgages secured by junior liens | 1,476 |  |  | — |  |  | — |  |  | (45) |  |  | 1,431 |  |
Other revolving credit plans | 973 |  |  | (15) |  |  | 3 |  |  | (107) |  |  | 854 |  |
Automobile | 358 |  |  | (10) |  |  | 3 |  |  | (47) |  |  | 304 |  |
Other consumer | 2,653 |  |  | (517) |  |  | 27 |  |  | 548 |  |  | 2,711 |  |
Credit cards | 95 |  |  | (29) |  |  | 5 |  |  | 27 |  |  | 98 |  |
Overdrafts | 292 |  |  | (144) |  |  | 25 |  |  | 82 |  |  | 255 |  |
Total loans | $ | 45,832 |  |  | $ | (1,446) |  |  | $ | 102 |  |  | $ | 1,344 |  |  | $ | 45,832 |  |
(1) Excludes provision for credit losses related to unfunded commitments. Note 9, "Off-Balance Sheet Commitments and Contingencies," to the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation.
Schedule of Nonaccrual Loans and Loans Receivable Past Due over 90 Days Still Accruing Interest by Class of Loans | The following tables present the amortized cost basis of loans receivable on nonaccrual status and loans receivable past due over 89 days still accruing as of March 31, 2025 and December 31, 2024, respectively:
| March 31, 2025
| Nonaccrual |  | Nonaccrual With No Allowance for Credit Loss |  | Loans Receivable Past Due over 89 Days Still Accruing
Farmland | $ | 518 |  |  | $ | 518 |  |  | $ | — |
Owner-occupied, nonfarm nonresidential properties | 5,508 |  |  | 1,004 |  |  | 131 |
Commercial and Industrial | 9,776 |  |  | 9,613 |  |  | — |
Other construction loans and all land development and other land loans | 1,458 |  |  | 34 |  |  | — |
Multifamily (5 or more) residential properties | 20,532 |  |  | 215 |  |  | — |
Non-owner occupied, nonfarm nonresidential properties | 5,688 |  |  | 5,688 |  |  | 5 |
Home equity lines of credit | 768 |  |  | 768 |  |  | — |
Residential Mortgages secured by first liens | 8,634 |  |  | 7,865 |  |  | — |
Residential Mortgages secured by junior liens | 298 |  |  | 298 |  |  | — |
Other revolving credit plans | 176 |  |  | 176 |  |  | — |
Automobile | 60 |  |  | 60 |  |  | — |
Other consumer | 663 |  |  | 663 |  |  | — |
Credit cards | — |  |  | — |  |  | 172 |
Total | $ | 54,079 |  |  | $ | 26,902 |  |  | $ | 308 |
| December 31, 2024
| Nonaccrual |  | Nonaccrual With No Allowance for Credit Loss |  | Loans Receivable Past Due over 89 Days Still Accruing
Farmland | $ | 522 |  |  | $ | 522 |  |  | $ | — |
Owner-occupied, nonfarm nonresidential properties | 5,896 |  |  | 1,392 |  |  | — |
Commercial and Industrial | 10,682 |  |  | 10,111 |  |  | — |
Other construction loans and all land development and other land loans | 1,482 |  |  | 36 |  |  | — |
Multifamily (5 or more) residential properties | 20,658 |  |  | 266 |  |  | 491 |
Non-owner occupied, nonfarm nonresidential properties | 5,913 |  |  | 5,913 |  |  | — |
Home equity lines of credit | 837 |  |  | 837 |  |  | — |
Residential Mortgages secured by first liens | 9,093 |  |  | 8,311 |  |  | — |
Residential Mortgages secured by junior liens | 271 |  |  | 271 |  |  | — |
Other revolving credit plans | 154 |  |  | 154 |  |  | — |
Automobile | 66 |  |  | 66 |  |  | — |
Other consumer | 749 |  |  | 749 |  |  | — |
Credit cards | — |  |  | — |  |  | 162 |
Total | $ | 56,323 |  |  | $ | 28,628 |  |  | $ | 653 |
Schedule of Aging of Recorded Investment in Past Due Loans | The following table presents the amortized cost basis of loans receivable that are individually evaluated and collateral-dependent by class of loans as of March 31, 2025:
| Real Estate Collateral |  | Non-Real Estate Collateral
Farmland | $ | 352 |  |  | $ | — |
Owner-occupied, nonfarm nonresidential properties | 4,504 |  |  | — |
Commercial and Industrial | 258 |  |  | 2,070 |
Other construction loans and all land development and other land loans | 1,424 |  |  | — |
Multifamily (5 or more) residential properties | 20,532 |  |  | — |
Non-owner occupied, nonfarm nonresidential properties | 5,225 |  |  | — |
Home equity lines of credit | 290 |  |  | — |
Residential Mortgages secured by first liens | 1,370 |  |  | — |
Total | $ | 33,955 |  |  | $ | 2,070 |
The following table presents the amortized cost basis of loans receivable that are individually evaluated and collateral-dependent by class of loans as of December 31, 2024:
| Real Estate Collateral |  | Non-Real Estate Collateral
Farmland | $ | 352 |  |  | $ | — |
Owner-occupied, nonfarm nonresidential properties | 4,503 |  |  | — |
Commercial and Industrial | 258 |  |  | 2,553 |
Other construction loans and all land development and other land loans | 1,446 |  |  | — |
Multifamily (5 or more) residential properties | 20,658 |  |  | — |
Non-owner occupied, nonfarm nonresidential properties | 5,224 |  |  | — |
Home equity lines of credit | 290 |  |  | — |
Residential Mortgages secured by first liens | 1,411 |  |  | — |
Total | $ | 34,142 |  |  | $ | 2,553 |
The following table presents the aging of the amortized cost basis in past-due loans receivable as of March 31, 2025 by class of loans:
