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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Summary of Loan Portfolio, Excluding Residential Loans Held for Sale, Broken Out by Classes

The following table presents the loan portfolio by segment and class, excluding residential LHFS, at March 31, 2025 and December 31, 2024:

			March 31, 2025						December 31, 2024
Commercial real estate:
Owner occupied			$	617,854					$	633,567
Non-owner occupied			1,157,383						1,160,238
Multi-family			257,724						274,135
Non-owner occupied residential			168,354						179,512
Acquisition and development:
1-4 family residential construction			40,621						47,432
Commercial and land development			227,434						241,424
Agricultural			134,916						125,156
Commercial and industrial			455,494						451,384
Municipal			30,780						30,044
Residential mortgage:
First lien			464,642						460,297
Home equity - term			9,224						5,988
Home equity - lines of credit			295,820						303,561
Installment and other loans			15,739						18,476
Total loans			$	3,875,985					$	3,931,214

Amortized Cost of the Loan Portfolio, by Year of Origination, Loan Class, and Credit Quality

The following table presents the amortized cost basis of the loan portfolio, by year of origination, loan class, and credit quality, as of March 31, 2025 and December 31, 2024. For residential and consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan and payment activity. Residential mortgage, installment and other consumer loans are presented below based on payment performance: performing or nonperforming.

			Term Loans Amortized Cost Basis by Origination Year
As of March 31, 2025			2025						2024						2023						2022						2021						Prior						Revolving Loans Amortized Basis						Revolving Loans Converted to Term						Total
Commercial Real Estate:
Owner-occupied:
Risk rating
Pass			$	10,969					$	53,350					$	90,088					$	104,618					$	97,914					$	169,641					$	12,407					$	1,578					$	540,565
Special mention			—						—						136						15,651						14,734						11,459						320						—						42,300
Substandard - Non-IEL			—						—						1,522						12,572						4,177						6,999						3,854						217						29,341
Substandard - IEL			—						—						694						206						1,082						3,666						—						—						5,648
Total owner-occupied loans			$	10,969					$	53,350					$	92,440					$	133,047					$	117,907					$	191,765					$	16,581					$	1,795					$	617,854
Current period gross charge offs - owner-occupied			$	—					$	—					$	—					$	75					$	—					$	—					$	—					$	—					$	75
Non-owner occupied:
Risk rating
Pass			$	10,367					$	82,873					$	145,771					$	192,518					$	323,602					$	372,363					$	2,449					$	378					$	1,130,321
Special mention			—						—						10,077						2,989						1,136						9,782						—						—						23,984
Substandard - Non-IEL			—						466						—						1,045						—						207						—						—						1,718
Substandard - IEL			—						—						—						—						—						1,360						—						—						1,360
Total non-owner occupied loans			$	10,367					$	83,339					$	155,848					$	196,552					$	324,738					$	383,712					$	2,449					$	378					$	1,157,383
Current period gross charge offs - non-owner occupied			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Multi-family:
Risk rating
Pass			$	548					$	7,232					$	9,919					$	96,057					$	52,973					$	84,242					$	1,409					$	214					$	252,594
Special mention			—						—						—						1,082						776						—						—						—						1,858
Substandard - Non-IEL			—						—						—						569						2,468						235						—						—						3,272
Substandard - IEL			—						—						—						—						—						—						—						—						—
Total multi-family loans			$	548					$	7,232					$	9,919					$	97,708					$	56,217					$	84,477					$	1,409					$	214					$	257,724
Current period gross charge offs - multi-family			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Non-owner occupied residential:
Risk rating
Pass			$	213					$	9,291					$	19,935					$	28,486					$	27,625					$	78,606					$	1,113					$	652					$	165,921
Special mention			—						—						—						—						147						381						40						40						608
Substandard - Non-IEL			—						—						—						51						131						1,256						—						109						1,547
Substandard - IEL			—						—						—						154						—						124						—						—						278
Total non-owner occupied residential loans			$	213					$	9,291					$	19,935					$	28,691					$	27,903					$	80,367					$	1,153					$	801					$	168,354
Current period gross charge offs - non-owner occupied residential			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
continued

