XML 81 R71.htm IDEA: XBRL DOCUMENT
v3.25.0.1

Loans and Allowance for Credit Losses - Schedule of Information Regarding Credit Exposure (Details) - USD ($) $ in Thousands | 12 Months Ended |
--- | --- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | $ 121 |  | $ 189 |  |
Total loans held for investment (Note 3) | 1,545,640 |  | 1,410,653 |  | $ 1,189,782
Total nonaccrual loans | 3,704 |  | 1,723 |  | 1,263
Agricultural [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 7,669 |  | 5,015 |  |
2023 | 1,729 |  | 4,088 |  |
2022 | 2,998 |  | 3,078 |  |
2021 | 2,867 |  | 1,788 |  |
2020 | 1,545 |  | 7,204 |  |
Prior | 18,747 |  | 18,530 |  |
Term Loans Total | 35,555 |  | 39,703 |  |
Revolving Loans | 12,666 |  | 9,507 |  |
Total loans held for investment (Note 3) | 48,221 |  | 49,210 |  | 64,159
Current year-to-date gross write-offs, 2024 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2023 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2022 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2021 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2020 | 0 |  | 0 |  |
Current year-to-date gross write-offs, Prior | 0 |  | 0 |  |
Current year-to-date gross write-offs, Term Loans Total | 0 |  | 0 |  |
Current year-to-date gross write-offs, Revolving Loans | 0 |  | 0 |  |
Current year-to-date gross write-offs, Grand Total | 0 |  | 0 |  |
Agricultural [Member] | Pass [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 7,669 |  | 5,015 |  |
2023 | 1,729 |  | 4,088 |  |
2022 | 2,998 |  | 3,078 |  |
2021 | 2,867 |  | 1,788 |  |
2020 | 1,545 |  | 7,028 |  |
Prior | 18,573 |  | 18,476 |  |
Term Loans Total | 35,381 |  | 39,473 |  |
Revolving Loans | 12,666 |  | 9,507 |  |
Total loans held for investment (Note 3) | 48,047 |  | 48,980 |  |
Agricultural [Member] | Special Mention [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 176 |  |
Prior | 174 |  | 54 |  |
Term Loans Total | 174 |  | 230 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 174 |  | 230 |  |
Agricultural [Member] | Substandard [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Agricultural [Member] | Doubtful [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Agricultural [Member] | Loss [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Consumer Portfolio Segment [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 6,489 |  | 9,775 |  |
2023 | 6,643 |  | 13,876 |  |
2022 | 8,428 |  | 6,771 |  |
2021 | 4,240 |  | 2,849 |  |
2020 | 1,632 |  | 1,260 |  |
Prior | 1,283 |  | 1,202 |  |
Term Loans Total | 28,715 |  | 35,733 |  |
Revolving Loans | 697 |  | 808 |  |
Total loans held for investment (Note 3) | 29,412 |  | 36,541 |  | 39,808
Current year-to-date gross write-offs, 2024 | 0 | [1] | 8 | [2] |
Current year-to-date gross write-offs, 2023 | 69 | [1] | 24 | [2] |
Current year-to-date gross write-offs, 2022 | 111 | [1] | 11 | [2] |
Current year-to-date gross write-offs, 2021 | 11 | [1] | 28 | [2] |
Current year-to-date gross write-offs, 2020 | 0 | [1] | 0 | [2] |
Current year-to-date gross write-offs, Prior | 2 | [1] | 1 | [2] |
Current year-to-date gross write-offs, Term Loans Total | 193 | [1] | 72 | [2] |
Current year-to-date gross write-offs, Revolving Loans | 0 | [1] | 0 | [2] |
Current year-to-date gross write-offs, Grand Total | 193 | [1] | 72 | [2] |
Total nonaccrual loans | 8 |  | 0 |  | 0
Consumer Portfolio Segment [Member] | Performing Financial Instruments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 6,489 |  | 9,775 |  |
2023 | 6,636 |  | 13,876 |  |
2022 | 8,427 |  | 6,771 |  |
2021 | 4,240 |  | 2,849 |  |
2020 | 1,632 |  | 1,260 |  |
Prior | 1,283 |  | 1,202 |  |
