XML 64 R52.htm IDEA: XBRL DOCUMENT v3.25.3
Loans and Leases and Allowance for Credit Losses - Risk Rating Based on Year of Origination for Current Year (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Loans Amortized Cost Basis by Origination Year          
2025 $ 689,767   $ 689,767   $ 907,094
2024 824,440   824,440   569,778
2023 482,856   482,856   929,360
2022 836,690   836,690   532,368
2021 459,759   459,759   219,487
Prior 406,848   406,848   282,898
Revolving Loans 517,009   517,009   458,959
Revolving Loans Converted to Term 5,000   5,000   6,396
Total loans and leases 4,222,369   4,222,369   3,906,340
Nonaccrual loans not formally assessed as "pass" included in risk rated balances 9,970   9,970   7,709
YTD gross charge-offs          
2025     (19)   (98)
2024     (305)   (1,321)
2023     (279)   (885)
2022     (657)   (38)
2021     (220)   (495)
Prior     (260)   (105)
Revolving Loans     (6)   (29)
Revolving Loans Converted to Term         (46)
Total (1,145) $ (1,426) (1,746) $ (2,803) (3,017)
Pass          
Loans Amortized Cost Basis by Origination Year          
2025 686,828   686,828   898,470
2024 819,781   819,781   564,767
2023 469,395   469,395   919,453
2022 832,221   832,221   519,569
2021 438,312   438,312   216,818
Prior 402,799   402,799   275,133
Revolving Loans 505,824   505,824   453,041
Revolving Loans Converted to Term 5,000   5,000   6,321
Total loans and leases 4,160,160   4,160,160   3,853,572
Watch          
Loans Amortized Cost Basis by Origination Year          
2025 1,402   1,402   4,035
2024 4,046   4,046   4,639
2023 13,418   13,418   9,391
2022 4,409   4,409   7,460
2021 16,510   16,510   1,934
Prior 1,198   1,198   5,059
Revolving Loans 10,728   10,728   4,850
Revolving Loans Converted to Term         14
Total loans and leases 51,711   51,711   37,382
Special Mention          
Loans Amortized Cost Basis by Origination Year          
2025         3,662
Prior 47   47   50
Total loans and leases 47   47   3,712
Substandard          
Loans Amortized Cost Basis by Origination Year          
2025 1,537   1,537   927
2024 613   613   372
2023 43   43   516
2022 60   60   5,339
2021 4,937   4,937   735
Prior 2,804   2,804   2,656
Revolving Loans 457   457   1,068
Revolving Loans Converted to Term         61
Total loans and leases 10,451   10,451   11,674
Commercial Real Estate | Non-owner occupied          
Loans Amortized Cost Basis by Origination Year          
2025 126,308   126,308   241,492
2024 233,994   233,994   119,692
2023 136,913   136,913   293,497
2022 279,232   279,232   228,832
2021 196,373   196,373   86,055
Prior 148,185   148,185   101,845
Revolving Loans 14,959   14,959   8,295
Revolving Loans Converted to Term 116   116   696
Total loans and leases 1,136,080   1,136,080   1,080,404
Nonaccrual loans not formally assessed as "pass" included in risk rated balances 719   719   514
Commercial Real Estate | Owner occupied          
Loans Amortized Cost Basis by Origination Year          
2025 156,912   156,912   150,446
2024 168,412   168,412   121,379
2023 118,914   118,914   277,726
2022 280,517   280,517   159,673
2021 145,440   145,440   64,736
Prior 129,293   129,293   79,663
Revolving Loans 12,557   12,557   13,857
Revolving Loans Converted to Term 43   43   198
Total loans and leases 1,012,088   1,012,088   867,678
Nonaccrual loans not formally assessed as "pass" included in risk rated balances 1,929   1,929   906
Commercial Real Estate | Pass | Non-owner occupied          
Loans Amortized Cost Basis by Origination Year          
2025 124,946   124,946   241,022
2024 233,475   233,475   118,055
2023 126,608   126,608   286,728
2022 276,107   276,107   228,554
2021 179,892   179,892   85,754
Prior 147,953   147,953   97,319
Revolving Loans 14,959   14,959   8,295
Revolving Loans Converted to Term 116   116   696
Total loans and leases 1,104,056   1,104,056   1,066,423
Commercial Real Estate | Pass | Owner occupied          
Loans Amortized Cost Basis by Origination Year          
2025 155,777   155,777   145,848
2024 165,321   165,321   118,233
2023 115,897   115,897   275,328
2022 279,376   279,376   155,119
2021 142,186   142,186   62,755
Prior 128,083   128,083   78,934
Revolving Loans 11,709   11,709   12,368
Revolving Loans Converted to Term 43   43   198
Total loans and leases 998,392   998,392   848,783
Commercial Real Estate | Watch | Non-owner occupied          