			Term Loans Amortized Cost Basis by Origination Year
As of March 31, 2025			2025						2024						2023						2022						2021						Prior						Revolving Loans Amortized Basis						Revolving Loans Converted to Term						Total
Acquisition and development:
1-4 family residential construction:
Risk rating
Pass			$	8,151					$	22,936					$	4,235					$	1,524					$	1,138					$	848					$	880					$	—					$	39,712
Special mention			—						74						222						—						—						613						—						—						909
Substandard - Non-IEL			—						—						—						—						—						—						—						—						—
Substandard - IEL			—						—						—						—						—						—						—						—						—
Total 1-4 family residential construction loans			$	8,151					$	23,010					$	4,457					$	1,524					$	1,138					$	1,461					$	880					$	—					$	40,621
Current period gross charge offs - 1-4 family residential construction			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial and land development:
Risk rating
Pass			$	1,653					$	67,323					$	51,414					$	73,373					$	10,598					$	5,422					$	8,106					$	150					$	218,039
Special mention			—						—						—						4,748						—						—						—						—						4,748
Substandard - Non-IEL			—						734						271						—						—						—						—						—						1,005
Substandard - IEL			—						—						18						3,274						350						—						—						—						3,642
Total commercial and land development loans			$	1,653					$	68,057					$	51,703					$	81,395					$	10,948					$	5,422					$	8,106					$	150					$	227,434
Current period gross charge offs - commercial and land development			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural
Risk rating
Pass			$	5,219					$	14,567					$	14,206					$	21,127					$	19,446					$	44,101					$	13,130					$	1,336					$	133,132
Special mention			$	—					$	—					$	—					$	—					$	—					$	256					$	81					$	—					$	337
Substandard - Non-IEL			$	—					$	—					$	—					$	450					$	—					$	207					$	—					$	—					$	657
Substandard - IEL			$	—					$	—					$	—					$	790					$	—					$	—					$	—					$	—					$	790
Total agricultural loans			$	5,219					$	14,567					$	14,206					$	22,367					$	19,446					$	44,564					$	13,211					$	1,336					$	134,916
Current period gross charge offs - agricultural			$	—					$	—					$	—					$	—					$	25					$	—					$	—					$	—					$	25
Commercial and Industrial:
Risk rating
Pass			$	22,580					$	81,474					$	52,806					$	51,298					$	48,462					$	24,931					$	130,512					$	7,126					$	419,189
Special mention			—						4,376						927						2,361						235						—						9,603						61						17,563
Substandard - Non-IEL			—						—						2,214						2,100						—						—						8,607						2,813						15,734
Substandard - IEL			—						397						559						128						169						1,602						—						153						3,008
Total commercial and industrial loans			$	22,580					$	86,247					$	56,506					$	55,887					$	48,866					$	26,533					$	148,722					$	10,153					$	455,494
Current period gross charge offs - commercial and industrial			$	—					$	—					$	381					$	—					$	41					$	95					$	—					$	—					$	517
Municipal:
Risk rating
Pass			$	2,497					$	562					$	—					$	9,816					$	2,877					$	13,555					$	—					$	—					$	29,307
Special mention			—						—						—						—						—						1,473						—						—						1,473
Total municipal loans			$	2,497					$	562					$	—					$	9,816					$	2,877					$	15,028					$	—					$	—					$	30,780
Current period gross charge offs - municipal			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
continued

