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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2025
Loans Held for Investment and Allowance for Credit Losses [Abstract] |
Composition of the Loan Portfolio | (Dollars in Thousands) June 30, 2025 December 31, 2024 Commercial, Financial and Agricultural $ 180,008 $ 189,208 Real Estate – Construction 174,115 219,994 Real Estate – Commercial Mortgage 802,504 779,095 Real Estate – Residential (1) 1,047,920 1,042,504 Real Estate – Home Equity 228,201 220,064 Consumer (2) 198,742 200,685 Loans Held For Investment, Net of Unearned Income $ 2,631,490 $ 2,651,550 (1) Includes loans in process balances of $ 1.6 million and $ 13.6 million at June 30, 2025 and December 31, 2024, respectively. (2) Includes overdraft balances of $ 1.3 million and $ 1.2 million at June 30, 2025 and December 31, 2024, respectively.
Activity in Allowance for Credit Losses | Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total Three Months Ended June 30, 2025 Beginning Balance $ 1,468 $ 2,233 $ 6,061 $ 14,885 $ 2,029 $ 3,058 $ 29,734 Provision for Credit Losses (86) (422) 189 363 (33) 707 718 Charge-Offs (74) - - (49) (24) (1,351) (1,498) Recoveries 117 - 6 65 42 678 908 Net (Charge-Offs) Recoveries 43 - 6 16 18 (673) (590) Ending Balance $ 1,425 $ 1,811 $ 6,256 $ 15,264 $ 2,014 $ 3,092 $ 29,862 Six Months Ended June 30, 2025 Beginning Balance $ 1,514 $ 2,384 $ 5,867 $ 14,568 $ 1,952 $ 2,966 $ 29,251 Provision for Credit Losses (39) (573) 380 569 35 1,429 1,801 Charge-Offs (242) - - (57) (24) (2,786) (3,109) Recoveries 192 - 9 184 51 1,483 1,919 Net (Charge-Offs) Recoveries (50) - 9 127 27 (1,303) (1,190) Ending Balance $ 1,425 $ 1,811 $ 6,256 $ 15,264 $ 2,014 $ 3,092 $ 29,862 Three Months Ended June 30, 2024 Beginning Balance $ 1,525 $ 1,869 $ 5,947 $ 14,828 $ 1,896 $ 3,264 $ 29,329 Provision for Credit Losses 391 (118) 110 (63) (68) 877 1,129 Charge-Offs (400) - - - - (1,632) (2,032) Recoveries 59 - 19 23 37 655 793 Net (Charge-Offs) Recoveries (341) - 19 23 37 (977) (1,239) Ending Balance $ 1,575 $ 1,751 $ 6,076 $ 14,788 $ 1,865 $ 3,164 $ 29,219 Six Months Ended June 30, 2024 Beginning Balance $ 1,482 $ 2,502 $ 5,782 $ 15,056 $ 1,818 $ 3,301 $ 29,941 Provision for Credit Losses 675 (751) 71 (311) 62 2,265 2,011 Charge-Offs (682) - - (17) (76) (3,820) (4,595) Recoveries 100 - 223 60 61 1,418 1,862 Net (Charge-Offs) Recoveries (582) - 223 43 (15) (2,402) (2,733) Ending Balance $ 1,575 $ 1,751 $ 6,076 $ 14,788 $ 1,865 $ 3,164 $ 29,219
