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Note 4 - Loans and Allowance for Credit Losses (Tables)
9 Months Ended
Sep. 30, 2025
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
  

September 30,

  

December 31,

 

(dollars in thousands)

 

2025

  

2024

 

Commercial

        

Commercial and industrial

 $702,135  $666,727 

Commercial real estate

        

Construction, land and development

  349,768   294,677 

Multifamily

  374,761   363,123 

Non-owner occupied

  865,785   967,025 

Owner occupied

  435,320   371,418 

Total commercial real estate

  2,025,634   1,996,243 

Agricultural

        

Land

  65,900   61,299 

Production

  63,051   63,008 

Total agricultural

  128,951   124,307 

Total commercial

  2,856,720   2,787,277 

Consumer

        

Residential real estate

        

First lien

  894,402   921,019 

Construction

  34,124   33,547 

HELOC

  234,681   162,509 

Junior lien

  40,434   44,060 

Total residential real estate

  1,203,641   1,161,135 

Other consumer

  41,714   44,122 

Total consumer

  1,245,355   1,205,257 

Total loans

 $4,102,075  $3,992,534 
Financing Receivable, Allowance for Credit Loss [Table Text Block]
  

Three months ended September 30, 2025

 
  

Beginning

  

Provision for (Recovery

  

Loan

  

Loan

  

Ending

 

(dollars in thousands)

 

Balance

  

of) Credit Losses(1)

  

Charge-offs

  

Recoveries

  

Balance

 

Commercial

                    

Commercial and industrial

 $8,326  $3,270  $(606) $2,415  $13,405 

Commercial real estate

                    

Construction, land and development

  18,529   (1,272)        17,257 

Multifamily

  4,876   (539)        4,337 

Non-owner occupied

  12,919   (2,796)        10,123 

Owner occupied

  3,818   (537)     10   3,291 

Total commercial real estate

  40,142   (5,144)     10   35,008 

Agricultural

                    

Land

  615   384         999 

Production

  623   65         688 

Total agricultural

  1,238   449         1,687 

Total commercial

  49,706   (1,425)  (606)  2,425   50,100 

Consumer

                    

Residential real estate

                    

First lien

  7,059   2,235         9,294 

Construction

  416   (144)        272 

HELOC

  1,358   395   (100)  26   1,679 

Junior lien

  376   63         439 

Total residential real estate

  9,209   2,549   (100)  26   11,684 

Other consumer

  363   12   (34)  2   343 

Total consumer

  9,572   2,561   (134)  28   12,027 

Total

 $59,278  $1,136  $(740) $2,453  $62,127 
  

Nine months ended September 30, 2025

 
  

Beginning

  

Provision for (Recovery

  

Loan

  

Loan

  

Ending

 

(dollars in thousands)

 

Balance

  

of) Credit Losses(1)

  

Charge-offs

  

Recoveries

  

Balance

 

Commercial

                    

Commercial and industrial

 $8,170  $3,276  $(854) $2,813  $13,405 

Commercial real estate

                    

Construction, land and development

  16,277   980         17,257 

Multifamily

  4,716   (379)        4,337 

Non-owner occupied

  16,513   (2,989)  (3,401)     10,123 

Owner occupied

  3,226   37   (4)  32   3,291 

Total commercial real estate

  40,732   (2,351)  (3,405)  32   35,008 

Agricultural

                    

Land

  597   402         999 

Production

  631   429   (384)  12   688 

Total agricultural

  1,228   831   (384)  12   1,687 

Total commercial

  50,130   1,756   (4,643)  2,857   50,100 

Consumer

                    

Residential real estate

                    

First lien

  6,921   2,427   (54)     9,294 

Construction

  357   (85)        272 

HELOC

  1,339   674   (360)  26   1,679 

Junior lien

  742   (3)  (300)     439 

Total residential real estate

  9,359   3,013   (714)  26   11,684 

Other consumer

  440   (112)  (112)  127   343 

Total consumer

  9,799   2,901   (826)  153   12,027 

Total

 $59,929  $4,657  $(5,469) $3,010  $62,127 
  

Three months ended September 30, 2024

 
  

Beginning

  

Provision for (Recovery

  

Loan

  

Loan

  

Ending

 

(dollars in thousands)

 

Balance

  

of) Credit Losses(1)

  

Charge-offs

  

Recoveries

  

Balance

 

Commercial

                    

Commercial and industrial

 $6,234  $660  $(246) $153  $6,801 

Commercial real estate

                    