			Term Loans Amortized Cost Basis by Origination Year
As of March 31, 2025			2025						2024						2023						2022						2021						Prior						Revolving Loans Amortized Basis						Revolving Loans Converted to Term						Total
Residential mortgage:
First lien:
Payment performance
Performing			$	20,302					$	59,611					$	97,877					$	100,981					$	49,771					$	130,429					$	—					$	—					$	458,971
Nonperforming			—						673						577						237						250						3,934						—						—						5,671
Total first lien loans			$	20,302					$	60,284					$	98,454					$	101,218					$	50,021					$	134,363					$	—					$	—					$	464,642
Current period gross charge offs - first lien			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Payment performance
Performing			$	79					$	1,422					$	1,245					$	1,451					$	1,028					$	3,770					$	160					$	—					$	9,155
Nonperforming			—						—						—						35						—						34						—						—						69
Total home equity - term loans			$	79					$	1,422					$	1,245					$	1,486					$	1,028					$	3,804					$	160					$	—					$	9,224
Current period gross charge offs - home equity - term			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Home equity - lines of credit:
Payment performance
Performing			$	—					$	—					$	—					$	—					$	—					$	—					$	196,120					$	97,289					$	293,409
Nonperforming			—						—						—						—						—						—						2,086						325						2,411
Total residential real estate - home equity - lines of credit loans			$	—					$	—					$	—					$	—					$	—					$	—					$	198,206					$	97,614					$	295,820
Current period gross charge offs - home equity - lines of credit			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Installment and other loans:
Payment performance
Performing			$	578					$	1,469					$	2,355					$	1,849					$	666					$	410					$	8,371					$	27					$	15,725
Nonperforming			—						—						3						—						—						11						—						—						14
Total Installment and other loans			$	578					$	1,469					$	2,358					$	1,849					$	666					$	421					$	8,371					$	27					$	15,739
Current period gross charge offs - installment and other			$	—					$	232					$	—					$	3					$	2					$	8					$	31					$	—					$	276

			Term Loans Amortized Cost Basis by Origination Year
As of December 31, 2024			2024						2023						2022						2021						2020						Prior						Revolving Loans Amortized Basis						Revolving Loans Converted to Term						Total
Commercial Real Estate:
Owner-occupied:
Risk rating
Pass			$	55,068					$	86,255					$	106,696					$	112,278					$	31,495					$	155,543					$	14,653					$	280					$	562,268
Special mention			—						1,674						18,563						1,895						7,946						5,422						165						—						35,665
Substandard - Non-IEL			—						694						14,572						4,204						2,477						4,899						4,510						—						31,356
Substandard - IEL			—						9						—						1,110						245						2,914						—						—						4,278
Total owner-occupied loans			$	55,068					$	88,632					$	139,831					$	119,487					$	42,163					$	168,778					$	19,328					$	280					$	633,567
Current period gross charge offs - owner-occupied			$	—					$	217					$	13					$	313					$	—					$	12					$	—					$	—					$	555
Non-owner occupied:
Risk rating
Pass			$	82,441					$	146,020					$	193,131					$	326,586					$	123,646					$	256,212					$	2,335					$	—					$	1,130,371
Special mention			—						10,081						2,985						334						7,920						1,919						—						—						23,239
Substandard - Non-IEL			482						—						1,049						—						1,043						2,588						—						—						5,162
Substandard - IEL			—						—						—						—						—						1,466						—						—						1,466
Total non-owner occupied loans			$	82,923					$	156,101					$	197,165					$	326,920					$	132,609					$	262,185					$	2,335					$	—					$	1,160,238
Current period gross charge offs - non-owner occupied			$	—					$	—					$	—					$	—					$	—					$	65					$	—					$	—					$	65
Multi-family:
Risk rating
Pass			$	7,269					$	12,679					$	105,883					$	54,028					$	30,968					$	54,676					$	1,351					$	—					$	266,854
Special mention			—						—						1,094						—						—						—						—						—						1,094
Substandard - Non-IEL			—						—						571						4,658						—						237						—						—						5,466
Substandard - IEL			—						—						—						—						—						721						—						—						721
Total multi-family loans			$	7,269					$	12,679					$	107,548					$	58,686					$	30,968					$	55,634					$	1,351					$	—					$	274,135
Current period gross charge offs - multi-family			$	—					$	—					$	—					$	—					$	—					$	7					$	—					$	—					$	7
Non-owner occupied residential:
Risk rating
Pass			$	9,322					$	22,771					$	29,681					$	29,729					$	19,410					$	64,851					$	1,257					$	—					$	177,021
Special mention			—						—						—						147						42						478						39						—						706
Substandard - Non-IEL			—						—						166						133						—						1,311						—						—						1,610
Substandard - IEL			—						—						43						—						—						132						—						—						175
Total non-owner occupied residential loans			$	9,322					$	22,771					$	29,890					$	30,009					$	19,452					$	66,772					$	1,296					$	—					$	179,512
Current period gross charge offs - non-owner occupied residential			$	—					$	—					$	—					$	29					$	—					$	—					$	—					$	—					$	29
continued