Loans Amortized Cost Basis by Origination Year          
2025 1,186   1,186    
2024 87   87   1,637
2023 10,305   10,305   6,769
2022 3,125   3,125   278
2021 16,141   16,141    
Prior         4,275
Total loans and leases 30,844   30,844   12,959
Commercial Real Estate | Watch | Owner occupied          
Loans Amortized Cost Basis by Origination Year          
2025         1,451
2024 3,091   3,091   2,814
2023 3,017   3,017   2,398
2022 1,141   1,141   1,251
2021         1,676
Prior 648   648   364
Revolving Loans 848   848   744
Total loans and leases 8,745   8,745   10,698
Commercial Real Estate | Special Mention | Owner occupied          
Loans Amortized Cost Basis by Origination Year          
2025         3,147
Total loans and leases         3,147
Commercial Real Estate | Substandard | Non-owner occupied          
Loans Amortized Cost Basis by Origination Year          
2025 176   176   470
2024 432   432    
2021 340   340   301
Prior 232   232   251
Total loans and leases 1,180   1,180   1,022
Commercial Real Estate | Substandard | Owner occupied          
Loans Amortized Cost Basis by Origination Year          
2025 1,135   1,135    
2024         332
2022         3,303
2021 3,254   3,254   305
Prior 562   562   365
Revolving Loans         745
Total loans and leases 4,951   4,951   5,050
Consumer Real Estate          
Loans Amortized Cost Basis by Origination Year          
2025 107,691   107,691   151,970
2024 138,681   138,681   105,497
2023 95,150   95,150   155,017
2022 154,571   154,571   82,883
2021 72,943   72,943   47,380
Prior 86,349   86,349   64,168
Revolving Loans 155,113   155,113   132,822
Revolving Loans Converted to Term 652   652   2,099
Total loans and leases 811,150   811,150   741,836
Nonaccrual loans not formally assessed as "pass" included in risk rated balances 1,965   1,965   1,995
YTD gross charge-offs          
Revolving Loans     (6)    
Total     (6)    
Consumer Real Estate | Pass          
Loans Amortized Cost Basis by Origination Year          
2025 107,691   107,691   151,786
2024 138,512   138,512   105,416
2023 95,138   95,138   154,956
2022 154,512   154,512   82,463
2021 72,839   72,839   47,122
Prior 83,742   83,742   61,844
Revolving Loans 153,429   153,429   131,267
Revolving Loans Converted to Term 652   652   2,099
Total loans and leases 806,515   806,515   736,953
Consumer Real Estate | Watch          
Loans Amortized Cost Basis by Origination Year          
2024         81
2022         109
2021 104   104   258
Prior 550   550   420
Revolving Loans 1,344   1,344   1,241
Total loans and leases 1,998   1,998   2,109
Consumer Real Estate | Special Mention          
Loans Amortized Cost Basis by Origination Year          
Prior 47   47   50
Total loans and leases 47   47   50
Consumer Real Estate | Substandard          
Loans Amortized Cost Basis by Origination Year          
2025         184
2024 169   169    
2023 12   12   61
2022 59   59   311
Prior 2,010   2,010   1,854
Revolving Loans 340   340   314
Total loans and leases 2,590   2,590   2,724
Construction and Land Development          
Loans Amortized Cost Basis by Origination Year          
2025 166,228   166,228   202,414
2024 162,356   162,356   74,200
2023 23,530   23,530   51,543
2022 13,040   13,040   9,229
2021 6,391   6,391   2,168
Prior 8,492   8,492   9,700
Revolving Loans 6,914   6,914   12,392
Revolving Loans Converted to Term 3,740   3,740   89
Total loans and leases 390,691   390,691   361,735
Nonaccrual loans not formally assessed as "pass" included in risk rated balances         39
YTD gross charge-offs          
2021         (441)
Total       (441) (441)
Construction and Land Development | Pass          
Loans Amortized Cost Basis by Origination Year          
2025 166,023   166,023   199,160
2024 162,356   162,356   74,200
2023 23,530   23,530   51,438
2022 12,990   12,990   6,146
2021 6,211   6,211   2,168
Prior 8,492   8,492   9,562
Revolving Loans 6,914   6,914   12,392
Revolving Loans Converted to Term 3,740   3,740   89
Total loans and leases 390,256   390,256   355,155
Construction and Land Development | Watch          
Loans Amortized Cost Basis by Origination Year          
2025 205   205   2,477
2023         105
2022 50   50   3,015
2021 153   153    
Total loans and leases 408   408   5,597
Construction and Land Development | Special Mention          
Loans Amortized Cost Basis by Origination Year          
