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Note 4 - Loans | 12 Months Ended
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Dec. 31, 2023
Notes to Financial Statements |
Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 4. Loans The Company groups loans into three segments (commercial loans, consumer real estate loans, and consumer and other loans) with each segment divided into various classes. Customer overdrafts reclassified as loans totaled $1.50 million as of December 31, 2023, and $1.80 million as of December 31, 2022. Deferred loan fees were $7.71 million as of December 31, 2023, and $8.81 million as of December 31, 2022. For information about off-balance sheet financing, see Note 19, “Litigation, Commitments, and Contingencies,” to the Consolidated Financial Statements of this report. In accordance with the adoption of ASU 2016-13, the table below reflects the loan portfolio at the amortized cost basis for the periods indicated, to include net deferred loan fees of $7.71 million as of December 31, 2023, and $8.81 million as of December 31, 2022. Additionally, included is, the unamortized discount total related to loans acquired of $15.29 million as of December 31, 2023, and $3.80 million as of December 31, 2022. Accrued interest receivable (AIR) of $9.64 million as of December 31, 2023, and $7.94 million as of December 31, 2022 , is accounted for separately and reported in Interest Receivable on the Consolidated Balance Sheet. The following table presents loans, net of unearned income by loan class, as of the dates indicated:
|  | December 31, |
|  | 2023 |  |  | 2022 |
(Amounts in thousands) |  | Amount |  |  | Percent |  |  | Amount |  |  | Percent |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 105,945 |  |  |  | 4.12 | % |  | $ | 117,174 |  |  |  | 4.88 | %
Commercial and industrial |  |  | 211,850 |  |  |  | 8.24 | % |  |  | 150,428 |  |  |  | 6.27 | %
Multi-family residential |  |  | 188,382 |  |  |  | 7.32 | % |  |  | 148,026 |  |  |  | 6.17 | %
Single family non-owner occupied |  |  | 224,895 |  |  |  | 8.74 | % |  |  | 206,121 |  |  |  | 8.59 | %
Non-farm, non-residential |  |  | 894,550 |  |  |  | 34.78 | % |  |  | 787,703 |  |  |  | 32.82 | %
Agricultural |  |  | 21,669 |  |  |  | 0.84 | % |  |  | 12,032 |  |  |  | 0.50 | %
Farmland |  |  | 14,202 |  |  |  | 0.55 | % |  |  | 11,779 |  |  |  | 0.49 | %
Total commercial loans |  |  | 1,661,493 |  |  |  | 64.59 | % |  |  | 1,433,263 |  |  |  | 59.72 | %
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 87,626 |  |  |  | 3.41 | % |  |  | 75,642 |  |  |  | 3.15 | %
Single family owner occupied |  |  | 696,140 |  |  |  | 27.06 | % |  |  | 734,540 |  |  |  | 30.61 | %
Owner occupied construction |  |  | 8,445 |  |  |  | 0.33 | % |  |  | 10,366 |  |  |  | 0.43 | %
Total consumer real estate loans |  |  | 792,211 |  |  |  | 30.80 | % |  |  | 820,548 |  |  |  | 34.19 | %
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 117,091 |  |  |  | 4.55 | % |  |  | 144,582 |  |  |  | 6.02 | %
Other |  |  | 1,503 |  |  |  | 0.06 | % |  |  | 1,804 |  |  |  | 0.07 | %
Total consumer and other loans |  |  | 118,594 |  |  |  | 4.61 | % |  |  | 146,386 |  |  |  | 6.09 | %
Total loans held for investment, net of unearned income |  | $ | 2,572,298 |  |  |  | 100.00 | % |  | $ | 2,400,197 |  |  |  | 100.00 | %

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org//310-10/tableOfContent + Details
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