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Loans (Tables) | 12 Months Ended
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Dec. 31, 2024
Receivables [Abstract] |
Schedule of Loan Balances | Loan balances at year end were as follows:
|  | 2024 |  |  | 2023 |
(In Thousands of Dollars) |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |
Owner occupied |  | $ | 391,302 |  |  | $ | 399,273 |
Non-owner occupied |  |  | 695,699 |  |  |  | 712,315 |
Farmland |  |  | 206,786 |  |  |  | 202,950 |
Other |  |  | 295,713 |  |  |  | 224,218 |
Commercial |  |  |  |  |  |
Commercial and industrial |  |  | 349,966 |  |  |  | 346,354 |
Agricultural |  |  | 55,606 |  |  |  | 58,338 |
Residential real estate |  |  |  |  |  |
1-4 family residential |  |  | 845,081 |  |  |  | 843,697 |
Home equity lines of credit |  |  | 158,014 |  |  |  | 142,441 |
Consumer |  |  |  |  |  |
Indirect |  |  | 232,822 |  |  |  | 226,815 |
Direct |  |  | 19,143 |  |  |  | 23,805 |
Other |  |  | 7,989 |  |  |  | 9,164 |
Total originated loans |  | $ | 3,258,121 |  |  | $ | 3,189,370 |
Net deferred loan costs |  |  | 10,225 |  |  |  | 8,757 |
Allowance for credit losses |  |  | (35,863 | ) |  |  | (34,440 | )
Net loans |  | $ | 3,232,483 |  |  | $ | 3,163,687 |
Activity in the Allowance for Loan Losses by Portfolio Segment | The following tables present the activity in the allowance for credit losses by portfolio segment for years ended December 31, 2024, 2023 and 2022:
December 31, 2024 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Total |
(In Thousands of Dollars) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 18,150 |  |  | $ | 5,087 |  |  | $ | 6,916 |  |  | $ | 4,287 |  |  | $ | 34,440 |
Provision for credit losses |  |  | 5,706 |  |  |  | 763 |  |  |  | 333 |  |  |  | 1,442 |  |  |  | 8,244 |
Loans charged off |  |  | (4,619 | ) |  |  | (1,742 | ) |  |  | (155 | ) |  |  | (1,471 | ) |  |  | (7,987 | )
Recoveries |  |  | 22 |  |  |  | 520 |  |  |  | 177 |  |  |  | 447 |  |  |  | 1,166 |
Total ending allowance balance |  | $ | 19,259 |  |  | $ | 4,628 |  |  | $ | 7,271 |  |  | $ | 4,705 |  |  | $ | 35,863 |
December 31, 2023 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Total |
(In Thousands of Dollars) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 14,840 |  |  | $ | 4,186 |  |  | $ | 4,374 |  |  | $ | 3,578 |  |  | $ | 26,978 |
PCD ACL on loans acquired |  |  | 850 |  |  |  | 138 |  |  |  | 11 |  |  |  | 0 |  |  |  | 999 |
Provision for credit losses |  |  | 2,808 |  |  |  | 1,931 |  |  |  | 2,834 |  |  |  | 1,145 |  |  |  | 8,718 |
Loans charged off |  |  | (349 | ) |  |  | (1,272 | ) |  |  | (384 | ) |  |  | (932 | ) |  |  | (2,937 | )
Recoveries |  |  | 1 |  |  |  | 104 |  |  |  | 81 |  |  |  | 496 |  |  |  | 682 |
Total ending allowance balance |  | $ | 18,150 |  |  | $ | 5,087 |  |  | $ | 6,916 |  |  | $ | 4,287 |  |  | $ | 34,440 |
December 31, 2022 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Total |
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 15,879 |  |  | $ | 4,949 |  |  | $ | 4,870 |  |  | $ | 3,688 |  |  | $ | 29,386 |
Provision for credit losses |  |  | (742 | ) |  |  | 1,204 |  |  |  | (493 | ) |  |  | 281 |  |  |  | 250 |
Loans charged off |  |  | (300 | ) |  |  | (2,042 | ) |  |  | (92 | ) |  |  | (870 | ) |  |  | (3,304 | )
Recoveries |  |  | 3 |  |  |  | 75 |  |  |  | 89 |  |  |  | 479 |  |  |  | 646 |
Total ending allowance balance |  | $ | 14,840 |  |  | $ | 4,186 |  |  | $ | 4,374 |  |  | $ | 3,578 |  |  | $ | 26,978 |
Schedule of Amortized Cost Basis in Nonaccrual and Loans Past Due 90 Days or More Still on Accrual by Class of Loans | The following tables present the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of December 31, 2024 and December 31, 2023:
(In Thousands of Dollars) |  | Nonaccrual with no allowance for credit loss |  |  | Nonaccrual with an allowance for credit loss |  |  | Loans past due over 89 days still accruing |
December 31, 2024 |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 0 |  |  | $ | 937 |  |  | $ | 0 |
Non-owner occupied |  |  | 0 |  |  |  | 8,105 |  |  |  | 0 |
Farmland |  |  | 1,757 |  |  |  | 3 |  |  |  | 0 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 525 |
Commercial |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 145 |  |  |  | 3,713 |  |  |  | 0 |
Agricultural |  |  | 177 |  |  |  | 183 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 513 |  |  |  | 3,967 |  |  |  | 90 |