Term Loans Total | 28,707 |  | 35,733 |  |
Revolving Loans | 697 |  | 808 |  |
Total loans held for investment (Note 3) | 29,404 |  | 36,541 |  |
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Consumer Portfolio Segment [Member] | Nonaccrual Financing Receivable |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 7 |  | 0 |  |
2022 | 1 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 8 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 8 |  | 0 |  |
Commercial and Industrial [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 40,184 |  | 23,600 |  |
2023 | 17,481 |  | 45,489 |  |
2022 | 30,853 |  | 23,490 |  |
2021 | 14,673 |  | 10,537 |  |
2020 | 6,124 |  | 9,287 |  |
Prior | 10,285 |  | 11,950 |  |
Term Loans Total | 119,600 |  | 124,353 |  |
Revolving Loans | 108,656 |  | 105,562 |  |
Total loans held for investment (Note 3) | 228,256 |  | 229,915 |  | 210,210
Current year-to-date gross write-offs, 2024 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2023 | 0 |  | 55 |  |
Current year-to-date gross write-offs, 2022 | 0 |  | 30 |  |
Current year-to-date gross write-offs, 2021 | 0 |  | 71 |  |
Current year-to-date gross write-offs, 2020 | 0 |  | 0 |  |
Current year-to-date gross write-offs, Prior | 7 |  | 2 |  |
Current year-to-date gross write-offs, Term Loans Total | 7 |  | 158 |  |
Current year-to-date gross write-offs, Revolving Loans | 0 |  | 0 |  |
Current year-to-date gross write-offs, Grand Total | 7 |  | 158 |  |
Total nonaccrual loans | 0 |  | 1 |  | 0
Commercial and Industrial [Member] | Pass [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 40,184 |  | 23,600 |  |
2023 | 17,481 |  | 45,489 |  |
2022 | 30,769 |  | 23,462 |  |
2021 | 14,659 |  | 10,502 |  |
2020 | 6,100 |  | 9,214 |  |
Prior | 10,110 |  | 11,882 |  |
Term Loans Total | 119,303 |  | 124,149 |  |
Revolving Loans | 108,656 |  | 105,559 |  |
Total loans held for investment (Note 3) | 227,959 |  | 229,708 |  |
Commercial and Industrial [Member] | Special Mention [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2022 | 84 |  | 28 |  |
2021 | 14 |  | 35 |  |
2020 | 24 |  | 73 |  |
Prior | 174 |  | 64 |  |
Term Loans Total | 296 |  | 200 |  |
Revolving Loans | 0 |  | 3 |  |
Total loans held for investment (Note 3) | 296 |  | 203 |  |
Commercial and Industrial [Member] | Substandard [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 1 |  | 4 |  |
Term Loans Total | 1 |  | 4 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 1 |  | 4 |  |
Commercial and Industrial [Member] | Doubtful [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Commercial and Industrial [Member] | Loss [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Construction Real Estate [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 1,436 |  | 2,507 |  |
2023 | 451 |  | 2,719 |  |
2022 | 0 |  | 552 |  |
2021 | 522 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 2,409 |  | 5,778 |  |
Revolving Loans | 14,633 |  | 15,158 |  |
Total loans held for investment (Note 3) | 17,042 |  | 20,936 |  | 14,736
Current year-to-date gross write-offs, 2024 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2023 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2022 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2021 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2020 | 0 |  | 0 |  |
Current year-to-date gross write-offs, Prior | 0 |  | 0 |  |
Current year-to-date gross write-offs, Term Loans Total | 0 |  | 0 |  |
Current year-to-date gross write-offs, Revolving Loans | 0 |  | 0 |  |
Current year-to-date gross write-offs, Grand Total | 0 |  | 0 |  |
Total nonaccrual loans | 229 |  | 0 |  | 0