2025         515
Total loans and leases         515
Construction and Land Development | Substandard          
Loans Amortized Cost Basis by Origination Year          
2025         262
2022         68
2021 27   27    
Prior         138
Total loans and leases 27   27   468
Commercial and Industrial          
Loans Amortized Cost Basis by Origination Year          
2025 109,989   109,989   131,001
2024 100,699   100,699   128,793
2023 95,753   95,753   134,356
2022 98,366   98,366   47,763
2021 36,773   36,773   17,845
Prior 33,700   33,700   26,979
Revolving Loans 319,022   319,022   285,569
Revolving Loans Converted to Term 449   449   3,314
Total loans and leases 794,751   794,751   775,620
Nonaccrual loans not formally assessed as "pass" included in risk rated balances 1,994   1,994   1,820
YTD gross charge-offs          
2024         (618)
2023     (52)   (235)
2022     (623)    
2021     (200)    
Prior     (174)    
Revolving Loans         (29)
Revolving Loans Converted to Term         (46)
Total (930) (430) (1,049) (853) (928)
Commercial and Industrial | Pass          
Loans Amortized Cost Basis by Origination Year          
2025 109,803   109,803   130,898
2024 99,828   99,828   128,646
2023 95,626   95,626   133,782
2022 98,273   98,273   43,299
2021 35,345   35,345   17,716
Prior 33,700   33,700   26,933
Revolving Loans 310,369   310,369   282,695
Revolving Loans Converted to Term 449   449   3,239
Total loans and leases 783,393   783,393   767,208
Commercial and Industrial | Watch          
Loans Amortized Cost Basis by Origination Year          
2025 11   11   103
2024 864   864   107
2023 96   96   119
2022 93   93   2,807
2021 112   112    
Revolving Loans 8,536   8,536   2,865
Revolving Loans Converted to Term         14
Total loans and leases 9,712   9,712   6,015
Commercial and Industrial | Substandard          
Loans Amortized Cost Basis by Origination Year          
2025 175   175    
2024 7   7   40
2023 31   31   455
2022         1,657
2021 1,316   1,316   129
Prior         46
Revolving Loans 117   117   9
Revolving Loans Converted to Term         61
Total loans and leases 1,646   1,646   2,397
Leases          
Loans Amortized Cost Basis by Origination Year          
2025 17,713   17,713   25,371
2024 18,265   18,265   18,285
2023 11,641   11,641   16,299
2022 10,676   10,676   3,601
2021 1,586   1,586   1,019
Prior 420   420   303
Total loans and leases 60,301   60,301   64,878
Nonaccrual loans not formally assessed as "pass" included in risk rated balances 3,311   3,311   2,433
YTD gross charge-offs          
2025         (74)
2024     (218)   (619)
2023     (194)   (589)
2022     (3)   (1)
2021     (1)   (1)
Prior     (16)   (28)
Total (83) (924) (432) (1,246) (1,312)
Leases | Pass          
Loans Amortized Cost Basis by Origination Year          
2025 17,713   17,713   25,371
2024 18,265   18,265   18,285
2023 11,641   11,641   16,299
2022 10,676   10,676   3,601
2021 1,586   1,586   1,019
Prior 420   420   303
Total loans and leases 60,301   60,301   64,878
Nonaccrual loans not formally assessed as "pass" included in risk rated balances 3,300   3,300   2,400
Consumer and Other          
Loans Amortized Cost Basis by Origination Year          
2025 4,926   4,926   4,400
2024 2,033   2,033   1,932
2023 955   955   922
2022 288   288   387
2021 253   253   284
Prior 409   409   240
Revolving Loans 8,444   8,444   6,024
Total loans and leases 17,308   17,308   14,189
Nonaccrual loans not formally assessed as "pass" included in risk rated balances 52   52   2
YTD gross charge-offs          
2025     (19)   (24)
2024     (87)   (84)
2023     (33)   (61)
2022     (31)   (37)
2021     (19)   (53)
Prior     (70)   (77)
Total (126) $ (72) (259) $ (263) (336)
Consumer and Other | Pass          
Loans Amortized Cost Basis by Origination Year          
2025 4,875   4,875   4,385
2024 2,024   2,024   1,932
2023 955   955   922
2022 287   287   387
2021 253   253   284
Prior 409   409   238
Revolving Loans 8,444   8,444   6,024
Total loans and leases 17,247   17,247   14,172
Consumer and Other | Watch          
Loans Amortized Cost Basis by Origination Year          
2025         4
2024 4   4    
Total loans and leases 4   4   4
Consumer and Other | Substandard          
Loans Amortized Cost Basis by Origination Year          
2025 51   51   11
2024 5   5    
2022 1   1    
Prior         2
Total loans and leases $ 57   $ 57   $ 13