Home equity lines of credit |  |  | 94 |  |  |  | 409 |  |  |  | 0 |
Consumer |  |  |  |  |  |  |  |  |
Indirect |  |  | 37 |  |  |  | 463 |  |  |  | 0 |
Direct |  |  | 66 |  |  |  | 34 |  |  |  | 0 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total loans |  | $ | 2,789 |  |  | $ | 17,814 |  |  | $ | 615 |
Schedule of Amortized Cost Basis in Past Due Loans | The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2024 and December 31, 2023:
(In Thousands of Dollars) |  | Real Estate |  |  | Business Assets |  |  | Vehicles |  |  | Cash |
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Non-owner occupied |  |  | 8,119 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Farmland |  |  | 1,757 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 0 |  |  |  | 2,591 |  |  |  | 0 |  |  |  | 0 |
Agricultural |  |  | 0 |  |  |  | 177 |  |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 3,573 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Home equity lines of credit |  |  | 264 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 0 |  |  |  | 0 |  |  |  | 70 |  |  |  | 0 |
Direct |  |  | 0 |  |  |  | 0 |  |  |  | 9 |  |  |  | 66 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total loans |  | $ | 13,713 |  |  | $ | 2,768 |  |  | $ | 79 |  |  | $ | 66 |
(In Thousands of Dollars) |  | Real Estate |  |  | Business Assets |  |  | Vehicles |  |  | Cash |
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 1,804 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Non-owner occupied |  |  | 1,335 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Farmland |  |  | 1,957 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 94 |  |  |  | 867 |  |  |  | 0 |  |  |  | 0 |
Agricultural |  |  | 0 |  |  |  | 203 |  |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 3,352 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Home equity lines of credit |  |  | 294 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 0 |  |  |  | 0 |  |  |  | 53 |  |  |  | 0 |
Direct |  |  | 0 |  |  |  | 0 |  |  |  | 19 |  |  |  | 66 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total loans |  | $ | 8,836 |  |  | $ | 1,070 |  |  | $ | 72 |  |  | $ | 66 |
The following tables present the aging of the amortized cost basis in past due loans as of December 31, 2024 and 2023 by class of loans:
December 31, 2024 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days or More Past Due and Nonaccrual |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
(In Thousands of Dollars) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 95 |  |  | $ | 446 |  |  | $ | 937 |  |  | $ | 1,478 |  |  | $ | 389,630 |  |  | $ | 391,108 |
Non-owner occupied |  |  | 15 |  |  |  | 52 |  |  |  | 8,105 |  |  |  | 8,172 |  |  |  | 687,112 |  |  |  | 695,284 |
Farmland |  |  | 53 |  |  |  | 0 |  |  |  | 1,760 |  |  |  | 1,813 |  |  |  | 204,787 |  |  |  | 206,600 |
Other |  |  | 0 |  |  |  | 113 |  |  |  | 525 |  |  |  | 638 |  |  |  | 294,543 |  |  |  | 295,181 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 941 |  |  |  | 324 |  |  |  | 3,858 |  |  |  | 5,123 |  |  |  | 346,410 |  |  |  | 351,533 |
Agricultural |  |  | 284 |  |  |  | 26 |  |  |  | 360 |  |  |  | 670 |  |  |  | 55,759 |  |  |  | 56,429 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 6,688 |  |  |  | 1,943 |  |  |  | 4,570 |  |  |  | 13,201 |  |  |  | 832,338 |  |  |  | 845,539 |
Home equity lines of credit |  |  | 104 |  |  |  | 0 |  |  |  | 503 |  |  |  | 607 |  |  |  | 157,532 |  |  |  | 158,139 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 1,385 |  |  |  | 473 |  |  |  | 500 |  |  |  | 2,358 |  |  |  | 238,997 |  |  |  | 241,355 |
Direct |  |  | 59 |  |  |  | 30 |  |  |  | 100 |  |  |  | 189 |  |  |  | 18,996 |  |  |  | 19,185 |
Other |  |  | 0 |  |  |  | 1 |  |  |  | 0 |  |  |  | 1 |  |  |  | 7,992 |  |  |  | 7,993 |
Total loans |  | $ | 9,624 |  |  | $ | 3,408 |  |  | $ | 21,218 |  |  | $ | 34,250 |  |  | $ | 3,234,096 |  |  | $ | 3,268,346 |
December 31, 2023 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days or More Past Due and Nonaccrual |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 302 |  |  | $ | 293 |  |  | $ | 2,634 |  |  | $ | 3,229 |  |  | $ | 395,799 |  |  | $ | 399,028 |
Non-owner occupied |  |  | 90 |  |  |  | 0 |  |  |  | 1,510 |  |  |  | 1,600 |  |  |  | 710,195 |  |  |  | 711,795 |
