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Loans (Tables)

12 Months Ended

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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