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Note 5 - Allowance for Credit Losses | 9 Months Ended
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Sep. 30, 2025
Notes to Financial Statements |
Allowance for Credit Losses [Text Block] | Note 5. Allowance for Credit Losses The following tables present the changes in the allowance for credit losses, by loan segment, during the periods indicated:
|  | Three Months Ended September 30, 2025 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of quarter: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses - loans |  | $ | 19,247 |  |  | $ | 9,807 |  |  | $ | 3,966 |  |  | $ | 33,020 |
Allowance for credit losses - loan commitments |  |  | 163 |  |  |  | 130 |  |  |  | 26 |  |  |  | 319 |
Total allowance for credit losses beginning of year |  |  | 19,410 |  |  |  | 9,937 |  |  |  | 3,992 |  |  |  | 33,339 |
Provision for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Recovery of) provision for credit losses - loans |  |  | (2,311 | ) |  |  | 1,240 |  |  |  | 1,071 |  |  |  | - |
Provision for (recovery of) credit losses - loan commitments |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total (recovery of) provision for credit losses - loans and loan commitments |  |  | (2,311 | ) |  |  | 1,240 |  |  |  | 1,071 |  |  |  | - |
Charge-offs |  |  | (536 | ) |  |  | (75 | ) |  |  | (1,404 | ) |  |  | (2,015 | )
Recoveries |  |  | 187 |  |  |  | 69 |  |  |  | 336 |  |  |  | 592 |
Net charge-offs |  |  | (349 | ) |  |  | (6 | ) |  |  | (1,068 | ) |  |  | (1,423 | )
Allowance for credit losses - loans |  |  | 16,587 |  |  |  | 11,041 |  |  |  | 3,969 |  |  |  | 31,597 |
Allowance for credit losses - loan commitments |  |  | 163 |  |  |  | 130 |  |  |  | 26 |  |  |  | 319 |
Ending balance |  | $ | 16,750 |  |  | $ | 11,171 |  |  | $ | 3,995 |  |  | $ | 31,916 |
|  | Three Months Ended September 30, 2024 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of quarter: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses - loans |  | $ | 20,352 |  |  | $ | 9,879 |  |  | $ | 4,654 |  |  |  | 34,885 |
Allowance for credit losses - loan commitments |  |  | 289 |  |  |  | 118 |  |  |  | 34 |  |  |  | 441 |
Total allowance for credit losses beginning of year |  |  | 20,641 |  |  |  | 9,997 |  |  |  | 4,688 |  |  |  | 35,326 |
Provision for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Recovery of) provision for credit losses - loans |  |  | (151 | ) |  |  | 242 |  |  |  | 1,269 |  |  |  | 1,360 |
(Recovery of) provision for credit losses - loan commitments |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total (recovery of) provision for credit losses - loans and loan commitments |  |  | (151 | ) |  |  | 242 |  |  |  | 1,269 |  |  |  | 1,360 |
Charge-offs |  |  | (89 | ) |  |  | (22 | ) |  |  | (1,689 | ) |  |  | (1,800 | )
Recoveries |  |  | 253 |  |  |  | 57 |  |  |  | 363 |  |  |  | 673 |
Net recoveries (charge-offs) |  |  | 164 |  |  |  | 35 |  |  |  | (1,326 | ) |  |  | (1,127 | )
Allowance for credit losses - loans |  |  | 20,365 |  |  |  | 10,156 |  |  |  | 4,597 |  |  |  | 35,118 |
Allowance for credit losses - loan commitments |  |  | 289 |  |  |  | 118 |  |  |  | 34 |  |  |  | 441 |
Ending balance |  | $ | 20,654 |  |  | $ | 10,274 |  |  | $ | 4,631 |  |  | $ | 35,559 |
|  | Nine Months Ended September 30, 2025 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of year: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses - loans |  | $ | 20,418 |  |  | $ | 9,907 |  |  | $ | 4,500 |  |  | $ | 34,825 |
Allowance for credit losses - loan commitments |  |  | 171 |  |  |  | 138 |  |  |  | 32 |  |  |  | 341 |
Total allowance for credit losses beginning of year |  |  | 20,589 |  |  |  | 10,045 |  |  |  | 4,532 |  |  |  | 35,166 |
Provision for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Recovery of) provision for credit losses - loans |  |  | (3,473 | ) |  |  | 992 |  |  |  | 2,539 |  |  |  | 58 |
Recovery of credit losses - loan commitments |  |  | (8 | ) |  |  | (8 | ) |  |  | (6 | ) |  |  | (22 | )
Total (recovery of) provision for credit losses - loans and loan commitments |  |  | (3,481 | ) |  |  | 984 |  |  |  | 2,533 |  |  |  | 36 |
Charge-offs |  |  | (1,231 | ) |  |  | (104 | ) |  |  | (4,187 | ) |  |  | (5,522 | )
Recoveries |  |  | 873 |  |  |  | 246 |  |  |  | 1,117 |  |  |  | 2,236 |
Net (charge-offs) recoveries |  |  | (358 | ) |  |  | 142 |  |  |  | (3,070 | ) |  |  | (3,286 | )
Allowance for credit losses - loans |  |  | 16,587 |  |  |  | 11,041 |  |  |  | 3,969 |  |  |  | 31,597 |
Allowance for credit losses - loan commitments |  |  | 163 |  |  |  | 130 |  |  |  | 26 |  |  |  | 319 |
Ending balance |  | $ | 16,750 |  |  | $ | 11,171 |  |  | $ | 3,995 |  |  | $ | 31,916 |
|  | Nine Months Ended September 30, 2024 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of year: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses - loans |  | $ | 21,850 |  |  | $ | 9,693 |  |  | $ | 4,646 |  |  | $ | 36,189 |
Allowance for credit losses - loan commitments |  |  | 597 |  |  |  | 121 |  |  |  | 28 |  |  |  | 746 |
Total allowance for credit losses beginning of year |  |  | 22,447 |  |  |  | 9,814 |  |  |  | 4,674 |  |  |  | 36,935 |
Provision for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Recovery of) provision for credit losses - loans |  |  | (1,337 | ) |  |  | 300 |  |  |  | 3,857 |  |  |  | 2,820 |
(Recovery of) provision for credit losses - loan commitments |  |  | (308 | ) |  |  | (3 | ) |  |  | 6 |  |  |  | (305 | )
Total (recovery of) provision for credit losses - loans and loan commitments |  |  | (1,645 | ) |  |  | 297 |  |  |  | 3,863 |  |  |  | 2,515 |
Charge-offs |  |  | (645 | ) |  |  | (151 | ) |  |  | (5,051 | ) |  |  | (5,847 | )
Recoveries |  |  | 497 |  |  |  | 314 |  |  |  | 1,145 |  |  |  | 1,956 |
Net (charge-offs) recoveries |  |  | (148 | ) |  |  | 163 |  |  |  | (3,906 | ) |  |  | (3,891 | )
Allowance for credit losses - loans |  |  | 20,365 |  |  |  | 10,156 |  |  |  | 4,597 |  |  |  | 35,118 |
Allowance for credit losses - loan commitments |  |  | 289 |  |  |  | 118 |  |  |  | 34 |  |  |  | 441 |
Ending balance |  | $ | 20,654 |  |  | $ | 10,274 |  |  | $ | 4,631 |  |  | $ | 35,559 |

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