Construction, land and development

  10,820   (447)        10,373 

Multifamily

  2,430   161         2,591 

Non-owner occupied

  8,772   (260)        8,512 

Owner occupied

  2,280   233   (98)  14   2,429 

Total commercial real estate

  24,302   (313)  (98)  14   23,905 

Agricultural

                    

Land

  259   (2)     20   277 

Production

  185   (3)        182 

Total agricultural

  444   (5)     20   459 

Total commercial

  30,980   342   (344)  187   31,165 

Consumer

                    

Residential real estate

                    

First lien

  5,366   74         5,440 

Construction

  458   (355)        103 

HELOC

  886   68         954 

Junior lien

  314   807         1,121 

Total residential real estate

  7,024   594         7,618 

Other consumer

  328   190   (161)  2   359 

Total consumer

  7,352   784   (161)  2   7,977 

Total

 $38,332  $1,126  $(505) $189  $39,142 
  

Nine months ended September 30, 2024

 
  

Beginning

  

Provision for (Recovery

  

Loan

  

Loan

  

Ending

 

(dollars in thousands)

 

Balance

  

of) Credit Losses(1)

  

Charge-offs

  

Recoveries

  

Balance

 

Commercial

                    

Commercial and industrial

 $9,705  $(159) $(3,140) $395  $6,801 

Commercial real estate

                    

Construction, land and development

  6,135   4,238         10,373 

Multifamily

  1,776   815         2,591 

Non-owner occupied

  7,726   786         8,512 

Owner occupied

  2,449   73   (127)  34   2,429 

Total commercial real estate

  18,086   5,912   (127)  34   23,905 

Agricultural

                    

Land

  96   161      20   277 

Production

  84   98         182 

Total agricultural

  180   259      20   459 

Total commercial

  27,971   6,012   (3,267)  449   31,165 

Consumer

                    

Residential real estate

                    

First lien

  6,087   (647)        5,440 

Construction

  485   (382)        103 

HELOC

  835   119         954 

Junior lien

  264   786   (3)  74   1,121 

Total residential real estate

  7,671   (124)  (3)  74   7,618 

Other consumer

  201   307   (174)  25   359 

Total consumer

  7,872   183   (177)  99   7,977 

Total

 $35,843  $6,195  $(3,444) $548  $39,142 
Financing Receivable Credit Quality Indicators [Table Text Block]
                          

Revolving

     

(dollars in thousands)

 

Term Loans Amortized Cost Basis by Origination Year

  

Loans Amortized

     

As of September 30, 2025

 

2025

  

2024

  

2023

  

2022

  

2021

  

Prior

  

Cost Basis

  

Total

 

Commercial and industrial

                                

Pass

 $159,909  $161,291  $84,573  $47,395  $23,382  $51,156  $134,079  $661,785 

Special mention

  324   10   26      651   44      1,055 

Substandard

  36   1,255   2,946   3,236   195   6,786   12,676   27,130 

Doubtful

  1,218   8,772   1,763   298   114         12,165 

Subtotal

 $161,487  $171,328  $89,308  $50,929  $24,342  $57,986  $146,755  $702,135 

Gross charge-offs for the period ended

 $  $407  $152  $  $5  $290  $  $854 

CRE − Construction, land and development

                                

Pass

 $13,807  $157,432  $110,795  $21,082  $658  $1,117  $5,654  $310,545 

Special mention

           176            176 

Substandard

     10,204      28,378      165   300   39,047 

Doubtful

                        

Subtotal

 $13,807  $167,636  $110,795  $49,636  $658  $1,282  $5,954  $349,768 

Gross charge-offs for the period ended

 $  $  $  $  $  $  $  $ 

CRE − Multifamily

                                

Pass

 $5,158  $26,181  $82,828  $112,681  $32,774  $62,160  $  $321,782 

Special mention

           23,247   826   1,030      25,103 

Substandard

     5,754   3,973         18,149      27,876 

Doubtful

                        

Subtotal

 $5,158  $31,935  $86,801  $135,928  $33,600  $81,339  $  $374,761 

Gross charge-offs for the period ended

 $  $  $  $  $  $  $  $ 

CRE − Non-owner occupied

                                

Pass

 $52,409  $184,088  $151,333  $196,223  $88,658  $173,692  $1,971  $848,374 

Special mention

                 1,053      1,053 

Substandard

        5,390      2,754   8,214      16,358 

Doubtful

                        