Construction Real Estate [Member] | Performing Financial Instruments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 1,436 |  | 2,507 |  |
2023 | 451 |  | 2,719 |  |
2022 | 0 |  | 552 |  |
2021 | 522 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 2,409 |  | 5,778 |  |
Revolving Loans | 14,404 |  | 15,158 |  |
Total loans held for investment (Note 3) | 16,813 |  | 20,936 |  |
Construction Real Estate [Member] | Nonperforming Financial Instruments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Construction Real Estate [Member] | Nonaccrual Financing Receivable |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 229 |  | 0 |  |
Total loans held for investment (Note 3) | 229 |  | 0 |  |
Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 150,126 |  | 149,181 |  |
2023 | 140,105 |  | 134,289 |  |
2022 | 120,517 |  | 107,033 |  |
2021 | 99,381 |  | 71,754 |  |
2020 | 69,773 |  | 43,846 |  |
Prior | 156,182 |  | 137,698 |  |
Term Loans Total | 736,084 |  | 643,801 |  |
Revolving Loans | 165,046 |  | 143,120 |  |
Total loans held for investment (Note 3) | 901,130 |  | 786,921 |  | 630,953
Current year-to-date gross write-offs, 2024 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2023 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2022 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2021 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2020 | 0 |  | 0 |  |
Current year-to-date gross write-offs, Prior | 0 |  | 0 |  |
Current year-to-date gross write-offs, Term Loans Total | 0 |  | 0 |  |
Current year-to-date gross write-offs, Revolving Loans | 0 |  | 0 |  |
Current year-to-date gross write-offs, Grand Total | 0 |  | 0 |  |
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 150,126 |  | 149,181 |  |
2023 | 140,105 |  | 134,289 |  |
2022 | 120,517 |  | 107,033 |  |
2021 | 99,381 |  | 71,754 |  |
2020 | 69,773 |  | 43,846 |  |
Prior | 151,908 |  | 136,361 |  |
Term Loans Total | 731,810 |  | 642,464 |  |
Revolving Loans | 165,046 |  | 143,120 |  |
Total loans held for investment (Note 3) | 896,856 |  | 785,584 |  |
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 4,274 |  | 1,337 |  |
Term Loans Total | 4,274 |  | 1,337 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 4,274 |  | 1,337 |  |
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Commercial Real Estate Portfolio Segment [Member] | Loss [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Residential Portfolio Segment [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 40,158 |  | 54,231 |  |
2023 | 43,823 |  | 65,148 |  |
2022 | 56,243 |  | 29,127 |  |
2021 | 26,086 |  | 16,391 |  |
2020 | 13,995 |  | 12,556 |  |
Prior | 45,234 |  | 40,756 |  |
Term Loans Total | 225,539 |  | 218,209 |  |
Revolving Loans | 56,162 |  | 49,521 |  |
Total loans held for investment (Note 3) | 281,701 |  | 267,730 |  | 229,916
Current year-to-date gross write-offs, 2024 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2023 | 23 |  | 26 |  |
Current year-to-date gross write-offs, 2022 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2021 | 1 |  | 0 |  |
Current year-to-date gross write-offs, 2020 | 0 |  | 0 |  |
Current year-to-date gross write-offs, Prior | 6 |  | 1 |  |
Current year-to-date gross write-offs, Term Loans Total | 30 |  | 27 |  |
Current year-to-date gross write-offs, Revolving Loans | 0 |  | 0 |  |
Current year-to-date gross write-offs, Grand Total | 30 |  | 27 |  |
Total nonaccrual loans | 3,467 |  | 1,722 |  | 1,263
Residential Portfolio Segment [Member] | Performing Financial Instruments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 40,095 |  | 54,231 |  |
2023 | 43,531 |  | 64,768 |  |