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  | Loans Receivable Not Past Due |  | Total
Farmland | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 29,398 |  |  | $ | 29,398 |
Owner-occupied, nonfarm nonresidential properties | 733 |  |  | 371 |  |  | 4,886 |  |  | 5,990 |  |  | 514,508 |  |  | 520,498 |
Agricultural production and other loans to farmers | — |  |  | — |  |  | — |  |  | — |  |  | 6,405 |  |  | 6,405 |
Commercial and Industrial | 573 |  |  | 501 |  |  | 6,074 |  |  | 7,148 |  |  | 701,542 |  |  | 708,690 |
Obligations (other than securities and leases) of states and political subdivisions | — |  |  | — |  |  | — |  |  | — |  |  | 137,149 |  |  | 137,149 |
Other loans | — |  |  | — |  |  | — |  |  | — |  |  | 27,457 |  |  | 27,457 |
Other construction loans and all land development and other land loans | 2,911 |  |  | — |  |  | 1,424 |  |  | 4,335 |  |  | 282,229 |  |  | 286,564 |
Multifamily (5 or more) residential properties | — |  |  | — |  |  | 20,532 |  |  | 20,532 |  |  | 405,470 |  |  | 426,002 |
Non-owner occupied, nonfarm nonresidential properties | 211 |  |  | — |  |  | 5 |  |  | 216 |  |  | 1,041,234 |  |  | 1,041,450 |
1-4 Family Construction | — |  |  | — |  |  | — |  |  | — |  |  | 16,470 |  |  | 16,470 |
Home equity lines of credit | 67 |  |  | — |  |  | 507 |  |  | 574 |  |  | 178,555 |  |  | 179,129 |
Residential Mortgages secured by first liens | 4,325 |  |  | 1,017 |  |  | 5,027 |  |  | 10,369 |  |  | 992,600 |  |  | 1,002,969 |
Residential Mortgages secured by junior liens | 134 |  |  | 35 |  |  | 53 |  |  | 222 |  |  | 106,764 |  |  | 106,986 |
Other revolving credit plans | — |  |  | 4 |  |  | 129 |  |  | 133 |  |  | 35,227 |  |  | 35,360 |
Automobile | 129 |  |  | 6 |  |  | — |  |  | 135 |  |  | 19,604 |  |  | 19,739 |
Other consumer | 328 |  |  | 339 |  |  | 409 |  |  | 1,076 |  |  | 50,498 |  |  | 51,574 |
Credit cards | 165 |  |  | 60 |  |  | 172 |  |  | 397 |  |  | 13,581 |  |  | 13,978 |
Overdrafts | — |  |  | — |  |  | — |  |  | — |  |  | 191 |  |  | 191 |
Total | $ | 9,576 |  |  | $ | 2,333 |  |  | $ | 39,218 |  |  | $ | 51,127 |  |  | $ | 4,558,882 |  |  | $ | 4,610,009 |
The following table presents the aging of the amortized cost basis in past-due loans receivable as of December 31, 2024 by class of loans:
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  | Loans Receivable Not Past Due |  | Total
Farmland | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 31,099 |  |  | $ | 31,099 |
Owner-occupied, nonfarm nonresidential properties | 77 |  |  | 1,479 |  |  | 5,030 |  |  | 6,586 |  |  | 508,622 |  |  | 515,208 |
Agricultural production and other loans to farmers | — |  |  | — |  |  | — |  |  | — |  |  | 6,492 |  |  | 6,492 |
Commercial and Industrial | 704 |  |  | 185 |  |  | 6,632 |  |  | 7,521 |  |  | 711,254 |  |  | 718,775 |
Obligations (other than securities and leases) of states and political subdivisions | — |  |  | — |  |  | — |  |  | — |  |  | 140,430 |  |  | 140,430 |
Other loans | — |  |  | — |  |  | — |  |  | — |  |  | 28,110 |  |  | 28,110 |
Other construction loans and all land development and other land loans | — |  |  | — |  |  | 1,482 |  |  | 1,482 |  |  | 281,430 |  |  | 282,912 |
Multifamily (5 or more) residential properties | — |  |  | 20,392 |  |  | 757 |  |  | 21,149 |  |  | 389,997 |  |  | 411,146 |
Non-owner occupied, nonfarm nonresidential properties | — |  |  | — |  |  | — |  |  | — |  |  | 1,033,541 |  |  | 1,033,541 |
1-4 Family Construction | 216 |  |  | — |  |  | — |  |  | 216 |  |  | 26,215 |  |  | 26,431 |
Home equity lines of credit | 1,006 |  |  | 387 |  |  | 323 |  |  | 1,716 |  |  | 164,611 |  |  | 166,327 |
Residential Mortgages secured by first liens | 2,908 |  |  | 1,910 |  |  | 5,795 |  |  | 10,613 |  |  | 1,002,133 |  |  | 1,012,746 |
Residential Mortgages secured by junior liens | 224 |  |  | 35 |  |  | 64 |  |  | 323 |  |  | 106,139 |  |  | 106,462 |
Other revolving credit plans | 351 |  |  | 4 |  |  | 100 |  |  | 455 |  |  | 40,640 |  |  | 41,095 |
Automobile | 135 |  |  | 3 |  |  | — |  |  | 138 |  |  | 20,823 |  |  | 20,961 |
Other consumer | 601 |  |  | 271 |  |  | 358 |  |  | 1,230 |  |  | 52,591 |  |  | 53,821 |
Credit cards | 97 |  |  | 115 |  |  | 162 |  |  | 374 |  |  | 12,769 |  |  | 13,143 |
Overdrafts | — |  |  | — |  |  | — |  |  | — |  |  | 257 |  |  | 257 |
Total | $ | 6,319 |  |  | $ | 24,781 |  |  | $ | 20,703 |  |  | $ | 51,803 |  |  | $ | 4,557,153 |  |  | $ | 4,608,956 |
Schedule of Restructured in Troubled Debt | The following table presents the amortized cost basis of loans at March 31, 2025 that were both experiencing financial difficulty and modified during the three months ended March 31, 2025, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below:
| Principal Forgiveness |  | Payment Delay |  | Term Extension |  | Interest Rate Reduction |  | Combination Payment Delay and Term Extension |  | Total Class of Financing Receivable |  |