Farmland |  |  | 365 |  |  |  | 0 |  |  |  | 1,966 |  |  |  | 2,331 |  |  |  | 200,395 |  |  |  | 202,726 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 80 |  |  |  | 80 |  |  |  | 223,697 |  |  |  | 223,777 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 540 |  |  |  | 199 |  |  |  | 1,802 |  |  |  | 2,541 |  |  |  | 345,278 |  |  |  | 347,819 |
Agricultural |  |  | 292 |  |  |  | 40 |  |  |  | 520 |  |  |  | 852 |  |  |  | 58,223 |  |  |  | 59,075 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 6,819 |  |  |  | 4,488 |  |  |  | 3,817 |  |  |  | 15,124 |  |  |  | 828,437 |  |  |  | 843,561 |
Home equity lines of credit |  |  | 729 |  |  |  | 34 |  |  |  | 519 |  |  |  | 1,282 |  |  |  | 141,189 |  |  |  | 142,471 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 2,045 |  |  |  | 289 |  |  |  | 447 |  |  |  | 2,781 |  |  |  | 232,105 |  |  |  | 234,886 |
Direct |  |  | 153 |  |  |  | 23 |  |  |  | 135 |  |  |  | 311 |  |  |  | 23,514 |  |  |  | 23,825 |
Other |  |  | 4 |  |  |  | 0 |  |  |  | 5 |  |  |  | 9 |  |  |  | 9,155 |  |  |  | 9,164 |
Total loans: |  | $ | 11,339 |  |  | $ | 5,366 |  |  | $ | 13,435 |  |  | $ | 30,140 |  |  | $ | 3,167,987 |  |  | $ | 3,198,127 |
Schedule of Amortized Cost Basis for Loans Restructured |
December 31, 2024 |  | Amortized Cost |  |  |  |
(In Thousands of Dollars) |  | Term Extension |  |  | Interest Rate Reduction |  |  | Combination Term Extension and Interest Rate Reduction |  |  | Total |  |  | % of Total Class of Financing Receivable |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit |  | $ | 0 |  |  | $ | 29 |  |  | $ | 19 |  |  | $ | 48 |  |  |  | 0.03 | %
Total modifications to borrowers experiencing financial difficulty |  | $ | 0 |  |  | $ | 29 |  |  | $ | 19 |  |  | $ | 48 |  |  |  | 0.00 | %
December 31, 2023 |  | Amortized Cost |  |  |  |
(In Thousands of Dollars) |  | Term Extension |  |  | Interest Rate Reduction |  |  | Combination Term Extension and Interest Rate Reduction |  |  | Total |  |  | % of Total Class of Financing Receivable |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  | $ | 48 |  |  | $ | 30 |  |  | $ | 132 |  |  | $ | 210 |  |  |  | 0.03 | %
Total modifications to borrowers experiencing financial difficulty |  | $ | 48 |  |  | $ | 30 |  |  | $ | 132 |  |  | $ | 210 |  |  |  | 0.01 | %
The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the twelve months ended December 31, 2024 and December 31, 2023:
|  | Payment Deferral |  | Interest Rate Reduction |  |  | Term Extension |
|  | Weighted-Average Years Added to the Life |  | Weighted-Average Contractual Interest Rate |  |  | Weighted-Average Years Added to the Life |
December 31, 2024 |  |  |  | From |  |  | To |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit |  |  |  |  |  |  | 10.45 | % |  |  | 5.91 | % |  |  |  |  | 10 |
|  | Payment Deferral |  | Interest Rate Reduction |  |  | Term Extension |
|  | Weighted-Average Years Added to the Life |  | Weighted-Average Contractual Interest Rate |  |  | Weighted-Average Years Added to the Life |
December 31, 2023 |  |  |  | From |  |  | To |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  |  |  |  |  | 4.77 | % |  |  | 3.38 | % |  |  |  |  | 6.3 |
The following table presents the amortized cost basis of loans that had a payment default during the year ended December 31, 2024 and December 31, 2023 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty. For purposes of this disclosure a default occurs when within 12 months of the original modification, a loan is 30 days contractually past due under the modified terms:
December 31, 2024 |  | Amortized Cost |
(In Thousands of Dollars) |  | Term Extension |  |  | Interest Rate Reduction |  |  | Combination Term Extension and Interest Rate Reduction |
Residential real estate |  |  |  |  |  |  |  |  |
Home equity lines of credit |  |  | 0 |  |  |  | 29 |  |  |  | 19 |
Total modifications to borrowers experiencing financial difficulty |  | $ | 0 |  |  | $ | 29 |  |  | $ | 19 |
December 31, 2023 |  | Amortized Cost |
(In Thousands of Dollars) |  | Term Extension |  |  | Interest Rate Reduction |  |  | Combination Term Extension and Interest Rate Reduction |
Residential real estate |  |  |  |  |  |  |  |  |
1-4 family residential |  | $ | 0 |  |  | $ | 30 |  |  | $ | 0 |
Total modifications to borrowers experiencing financial difficulty |  | $ | 0 |  |  | $ | 30 |  |  | $ | 0 |
Schedule of Performance of Loans that Modified | The following tables present the performance of such loans that have been modified in the twelve months ended December 31, 2024 and December 31, 2023:
December 31, 2024 |  | Payment status (Amortized cost Basis) |