			Term Loans Amortized Cost Basis by Origination Year
As of December 31, 2024			2024						2023						2022						2021						2020						Prior						Revolving Loans Amortized Basis						Revolving Loans Converted to Term						Total
Acquisition and development:
1-4 family residential construction:
Risk rating
Pass			$	30,908					$	7,079					$	2,295					$	598					$	935					$	762					$	3,921					$	—					$	46,498
Special mention			74						717						—						—						—						143						—						—						934
Substandard - Non-IEL			—						—						—						—						—						—						—						—						—
Substandard - IEL			—						—						—						—						—						—						—						—						—
Total 1-4 family residential construction loans			$	30,982					$	7,796					$	2,295					$	598					$	935					$	905					$	3,921					$	—					$	47,432
Current period gross charge offs - 1-4 family residential construction			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial and land development:
Risk rating
Pass			$	60,420					$	57,563					$	74,893					$	14,107					$	372					$	6,928					$	7,280					$	—					$	221,563
Special mention			734						—						4,557						998						1,841						3,451						—						—						11,581
Substandard - Non-IEL			2,966						1,656						—						—						—						—						—						—						4,622
Substandard - IEL			—						18						3,282						358						—						—						—						—						3,658
Total commercial and land development loans			$	64,120					$	59,237					$	82,732					$	15,463					$	2,213					$	10,379					$	7,280					$	—					$	241,424
Current period gross charge offs - commercial and land development			$	—					$	23					$	—					$	—					$	—					$	—					$	—					$	—					$	23
Agricultural
Risk rating
Pass			$	14,663					$	14,507					$	21,782					$	19,486					$	10,463					$	28,095					$	13,891					$	164					$	123,051
Special mention			—						—						—						25						—						902						161						—						1,088
Substandard - Non-IEL			—						—						13						—						—						207						—						—						220
Substandard - IEL			—						—						797						—						—						—						—						—						797
Total agricultural loans			$	14,663					$	14,507					$	22,592					$	19,511					$	10,463					$	29,204					$	14,052					$	164					$	125,156
Current period gross charge offs - agricultural			$	—					$	1					$	—					$	18					$	—					$	18					$	1					$	—					$	38
Commercial and Industrial:
Risk rating
Pass			$	82,924					$	55,109					$	53,482					$	49,937					$	15,405					$	17,215					$	137,379					$	2,768					$	414,219
Special mention			485						2,000						2,477						293						2						23						10,516						—						15,796
Substandard - Non-IEL			—						1,037						2,547						3,409						—						490						8,386						—						15,869
Substandard - IEL			409						2,772						140						191						884						921						183						—						5,500
Total commercial and industrial loans			$	83,818					$	60,918					$	58,646					$	53,830					$	16,291					$	18,649					$	156,464					$	2,768					$	451,384
Current period gross charge offs - commercial and industrial			$	—					$	335					$	212					$	60					$	1,739					$	60					$	571					$	—					$	2,977
Municipal:
Risk rating
Pass			$	1,565					$	—					$	10,006					$	3,124					$	269					$	15,080					$	—					$	—					$	30,044
Total municipal loans			$	1,565					$	—					$	10,006					$	3,124					$	269					$	15,080					$	—					$	—					$	30,044
Current period gross charge offs - municipal			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
continued