Commercial and Industrial | $ | — |  |  | $ | 6,961 |  |  | $ | 166 |  |  | $ | — |  |  | $ | — |  |  | 1.0 | % |  |
Other construction loans and all land development and other land loans | — |  |  | — |  |  | 10,115 |  |  | — |  |  | — |  |  | 3.5 |  |  |
Non-owner occupied, nonfarm nonresidential properties | — |  |  | — |  |  | 1,962 |  |  | — |  |  | — |  |  | 0.2 |  |  |
Total | $ | — |  |  | $ | 6,961 |  |  | $ | 12,243 |  |  | $ | — |  |  | $ | — |  |  | 0.4 | % |  |
The following table presents the amortized cost basis of loans at March 31, 2024 that were both experiencing financial difficulty and modified during the three months ended March 31, 2024, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below:
| Principal Forgiveness |  | Payment Delay |  | Term Extension |  | Interest Rate Reduction |  | Combination Payment Delay and Term Extension |  | Total Class of Financing Receivable |  |
Owner-occupied, nonfarm nonresidential properties | $ | — |  |  | $ | 288 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 0.1 | % |  |
Commercial and Industrial | — |  |  | — |  |  | 505 |  |  | — |  |  | — |  |  | 0.1 |  |  |
Total | $ | — |  |  | $ | 288 |  |  | $ | 505 |  |  | $ | — |  |  | $ | — |  |  | — | % |  |
The following table presents the performance of such loans that have been modified during the twelve months ended March 31, 2025:
| Current |  | 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  |  |  |
Farmland | $ | 1,041 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  |
Owner-occupied, nonfarm nonresidential properties | 696 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |
Commercial and Industrial | 7,127 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |
Other construction loans and all land development and other land loans | 10,115 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |
Non-owner occupied, nonfarm nonresidential properties | 7,186 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |
Residential Mortgages secured by first liens | 350 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |
Residential Mortgages secured by junior liens | 28 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |
Total | $ | 26,543 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  |
The following table presents the performance of such loans that have been modified during the twelve months ended March 31, 2024:
| Current |  | 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  |  |  |
Owner-occupied, nonfarm nonresidential properties | $ | 696 |  |  | $ | 288 |  |  | $ | — |  |  | $ | — |  |  | $ | 288 |  |  |  |  |
Commercial and Industrial | 3,705 |  |  | 321 |  |  | — |  |  | — |  |  | 321 |  |  |  |  |
Non-owner occupied, nonfarm nonresidential properties | 6,696 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |
Residential Mortgages secured by first liens | 399 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |
Residential Mortgages secured by junior liens | 29 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |
Total | $ | 11,525 |  |  | $ | 609 |  |  | $ | — |  |  | $ | — |  |  | $ | 609 |  |  |  |  |
The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the three months ended March 31, 2025:
| Principal Forgiveness |  |  |  | Weighted Average Term Extension (in years) |  | Weighted Average Interest Rate Reduction |  |  |  |  |  |
Commercial and Industrial | $ | — |  |  |  |  | 0.96 |  | — | % |  |  |  |  |  |
Other construction loans and all land development and other land loans | — |  |  |  |  | 0.75 |  | — |  |  |  |  |  |  |
Non-owner occupied, nonfarm nonresidential properties | — |  |  |  |  | 0.50 |  | — |  |  |  |  |  |  |
Total | $ | — |  |  |  |  | 0.71 |  | — | % |  |  |  |  |  |
The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the three months ended March 31, 2024:
| Principal Forgiveness |  |  |  | Weighted Average Term Extension (in years) |  | Weighted Average Interest Rate Reduction |  |  |  |  |  |
Commercial and Industrial | $ | — |  |  |  |  | 1.00 |  | — | % |  |  |  |  |  |
Total | $ | — |  |  |  |  | 1.00 |  | — | % |  |  |  |  |  |
The following table presents the amortized cost basis of loans that had a payment default during the three months ended March 31, 2024 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty.
| Principal Forgiveness |  | Payment Delay |  | Term Extension |  | Interest Rate Reduction |  | Combination Payment Delay and Term Extension |  |  |  |
Owner-occupied, nonfarm nonresidential properties | $ | — |  |  | $ | 308 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  |
Commercial and Industrial | — |  |  | — |  |  | — |  |  | 301 |  |  | — |  |  |  |  |
Total | $ | — |  |  | $ | 308 |  |  | $ | — |  |  | $ | 301 |  |  | $ | — |  |  |  |  |
Schedule of Credit Risk Profile by Risk Rating | The following tables represent the Corporation's commercial credit risk profile by risk rating. Loans receivable not rated as special mention, substandard, or doubtful are considered to be pass rated loans.