(In Thousands of Dollars) |  | Current |  |  | 30-89 Days past due |  |  | 90+ Days past due |
Accrual restructured loans |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |
Home equity lines of credit |  | $ | 0 |  |  | $ | 19 |  |  | $ | 0 |
Total accruing restructured loans |  | $ | 0 |  |  | $ | 19 |  |  | $ | 0 |
Nonaccrual restructured loans |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |
Home equity lines of credit |  | $ | 0 |  |  | $ | 0 |  |  | $ | 29 |
Total nonaccrual restructured loans |  | $ | 0 |  |  | $ | 0 |  |  | $ | 29 |
Total restructured loans |  | $ | 0 |  |  | $ | 19 |  |  | $ | 29 |
December 31, 2023 |  | Payment status (Amortized cost Basis) |
(In Thousands of Dollars) |  | Current |  |  | 30-89 Days past due |  |  | 90+ Days past due |
Accrual restructured loans |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |
1-4 family residential |  | $ | 132 |  |  | $ | 30 |  |  | $ | 0 |
Total accruing restructured loans |  | $ | 132 |  |  | $ | 30 |  |  | $ | 0 |
Nonaccrual restructured loans |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |
1-4 family residential |  | $ | 48 |  |  | $ | 0 |  |  | $ | 0 |
Total nonaccrual restructured loans |  | $ | 48 |  |  | $ | 0 |  |  | $ | 0 |
Total restructured loans |  | $ | 180 |  |  | $ | 30 |  |  | $ | 0 |
Risk Category of Loans by Class of Loans | Based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
December 31, 2024 |  | Pass |  |  | Special Mention |  |  | Sub standard |  |  | Doubtful |  |  | Total |
(In Thousands of Dollars) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 383,556 |  |  | $ | 4,865 |  |  | $ | 2,687 |  |  | $ | 0 |  |  | $ | 391,108 |
Non-owner occupied |  |  | 642,542 |  |  |  | 18,127 |  |  |  | 33,781 |  |  |  | 834 |  |  |  | 695,284 |
Farmland |  |  | 204,348 |  |  |  | 0 |  |  |  | 2,252 |  |  |  | 0 |  |  |  | 206,600 |
Other |  |  | 285,119 |  |  |  | 10,030 |  |  |  | 32 |  |  |  | 0 |  |  |  | 295,181 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 340,580 |  |  |  | 462 |  |  |  | 10,491 |  |  |  | 0 |  |  |  | 351,533 |
Agricultural |  |  | 56,005 |  |  |  | 61 |  |  |  | 363 |  |  |  | 0 |  |  |  | 56,429 |
Total loans |  | $ | 1,912,150 |  |  | $ | 33,545 |  |  | $ | 49,606 |  |  | $ | 834 |  |  | $ | 1,996,135 |
December 31, 2023 |  | Pass |  |  | Special Mention |  |  | Sub standard |  |  | Total |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 386,015 |  |  | $ | 9,628 |  |  | $ | 3,385 |  |  | $ | 399,028 |
Non-owner occupied |  |  | 648,063 |  |  |  | 27,938 |  |  |  | 35,794 |  |  |  | 711,795 |
Farmland |  |  | 200,240 |  |  |  | 0 |  |  |  | 2,486 |  |  |  | 202,726 |
Other |  |  | 215,459 |  |  |  | 0 |  |  |  | 8,318 |  |  |  | 223,777 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 334,764 |  |  |  | 646 |  |  |  | 12,409 |  |  |  | 347,819 |
Agricultural |  |  | 58,506 |  |  |  | 17 |  |  |  | 552 |  |  |  | 59,075 |
Total loans |  | $ | 1,843,047 |  |  | $ | 38,229 |  |  | $ | 62,944 |  |  | $ | 1,944,220 |
Investment in Residential, Consumer and Indirect Auto Loans Based on Payment Activity | The following table presents the amortized cost in residential, consumer and indirect auto loans based on payment activity. Nonperforming loans are loans past due 90 days and still accruing interest and nonaccrual loans.
|  | Residential Real Estate |  |  | Consumer |
December 31, 2024 |  | 1-4 Family Residential |  |  | Home Equity Lines of Credit |  |  | Indirect |  |  | Direct |  |  | Other |
(In Thousands of Dollars) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 840,969 |  |  | $ | 157,636 |  |  | $ | 240,855 |  |  | $ | 19,085 |  |  | $ | 7,993 |
Nonperforming |  |  | 4,570 |  |  |  | 503 |  |  |  | 500 |  |  |  | 100 |  |  |  | 0 |
Total loans |  | $ | 845,539 |  |  | $ | 158,139 |  |  | $ | 241,355 |  |  | $ | 19,185 |  |  | $ | 7,993 |
|  | Residential Real Estate |  |  | Consumer |
December 31, 2023 |  | 1-4 Family Residential |  |  | Home Equity Lines of Credit |  |  | Indirect |  |  | Direct |  |  | Other |
Performing |  | $ | 839,744 |  |  | $ | 141,952 |  |  | $ | 234,439 |  |  | $ | 23,690 |  |  | $ | 9,159 |
Nonperforming |  |  | 3,817 |  |  |  | 519 |  |  |  | 447 |  |  |  | 135 |  |  |  | 5 |
Total loans |  | $ | 843,561 |  |  | $ | 142,471 |  |  | $ | 234,886 |  |  | $ | 23,825 |  |  | $ | 9,164 |
Risk Categories and Year of Origination | The following tables present total loans by risk categories and year of origination.
