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Note 5 - Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2025

Notes Tables

Financing Receivable, Allowance for Credit Loss [Table Text Block]

		*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