Subtotal

 $52,409  $184,088  $156,723  $196,223  $91,412  $182,959  $1,971  $865,785 

Gross charge-offs for the period ended

 $  $  $  $632  $775  $1,994  $  $3,401 

CRE − Owner occupied

                                

Pass

 $36,260  $87,147  $56,121  $62,381  $40,876  $133,091  $1,283  $417,159 

Special mention

  1,691   450            1,456   308   3,905 

Substandard

        1,476   2,907   2,358   7,515      14,256 

Doubtful

                        

Subtotal

 $37,951  $87,597  $57,597  $65,288  $43,234  $142,062  $1,591  $435,320 

Gross charge-offs for the period ended

 $  $  $4  $  $  $  $  $4 

Agricultural − Land

                                

Pass

 $7,878  $8,857  $8,482  $12,545  $5,214  $12,738  $1,902  $57,616 

Special mention

  241         3,372            3,613 

Substandard

        303   3,611      757      4,671 

Doubtful

                        

Subtotal

 $8,119  $8,857  $8,785  $19,528  $5,214  $13,495  $1,902  $65,900 

Gross charge-offs for the period ended

 $  $  $  $  $  $  $  $ 

Agricultural − Production

                                

Pass

 $6,393  $7,240  $5,206  $3,816  $456  $811  $35,233  $59,155 

Special mention

     74   133         538   224   969 

Substandard

     22   546   1,237   28      1,094   2,927 

Doubtful

                        

Subtotal

 $6,393  $7,336  $5,885  $5,053  $484  $1,349  $36,551  $63,051 

Gross charge-offs for the period ended

 $  $  $  $384  $  $  $  $384 

Residential real estate − First lien

                                

Performing

 $44,627  $43,359  $129,319  $213,455  $238,409  $222,546  $  $891,715 

Nonperforming

        512      652   1,523      2,687 

Subtotal

 $44,627  $43,359  $129,831  $213,455  $239,061  $224,069  $  $894,402 

Gross charge-offs for the period ended

 $  $  $  $  $7  $47  $  $54 

Residential real estate − Construction

                                

Performing

 $14,166  $12,335  $  $  $1,036  $  $1,907  $29,444 

Nonperforming

           4,680            4,680 

Subtotal

 $14,166  $12,335  $  $4,680  $1,036  $  $1,907  $34,124 

Gross charge-offs for the period ended

 $  $  $  $  $  $  $  $ 

Residential real estate − HELOC

                                

Performing

 $543  $2,359  $4,230  $5,749  $967  $5,194  $214,426  $233,468 

Nonperforming

        25   1,152      36      1,213 

Subtotal

 $543  $2,359  $4,255  $6,901  $967  $5,230  $214,426  $234,681 

Gross charge-offs for the period ended

 $  $100  $10  $250  $  $  $  $360 

Residential real estate − Junior lien

                                

Performing

 $4,045  $5,990  $10,267  $7,752  $4,464  $5,476  $50  $38,044 

Nonperforming

     1,775            615      2,390 

Subtotal

 $4,045  $7,765  $10,267  $7,752  $4,464  $6,091  $50  $40,434 

Gross charge-offs for the period ended

 $  $  $  $300  $  $  $  $300 

Other consumer

                                

Performing

 $4,668  $3,212  $3,071  $3,456  $228  $4,071  $22,951  $41,657 

Nonperforming

     4            53      57 

Subtotal

 $4,668  $3,216  $3,071  $3,456  $228  $4,124  $22,951  $41,714 

Gross charge-offs for the period ended

 $  $9  $31  $22  $  $50  $  $112 

Total loans

 $353,373  $727,811  $663,318  $758,829  $444,700  $719,986  $434,058  $4,102,075 

Gross charge-offs for the period ended

 $  $516  $197  $1,588  $787  $2,381  $  $5,469 
                          

Revolving

     

(dollars in thousands)

 

Term Loans Amortized Cost Basis by Origination Year

  

Loans Amortized

     

As of December 31, 2024

 

2024

  

2023

  

2022

  

2021

  

2020

  

Prior

  

Cost Basis

  

Total

 

Commercial and industrial

                                

Pass

 $209,001  $141,028  $61,254  $34,645  $38,342  $36,136  $111,194  $631,600 

Special mention

  1,367   495   3,286   2,239   5,575   1   1,651   14,614 

Substandard

     12,663   220   780   3,154   2,447   1,198   20,462 

Doubtful

                 51      51 

Subtotal

 $210,368  $154,186  $64,760  $37,664  $47,071  $38,635  $114,043  $666,727 

Gross charge-offs for the year ended

 $  $218  $2  $397  $2,768  $342  $  $3,727 

CRE − Construction, land and development

                                