|  | Term Loans Amortized Cost Basis by Origination Year |
As of December 31, 2024 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Commercial real estate - Owner occupied: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 45,588 |  |  | $ | 56,389 |  |  | $ | 46,323 |  |  | $ | 60,179 |  |  | $ | 45,428 |  |  | $ | 127,665 |  |  | $ | 1,984 |  |  | $ | 383,556 |
Special mention |  |  | 0 |  |  |  | 3,228 |  |  |  | 0 |  |  |  | 1,118 |  |  |  | 0 |  |  |  | 519 |  |  |  | 0 |  |  |  | 4,865 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 659 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,962 |  |  |  | 66 |  |  |  | 2,687 |
Total commercial real estate - Owner occupied loans |  | $ | 45,588 |  |  | $ | 59,617 |  |  | $ | 46,982 |  |  | $ | 61,297 |  |  | $ | 45,428 |  |  | $ | 130,146 |  |  | $ | 2,050 |  |  | $ | 391,108 |
Commercial real estate - Owner Occupied: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 72 |  |  | $ | 0 |  |  | $ | 21 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 93 |
Commercial real estate - Non-owner occupied: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 61,974 |  |  | $ | 44,323 |  |  | $ | 125,547 |  |  | $ | 78,933 |  |  | $ | 71,322 |  |  | $ | 251,465 |  |  | $ | 8,978 |  |  | $ | 642,542 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 6,284 |  |  |  | 313 |  |  |  | 1,356 |  |  |  | 10,024 |  |  |  | 150 |  |  |  | 18,127 |
Substandard |  |  | 7,065 |  |  |  | 407 |  |  |  | 0 |  |  |  | 11,249 |  |  |  | 7,129 |  |  |  | 7,931 |  |  |  | 0 |  |  |  | 33,781 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 834 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 834 |
Total commercial real estate - Non-owner occupied loans |  | $ | 69,039 |  |  | $ | 44,730 |  |  | $ | 131,831 |  |  | $ | 91,329 |  |  | $ | 79,807 |  |  | $ | 269,420 |  |  | $ | 9,128 |  |  | $ | 695,284 |
Commercial real estate - Non-owner occupied: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 4,380 |  |  | $ | 146 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 4,526 |
Commercial real estate - Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 19,832 |  |  | $ | 20,803 |  |  | $ | 39,126 |  |  | $ | 18,734 |  |  | $ | 31,620 |  |  | $ | 71,162 |  |  | $ | 3,071 |  |  | $ | 204,348 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 317 |  |  |  | 0 |  |  |  | 1,935 |  |  |  | 0 |  |  |  | 2,252 |
Total commercial real estate - Farmland loans |  | $ | 19,832 |  |  | $ | 20,803 |  |  | $ | 39,126 |  |  | $ | 19,051 |  |  | $ | 31,620 |  |  | $ | 73,097 |  |  | $ | 3,071 |  |  | $ | 206,600 |
Commercial real estate - Farmland: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Commercial real estate - Other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 40,993 |  |  | $ | 108,346 |  |  | $ | 65,724 |  |  | $ | 39,091 |  |  | $ | 8,493 |  |  | $ | 21,744 |  |  | $ | 728 |  |  | $ | 285,119 |
Special mention |  |  | 0 |  |  |  | 990 |  |  |  | 7,480 |  |  |  | 112 |  |  |  | 0 |  |  |  | 1,448 |  |  |  | 0 |  |  |  | 10,030 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 32 |  |  |  | 0 |  |  |  | 32 |
Total commercial real estate - Other loans |  | $ | 40,993 |  |  | $ | 109,336 |  |  | $ | 73,204 |  |  | $ | 39,203 |  |  | $ | 8,493 |  |  | $ | 23,224 |  |  | $ | 728 |  |  | $ | 295,181 |
Commercial real estate - Other: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
|  | Term Loans Amortized Cost Basis by Origination Year (Continued) |
As of December 31, 2024 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Commercial - Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 84,491 |  |  | $ | 72,388 |  |  | $ | 55,279 |  |  | $ | 26,780 |  |  | $ | 10,744 |  |  | $ | 20,223 |  |  | $ | 70,675 |  |  | $ | 340,580 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 167 |  |  |  | 165 |  |  |  | 46 |  |  |  | 84 |  |  |  | 462 |
Substandard |  |  | 31 |  |  |  | 118 |  |  |  | 5,653 |  |  |  | 282 |  |  |  | 244 |  |  |  | 1,682 |  |  |  | 2,481 |  |  |  | 10,491 |
Total commercial - Commercial and industrial loans |  | $ | 84,522 |  |  | $ | 72,506 |  |  | $ | 60,932 |  |  | $ | 27,229 |  |  | $ | 11,153 |  |  | $ | 21,951 |  |  | $ | 73,240 |  |  | $ | 351,533 |
Commercial - Commercial and industrial: Current period gross write-offs |  | $ | 48 |  |  | $ | 273 |  |  | $ | 389 |  |  | $ | 125 |  |  | $ | 228 |  |  | $ | 257 |  |  | $ | 313 |  |  | $ | 1,633 |
Commercial - Agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 9,085 |  |  | $ | 11,703 |  |  | $ | 13,160 |  |  | $ | 5,481 |  |  | $ | 1,768 |  |  | $ | 850 |  |  | $ | 13,958 |  |  | $ | 56,005 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 61 |  |  |  | 61 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 35 |  |  |  | 29 |  |  |  | 162 |  |  |  | 137 |  |  |  | 0 |  |  |  | 363 |
