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Note 4 - Loans (Tables) | 9 Months Ended
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Sep. 30, 2025
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
(In Thousands of Dollars) |  | September 30, 2025 |  |  | December 31, 2024 |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  | $ | 395,449 |  |  | $ | 391,302 |
Non-owner occupied |  |  | 734,472 |  |  |  | 695,699 |
Farmland |  |  | 214,215 |  |  |  | 206,786 |
Other |  |  | 298,662 |  |  |  | 295,713 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 351,213 |  |  |  | 349,966 |
Agricultural |  |  | 54,810 |  |  |  | 55,606 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 850,112 |  |  |  | 845,081 |
Home equity lines of credit |  |  | 176,609 |  |  |  | 158,014 |
Consumer |  |  |  |  |  |  |  |
Indirect |  |  | 224,995 |  |  |  | 232,822 |
Direct |  |  | 18,346 |  |  |  | 19,143 |
Other |  |  | 8,216 |  |  |  | 7,989 |
Total loans |  | $ | 3,327,099 |  |  | $ | 3,258,121 |
Net deferred loan costs |  |  | 10,681 |  |  |  | 10,225 |
Allowance for credit losses |  |  | (39,528 | ) |  |  | (35,863 | )
Net loans |  | $ | 3,298,252 |  |  | $ | 3,232,483 |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Commercial |  |  |  |  |  |  | Residential |  |  |  |  |  |  |  |  |
(In Thousands of Dollars) |  | Real Estate |  |  | Commercial |  |  | Real Estate |  |  | Consumer |  |  | Total |
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 21,627 |  |  | $ | 4,973 |  |  | $ | 7,210 |  |  | $ | 4,753 |  |  | $ | 38,563 |
Provision (credit) for credit losses |  |  | 1,428 |  |  |  | (204 | ) |  |  | 127 |  |  |  | 150 |  |  |  | 1,501 |
Loans charged off |  |  | (75 | ) |  |  | (319 | ) |  |  | (154 | ) |  |  | (321 | ) |  |  | (869 | )
Recoveries |  |  | 0 |  |  |  | 176 |  |  |  | 25 |  |  |  | 132 |  |  |  | 333 |
Total ending allowance balance |  | $ | 22,980 |  |  | $ | 4,626 |  |  | $ | 7,208 |  |  | $ | 4,714 |  |  | $ | 39,528 |
|  | Commercial |  |  |  |  |  |  | Residential |  |  |  |  |  |  |  |  |
(In Thousands of Dollars) |  | Real Estate |  |  | Commercial |  |  | Real Estate |  |  | Consumer |  |  | Total |
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 19,259 |  |  | $ | 4,628 |  |  | $ | 7,271 |  |  | $ | 4,705 |  |  | $ | 35,863 |
Provision (Credit) for credit losses |  |  | 3,840 |  |  |  | 572 |  |  |  | 84 |  |  |  | 613 |  |  |  | 5,109 |
Loans charged off |  |  | (141 | ) |  |  | (973 | ) |  |  | (231 | ) |  |  | (970 | ) |  |  | (2,315 | )
Recoveries |  |  | 22 |  |  |  | 399 |  |  |  | 84 |  |  |  | 366 |  |  |  | 871 |
Total ending allowance balance |  | $ | 22,980 |  |  | $ | 4,626 |  |  | $ | 7,208 |  |  | $ | 4,714 |  |  | $ | 39,528 |
|  | Commercial |  |  |  |  |  |  | Residential |  |  |  |  |  |  |  |  |
(In Thousands of Dollars) |  | Real Estate |  |  | Commercial |  |  | Real Estate |  |  | Consumer |  |  | Total |
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 17,223 |  |  | $ | 4,628 |  |  | $ | 7,422 |  |  | $ | 4,718 |  |  | $ | 33,991 |
(Credit) Provision for credit losses |  |  | 6,226 |  |  |  | (24 | ) |  |  | 117 |  |  |  | 488 |  |  |  | 6,807 |
Loans charged off |  |  | (4,401 | ) |  |  | (396 | ) |  |  | 0 |  |  |  | (319 | ) |  |  | (5,116 | )
Recoveries |  |  | 3 |  |  |  | 407 |  |  |  | 10 |  |  |  | 84 |  |  |  | 504 |
Total ending allowance balance |  | $ | 19,051 |  |  | $ | 4,615 |  |  | $ | 7,549 |  |  | $ | 4,971 |  |  | $ | 36,186 |
|  | Commercial |  |  |  |  |  |  | Residential |  |  |  |  |  |  |  |  |
(In Thousands of Dollars) |  | Real Estate |  |  | Commercial |  |  | Real Estate |  |  | Consumer |  |  | Total |
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 18,150 |  |  | $ | 5,087 |  |  | $ | 6,916 |  |  | $ | 4,287 |  |  | $ | 34,440 |
(Credit) Provision for credit losses |  |  | 5,427 |  |  |  | 466 |  |  |  | 676 |  |  |  | 1,363 |  |  |  | 7,932 |
Loans charged off |  |  | (4,547 | ) |  |  | (1,411 | ) |  |  | (81 | ) |  |  | (1,020 | ) |  |  | (7,059 | )
Recoveries |  |  | 21 |  |  |  | 473 |  |  |  | 38 |  |  |  | 341 |  |  |  | 873 |
Total ending allowance balance |  | $ | 19,051 |  |  | $ | 4,615 |  |  | $ | 7,549 |  |  | $ | 4,971 |  |  | $ | 36,186 |
Financing Receivable, Nonaccrual [Table Text Block] |
|  | Nonaccrual with |  |  | Nonaccrual with |  |  | Loans past due |
|  | no allowance |  |  | an allowance |  |  | over 89 days |