			Term Loans Amortized Cost Basis by Origination Year
As of December 31, 2024			2024						2023						2022						2021						2020						Prior						Revolving Loans Amortized Basis						Revolving Loans Converted to Term						Total
Residential mortgage:
First lien:
Payment performance
Performing			$	62,970					$	101,901					$	103,347					$	52,420					$	25,303					$	109,113					$	—					$	—					$	455,054
Nonperforming			672						308						241						483						218						3,321						—						—						5,243
Total first lien loans			$	63,642					$	102,209					$	103,588					$	52,903					$	25,521					$	112,434					$	—					$	—					$	460,297
Current period gross charge offs - first lien			$	—					$	—					$	—					$	—					$	—					$	2					$	—					$	—					$	2
Home equity - term:
Payment performance
Performing			$	395					$	752					$	1,040					$	201					$	462					$	3,068					$	—					$	—					$	5,918
Nonperforming			—						—						36						—						—						34						—						—						70
Total home equity - term loans			$	395					$	752					$	1,076					$	201					$	462					$	3,102					$	—					$	—					$	5,988
Current period gross charge offs - home equity - term			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Home equity - lines of credit:
Payment performance
Performing			$	—					$	—					$	—					$	—					$	—					$	—					$	200,886					$	100,331					$	301,217
Nonperforming			—						—						—						—						—						—						2,048						296						2,344
Total residential real estate - home equity - lines of credit loans			$	—					$	—					$	—					$	—					$	—					$	—					$	202,934					$	100,627					$	303,561
Current period gross charge offs - home equity - lines of credit			$	—					$	—					$	—					$	—					$	—					$	—					$	63					$	—					$	63
Installment and other loans:
Payment performance
Performing			$	2,197					$	2,764					$	2,209					$	830					$	119					$	496					$	9,817					$	19					$	18,451
Nonperforming			9						3						—						—						—						13						—						—						25
Total Installment and other loans			$	2,206					$	2,767					$	2,209					$	830					$	119					$	509					$	9,817					$	19					$	18,476
Current period gross charge offs - installment and other			$	209					$	12					$	—					$	32					$	—					$	33					$	21					$	—					$	307

Schedule of Amortized Cost of Nonaccrual Loans by Class, With and Without Loan Reserves

The following table presents the amortized cost basis of nonaccrual loans, according to loan class, with and without reserves on individually evaluated loans as of March 31, 2025 and December 31, 2024. The Company did not recognize interest income on nonaccrual loans during the three months ended March 31, 2025 and 2024.

			March 31, 2025																								December 31, 2024
			Nonaccrual loans with a related ACL						Nonaccrual loans with no related ACL						Total nonaccrual loans						Loans Past Due 90+ Accruing						Nonaccrual loans with a related ACL						Nonaccrual loans with no related ACL						Total nonaccrual loans						Loans Past Due 90+ Accruing
Commercial real estate:
Owner-occupied			$	232					$	5,416					$	5,648					$	—					$	232					$	4,046					$	4,278					$	—
Non-owner occupied			—						1,360						1,360						—						—						1,466						1,466						—
Multi-family			—						—						—						—						—						721						721						237
Non-owner occupied residential			—						278						278						—						—						175						175						—
Acquisition and development:
Commercial and land development			3,006						636						3,642						—						3,282						376						3,658						—
Agricultural			—						790						790						—						—						797						797						—
Commercial and industrial			1,460						1,548						3,008						109						2,822						2,678						5,500						113
Residential mortgage:
First lien			20						5,487						5,507						272						—						5,077						5,077						243
Home equity – term			—						69						69						19						36						34						70						18
Home equity – lines of credit			—						2,411						2,411						—						—						2,344						2,344						30
Installment and other loans			14						—						14						—						15						10						25						—
Total			$	4,732					$	17,995					$	22,727					$	400					$	6,387					$	17,724					$	24,111					$	641