| March 31, 2025
|  |  | Non-Pass Rated |  |  |  |
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total Non-Pass |  | Total
Farmland | $ | 23,648 |  |  | $ | — |  |  | $ | 5,750 |  |  | $ | — |  |  | $ | 5,750 |  |  | $ | 29,398 |
Owner-occupied, nonfarm nonresidential properties | 497,876 |  |  | 1,286 |  |  | 21,336 |  |  | — |  |  | 22,622 |  |  | 520,498 |
Agricultural production and other loans to farmers | 6,405 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,405 |
Commercial and Industrial | 643,154 |  |  | 6,522 |  |  | 59,014 |  |  | — |  |  | 65,536 |  |  | 708,690 |
Obligations (other than securities and leases) of states and political subdivisions | 137,149 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 137,149 |
Other loans | 27,457 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 27,457 |
Other construction loans and all land development and other land loans | 275,025 |  |  | 10,115 |  |  | 1,424 |  |  | — |  |  | 11,539 |  |  | 286,564 |
Multifamily (5 or more) residential properties | 399,481 |  |  | — |  |  | 26,521 |  |  | — |  |  | 26,521 |  |  | 426,002 |
Non-owner occupied, nonfarm nonresidential properties | 1,016,911 |  |  | 2,970 |  |  | 21,569 |  |  | — |  |  | 24,539 |  |  | 1,041,450 |
Total | $ | 3,027,106 |  |  | $ | 20,893 |  |  | $ | 135,614 |  |  | $ | — |  |  | $ | 156,507 |  |  | $ | 3,183,613 |
| December 31, 2024
|  |  | Non-Pass Rated |  |  |  |
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total Non-Pass |  | Total
Farmland | $ | 25,171 |  |  | $ | 5,267 |  |  | $ | 661 |  |  | $ | — |  |  | $ | 5,928 |  |  | $ | 31,099 |
Owner-occupied, nonfarm nonresidential properties | 491,798 |  |  | 1,289 |  |  | 22,121 |  |  | — |  |  | 23,410 |  |  | 515,208 |
Agricultural production and other loans to farmers | 6,492 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,492 |
Commercial and Industrial | 654,139 |  |  | 4,321 |  |  | 60,315 |  |  | — |  |  | 64,636 |  |  | 718,775 |
Obligations (other than securities and leases) of states and political subdivisions | 140,430 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 140,430 |
Other loans | 28,110 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 28,110 |
Other construction loans and all land development and other land loans | 281,466 |  |  | — |  |  | 1,446 |  |  | — |  |  | 1,446 |  |  | 282,912 |
Multifamily (5 or more) residential properties | 385,946 |  |  | — |  |  | 25,200 |  |  | — |  |  | 25,200 |  |  | 411,146 |
Non-owner occupied, nonfarm nonresidential properties | 1,008,507 |  |  | 4,947 |  |  | 20,087 |  |  | — |  |  | 25,034 |  |  | 1,033,541 |
Total | $ | 3,022,059 |  |  | $ | 15,824 |  |  | $ | 129,830 |  |  | $ | — |  |  | $ | 145,654 |  |  | $ | 3,167,713 |
Schedule of Amortized Cost of Loans, by Year of Origination | The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by risk grade within each portfolio segment as of March 31, 2025. Current period originations may include modifications.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Farmland |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,524 |  |  | $ | 129 |  |  | $ | 1,608 |  |  | $ | 6,632 |  |  | $ | 6,379 |  |  | $ | 6,959 |  |  | $ | 417 |  |  | $ | — |  |  | $ | 23,648 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | 166 |  |  | — |  |  | 5,099 |  |  | — |  |  | 485 |  |  | — |  |  | — |  |  | 5,750 |
Total | $ | 1,524 |  |  | $ | 295 |  |  | $ | 1,608 |  |  | $ | 11,731 |  |  | $ | 6,379 |  |  | $ | 7,444 |  |  | $ | 417 |  |  | $ | — |  |  | $ | 29,398 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Owner-occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 13,222 |  |  | $ | 80,346 |  |  | $ | 59,880 |  |  | $ | 113,144 |  |  | $ | 93,276 |  |  | $ | 126,541 |  |  | $ | 11,467 |  |  | $ | — |  |  | $ | 497,876 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 250 |  |  | 455 |  |  | 581 |  |  | — |  |  | 1,286 |
Substandard | — |  |  | 13,851 |  |  | 1,110 |  |  | 4,079 |  |  | 696 |  |  | 1,370 |  |  | 230 |  |  | — |  |  | 21,336 |
Total | $ | 13,222 |  |  | $ | 94,197 |  |  | $ | 60,990 |  |  | $ | 117,223 |  |  | $ | 94,222 |  |  | $ | 128,366 |  |  | $ | 12,278 |  |  | $ | — |  |  | $ | 520,498 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 23 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 23 |
Agricultural production and other loans to farmers |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | — |  |  | $ | 5,026 |  |  | $ | 458 |  |  | $ | 18 |  |  | $ | 26 |  |  | $ | 181 |  |  | $ | 696 |  |  | $ | — |  |  | $ | 6,405 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | — |  |  | $ | 5,026 |  |  | $ | 458 |  |  | $ | 18 |  |  | $ | 26 |  |  | $ | 181 |  |  | $ | 696 |  |  | $ | — |  |  | $ | 6,405 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 32,132 |  |  | $ | 123,413 |  |  | $ | 40,663 |  |  | $ | 91,179 |  |  | $ | 55,580 |  |  | $ | 43,909 |  |  | $ | 256,278 |  |  | $ | — |  |  | $ | 643,154 |
Special mention | — |  |  | 4 |  |  | 52 |  |  | 2,239 |  |  | 1,788 |  |  | 88 |  |  | 2,351 |  |  | — |  |  | 6,522 |
