XML 51 R45.htm IDEA: XBRL DOCUMENT v3.25.1
Loans and Allowance for Credit Losses - Schedule of Information Regarding Credit Exposure (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2025
Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year $ 135 $ 121
Total loans held for investment (Note 3) 2,924,955 1,545,640
Total nonaccrual loans 16,789 3,704
Agricultural [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 1,986 7,669
Financing Receivable, Prior year 4,425 1,729
Financing Receivable, Two year prior 1,948 2,998
Financing Receivable, Three year prior 4,222 2,867
Financing Receivable, Four year prior 5,134 1,545
Prior 21,126 18,747
Term Loans Total 38,841 35,555
Revolving Loans 9,324 12,666
Total loans held for investment (Note 3) 48,165 48,221
Current year-to-date gross write-offs, Current year 0 [1] 0
Current year-to-date gross write-offs, Prior year 0 [1] 0
Current year-to-date gross write-offs, Two year prior 0 [1] 0
Current year-to-date gross write-offs, Three year prior 0 [1] 0
Current year-to-date gross write-offs, Four year prior 0 [1] 0
Financing Receivable Originated Writeoffs Five or More Years Before Latest Fiscal Year, Total 0 [1] 0
Current year-to-date gross write-offs, Term Loans Total 0 [1] 0
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0
Current year-to-date gross write-offs, Grand Total 0 [1] 0
Total nonaccrual loans 166  
Agricultural [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 1,986 7,669
Financing Receivable, Prior year 4,425 1,729
Financing Receivable, Two year prior 1,948 2,998
Financing Receivable, Three year prior 4,222 2,867
Financing Receivable, Four year prior 5,134 1,545
Prior 20,779 18,573
Term Loans Total 38,494 35,381
Revolving Loans 9,324 12,666
Total loans held for investment (Note 3) 47,818 48,047
Agricultural [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 0 0
Prior 166 174
Term Loans Total 166 174
Revolving Loans 0 0
Total loans held for investment (Note 3) 166 174
Agricultural [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 0 0
Prior 181 0
Term Loans Total 181 0
Revolving Loans 0 0
Total loans held for investment (Note 3) 181 0
Agricultural [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 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]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 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]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 9,098 40,184
Financing Receivable, Prior year 50,397 17,481
Financing Receivable, Two year prior 32,675 30,853
Financing Receivable, Three year prior 44,912 14,673
Financing Receivable, Four year prior 17,994 6,124
Prior 30,721 10,285
Term Loans Total 185,797 119,600
Revolving Loans 159,341 108,656
Total loans held for investment (Note 3) 345,138 228,256
Current year-to-date gross write-offs, Current year 0 [1] 0
Current year-to-date gross write-offs, Prior year 0 [1] 0
Current year-to-date gross write-offs, Two year prior 0 [1] 0
Current year-to-date gross write-offs, Three year prior 0 [1] 0
Current year-to-date gross write-offs, Four year prior 0 [1] 0
Financing Receivable Originated Writeoffs Five or More Years Before Latest Fiscal Year, Total 0 [1] 7
Current year-to-date gross write-offs, Term Loans Total 0 [1] 7
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0
Current year-to-date gross write-offs, Grand Total 0 [1] 7
Total nonaccrual loans 6,958  
Commercial and Industrial [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 9,098 40,184
Financing Receivable, Prior year 50,277 17,481
Financing Receivable, Two year prior 27,763 30,769
Financing Receivable, Three year prior 44,664 14,659
Financing Receivable, Four year prior 16,233 6,100
Prior 28,733 10,110
Term Loans Total 176,768 119,303
Revolving Loans 159,341 108,656
Total loans held for investment (Note 3) 336,109 227,959
Commercial and Industrial [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0  
Financing Receivable, Two year prior 0 84
Financing Receivable, Three year prior 194 14
Financing Receivable, Four year prior 181 24
Prior 143 174
Term Loans Total 518 296
Revolving Loans 0 0
Total loans held for investment (Note 3) 518 296
Commercial and Industrial [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 120 0
Financing Receivable, Two year prior 4,912 0
Financing Receivable, Three year prior 54 0
Financing Receivable, Four year prior 1,580 0
Prior 1,845 1
Term Loans Total 8,511 1
Revolving Loans 0 0
Total loans held for investment (Note 3) 8,511 1
Commercial and Industrial [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 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]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 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]    
Financing Receivable, Current year 490 1,436
Financing Receivable, Prior year 898 451
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 522
Financing Receivable, Four year prior 515 0
Prior 0 0
Term Loans Total 1,903 2,409
Revolving Loans 16,164 14,633