Pass

 $97,244  $112,845  $40,890  $1,560  $517  $1,187  $2,801  $257,044 

Special mention

        172               172 

Substandard

  5,406      31,585         170   300   37,461 

Doubtful

                        

Subtotal

 $102,650  $112,845  $72,647  $1,560  $517  $1,357  $3,101  $294,677 

Gross charge-offs for the year ended

 $  $  $  $  $  $  $  $ 

CRE − Multifamily

                                

Pass

 $35,112  $62,982  $138,698  $33,782  $33,157  $32,204  $  $335,935 

Special mention

        7,644   272   1,241         9,157 

Substandard

              17,732   299      18,031 

Doubtful

                        

Subtotal

 $35,112  $62,982  $146,342  $34,054  $52,130  $32,503  $  $363,123 

Gross charge-offs for the year ended

 $  $  $  $  $  $  $  $ 

CRE − Non-owner occupied

                                

Pass

 $189,068  $149,368  $223,349  $98,309  $71,432  $188,617  $1,709  $921,852 

Special mention

        1,694   8,603      4,148   4,195   18,640 

Substandard

           7,767   6,347   12,419      26,533 

Doubtful

                        

Subtotal

 $189,068  $149,368  $225,043  $114,679  $77,779  $205,184  $5,904  $967,025 

Gross charge-offs for the year ended

 $  $  $  $  $  $  $  $ 

CRE − Owner occupied

                                

Pass

 $63,721  $41,918  $60,788  $44,957  $38,941  $91,804  $1,652  $343,781 

Special mention

  451         937   2,981   2,735      7,104 

Substandard

     311   3,023   2,694      13,538   967   20,533 

Doubtful

                        

Subtotal

 $64,172  $42,229  $63,811  $48,588  $41,922  $108,077  $2,619  $371,418 

Gross charge-offs for the year ended

 $  $12  $97  $  $  $128  $  $237 

Agricultural − Land

                                

Pass

 $10,496  $8,864  $14,369  $5,840  $5,103  $8,473  $120  $53,265 

Special mention

  69   1,612   3,275               4,956 

Substandard

     303   2,166      609         3,078 

Doubtful

                        

Subtotal

 $10,565  $10,779  $19,810  $5,840  $5,712  $8,473  $120  $61,299 

Gross charge-offs for the year ended

 $  $  $  $  $  $  $  $ 

Agricultural − Production

                                

Pass

 $10,445  $6,440  $4,356  $724  $1,121  $582  $34,527  $58,195 

Special mention

  130   704         420      1,518   2,772 

Substandard

        1,987         54      2,041 

Doubtful

                        

Subtotal

 $10,575  $7,144  $6,343  $724  $1,541  $636  $36,045  $63,008 

Gross charge-offs for the year ended

 $  $  $  $  $  $26  $  $26 

Residential real estate − First lien

                                

Performing

 $49,414  $144,460  $226,993  $251,006  $127,200  $118,958  $  $918,031 

Nonperforming

     576      744   12   1,656      2,988 

Subtotal

 $49,414  $145,036  $226,993  $251,750  $127,212  $120,614  $  $921,019 

Gross charge-offs for the year ended

 $  $  $  $  $  $  $  $ 

Residential real estate − Construction

                                

Performing

 $19,229  $6,449  $1,900  $1,289  $  $  $  $28,867 

Nonperforming

        4,680               4,680 

Subtotal

 $19,229  $6,449  $6,580  $1,289  $  $  $  $33,547 

Gross charge-offs for the year ended

 $  $  $  $  $  $  $  $ 

Residential real estate − HELOC

                                

Performing

 $3,290  $5,558  $6,217  $1,622  $939  $2,717  $140,707  $161,050 

Nonperforming

     35            74   1,350   1,459 

Subtotal

 $3,290  $5,593  $6,217  $1,622  $939  $2,791  $142,057  $162,509 

Gross charge-offs for the year ended

 $  $  $  $  $  $19  $  $19 

Residential real estate − Junior lien

                                

Performing

 $7,762  $11,557  $9,553  $4,990  $2,760  $4,178  $50  $40,850 

Nonperforming

  1,775      300   108      1,027      3,210 

Subtotal

 $9,537  $11,557  $9,853  $5,098  $2,760  $5,205  $50  $44,060 

Gross charge-offs for the year ended

 $  $  $  $  $  $638  $  $638 

Other consumer

                                