Loan Portfolio Aging | 30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans June 30, 2025 Commercial, Financial and Agricultural $ 278 $ 84 $ - $ 362 $ 179,327 $ 319 $ 180,008 Real Estate – Construction - - - - 174,115 - 174,115 Real Estate – Commercial Mortgage 765 - - 765 800,335 1,404 802,504 Real Estate – Residential 303 1,319 - 1,622 1,044,753 1,545 1,047,920 Real Estate – Home Equity 248 19 - 267 225,343 2,591 228,201 Consumer 1,269 238 - 1,507 196,645 590 198,742 Total $ 2,863 $ 1,660 $ - $ 4,523 $ 2,620,518 $ 6,449 $ 2,631,490 December 31, 2024 Commercial, Financial and Agricultural $ 340 $ 50 $ - $ 390 $ 188,781 $ 37 $ 189,208 Real Estate – Construction - - - - 219,994 - 219,994 Real Estate – Commercial Mortgage 719 100 - 819 777,710 566 779,095 Real Estate – Residential 185 498 - 683 1,038,694 3,127 1,042,504 Real Estate – Home Equity 122 - - 122 218,160 1,782 220,064 Consumer 2,154 143 - 2,297 197,598 790 200,685 Total $ 3,520 $ 791 $ - $ 4,311 $ 2,640,937 $ 6,302 $ 2,651,550
Recorded Investment in Nonaccrual and Past Due Loans | June 30, 2025 December 31, 2024 Nonaccrual Nonaccrual Nonaccrual Nonaccrual With No With 90 + Days With No With 90 + Days (Dollars in Thousands) ACL ACL Still Accruing ACL ACL Still Accruing Commercial, Financial and Agricultural $ - $ 319 $ - $ - $ 37 $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage 1,403 1 - 427 139 - Real Estate – Residential 968 577 - 2,046 1,081 - Real Estate – Home Equity 2,440 151 - 509 1,273 - Consumer - 590 - - 790 - Total Nonaccrual Loans $ 4,811 $ 1,638 $ - $ 2,982 $ 3,320 $ -
Collateral-Dependent Loans | June 30, 2025 December 31, 2024 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ 1,210 $ - $ 39 Real Estate – Construction - - - - Real Estate – Commercial Mortgage 2,192 - 427 - Real Estate – Residential 2,694 - 2,476 - Real Estate – Home Equity 1,166 - 651 - Consumer - - - 55 Total Collateral Dependent Loans $ 6,052 $ 1,210 $ 3,554 $ 94
Loans Held for Investment by Years of Origination | (Dollars in Thousands) Term Loans by Origination Year Revolving As of June 30, 2025 2025 2024 2023 2022 2021 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 21,285 $ 29,681 $ 28,473 $ 29,399 $ 15,176 $ 10,549 $ 40,078 $ 174,641 Special Mention - 289 3,151 116 13 - 50 3,619 Substandard - 135 45 167 21 111 1,269 1,748 Total $ 21,285 $ 30,105 $ 31,669 $ 29,682 $ 15,210 $ 10,660 $ 41,397 $ 180,008 Current-Period Gross Writeoffs $ - $ - $ 42 $ 188 $ 12 $ - $ - $ 242 Real Estate - Construction: Pass $ 29,488 $ 87,990 $ 26,659 $ 12,267 $ 53 $ 193 $ 13,306 $ 169,956 Special Mention - - 583 3,576 - - - 4,159 Total $ 29,488 $ 87,990 $ 27,242 $ 15,843 $ 53 $ 193 $ 13,306 $ 174,115 Real Estate - Commercial Mortgage: Pass $ 39,009 $ 97,387 $ 113,036 $ 198,192 $ 102,760 $ 178,711 $ 33,667 $ 762,762 Special Mention 3,922 164 52 18,373 1,120 2,871 1,065 27,567 Substandard 390 1,402 100 3,658 863 5,762 - 12,175 Total $ 43,321 $ 98,953 $ 113,188 $ 220,223 $ 104,743 $ 187,344 $ 34,732 $ 802,504 Real Estate - Residential: Pass $ 85,110 $ 141,045 $ 299,506 $ 340,188 $ 63,490 $ 95,076 $ 10,416 $ 1,034,831 Special Mention - - 290 - 1,060 315 453 2,118 Substandard - 2,543 454 1,690 