Total commercial - Agricultural loans |  | $ | 9,085 |  |  | $ | 11,703 |  |  | $ | 13,195 |  |  | $ | 5,510 |  |  | $ | 1,930 |  |  | $ | 987 |  |  | $ | 14,019 |  |  | $ | 56,429 |
Commercial - Agricultural: Current period gross write-offs |  | $ | 0 |  |  | $ | 1 |  |  | $ | 49 |  |  | $ | 13 |  |  | $ | 29 |  |  | $ | 17 |  |  | $ | 0 |  |  | $ | 109 |
Residential real estate - 1-4 family residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 79,820 |  |  | $ | 69,319 |  |  | $ | 157,403 |  |  | $ | 153,569 |  |  | $ | 119,770 |  |  | $ | 257,827 |  |  | $ | 3,261 |  |  | $ | 840,969 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 473 |  |  |  | 278 |  |  |  | 1,626 |  |  |  | 2,193 |  |  |  | 0 |  |  |  | 4,570 |
Total residential real estate - 1-4 family residential loans |  | $ | 79,820 |  |  | $ | 69,319 |  |  | $ | 157,876 |  |  | $ | 153,847 |  |  | $ | 121,396 |  |  | $ | 260,020 |  |  | $ | 3,261 |  |  | $ | 845,539 |
Residential real estate - 1-4 family residential: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 37 |  |  | $ | 0 |  |  | $ | 118 |  |  | $ | 0 |  |  | $ | 155 |
Residential real estate - Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 119 |  |  | $ | 153 |  |  | $ | 127 |  |  | $ | 68 |  |  | $ | 4,118 |  |  | $ | 153,051 |  |  | $ | 157,636 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 29 |  |  |  | 0 |  |  |  | 0 |  |  |  | 376 |  |  |  | 98 |  |  |  | 503 |
Total residential real estate - Home equity lines of credit loans |  | $ | 0 |  |  | $ | 119 |  |  | $ | 182 |  |  | $ | 127 |  |  | $ | 68 |  |  | $ | 4,494 |  |  | $ | 153,149 |  |  | $ | 158,139 |
Residential real estate - Home equity lines of credit: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
|  | Term Loans Amortized Cost Basis by Origination Year (Continued) |
As of December 31, 2024 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Consumer - Indirect: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 78,306 |  |  | $ | 55,525 |  |  | $ | 49,548 |  |  | $ | 23,331 |  |  | $ | 14,183 |  |  | $ | 19,962 |  |  | $ | 0 |  |  | $ | 240,855 |
Nonperforming |  |  | 0 |  |  |  | 57 |  |  |  | 233 |  |  |  | 97 |  |  |  | 62 |  |  |  | 51 |  |  |  | 0 |  |  |  | 500 |
Total consumer - Indirect loans |  | $ | 78,306 |  |  | $ | 55,582 |  |  | $ | 49,781 |  |  | $ | 23,428 |  |  | $ | 14,245 |  |  | $ | 20,013 |  |  | $ | 0 |  |  | $ | 241,355 |
Consumer - Indirect: Current period gross write-offs |  | $ | 10 |  |  | $ | 100 |  |  | $ | 206 |  |  | $ | 192 |  |  | $ | 174 |  |  | $ | 430 |  |  | $ | 0 |  |  | $ | 1,112 |
Consumer - Direct: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 2,735 |  |  | $ | 2,319 |  |  | $ | 2,406 |  |  | $ | 1,075 |  |  | $ | 792 |  |  | $ | 9,432 |  |  | $ | 326 |  |  | $ | 19,085 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 6 |  |  |  | 15 |  |  |  | 66 |  |  |  | 13 |  |  |  | 0 |  |  |  | 100 |
Total consumer - Direct loans |  | $ | 2,735 |  |  | $ | 2,319 |  |  | $ | 2,412 |  |  | $ | 1,090 |  |  | $ | 858 |  |  | $ | 9,445 |  |  | $ | 326 |  |  | $ | 19,185 |
Consumer - Direct: Current period gross write-offs |  | $ | 0 |  |  | $ | 7 |  |  | $ | 38 |  |  | $ | 6 |  |  | $ | 5 |  |  | $ | 120 |  |  | $ | 0 |  |  | $ | 176 |
Consumer - Other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 60 |  |  | $ | 0 |  |  | $ | 409 |  |  | $ | 7,524 |  |  | $ | 7,993 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total consumer - Other loans |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 60 |  |  | $ | 0 |  |  | $ | 409 |  |  | $ | 7,524 |  |  | $ | 7,993 |
Consumer - Other: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 182 |  |  | $ | 0 |  |  | $ | 183 |
|  | Term Loans Amortized Cost Basis by Origination Year |
As of December 31, 2023 |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Commercial real estate - Owner occupied: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 57,983 |  |  | $ | 58,178 |  |  | $ | 66,205 |  |  | $ | 42,023 |  |  | $ | 48,849 |  |  | $ | 109,831 |  |  | $ | 2,946 |  |  | $ | 386,015 |
Special mention |  |  | 0 |  |  |  | 293 |  |  |  | 0 |  |  |  | 8,779 |  |  |  | 0 |  |  |  | 556 |  |  |  | 0 |  |  |  | 9,628 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 10 |  |  |  | 490 |  |  |  | 2,701 |  |  |  | 184 |  |  |  | 3,385 |
Total commercial real estate - Owner occupied loans |  | $ | 57,983 |  |  | $ | 58,471 |  |  | $ | 66,205 |  |  | $ | 50,812 |  |  | $ | 49,339 |  |  | $ | 113,088 |  |  | $ | 3,130 |  |  | $ | 399,028 |
Commercial real estate - Owner Occupied: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1 |
Commercial real estate - Non-owner occupied: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 49,177 |  |  | $ | 135,433 |  |  | $ | 88,188 |  |  | $ | 77,713 |  |  | $ | 81,079 |  |  | $ | 205,729 |  |  | $ | 10,744 |  |  | $ | 648,063 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 12,156 |  |  |  | 0 |  |  |  | 6,565 |  |  |  | 9,217 |  |  |  | 0 |  |  |  | 27,938 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 3,972 |  |  |  | 10,037 |  |  |  | 3,492 |  |  |  | 17,794 |  |  |  | 499 |  |  |  | 35,794 |
Total commercial real estate - Non-owner occupied loans |  | $ | 49,177 |  |  | $ | 135,433 |  |  | $ | 104,316 |  |  | $ | 87,750 |  |  | $ | 91,136 |  |  | $ | 232,740 |  |  | $ | 11,243 |  |  | $ | 711,795 |
Commercial real estate - Non-owner occupied: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 144 |  |  | $ | 201 |  |  | $ | 0 |  |  | $ | 345 |
Commercial real estate - Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 22,576 |  |  | $ | 40,101 |  |  | $ | 20,890 |  |  | $ | 34,036 |  |  | $ | 18,634 |  |  | $ | 59,900 |  |  | $ | 4,103 |  |  | $ | 200,240 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 330 |  |  |  | 0 |  |  |  | 26 |  |  |  | 2,130 |  |  |  | 0 |  |  |  | 2,486 |
Total commercial real estate - Farmland loans |  | $ | 22,576 |  |  | $ | 40,101 |  |  | $ | 21,220 |  |  | $ | 34,036 |  |  | $ | 18,660 |  |  | $ | 62,030 |  |  | $ | 4,103 |  |  | $ | 202,726 |
Commercial real estate - Farmland: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3 |  |  | $ | 0 |  |  | $ | 3 |
Commercial real estate - Other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 68,911 |  |  | $ | 56,753 |  |  | $ | 47,895 |  |  | $ | 9,063 |  |  | $ | 8,516 |  |  | $ | 23,269 |  |  | $ | 1,052 |  |  | $ | 215,459 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 8,186 |  |  |  | 0 |  |  |  | 132 |  |  |  | 0 |  |  |  | 8,318 |
Total commercial real estate - Other loans |  | $ | 68,911 |  |  | $ | 56,753 |  |  | $ | 47,895 |  |  | $ | 17,249 |  |  | $ | 8,516 |  |  | $ | 23,401 |  |  | $ | 1,052 |  |  | $ | 223,777 |
|  | Term Loans Amortized Cost Basis by Origination Year (Continued) |
As of December 31, 2023 |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Commercial - Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 90,807 |  |  | $ | 85,255 |  |  | $ | 40,444 |  |  | $ | 21,794 |  |  | $ | 9,736 |  |  | $ | 23,030 |  |  | $ | 63,698 |  |  | $ | 334,764 |
Special mention |  |  | 0 |  |  |  | 141 |  |  |  | 355 |  |  |  | 21 |  |  |  | 0 |  |  |  | 0 |  |  |  | 129 |  |  |  | 646 |
Substandard |  |  | 195 |  |  |  | 3,551 |  |  |  | 980 |  |  |  | 404 |  |  |  | 1,077 |  |  |  | 699 |  |  |  | 5,503 |  |  |  | 12,409 |
Total commercial - Commercial and industrial loans |  | $ | 91,002 |  |  | $ | 88,947 |  |  | $ | 41,779 |  |  | $ | 22,219 |  |  | $ | 10,813 |  |  | $ | 23,729 |  |  | $ | 69,330 |  |  | $ | 347,819 |
Commercial - Commercial and industrial: Current period gross write-offs |  | $ | 0 |  |  | $ | 178 |  |  | $ | 579 |  |  | $ | 11 |  |  | $ | 16 |  |  | $ | 394 |  |  | $ | 0 |  |  | $ | 1,178 |
Commercial - Agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 13,738 |  |  | $ | 17,368 |  |  | $ | 8,917 |  |  | $ | 3,584 |  |  | $ | 1,386 |  |  | $ | 1,133 |  |  | $ | 12,380 |  |  | $ | 58,506 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 17 |  |  |  | 17 |
Substandard |  |  | 0 |  |  |  | 33 |  |  |  | 118 |  |  |  | 225 |  |  |  | 24 |  |  |  | 152 |  |  |  | 0 |  |  |  | 552 |
Total commercial - Agricultural loans |  | $ | 13,738 |  |  | $ | 17,401 |  |  | $ | 9,035 |  |  | $ | 3,809 |  |  | $ | 1,410 |  |  | $ | 1,285 |  |  | $ | 12,397 |  |  | $ | 59,075 |
Commercial - Agricultural: Current period gross write-offs |  | $ | 0 |  |  | $ | 15 |  |  | $ | 70 |  |  | $ | 3 |  |  | $ | 0 |  |  | $ | 6 |  |  | $ | 0 |  |  | $ | 94 |
Residential real estate - 1-4 family residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 63,365 |  |  | $ | 171,862 |  |  | $ | 164,469 |  |  | $ | 132,989 |  |  | $ | 49,380 |  |  | $ | 254,027 |  |  | $ | 3,652 |  |  | $ | 839,744 |
Nonperforming |  |  | 37 |  |  |  | 58 |  |  |  | 312 |  |  |  | 1,645 |  |  |  | 115 |  |  |  | 1,650 |  |  |  | 0 |  |  |  | 3,817 |
Total residential real estate - 1-4 family residential loans |  | $ | 63,402 |  |  | $ | 171,920 |  |  | $ | 164,781 |  |  | $ | 134,634 |  |  | $ | 49,495 |  |  | $ | 255,677 |  |  | $ | 3,652 |  |  | $ | 843,561 |
Residential real estate - 1-4 family residential: Current period gross write-offs |  | $ | 52 |  |  | $ | 0 |  |  | $ | 49 |  |  | $ | 130 |  |  | $ | 0 |  |  | $ | 129 |  |  | $ | 0 |  |  | $ | 360 |
Residential real estate - Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 19 |  |  | $ | 14 |  |  | $ | 111 |  |  | $ | 51 |  |  | $ | 3,302 |  |  | $ | 138,455 |  |  | $ | 141,952 |
Nonperforming |  |  | 0 |  |  |  | 26 |  |  |  | 13 |  |  |  | 15 |  |  |  | 0 |  |  |  | 465 |  |  |  | 0 |  |  |  | 519 |
Total residential real estate - Home equity lines of credit loans |  | $ | 0 |  |  | $ | 45 |  |  | $ | 27 |  |  | $ | 126 |  |  | $ | 51 |  |  | $ | 3,767 |  |  | $ | 138,455 |  |  | $ | 142,471 |
Residential real estate - Home equity lines of credit: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 8 |  |  | $ | 0 |  |  | $ | 16 |  |  | $ | 0 |  |  | $ | 24 |
|  | Term Loans Amortized Cost Basis by Origination Year (Continued) |
As of December 31, 2023 |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Consumer - Indirect: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 74,425 |  |  | $ | 71,705 |  |  | $ | 32,528 |  |  | $ | 21,163 |  |  | $ | 11,395 |  |  | $ | 23,223 |  |  | $ | 0 |  |  | $ | 234,439 |
Nonperforming |  |  | 54 |  |  |  | 108 |  |  |  | 138 |  |  |  | 85 |  |  |  | 26 |  |  |  | 36 |  |  |  | 0 |  |  |  | 447 |
Total consumer - Indirect loans |  | $ | 74,479 |  |  | $ | 71,813 |  |  | $ | 32,666 |  |  | $ | 21,248 |  |  | $ | 11,421 |  |  | $ | 23,259 |  |  | $ | 0 |  |  | $ | 234,886 |
Consumer - Indirect: Current period gross write-offs |  | $ | 33 |  |  | $ | 138 |  |  | $ | 71 |  |  | $ | 35 |  |  | $ | 23 |  |  | $ | 232 |  |  | $ | 0 |  |  | $ | 532 |
Consumer - Direct: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 3,552 |  |  | $ | 3,812 |  |  | $ | 2,203 |  |  | $ | 1,352 |  |  | $ | 974 |  |  | $ | 11,431 |  |  | $ | 366 |  |  | $ | 23,690 |
Nonperforming |  |  | 0 |  |  |  | 17 |  |  |  | 0 |  |  |  | 65 |  |  |  | 0 |  |  |  | 53 |  |  |  | 0 |  |  |  | 135 |
Total consumer - Direct loans |  | $ | 3,552 |  |  | $ | 3,829 |  |  | $ | 2,203 |  |  | $ | 1,417 |  |  | $ | 974 |  |  | $ | 11,484 |  |  | $ | 366 |  |  | $ | 23,825 |
Consumer - Direct: Current period gross write-offs |  | $ | 11 |  |  | $ | 38 |  |  | $ | 22 |  |  | $ | 51 |  |  | $ | 9 |  |  | $ | 100 |  |  | $ | 0 |  |  | $ | 231 |
Consumer - Other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 0 |  |  | $ | 60 |  |  | $ | 103 |  |  | $ | 82 |  |  | $ | 278 |  |  | $ | 8,636 |  |  | $ | 9,159 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 5 |  |  |  | 0 |  |  |  | 5 |
Total consumer - Other loans |  | $ | 0 |  |  | $ | 0 |  |  | $ | 60 |  |  | $ | 103 |  |  | $ | 82 |  |  | $ | 283 |  |  | $ | 8,636 |  |  | $ | 9,164 |
Consumer - Other: Current period gross write-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 20 |  |  | $ | 149 |  |  | $ | 169 |
Summary of Loan Pools and Methodology Used in Calculation of Allowance for Credit Losses | The following table presents the loan pools and the associated methodology used during the calculation of the allowance for credit losses in 2024.
Portfolio Segments |  | Loan Pool |  | Methodology |  | Loss Drivers
Residential real estate |  | 1-4 Family Residential Real Estate - 1st Liens |  | Cohort |  | Credit Loss History
|  | 1-4 Family Residential Real Estate - 2nd Liens |  | Cohort |  | Credit Loss History
Home Equity Lines of Credit |  | Home Equity Lines of Credit |  | Cohort |  | Credit Loss History
Consumer Finance |  | Cash Reserves |  | Cohort |  | Credit Loss History
|  | Direct |  | Cohort |  | Credit Loss History
|  | Indirect |  | Cohort |  | Credit Loss History
Commercial |  | Commercial and Industrial |  | PD/LGD |  | Credit Loss History
|  | Agricultural |  | PD/LGD |  | Credit Loss History
|  | Municipal |  | PD/LGD |  | Credit Loss History
Commercial real estate |  | Owner Occupied |  | PD/LGD |  | Credit Loss History
|  | Non-Owner Occupied |  | PD/LGD |  | Credit Loss History
|  | Multifamily |  | PD/LGD |  | Credit Loss History
|  | Farmland |  | PD/LGD |  | Credit Loss History
|  | Construction |  | PD/LGD |  | Credit Loss History
Schedule of Par Value of Purchased Loans |
|  | 2023 |
Par value of acquired loans at acquisition |  | $ | 797,616 |
Net purchase discount |  |  | (55,958 | )
Allowance for credit losses of PCD loans |  |  | (999 | )
Purchase price of loans at acquisition |  | $ | 740,659 |
Schedule of Outstanding Balance and Related Allowance on Loans | The outstanding balance at December 31, 2024 and 2023 and related allowance on PCD loans is as follows (in thousands):
|  | 2024 |  |  | 2023 |
December 31, 2024 |  | Loan Balance |  |  | ACL Balance |  |  | Loan Balance |  |  | ACL Balance |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | $ | 333 |  |  | $ | 11 |  |  | $ | 430 |  |  | $ | 19 |
Non-owner Occupied |  |  | 26,890 |  |  |  | 420 |  |  |  | 30,653 |  |  |  | 914 |
Farmland |  |  | 3 |  |  |  | 0 |  |  |  | 9 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1,561 |  |  |  | 115 |  |  |  | 2,229 |  |  |  | 158 |
Agricultural |  |  | 117 |  |  |  | 8 |  |  |  | 149 |  |  |  | 9 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,264 |  |  |  | 7 |  |  |  | 1,211 |  |  |  | 7 |
Home equity lines of credit |  |  | 3 |  |  |  | 0 |  |  |  | 3 |  |  |  | 0 |
Total |  | $ | 30,171 |  |  | $ | 561 |  |  | $ | 34,684 |  |  | $ | 1,107 |

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