Substandard | 711 |  |  | 266 |  |  | 5,147 |  |  | 10,991 |  |  | 1,160 |  |  | 1,909 |  |  | 38,830 |  |  | — |  |  | 59,014 |
Total | $ | 32,843 |  |  | $ | 123,683 |  |  | $ | 45,862 |  |  | $ | 104,409 |  |  | $ | 58,528 |  |  | $ | 45,906 |  |  | $ | 297,459 |  |  | $ | — |  |  | $ | 708,690 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | 32 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 587 |  |  | $ | 31 |  |  | $ | 650 |
Obligations (other than securities and leases) of states and political subdivisions |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,522 |  |  | $ | 6,276 |  |  | $ | 24,683 |  |  | $ | 15,471 |  |  | $ | 30,095 |  |  | $ | 54,998 |  |  | $ | 4,104 |  |  | $ | — |  |  | $ | 137,149 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 1,522 |  |  | $ | 6,276 |  |  | $ | 24,683 |  |  | $ | 15,471 |  |  | $ | 30,095 |  |  | $ | 54,998 |  |  | $ | 4,104 |  |  | $ | — |  |  | $ | 137,149 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 55 |  |  | $ | 1,945 |  |  | $ | 3,377 |  |  | $ | 12,239 |  |  | $ | 4,553 |  |  | $ | 1,519 |  |  | $ | 3,769 |  |  | $ | — |  |  | $ | 27,457 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 55 |  |  | $ | 1,945 |  |  | $ | 3,377 |  |  | $ | 12,239 |  |  | $ | 4,553 |  |  | $ | 1,519 |  |  | $ | 3,769 |  |  | $ | — |  |  | $ | 27,457 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Other construction loans and all land development and other land loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 32,865 |  |  | $ | 101,739 |  |  | $ | 42,997 |  |  | $ | 87,236 |  |  | $ | 2,978 |  |  | $ | 2,384 |  |  | $ | 4,826 |  |  | $ | — |  |  | $ | 275,025 |
Special mention | 10,115 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,115 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,424 |  |  | — |  |  | — |  |  | 1,424 |
Total | $ | 42,980 |  |  | $ | 101,739 |  |  | $ | 42,997 |  |  | $ | 87,236 |  |  | $ | 2,978 |  |  | $ | 3,808 |  |  | $ | 4,826 |  |  | $ | — |  |  | $ | 286,564 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Multifamily (5 or more) residential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 16,666 |  |  | $ | 48,811 |  |  | $ | 56,547 |  |  | $ | 172,908 |  |  | $ | 60,854 |  |  | $ | 41,292 |  |  | $ | 2,403 |  |  | $ | — |  |  | $ | 399,481 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | 4,449 |  |  | 190 |  |  | 1,565 |  |  | 20,317 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 26,521 |
Total | $ | 21,115 |  |  | $ | 49,001 |  |  | $ | 58,112 |  |  | $ | 193,225 |  |  | $ | 60,854 |  |  | $ | 41,292 |  |  | $ | 2,403 |  |  | $ | — |  |  | $ | 426,002 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Non-owner occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 28,032 |  |  | $ | 136,325 |  |  | $ | 192,741 |  |  | $ | 326,373 |  |  | $ | 178,780 |  |  | $ | 147,023 |  |  | $ | 7,637 |  |  | $ | — |  |  | $ | 1,016,911 |
Special mention | — |  |  | — |  |  | — |  |  | 211 |  |  | 2,001 |  |  | 339 |  |  | 419 |  |  | — |  |  | 2,970 |
Substandard | — |  |  | 13,354 |  |  | 757 |  |  | 464 |  |  | — |  |  | 6,994 |  |  | — |  |  | — |  |  | 21,569 |
Total | $ | 28,032 |  |  | $ | 149,679 |  |  | $ | 193,498 |  |  | $ | 327,048 |  |  | $ | 180,781 |  |  | $ | 154,356 |  |  | $ | 8,056 |  |  | $ | — |  |  | $ | 1,041,450 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by risk grade within each portfolio segment as of December 31, 2024. Current period originations may include modifications.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Farmland |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 265 |  |  | $ | 3,165 |  |  | $ | 6,756 |  |  | $ | 6,477 |  |  | $ | 1,436 |  |  | $ | 6,662 |  |  | $ | 410 |  |  | $ | — |  |  | $ | 25,171 |
Special mention | — |  |  | — |  |  | 5,267 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,267 |
Substandard | 170 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 491 |  |  | — |  |  | — |  |  | 661 |
Total | $ | 435 |  |  | $ | 3,165 |  |  | $ | 12,023 |  |  | $ | 6,477 |  |  | $ | 1,436 |  |  | $ | 7,153 |  |  | $ | 410 |  |  | $ | — |  |  | $ | 31,099 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Owner-occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 74,692 |  |  | $ | 62,609 |  |  | $ | 114,980 |  |  | $ | 98,469 |  |  | $ | 39,931 |  |  | $ | 90,249 |  |  | $ | 10,868 |  |  | $ | — |  |  | $ | 491,798 |
Special mention | — |  |  | — |  |  | — |  |  | 254 |  |  | — |  |  | 527 |  |  | 508 |  |  | — |  |  | 1,289 |
Substandard | 14,181 |  |  | 1,114 |  |  | 4,370 |  |  | 696 |  |  | — |  |  | 1,507 |  |  | 253 |  |  | — |  |  | 22,121 |
Total | $ | 88,873 |  |  | $ | 63,723 |  |  | $ | 119,350 |  |  | $ | 99,419 |  |  | $ | 39,931 |  |  | $ | 92,283 |  |  | $ | 11,629 |  |  | $ | — |  |  | $ | 515,208 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | 750 |  |  | $ | — |  |  | $ | — |  |  | $ | 698 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,448 |