(In Thousands of Dollars) |  | for credit loss |  |  | for credit loss |  |  | still accruing |
September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 0 |  |  | $ | 224 |  |  | $ | 0 |
Non-owner occupied |  |  | 0 |  |  |  | 18,619 |  |  |  | 0 |
Farmland |  |  | 0 |  |  |  | 47 |  |  |  | 0 |
Other |  |  | 0 |  |  |  | 8,390 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 54 |  |  |  | 2,986 |  |  |  | 82 |
Agricultural |  |  | 0 |  |  |  | 158 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,029 |  |  |  | 2,379 |  |  |  | 34 |
Home equity lines of credit |  |  | 171 |  |  |  | 450 |  |  |  | 0 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 34 |  |  |  | 502 |  |  |  | 0 |
Direct |  |  | 0 |  |  |  | 35 |  |  |  | 0 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total loans |  | $ | 1,288 |  |  | $ | 33,790 |  |  | $ | 116 |
|  | Nonaccrual with |  |  | Nonaccrual with |  |  | Loans past due |
|  | no allowance |  |  | an allowance |  |  | over 89 days |
(In Thousands of Dollars) |  | for credit loss |  |  | for credit loss |  |  | 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 Collateral Dependent Loans [Table Text Block] |
(In Thousands of Dollars) |  | Real Estate |  |  | Business Assets |  |  | Vehicles |  |  | Cash |
September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Non-owner occupied |  |  | 29,301 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Farmland |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Other |  |  | 8,390 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 0 |  |  |  | 2,409 |  |  |  | 0 |  |  |  | 0 |
Agricultural |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 3,262 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Home equity lines of credit |  |  | 447 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 0 |  |  |  | 0 |  |  |  | 126 |  |  |  | 0 |
Direct |  |  | 0 |  |  |  | 0 |  |  |  | 5 |  |  |  | 0 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total loans |  | $ | 41,400 |  |  | $ | 2,409 |  |  | $ | 131 |  |  | $ | 0 |
(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 |
Financing Receivable, Past Due [Table Text Block] |
|  |  |  |  |  |  |  |  |  | 90 Days |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  | or More |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | Past Due |  |  | Total |  |  | Loans Not |  |  |  |  |
(In Thousands of Dollars) |  | Past Due |  |  | Past Due |  |  | and Nonaccrual |  |  | Past Due |  |  | Past Due |  |  | Total |
September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 2,690 |  |  | $ | 0 |  |  | $ | 224 |  |  | $ | 2,914 |  |  | $ | 392,356 |  |  | $ | 395,270 |
Non-owner occupied |  |  | 58 |  |  |  | 141 |  |  |  | 18,619 |  |  |  | 18,818 |  |  |  | 715,263 |  |  |  | 734,081 |
Farmland |  |  | 274 |  |  |  | 133 |  |  |  | 47 |  |  |  | 454 |  |  |  | 213,609 |  |  |  | 214,063 |
Other |  |  | 237 |  |  |  | 0 |  |  |  | 8,390 |  |  |  | 8,627 |  |  |  | 289,533 |  |  |  | 298,160 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1,036 |  |  |  | 312 |  |  |  | 3,122 |  |  |  | 4,470 |  |  |  | 348,266 |  |  |  | 352,736 |
Agricultural |  |  | 280 |  |  |  | 107 |  |  |  | 158 |  |  |  | 545 |  |  |  | 55,180 |  |  |  | 55,725 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 6,331 |  |  |  | 862 |  |  |  | 3,442 |  |  |  | 10,635 |  |  |  | 840,276 |  |  |  | 850,911 |
Home equity lines of credit |  |  | 1,276 |  |  |  | 161 |  |  |  | 621 |  |  |  | 2,058 |  |  |  | 174,771 |  |  |  | 176,829 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 1,775 |  |  |  | 228 |  |  |  | 536 |  |  |  | 2,539 |  |  |  | 230,838 |  |  |  | 233,377 |
Direct |  |  | 50 |  |  |  | 31 |  |  |  | 35 |  |  |  | 116 |  |  |  | 18,292 |  |  |  | 18,408 |
Other |  |  | 101 |  |  |  | 0 |  |  |  | 0 |  |  |  | 101 |  |  |  | 8,119 |  |  |  | 8,220 |
Total loans |  | $ | 14,108 |  |  | $ | 1,975 |  |  | $ | 35,194 |  |  | $ | 51,277 |  |  | $ | 3,286,503 |  |  | $ | 3,337,780 |
|  |  |  |  |  |  |  |  |  | 90 Days |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  | or More |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | Past Due |  |  | Total |  |  | Loans Not |  |  |  |  |
(In Thousands of Dollars) |  | Past Due |  |  | Past Due |  |  | and Nonaccrual |  |  | Past Due |  |  | Past Due |  |  | Total |
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |

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