2022 | 54,379 |  | 28,301 |  |
2021 | 25,350 |  | 16,391 |  |
2020 | 13,717 |  | 12,556 |  |
Prior | 45,051 |  | 40,270 |  |
Term Loans Total | 222,123 |  | 216,517 |  |
Revolving Loans | 56,111 |  | 49,491 |  |
Total loans held for investment (Note 3) | 278,234 |  | 266,008 |  |
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Residential Portfolio Segment [Member] | Nonaccrual Financing Receivable |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 63 |  | 0 |  |
2023 | 292 |  | 380 |  |
2022 | 1,864 |  | 826 |  |
2021 | 736 |  | 0 |  |
2020 | 278 |  | 0 |  |
Prior | 183 |  | 486 |  |
Term Loans Total | 3,416 |  | 1,692 |  |
Revolving Loans | 51 |  | 30 |  |
Total loans held for investment (Note 3) | 3,467 |  | 1,722 |  |
Loans to Other Financial Institutions [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 39,878 |  | 19,400 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 39,878 |  | 19,400 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 39,878 |  | 19,400 |  | $ 0
Current year-to-date gross write-offs, 2024 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2023 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2022 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2021 | 0 |  | 0 |  |
Current year-to-date gross write-offs, 2020 | 0 |  | 0 |  |
Current year-to-date gross write-offs, Prior | 0 |  | 0 |  |
Current year-to-date gross write-offs, Term Loans Total | 0 |  | 0 |  |
Current year-to-date gross write-offs, Revolving Loans | 0 |  | 0 |  |
Current year-to-date gross write-offs, Grand Total | 0 |  | 0 |  |
Loans to Other Financial Institutions [Member] | Performing Financial Instruments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 39,878 |  | 19,400 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 39,878 |  | 19,400 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 39,878 |  | 19,400 |  |
Loans to Other Financial Institutions [Member] | Nonperforming Financial Instruments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Loans to Other Financial Institutions [Member] | Nonaccrual Financing Receivable |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 0 |  | 0 |  |
2023 | 0 |  | 0 |  |
2022 | 0 |  | 0 |  |
2021 | 0 |  | 0 |  |
2020 | 0 |  | 0 |  |
Prior | 0 |  | 0 |  |
Term Loans Total | 0 |  | 0 |  |
Revolving Loans | 0 |  | 0 |  |
Total loans held for investment (Note 3) | 0 |  | 0 |  |
Commercial Loans [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 197,979 |  | 177,796 |  |
2023 | 159,315 |  | 183,866 |  |
2022 | 154,368 |  | 133,601 |  |
2021 | 116,921 |  | 84,079 |  |
2020 | 77,442 |  | 60,337 |  |
Prior | 185,214 |  | 168,178 |  |
Term Loans Total | 891,239 |  | 807,857 |  |
Revolving Loans | 286,368 |  | 258,189 |  |
Total loans held for investment (Note 3) | 1,177,607 |  | 1,066,046 |  |
Retail Loans [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2024 | 87,961 |  | 85,913 |  |
2023 | 50,917 |  | 81,743 |  |
2022 | 64,671 |  | 36,450 |  |
2021 | 30,848 |  | 19,240 |  |
2020 | 15,627 |  | 13,816 |  |
Prior | 46,517 |  | 41,958 |  |
Term Loans Total | 296,541 |  | 279,120 |  |
Revolving Loans | 71,492 |  | 65,487 |  |
Total loans held for investment (Note 3) | $ 368,033 |  | $ 344,607 |  |
[1] | It is noted that write-offs in the tables above do not include checking account write-offs. Checking account write-offs during the full year 2024 were $607,000 compared to $480,000 during the full year 2023.
[2] | It is noted that write-offs in the tables above do not include checking account write-offs. Checking account write-offs during the full year 2024 were $607,000 compared to $480,000 during the full year 2023.