Agricultural production and other loans to farmers |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 5,072 |  |  | $ | 473 |  |  | $ | 18 |  |  | $ | 26 |  |  | $ | 40 |  |  | $ | 148 |  |  | $ | 715 |  |  | $ | — |  |  | $ | 6,492 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 5,072 |  |  | $ | 473 |  |  | $ | 18 |  |  | $ | 26 |  |  | $ | 40 |  |  | $ | 148 |  |  | $ | 715 |  |  | $ | — |  |  | $ | 6,492 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 148,569 |  |  | $ | 44,080 |  |  | $ | 104,613 |  |  | $ | 63,646 |  |  | $ | 24,511 |  |  | $ | 18,771 |  |  | $ | 249,949 |  |  | $ | — |  |  | $ | 654,139 |
Special mention | 7 |  |  | 55 |  |  | 139 |  |  | 424 |  |  | 61 |  |  | 32 |  |  | 3,603 |  |  | — |  |  | 4,321 |
Substandard | 845 |  |  | 5,145 |  |  | 10,988 |  |  | 1,461 |  |  | 49 |  |  | 1,935 |  |  | 39,892 |  |  | — |  |  | 60,315 |
Total | $ | 149,421 |  |  | $ | 49,280 |  |  | $ | 115,740 |  |  | $ | 65,531 |  |  | $ | 24,621 |  |  | $ | 20,738 |  |  | $ | 293,444 |  |  | $ | — |  |  | $ | 718,775 |
Current period gross write offs | $ | — |  |  | $ | 301 |  |  | $ | 116 |  |  | $ | 537 |  |  | $ | 1 |  |  | $ | 43 |  |  | $ | 1,428 |  |  | $ | — |  |  | $ | 2,426 |
Obligations (other than securities and leases) of states and political subdivisions |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 7,999 |  |  | $ | 24,754 |  |  | $ | 15,756 |  |  | $ | 30,419 |  |  | $ | 11,411 |  |  | $ | 45,882 |  |  | $ | 4,209 |  |  | $ | — |  |  | $ | 140,430 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 7,999 |  |  | $ | 24,754 |  |  | $ | 15,756 |  |  | $ | 30,419 |  |  | $ | 11,411 |  |  | $ | 45,882 |  |  | $ | 4,209 |  |  | $ | — |  |  | $ | 140,430 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 2,134 |  |  | $ | 3,382 |  |  | $ | 12,291 |  |  | $ | 4,602 |  |  | $ | 1,341 |  |  | $ | 274 |  |  | $ | 4,086 |  |  | $ | — |  |  | $ | 28,110 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 2,134 |  |  | $ | 3,382 |  |  | $ | 12,291 |  |  | $ | 4,602 |  |  | $ | 1,341 |  |  | $ | 274 |  |  | $ | 4,086 |  |  | $ | — |  |  | $ | 28,110 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Other construction loans and all land development and other land loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 112,919 |  |  | $ | 58,596 |  |  | $ | 99,268 |  |  | $ | 3,141 |  |  | $ | 749 |  |  | $ | 1,875 |  |  | $ | 4,918 |  |  | $ | — |  |  | $ | 281,466 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,446 |  |  | — |  |  | — |  |  | 1,446 |
Total | $ | 112,919 |  |  | $ | 58,596 |  |  | $ | 99,268 |  |  | $ | 3,141 |  |  | $ | 749 |  |  | $ | 3,321 |  |  | $ | 4,918 |  |  | $ | — |  |  | $ | 282,912 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 11 |  |  | $ | 11 |
Multifamily (5 or more) residential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 46,905 |  |  | $ | 49,880 |  |  | $ | 173,994 |  |  | $ | 67,500 |  |  | $ | 20,706 |  |  | $ | 25,037 |  |  | $ | 1,924 |  |  | $ | — |  |  | $ | 385,946 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | 2,107 |  |  | 20,392 |  |  | — |  |  | 2,701 |  |  | — |  |  | — |  |  | — |  |  | 25,200 |
Total | $ | 46,905 |  |  | $ | 51,987 |  |  | $ | 194,386 |  |  | $ | 67,500 |  |  | $ | 23,407 |  |  | $ | 25,037 |  |  | $ | 1,924 |  |  | $ | — |  |  | $ | 411,146 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Non-owner occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 141,083 |  |  | $ | 190,123 |  |  | $ | 320,047 |  |  | $ | 183,621 |  |  | $ | 38,309 |  |  | $ | 127,515 |  |  | $ | 7,809 |  |  | $ | — |  |  | $ | 1,008,507 |
Special mention | 1,962 |  |  | — |  |  | 212 |  |  | 2,003 |  |  | — |  |  | 349 |  |  | 421 |  |  | — |  |  | 4,947 |
Substandard | 11,469 |  |  | 762 |  |  | 689 |  |  | — |  |  | 5,225 |  |  | 1,942 |  |  | — |  |  | — |  |  | 20,087 |
Total | $ | 154,514 |  |  | $ | 190,885 |  |  | $ | 320,948 |  |  | $ | 185,624 |  |  | $ | 43,534 |  |  | $ | 129,806 |  |  | $ | 8,230 |  |  | $ | — |  |  | $ | 1,033,541 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | 33 |  |  | $ | 296 |  |  | $ | — |  |  | $ | 625 |  |  | $ | 20 |  |  | $ | — |  |  | $ | 974 |
The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by payment activity within each portfolio segment as of March 31, 2025. Current period originations may include modifications.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
1-4 Family Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 507 |  |  | $ | 13,314 |  |  | $ | 1,753 |  |  | $ | 850 |  |  | $ | — |  |  | $ | 46 |  |  | $ | — |  |  | $ | — |  |  | $ | 16,470 |
Nonperforming | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 507 |  |  | $ | 13,314 |  |  | $ | 1,753 |  |  | $ | 850 |  |  | $ | — |  |  | $ | 46 |  |  | $ | — |  |  | $ | — |  |  | $ | 16,470 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Home equity lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 8,236 |  |  | $ | 47,165 |  |  | $ | 26,892 |  |  | $ | 30,093 |  |  | $ | 9,496 |  |  | $ | 38,210 |  |  | $ | 11,785 |  |  | $ | 6,484 |  |  | $ | 178,361 |