Performing

 $9,618  $4,695  $4,853  $502  $2,541  $4,069  $17,505  $43,783 

Nonperforming

     11   272      7   49      339 

Subtotal

 $9,618  $4,706  $5,125  $502  $2,548  $4,118  $17,505  $44,122 

Gross charge-offs for the year ended

 $  $8  $3  $150  $4  $21  $  $186 

Total loans

 $713,598  $712,874  $853,524  $503,370  $360,131  $527,593  $321,444  $3,992,534 

Gross charge-offs for the year ended

 $  $238  $102  $547  $2,772  $1,174  $  $4,833 
Financing Receivable, Past Due [Table Text Block]
  

September 30, 2025

 
              

90 Days

         
  

Accruing

  

30 - 59 Days

  

60 - 89 Days

  

or More

      

Total

 

(dollars in thousands)

 

Current

  

Past Due

  

Past Due

  

Past Due

  

Nonaccrual

  

Loans

 

Commercial

                        

Commercial and industrial

 $689,204  $741  $  $  $12,190  $702,135 

Commercial real estate

                        

Construction, land and development

  318,453            31,315   349,768 

Multifamily

  370,027      3,973      761   374,761 

Non-owner occupied

  864,092            1,693   865,785 

Owner occupied

  433,336   567         1,417   435,320 

Total commercial real estate

  1,985,908   567   3,973      35,186   2,025,634 

Agricultural

                        

Land

  65,198            702   65,900 

Production

  62,184   329         538   63,051 

Total agricultural

  127,382   329         1,240   128,951 

Total commercial

  2,802,494   1,637   3,973      48,616   2,856,720 

Consumer

                        

Residential real estate

                        

First lien

  890,793   797   125      2,687   894,402 

Construction

  29,444            4,680   34,124 

HELOC

  233,127   320   21      1,213   234,681 

Junior lien

  37,947   96         2,391   40,434 

Total residential real estate

  1,191,311   1,213   146      10,971   1,203,641 

Other consumer

  41,270   33   354      57   41,714 

Total consumer

  1,232,581   1,246   500      11,028   1,245,355 

Total

 $4,035,075  $2,883  $4,473  $  $59,644  $4,102,075 
  

December 31, 2024

 
              

90 Days

         
  

Accruing

  

30 - 59 Days

  

60 - 89 Days

  

or More

      

Total

 

(dollars in thousands)

 

Current

  

Past Due

  

Past Due

  

Past Due

  

Nonaccrual

  

Loans

 

Commercial

                        

Commercial and industrial

 $654,073  $903  $133  $8,400  $3,218  $666,727 

Commercial real estate

                        

Construction, land and development

  264,633            30,044   294,677 

Multifamily

  363,123               363,123 

Non-owner occupied

  961,808            5,217   967,025 

Owner occupied

  369,176   225         2,017   371,418 

Total commercial real estate

  1,958,740   225         37,278   1,996,243 

Agricultural

                        

Land

  60,690            609   61,299 

Production

  62,269   87         652   63,008 

Total agricultural

  122,959   87         1,261   124,307 

Total commercial

  2,735,772   1,215   133   8,400   41,757   2,787,277 

Consumer

                        

Residential real estate

                        

First lien

  915,167   2,104   707   53   2,988   921,019 

Construction

  28,867            4,680   33,547 

HELOC

  160,430   169   450      1,460   162,509 

Junior lien

  40,454   396         3,210   44,060 

Total residential real estate

  1,144,918   2,669   1,157   53   12,338   1,161,135 

Other consumer

  43,651   103   30      338   44,122 

Total consumer

  1,188,569   2,772   1,187   53   12,676   1,205,257 

Total

 $3,924,341  $3,987  $1,320  $8,453  $54,433  $3,992,534 
Financing Receivable, Nonaccrual [Table Text Block]
  

As of September 30, 2025

 
          

90 Days

 
  

Nonaccrual

      

or More

 
  

with no Allowance

      

Past Due

 

(dollars in thousands)

 

for Credit Losses

  

Nonaccrual

  

and Accruing

 

Commercial

            

Commercial and industrial

 $  $12,190  $ 

Commercial real estate

            

Construction, land and development

  24,576   31,315    

Multifamily

  761   761    

Non-owner occupied

  1,693   1,693    

Owner occupied

  1,287   1,417    

Total commercial real estate

  28,317   35,186    

Agricultural

            