1,421 4,695 168 10,971 Total $ 85,110 $ 143,588 $ 300,250 $ 341,878 $ 65,971 $ 100,086 $ 11,037 $ 1,047,920 Current-Period Gross Writeoffs $ - $ - $ 47 $ - $ - $ 10 $ - $ 57 Real Estate - Home Equity: Performing $ 1,292 $ 11 $ 412 $ 19 $ 114 $ 607 $ 223,155 $ 225,610 Nonperforming - - - - - - 2,591 2,591 Total $ 1,292 $ 11 $ 412 $ 19 $ 114 $ 607 $ 225,746 $ 228,201 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 24 $ 24 Consumer: Performing $ 42,832 $ 28,000 $ 35,926 $ 42,138 $ 30,933 $ 9,127 $ 9,196 $ 198,152 Nonperforming 152 - 37 214 114 73 - 590 Total $ 42,984 $ 28,000 $ 35,963 $ 42,352 $ 31,047 $ 9,200 $ 9,196 $ 198,742 Current-Period Gross Writeoffs $ 1,029 $ 91 $ 636 $ 707 $ 204 $ 45 $ 74 $ 2,786 (Dollars in Thousands) Term Loans by Origination Year Revolving As of December 31, 2024 2024 2023 2022 2021 2020 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 35,596 $ 36,435 $ 37,506 $ 18,433 $ 4,610 $ 9,743 $ 41,720 $ 184,043 Special Mention 435 3,979 261 9 - - 76 4,760 Substandard - - 193 12 58 71 71 405 Total $ 36,031 $ 40,414 $ 37,960 $ 18,454 $ 4,668 $ 9,814 $ 41,867 $ 189,208 Current-Period Gross Writeoffs $ 9 $ 548 $ 500 $ 111 $ 160 $ 1 $ 183 $ 1,512 Real Estate - Construction: Pass $ 105,148 $ 73,615 $ 29,821 $ 53 $ - $ 185 $ 8,288 $ 217,110 Special Mention 1,555 - 1,329 - - - - 2,884 Total $ 106,703 $ 73,615 $ 31,150 $ 53 $ - $ 185 $ 8,288 $ 219,994 Current-Period Gross Writeoffs $ - $ - $ 47 $ - $ - $ - $ - $ 47 Real Estate - Commercial Mortgage: Pass $ 77,561 $ 110,183 $ 207,574 $ 109,863 $ 87,369 $ 122,272 $ 26,324 $ 741,146 Special Mention 171 2,913 17,031 - 2,253 4,402 530 27,300 Substandard - 2,463 3,403 869 2,508 1,305 101 10,649 Total $ 77,732 $ 115,559 $ 228,008 $ 110,732 $ 92,130 $ 127,979 $ 26,955 $ 779,095 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 3 $ 3 Real Estate - Residential: Pass $ 165,050 $ 316,521 $ 358,851 $ 71,423 $ 31,169 $ 76,921 $ 11,872 $ 1,031,807 Special Mention - 265 - 1,104 468 534 521 2,892 Substandard - 528 1,450 1,446 1,295 2,918 168 7,805 Total $ 165,050 $ 317,314 $ 360,301 $ 73,973 $ 32,932 $ 80,373 $ 12,561 $ 1,042,504 Current-Period Gross Writeoffs $ - $ 13 $ - $ - $ - $ 48 $ - $ 61 Real Estate - Home Equity: Performing $ 801 $ 521 $ 30 $ 119 $ 9 $ 821 $ 215,981 $ 218,282 Nonperforming - - - - - - 1,782 1,782 Total $ 801 $ 521 $ 30 $ 119 $ 9 $ 821 $ 217,763 $ 220,064 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 132 $ 132 Consumer: Performing $ 32,293 $ 44,995 $ 55,942 $ 42,002 $ 10,899 $ 4,116 $ 9,648 $ 199,895 Nonperforming 10 174 321 156 58 71 - 790 Total $ 32,303 $ 45,169 $ 56,263 $ 42,158 $ 10,957 $ 4,187 $ 9,648 $ 200,685 Current-Period Gross Writeoffs $ 2,562 $ 1,605 $ 2,088 $ 897 $ 237 $ 76 $ 162 $ 7,627

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
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