Nonperforming | — |  |  | — |  |  | 49 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 719 |  |  | 768 |
Total | $ | 8,236 |  |  | $ | 47,165 |  |  | $ | 26,941 |  |  | $ | 30,093 |  |  | $ | 9,496 |  |  | $ | 38,210 |  |  | $ | 11,785 |  |  | $ | 7,203 |  |  | $ | 179,129 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Residential mortgages secured by first lien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 17,647 |  |  | $ | 104,559 |  |  | $ | 133,981 |  |  | $ | 219,273 |  |  | $ | 172,661 |  |  | $ | 343,930 |  |  | $ | 2,284 |  |  | $ | — |  |  | $ | 994,335 |
Nonperforming | 42 |  |  | 350 |  |  | 2,447 |  |  | 1,711 |  |  | 1,173 |  |  | 2,911 |  |  | — |  |  | — |  |  | 8,634 |
Total | $ | 17,689 |  |  | $ | 104,909 |  |  | $ | 136,428 |  |  | $ | 220,984 |  |  | $ | 173,834 |  |  | $ | 346,841 |  |  | $ | 2,284 |  |  | $ | — |  |  | $ | 1,002,969 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 32 |  |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | 34 |
Residential mortgages secured by junior liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 4,494 |  |  | $ | 31,546 |  |  | $ | 21,569 |  |  | $ | 22,225 |  |  | $ | 11,393 |  |  | $ | 14,316 |  |  | $ | 1,145 |  |  | $ | — |  |  | $ | 106,688 |
Nonperforming | — |  |  | 18 |  |  | 72 |  |  | 34 |  |  | 121 |  |  | 15 |  |  | 38 |  |  | — |  |  | 298 |
Total | $ | 4,494 |  |  | $ | 31,564 |  |  | $ | 21,641 |  |  | $ | 22,259 |  |  | $ | 11,514 |  |  | $ | 14,331 |  |  | $ | 1,183 |  |  | $ | — |  |  | $ | 106,986 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Other revolving credit plans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 950 |  |  | $ | 8,599 |  |  | $ | 6,025 |  |  | $ | 6,268 |  |  | $ | 2,060 |  |  | $ | 11,282 |  |  | $ | — |  |  | $ | — |  |  | $ | 35,184 |
Nonperforming | — |  |  | — |  |  | 4 |  |  | 25 |  |  | 6 |  |  | 141 |  |  | — |  |  | — |  |  | 176 |
Total | $ | 950 |  |  | $ | 8,599 |  |  | $ | 6,029 |  |  | $ | 6,293 |  |  | $ | 2,066 |  |  | $ | 11,423 |  |  | $ | — |  |  | $ | — |  |  | $ | 35,360 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |
Automobile |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 1,255 |  |  | $ | 5,323 |  |  | $ | 7,593 |  |  | $ | 3,378 |  |  | $ | 922 |  |  | $ | 1,208 |  |  | $ | — |  |  | $ | — |  |  | $ | 19,679 |
Nonperforming | — |  |  | — |  |  | 14 |  |  | 43 |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | 60 |
Total | $ | 1,255 |  |  | $ | 5,323 |  |  | $ | 7,607 |  |  | $ | 3,421 |  |  | $ | 922 |  |  | $ | 1,211 |  |  | $ | — |  |  | $ | — |  |  | $ | 19,739 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 4,918 |  |  | $ | 24,267 |  |  | $ | 11,179 |  |  | $ | 4,491 |  |  | $ | 1,964 |  |  | $ | 4,092 |  |  | $ | — |  |  | $ | — |  |  | $ | 50,911 |
Nonperforming | — |  |  | 297 |  |  | 251 |  |  | 58 |  |  | 55 |  |  | 2 |  |  | — |  |  | — |  |  | 663 |
Total | $ | 4,918 |  |  | $ | 24,564 |  |  | $ | 11,430 |  |  | $ | 4,549 |  |  | $ | 2,019 |  |  | $ | 4,094 |  |  | $ | — |  |  | $ | — |  |  | $ | 51,574 |
Current period gross write offs | $ | — |  |  | $ | 216 |  |  | $ | 268 |  |  | $ | 47 |  |  | $ | 28 |  |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 567 |
The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by payment activity within each portfolio segment as of December 31, 2024.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
1-4 Family Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 21,411 |  |  | $ | 3,717 |  |  | $ | 1,254 |  |  | $ | — |  |  | $ | — |  |  | $ | 49 |  |  | $ | — |  |  | $ | — |  |  | $ | 26,431 |
Nonperforming | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 21,411 |  |  | $ | 3,717 |  |  | $ | 1,254 |  |  | $ | — |  |  | $ | — |  |  | $ | 49 |  |  | $ | — |  |  | $ | — |  |  | $ | 26,431 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Home equity lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 44,573 |  |  | $ | 28,211 |  |  | $ | 30,557 |  |  | $ | 9,440 |  |  | $ | 8,106 |  |  | $ | 30,649 |  |  | $ | 7,993 |  |  | $ | 5,961 |  |  | $ | 165,490 |
Nonperforming | — |  |  | 50 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 787 |  |  | 837 |
Total | $ | 44,573 |  |  | $ | 28,261 |  |  | $ | 30,557 |  |  | $ | 9,440 |  |  | $ | 8,106 |  |  | $ | 30,649 |  |  | $ | 7,993 |  |  | $ | 6,748 |  |  | $ | 166,327 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Residential mortgages secured by first lien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 106,278 |  |  | $ | 135,898 |  |  | $ | 224,633 |  |  | $ | 177,756 |  |  | $ | 128,924 |  |  | $ | 226,926 |  |  | $ | 3,238 |  |  | $ | — |  |  | $ | 1,003,653 |
Nonperforming | 363 |  |  | 2,494 |  |  | 1,657 |  |  | 1,305 |  |  | 839 |  |  | 2,435 |  |  | — |  |  | — |  |  | 9,093 |
Total | $ | 106,641 |  |  | $ | 138,392 |  |  | $ | 226,290 |  |  | $ | 179,061 |  |  | $ | 129,763 |  |  | $ | 229,361 |  |  | $ | 3,238 |  |  | $ | — |  |  | $ | 1,012,746 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 79 |  |  | $ | — |  |  | $ | — |  |  | $ | 79 |
Residential mortgages secured by junior liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 32,777 |  |  | $ | 22,256 |  |  | $ | 22,931 |  |  | $ | 11,769 |  |  | $ | 5,695 |  |  | $ | 9,465 |  |  | $ | 1,298 |  |  | $ | — |  |  | $ | 106,191 |
Nonperforming | 19 |  |  | 40 |  |  | 34 |  |  | 123 |  |  | — |  |  | 16 |  |  | 39 |  |  | — |  |  | 271 |
Total | $ | 32,796 |  |  | $ | 22,296 |  |  | $ | 22,965 |  |  | $ | 11,892 |  |  | $ | 5,695 |  |  | $ | 9,481 |  |  | $ | 1,337 |  |  | $ | — |  |  | $ | 106,462 |
Current period gross write offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Other revolving credit plans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 10,454 |  |  | $ | 5,556 |  |  | $ | 6,898 |  |  | $ | 2,163 |  |  | $ | 5,366 |  |  | $ | 10,504 |  |  | $ | — |  |  | $ | — |  |  | $ | 40,941 |
Nonperforming | — |  |  | — |  |  | 27 |  |  | 6 |  |  | — |  |  | 121 |  |  | — |  |  | — |  |  | 154 |
Total | $ | 10,454 |  |  | $ | 5,556 |  |  | $ | 6,925 |  |  | $ | 2,169 |  |  | $ | 5,366 |  |  | $ | 10,625 |  |  | $ | — |  |  | $ | — |  |  | $ | 41,095 |
Current period gross write offs | $ | — |  |  | $ | 9 |  |  | $ | — |  |  | $ | 41 |  |  | $ | 25 |  |  | $ | 81 |  |  | $ | — |  |  | $ | — |  |  | $ | 156 |
Automobile |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 5,794 |  |  | $ | 8,504 |  |  | $ | 3,975 |  |  | $ | 1,149 |  |  | $ | 664 |  |  | $ | 809 |  |  | $ | — |  |  | $ | — |  |  | $ | 20,895 |
Nonperforming | — |  |  | 15 |  |  | 47 |  |  | — |  |  | 4 |  |  | — |  |  | — |  |  | — |  |  | 66 |
Total | $ | 5,794 |  |  | $ | 8,519 |  |  | $ | 4,022 |  |  | $ | 1,149 |  |  | $ | 668 |  |  | $ | 809 |  |  | $ | — |  |  | $ | — |  |  | $ | 20,961 |
Current period gross write offs | $ | 22 |  |  | $ | 93 |  |  | $ | 7 |  |  | $ | 14 |  |  | $ | 6 |  |  | $ | 4 |  |  | $ | — |  |  | $ | — |  |  | $ | 146 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 27,727 |  |  | $ | 13,090 |  |  | $ | 5,344 |  |  | $ | 2,432 |  |  | $ | 2,162 |  |  | $ | 2,317 |  |  | $ | — |  |  | $ | — |  |  | $ | 53,072 |
Nonperforming | 219 |  |  | 368 |  |  | 82 |  |  | 67 |  |  | 8 |  |  | 5 |  |  | — |  |  | — |  |  | 749 |
Total | $ | 27,946 |  |  | $ | 13,458 |  |  | $ | 5,426 |  |  | $ | 2,499 |  |  | $ | 2,170 |  |  | $ | 2,322 |  |  | $ | — |  |  | $ | — |  |  | $ | 53,821 |
Current period gross write offs | $ | 133 |  |  | $ | 1,141 |  |  | $ | 630 |  |  | $ | 154 |  |  | $ | 24 |  |  | $ | 12 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,094 |
| March 31, 2025 |  | December 31, 2024
Credit card |  |  |
Payment performance |  |  |
Performing | $ | 13,806 |  |  | $ | 12,981 |
Nonperforming | 172 |  |  | 162 |
Total | $ | 13,978 |  |  | $ | 13,143 |
Current period gross write offs | $ | 122 |  |  | $ | 143 |
Schedule of Recorded Investment in Residential, Consumer and Credit Card Loans Based on Payment Activity | The Corporation considers the performance of the loan portfolio and its impact on the allowance for credit losses. For 1-4 family construction, home equity lines of credit, residential mortgages secured by first liens, residential mortgages secured by junior liens, automobile, credit cards, other revolving credit plans and other consumer segments, the Corporation evaluates credit quality based on the performance status of the loan, which was previously presented, and by payment activity. Nonperforming loans include loans receivable on nonaccrual status and loans receivable past due over 89 days and still accruing interest.
| March 31, 2025 |  | December 31, 2024
| Performing |  | Nonperforming |  | Total |  | Performing |  | Nonperforming |  | Total
1-4 Family Construction | $ | 16,470 |  |  | $ | — |  |  | $ | 16,470 |  |  | $ | 26,431 |  |  | $ | — |  |  | $ | 26,431 |
Home equity lines of credit | 178,361 |  |  | 768 |  |  | 179,129 |  |  | 165,490 |  |  | 837 |  |  | 166,327 |
Residential Mortgages secured by first liens | 994,335 |  |  | 8,634 |  |  | 1,002,969 |  |  | 1,003,653 |  |  | 9,093 |  |  | 1,012,746 |
Residential Mortgages secured by junior liens | 106,688 |  |  | 298 |  |  | 106,986 |  |  | 106,191 |  |  | 271 |  |  | 106,462 |
Other revolving credit plans | 35,184 |  |  | 176 |  |  | 35,360 |  |  | 40,941 |  |  | 154 |  |  | 41,095 |
Automobile | 19,679 |  |  | 60 |  |  | 19,739 |  |  | 20,895 |  |  | 66 |  |  | 20,961 |
Other consumer | 50,911 |  |  | 663 |  |  | 51,574 |  |  | 53,072 |  |  | 749 |  |  | 53,821 |
Total | $ | 1,401,628 |  |  | $ | 10,599 |  |  | $ | 1,412,227 |  |  | $ | 1,416,673 |  |  | $ | 11,170 |  |  | $ | 1,427,843 |
Schedule of Holiday's Loan Portfolio Included in Consumer and Residential Loans | Holiday’s loan portfolio, included in other consumer loans above, is summarized as follows at March 31, 2025 and December 31, 2024:
| March 31, 2025 |  | December 31, 2024
Gross other consumer | $ | 22,778 |  |  | $ | 27,261 |
Less: other consumer unearned discounts | (3,659) |  |  | (4,772) |
Total other consumer loans, net of unearned discounts | $ | 19,119 |  |  | $ | 22,489 |

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