X
- Definition Financing receivable originated writeoffs five or more years before latest fiscal year. + References No definition available. + Details
Name: | cofs_FinancingReceivableOriginatedWriteoffsFiveOrMoreYearsBeforeLatestFiscalYear
Namespace Prefix: | cofs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Financing receivable originated writeoffs four years before latest fiscal year. + References No definition available. + Details
Name: | cofs_FinancingReceivableOriginatedWriteoffsFourYearsBeforeLatestFiscalYear
Namespace Prefix: | cofs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Financing receivable originated writeoffs in current fiscal year. + References No definition available. + Details
Name: | cofs_FinancingReceivableOriginatedWriteoffsInCurrentFiscalYear
Namespace Prefix: | cofs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Financing receivable originated writeoffs in fiscal year before latest fiscal year. + References No definition available. + Details
Name: | cofs_FinancingReceivableOriginatedWriteoffsInFiscalYearBeforeLatestFiscalYear
Namespace Prefix: | cofs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Financing receivable originated writeoffs three years before latest fiscal year. + References No definition available. + Details
Name: | cofs_FinancingReceivableOriginatedWriteoffsThreeYearsBeforeLatestFiscalYear
Namespace Prefix: | cofs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Financing receivable originated writeoffs two years before latest fiscal year. + References No definition available. + Details
Name: | cofs_FinancingReceivableOriginatedWriteoffsTwoYearsBeforeLatestFiscalYear
Namespace Prefix: | cofs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Financing receivable writeoff revolving converted to term loan. + References No definition available. + Details
Name: | cofs_FinancingReceivableWriteoffRevolvingConvertedToTermLoan
Namespace Prefix: | cofs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Writeoff of notes receivable gross. + References No definition available. + Details
Name: | cofs_WriteoffOfNotesReceivableGross
Namespace Prefix: | cofs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Wriyeoff of financing receivable revolving. + References No definition available. + Details
Name: | cofs_WriyeoffOfFinancingReceivableRevolving
Namespace Prefix: | cofs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 20 -Name Accounting Standards Codification -Section 40 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481628/310-20-40-7 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2 + Details
Name: | us-gaap_AccountsNotesAndLoansReceivableLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amortized cost of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 + Details
Name: | us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost of financing receivable originated four years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 + Details
Name: | us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost of financing receivable originated in current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 + Details
Name: | us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost of financing receivable originated in fiscal year prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 + Details
Name: | us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost of financing receivable originated three years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 + Details
Name: | us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost of financing receivable originated two years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 + Details
Name: | us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost of financing receivable on nonaccrual status. Excludes net investment in lease. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (3) -Publisher SEC Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (2) -Publisher SEC Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-16 + Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost of financing receivable that can be withdrawn, repaid, and redrawn. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 + Details
Name: | us-gaap_FinancingReceivableRevolving
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost of revolving financing receivable converted to term loan. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6A -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6A + Details
Name: | us-gaap_FinancingReceivableRevolvingConvertedToTermLoan
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost, before allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481990/310-10-45-13 Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7A Reference 3: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (1) -Publisher SEC Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (2) -Publisher SEC Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1404 -Paragraph a -Publisher SEC Reference 7: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 Reference 8: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 Reference 10: http://www.xbrl.org/2003/role/disclosureRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)(b)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 11: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 12: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_NotesReceivableGross
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_AgriculturalMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_UnlikelyToBeCollectedFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancialInstrumentPerformanceStatusAxis=us-gaap_PerformingFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancialInstrumentPerformanceStatusAxis=us-gaap_NonperformingFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancialInstrumentPerformanceStatusAxis=cofs_NonaccrualFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_CommercialAndIndustrialMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_ConstructionRealEstateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_LoansToOtherFinancialInstitutionsMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_CommercialLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_RetailLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |