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Note 6 - Credit Quality Indicators (Tables)

3 Months Ended

Mar. 31, 2025

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		Term Loans Amortized Cost Basis by Origination Year
(In Thousands of Dollars)																										Revolving
As of March 31, 2025		2025				2024				2023				2022				2021				Prior				Loans				Total
Commercial real estate - Owner occupied:
Risk Rating
Pass		$	12,526			$	45,664			$	56,069			$	44,321			$	58,722			$	163,234			$	1,961			$	382,497
Special mention			0				0				1,845				0				1,106				81				0				3,032
Substandard			0				0				1,352				652				23				1,685				71				3,783
Total commercial real estate - Owner occupied loans		$	12,526			$	45,664			$	59,266			$	44,973			$	59,851			$	165,000			$	2,032			$	389,312
Commercial real estate - Owner Occupied: Current period gross write-offs		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0
Commercial real estate - Non-owner occupied:
Risk Rating
Pass		$	16,753			$	62,006			$	48,415			$	124,001			$	78,022			$	303,826			$	9,213			$	642,236
Special mention			0				0				0				6,740				310				10,950				200				18,200
Substandard			0				6,988				127				0				10,437				15,475				0				33,027
Doubtful			0				0				0				0				1,649				0				0				1,649
Total commercial real estate - Non-owner occupied loans		$	16,753			$	68,994			$	48,542			$	130,741			$	90,418			$	330,251			$	9,413			$	695,112
Commercial real estate - Non-owner occupied: Current period gross write-offs		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0
Commercial real estate - Farmland:
Risk Rating
Pass		$	6,331			$	23,332			$	24,079			$	38,384			$	18,144			$	99,680			$	2,610			$	212,560
Special mention			0				0				0				0				0				929				0				929
Substandard			0				0				0				0				366				173				0				539
Total commercial real estate - Farmland loans		$	6,331			$	23,332			$	24,079			$	38,384			$	18,510			$	100,782			$	2,610			$	214,028
Commercial real estate - Farmland: Current period gross write-offs		$	0			$	0			$	0			$	0			$	0			$	44			$	0			$	44
Commercial real estate - Other:
Risk Rating
Pass		$	1,354			$	44,704			$	96,535			$	65,887			$	38,646			$	26,976			$	1,088			$	275,190
Special mention			0				0				0				7,481				0				1,427				0				8,908
Substandard			0				0				983				0				111				29				0				1,123
Total commercial real estate - Other loans		$	1,354			$	44,704			$	97,518			$	73,368			$	38,757			$	28,432			$	1,088			$	285,221
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)
(In Thousands of Dollars)																										Revolving
As of March 31, 2025		2025				2024				2023				2022				2021				Prior				Loans				Total
Commercial - Commercial and industrial:
Risk Rating
Pass		$	10,149			$	82,997			$	67,519			$	50,919			$	19,452			$	27,189			$	69,509			$	327,734
Special mention			0				0				0				2,546				164				187				1,014				3,911
Substandard			0				74				112				2,980				203				1,746				1,408				6,523
Total commercial - Commercial and industrial loans		$	10,149			$	83,071			$	67,631			$	56,445			$	19,819			$	29,122			$	71,931			$	338,168
Commercial - Commercial and industrial: Current period gross write-offs		$	0			$	8			$	121			$	91			$	31			$	31			$	0			$	282
Commercial - Agricultural:
Risk Rating
Pass		$	2,610			$	8,795			$	10,456			$	11,709			$	4,857			$	2,127			$	13,517			$	54,071
Special mention			0				0				0				0				0				0				49				49
Substandard			0				0				44				47				25				122				0				238
Total commercial - Agricultural loans		$	2,610			$	8,795			$	10,500			$	11,756			$	4,882			$	2,249			$	13,566			$	54,358
Commercial - Agricultural: Current period gross write-offs		$	0			$	14			$	5			$	0			$	0			$	12			$	0			$	31
Residential real estate - 1-4 family residential:
Payment Performance
Performing		$	8,604			$	86,138			$	67,400			$	154,145			$	150,145			$	373,197			$	3,545			$	843,174
Nonperforming			0				0				391				480				273				2,813				43				4,000
Total residential real estate - 1-4 family residential loans		$	8,604			$	86,138			$	67,791			$	154,625			$	150,418			$	376,010			$	3,588			$	847,174
Residential real estate - 1-4 family residential: Current period gross write-offs		$	0			$	0			$	0			$	0			$	0			$	19			$	0			$	19
Residential real estate - Home equity lines of credit:
Payment Performance
Performing		$	0			$	26			$	116			$	225			$	127			$	4,103			$	157,139			$	161,736
Nonperforming			0				0				0				128				0				278				0				406
Total residential real estate - Home equity lines of credit loans		$	0			$	26			$	116			$	353			$	127			$	4,381			$	157,139			$	162,142
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)
(In Thousands of Dollars)																										Revolving
As of March 31, 2025		2025				2024				2023				2022				2021				Prior				Loans				Total
Consumer - Indirect:
Payment Performance
Performing		$	18,784			$	73,098			$	51,161			$	44,191			$	21,284			$	30,326			$	0			$	238,844
Nonperforming			0				122				85				54				88				199				0				548
Total consumer - Indirect loans		$	18,784			$	73,220			$	51,246			$	44,245			$	21,372			$	30,525			$	0			$	239,392
Consumer - Indirect: Current period gross write-offs		$	0			$	72			$	0			$	17			$	8			$	155			$	0			$	252
Consumer - Direct:
Payment Performance
Performing		$	1,486			$	2,332			$	2,023			$	1,835			$	944			$	9,486			$	336			$	18,442
Nonperforming			0				6				8				4				0				69				0				87
Total consumer - Direct loans		$	1,486			$	2,338			$	2,031			$	1,839			$	944			$	9,555			$	336			$	18,529
Consumer - Direct: Current period gross write-offs		$	0			$	6			$	10			$	0			$	0			$	7			$	0			$	23
Consumer - Other:
Payment Performance
Performing		$	0			$	0			$	5			$	2			$	60			$	326			$	7,562			$	7,955
Nonperforming			0				0				0				0				0				0				0				0
Total consumer - Other loans		$	0			$	0			$	5			$	2			$	60			$	326			$	7,562			$	7,955
Consumer - Other: Current period gross write-offs		$	0			$	0			$	0			$	0			$	0			$	47			$	0			$	47

		Term Loans Amortized Cost Basis by Origination Year
(In Thousands of Dollars)																										Revolving
As of December 31, 2024		2024				2023				2022				2021				2020				Prior				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)
(In Thousands of Dollars)																										Revolving
As of December 31, 2024		2024				2023				2022				2021				2020				Prior				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)
(In Thousands of Dollars)																										Revolving
As of December 31, 2024		2024				2023				2022				2021				2020				Prior				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

Schedule of Loans Held for Sale [Table Text Block]

		March 31, 2025								December 31, 2024
(In Thousands of Dollars)			Loan Balance				ACL Balance				Loan Balance				ACL Balance
Commercial real estate
Owner Occupied		$	314			$	10			$	333			$	11
Non-owner Occupied			25,555				379				26,890				420
Farmland			1				0				3				0
Commercial
Commercial and industrial			1,226				67				1,561				115
Agricultural			117				8				117				8
Residential real estate
1-4 family residential			1,209				6				1,264				7
Home equity lines of credit			4				0				3				0
Total		$	28,426			$	470			$	30,171			$	561

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- Definition

Tabular disclosure of loans held for sale.

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- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-5

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