Land

  702   702    

Production

  538   538    

Total agricultural

  1,240   1,240    

Total commercial

  29,557   48,616    

Consumer

            

Residential real estate

            

First lien

  2,575   2,687    

Construction

  4,680   4,680    

HELOC

  1,100   1,213    

Junior lien

  2,305   2,391    

Total residential real estate

  10,660   10,971    

Other consumer

     57    

Total consumer

  10,660   11,028    

Total

 $40,217  $59,644  $ 
  

December 31, 2024

 
          

90 Days

 
  

Nonaccrual

      

or More

 
  

with no Allowance

      

Past Due

 

(dollars in thousands)

 

for Credit Losses

  

Nonaccrual

  

and Accruing

 

Commercial

            

Commercial and industrial

 $2,952  $3,218  $8,400 

Commercial real estate

            

Construction, land and development

  24,638   30,044    

Multifamily

         

Non-owner occupied

  5,217   5,217    

Owner occupied

  1,706   2,017    

Total commercial real estate

  31,561   37,278    

Agricultural

            

Land

  609   609    

Production

  652   652    

Total agricultural

  1,261   1,261    

Total commercial

  35,774   41,757   8,400 

Consumer

            

Residential real estate

            

First lien

  2,614   2,988   53 

Construction

  4,680   4,680    

HELOC

     1,460    

Junior lien

  2,696   3,210    

Total residential real estate

  9,990   12,338   53 

Other consumer

     338    

Total consumer

  9,990   12,676   53 

Total

 $45,764  $54,433  $8,453 
Financing Receivable, Collateral Dependant [Table Text Block]
  

As of September 30, 2025

 
  

Primary Type of Collateral

 
                  

Allowance for

 

(dollars in thousands)

 

Real estate

  

Equipment

  

Other

  

Total

  

Credit Losses

 

Commercial

                    

Commercial and industrial

 $  $  $  $  $ 

Commercial real estate

                    

Construction, land and development

  31,315         31,315   4,984 

Multifamily

  761         761    

Non-owner occupied

  1,693         1,693    

Owner occupied

  1,341         1,341   4 

Total commercial real estate

  35,110         35,110   4,988 

Agricultural

                    

Land

  702         702    

Production

  538         538    

Total agricultural

  1,240         1,240    

Total commercial

  36,350         36,350   4,988 

Consumer

                    

Residential real estate

                    

First lien

  2,585         2,585   3 

Construction

  4,680         4,680    

HELOC

  1,100         1,100    

Junior lien

  2,305         2,305    

Total residential real estate

  10,670         10,670   3 

Other consumer

               

Total consumer

  10,670         10,670   3 

Total

 $47,020  $  $  $47,020  $4,991 
  

As of December 31, 2024

 
  

Primary Type of Collateral

 
                  

Allowance for

 

(dollars in thousands)

 

Real estate

  

Equipment

  

Other

  

Total

  

Credit Losses

 

Commercial

                    

Commercial and industrial

 $2,885  $275  $  $3,160  $4 

Commercial real estate

                    

Construction, land and development

  30,044         30,044   4,984 

Multifamily

               

Non-owner occupied

  5,217         5,217    

Owner occupied

  1,936         1,936   9 

Total commercial real estate

  37,197         37,197   4,993 

Agricultural

                    

Land

  609         609    

Production

     652      652    

Total agricultural

  609   652      1,261    

Total commercial

  40,691   927      41,618   4,997 

Consumer

                    

Residential real estate

                    

First lien

  2,514         2,514   7 

Construction

  4,680         4,680    

HELOC

  1,366         1,366   252 

Junior lien

  3,105         3,105   330 

Total residential real estate

  11,665         11,665   589 

Other consumer

        289   289   50 

Total consumer

  11,665      289   11,954   639 

Total

 $52,356  $927  $289  $53,572  $5,636 
Financing Receivable, Modified [Table Text Block]
  

Nine months ended September 30, 2025

 
                  

Combination Term

  

Combination Term

     
  

Interest Rate

  

Principal

  

Term

  

Payment

  

Extension and

  

Extension and Interest

  

Total %

 

(dollars in thousands)

 

Reduction

  

Forgiveness

  

Extension

  

Delay

  

Principal Forgiveness

  

Rate Reduction

  

of Portfolio

 

Agricultural − Land

 $  $  $  $1,463  $  $   2.2%