Schedule of Amortized Cost Basis of Collateral Dependent Loans

The following table presents the amortized cost basis of collateral-dependent loans by class as of March 31, 2025 and December 31, 2024:

			Type of Collateral
March 31, 2025			Business Assets						Commercial Real Estate						Equipment						Land						Residential Real Estate												Other						Total
Commercial real estate:
Owner occupied			$	—					$	5,648					$	—					$	—					$	—											$	—					$	5,648
Non-owner occupied			—						1,360						—						—						—												—						1,360
Non-owner occupied residential			—						278						—						—						—												—						278
Acquisition and development:
Commercial and land development			—						3,642						—						—						—												—						3,642
Agricultural			—						—						—						790						—												—						790
Commercial and industrial			1,726						—						1,287						—						—												—						3,013
Residential mortgage:
First lien			—						—						—						—						5,297												—						5,297
Home equity - term			—						—						—						—						69												—						69
Home equity - lines of credit			—						—						—						—						2,411												—						2,411
Installment and other loans			—						—						3						—						—												—						3
Total			$	1,726					$	10,928					$	1,290					$	790					$	7,777											$	—					$	22,511
December 31, 2024
Commercial real estate:
Owner occupied			$	—					$	4,269					$	—					$	—					$	—											$	—					$	4,269
Non-owner occupied			—						1,463						—						—						—												—						1,463
Multi-family			—						721						—						—						—												—						721
Non-owner occupied residential			—						175						—						—						—												—						175
Acquisition and development:
Commercial and land development			—						3,381						—						277						—												—						3,658
Agricultural			—						—						—						797						—												—						797
Commercial and industrial			1,919						—						3,515						—						—												—						5,434
Residential mortgage:
First lien			—						—						—						—						5,007												—						5,007
Home equity - term			—						—						—						—						70												—						70
Home equity - lines of credit			—						—						—						—						2,344												—						2,344
Installment and other loans			—						—						3						—						—												9						12
Total			$	1,919					$	10,009					$	3,518					$	1,074					$	7,421											$	9					$	23,950

Schedule of Loans Modified by Class and Type of Modification and Effectiveness of Modifications

The following tables presents the amortized cost of loans at March 31, 2025 that were both experiencing financial difficulty and modified during the three months ended March 31, 2025, by loan class and by type of modification. The

percentage of the amortized cost of loans that were modified to borrowers experiencing difficulty as compared to the amortized cost of loan class is also presented below.

Three Months Ended   March 31, 2025			Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Reduction						Combination Term Extension and Principal Forgiveness						Combination Term Extension and Interest Rate Reductions						Total Class of Financing Receivable
Commercial real estate:
Owner-occupied			—						—						8						—						—						—						—		%
Acquisition and development:
Commercial and land development			—						—						5,016						—						—						—						2.21		%
Total:			—						—						5,024						—						—						—

The Company monitors the performance of the modified loans to borrowers experiencing financial difficulty to determine the effectiveness of its modification efforts. The following table presents the performance of the loans modified during the three months ended March 31, 2025, which includes loans that remain on nonaccrual status:

March 31, 2025			Current						30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total						Non-Accrual
Commercial real estate:
Owner-occupied			$	—					$	—					$	—					$	—					$	—					$	8
Acquisition and development:
1-4 family residential construction			—						—						—						—						—						—
Commercial and land development			4,747						—						—						—						4,747						269
Total:			4,747						—						—						—						4,747						277

The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the three and three months ended March 31, 2025:

March 31, 2025			Principal Forgiveness						Weighted Average Interest Rate Reduction						Weighted Average Term Extension (in years)
Commercial real estate:
Owner-occupied			$	—					—		%				0.3
Acquisition and development:
Commercial and land development			—						—		%				0.5

Loan Portfolio Summarized by Aging Categories of Performing Loans and Nonaccrual Loans

The following table presents the classes of the loan portfolio summarized by aging categories at March 31, 2025 and December 31, 2024:

			30-59 Days Past Due						60-89 Days Past Due						90+ Days Past Due						Total Past Due						Loans Not Past Due						Total Loans
March 31, 2025
Commercial real estate:
Owner occupied			$	1,546					$	899					$	1,345					$	3,790					$	614,064					$	617,854
Non-owner occupied			146						—						—						146						1,157,237						1,157,383
Multi-family			938						—						—						938						256,786						257,724
Non-owner occupied residential			140						74						178						392						167,962						168,354
Acquisition and development:
1-4 family residential construction			2,095						—						—						2,095						38,526						40,621
Commercial and land development			734						—						3,005						3,739						223,695						227,434
Agricultural			185						—						845						1,030						133,886						134,916
Commercial and industrial			245						76						2,089						2,410						453,084						455,494
Municipal			—						—						—						—						30,780						30,780
Residential mortgage:
First lien			22,834						2,108						1,780						26,722						437,920						464,642
Home equity - term			27						—						88						115						9,109						9,224
Home equity - lines of credit			1,690						413						1,263						3,366						292,454						295,820
Installment and other loans			67						—						3						70						15,669						15,739
			$	30,647					$	3,570					$	10,596					$	44,813					$	3,831,172					$	3,875,985
December 31, 2024
Commercial real estate:
Owner occupied			$	1,753					$	2,070					$	1,433					$	5,256					$	628,311					$	633,567
Non-owner occupied			1,251						148						72						1,471						1,158,767						1,160,238
Multi-family			124						—						237						361						273,774						274,135
Non-owner occupied residential			1,383						115						65						1,563						177,949						179,512
Acquisition and development:
1-4 family residential construction			1,540						532						—						2,072						45,360						47,432
Commercial and land development			818						—						3,301						4,119						237,305						241,424
Agricultural			466						845						—						1,311						123,845						125,156
Commercial and industrial			410						280						4,459						5,149						446,235						451,384
Municipal			237						—						—						237						29,807						30,044
Residential mortgage:
First lien			17,534						4,827						2,822						25,183						435,114						460,297
Home equity - term			37						69						18						124						5,864						5,988
Home equity - lines of credit			3,612						318						1,208						5,138						298,423						303,561
Installment and other loans			94						11						12						117						18,359						18,476
			$	29,259					$	9,215					$	13,627					$	52,101					$	3,879,113					$	3,931,214

Summary of Activity in the ALL and Ending Loan Balances Individually Evaluated for Impairment Based on Loan Segment

The following table presents the activity in the ACL for the three months ended March 31, 2025 and 2024:

			Commercial																																				Consumer
			Commercial Real Estate						Acquisition and Development						Agricultural						Commercial and Industrial						Municipal						Total						Residential Mortgage						Installment and Other						Total												Total
Three Months Ended
March 31, 2025
Balance, beginning of period			$	29,551					$	6,601					$	110					$	6,190					$	320					$	42,772					$	5,240					$	677					$	5,917											$	48,689
Provision for credit losses			(3,587)						(452)						78						1,236						107						(2,618)						1,998						66						2,064												(554)
Charge-offs			(75)						—						(25)						(517)						—						(617)						—						(276)						(276)												(893)
Recoveries			4						1						—						453						—						458						74						30						104												562
Balance, end of period			$	25,893					$	6,150					$	163					$	7,362					$	427					$	39,995					$	7,312					$	497					$	7,809											$	47,804
March 31, 2024
Balance, beginning of period			$	17,873					$	2,241					$	437					$	5,369					$	157					$	26,077					$	2,424					$	201					$	2,625											$	28,702
Provision for loan losses			78						(9)						(44)						(417)						7						(385)						763						43						806												421
Charge-offs			—						—						—						(46)						—						(46)						—						(53)						(53)												(99)
Recoveries			24						1						—						90						—						115						6						20						26												141
Balance, end of period			$	17,975					$	2,233					$	393					$	4,996					$	164					$	25,761					$	3,193					$	211					$	3,404											$	29,165

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