Total loans held for investment (Note 3) 18,067 17,042
Current year-to-date gross write-offs, Current year 0 [1] 0
Current year-to-date gross write-offs, Prior year 0 [1] 0
Current year-to-date gross write-offs, Two year prior 0 [1] 0
Current year-to-date gross write-offs, Three year prior 0 [1] 0
Current year-to-date gross write-offs, Four year prior 0 [1] 0
Financing Receivable Originated Writeoffs Five or More Years Before Latest Fiscal Year, Total 0 [1] 0
Current year-to-date gross write-offs, Term Loans Total 0 [1] 0
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0
Current year-to-date gross write-offs, Grand Total [1] 0  
Total nonaccrual loans 229 229
Construction Real Estate [Member] | Performing Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 490 1,436
Financing Receivable, Prior year 898 451
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 522
Financing Receivable, Four year prior 515 0
Prior 0 0
Term Loans Total 1,903 2,409
Revolving Loans 15,935 14,404
Total loans held for investment (Note 3) 17,838 16,813
Construction Real Estate [Member] | Nonperforming Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 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 [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0  
Financing Receivable, Prior year 0  
Financing Receivable, Two year prior 0  
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 0 0
Prior 0 0
Term Loans Total 0 0
Revolving Loans 229 229
Total loans held for investment (Note 3) 229 229
Consumer Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 1,647 6,489
Financing Receivable, Prior year 6,115 6,643
Financing Receivable, Two year prior 6,790 8,428
Financing Receivable, Three year prior 7,955 4,240
Financing Receivable, Four year prior 4,513 1,632
Prior 3,134 1,283
Term Loans Total 30,154 28,715
Revolving Loans 778 697
Total loans held for investment (Note 3) 30,932 29,412
Current year-to-date gross write-offs, Current year 0 [1] 0 [2]
Current year-to-date gross write-offs, Prior year 0 [1] 69 [2]
Current year-to-date gross write-offs, Two year prior 27 [1] 111 [2]
Current year-to-date gross write-offs, Three year prior 0 [1] 11 [2]
Current year-to-date gross write-offs, Four year prior 0 [1] 0 [2]
Financing Receivable Originated Writeoffs Five or More Years Before Latest Fiscal Year, Total 0 [1] 2 [2]
Current year-to-date gross write-offs, Term Loans Total 27 [1] 193 [2]
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0 [2]
Current year-to-date gross write-offs, Grand Total 27 [1] 193 [2]
Total nonaccrual loans 36 8
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 1,647 6,489
Financing Receivable, Prior year 6,108 6,636
Financing Receivable, Two year prior 6,766 8,427
Financing Receivable, Three year prior 7,952 4,240
Financing Receivable, Four year prior 4,513 1,632
Prior 3,132 1,283
Term Loans Total 30,118 28,707
Revolving Loans 778 697
Total loans held for investment (Note 3) 30,896 29,404
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 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 [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 7 7
Financing Receivable, Two year prior 24 1
Financing Receivable, Three year prior 3 0
Financing Receivable, Four year prior 0 0
Prior 2 0
Term Loans Total 36 8
Revolving Loans 0 0
Total loans held for investment (Note 3) 36 8
Commercial Real Estate Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 68,191 150,126
Financing Receivable, Prior year 193,401 140,105
Financing Receivable, Two year prior 175,466 120,517
Financing Receivable, Three year prior 385,754 99,381
Financing Receivable, Four year prior 251,927 69,773
Prior 473,108 156,182
Term Loans Total 1,547,847 736,084
Revolving Loans 209,751 165,046
Total loans held for investment (Note 3) 1,757,598 901,130
Current year-to-date gross write-offs, Current year 0 [1] 0
Current year-to-date gross write-offs, Prior year 0 [1] 0
Current year-to-date gross write-offs, Two year prior 0 [1] 0
Current year-to-date gross write-offs, Three year prior 0 [1] 0
Current year-to-date gross write-offs, Four year prior 0 [1] 0
Financing Receivable Originated Writeoffs Five or More Years Before Latest Fiscal Year, Total 0 [1] 0
Current year-to-date gross write-offs, Term Loans Total 0 [1] 0
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0
Current year-to-date gross write-offs, Grand Total 0 [1] 0
Total nonaccrual loans 921  
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 68,191 150,126
Financing Receivable, Prior year 193,289 140,105
Financing Receivable, Two year prior 173,703 120,517
Financing Receivable, Three year prior 376,515 99,381
Financing Receivable, Four year prior 250,344 69,773
Prior 455,879 151,908
Term Loans Total 1,517,921 731,810
Revolving Loans 209,614 165,046
Total loans held for investment (Note 3) 1,727,535 896,856
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 7,866 0
Financing Receivable, Four year prior 1,583 0
Prior 12,803 4,274
Term Loans Total 22,252 4,274
Revolving Loans 0 0
Total loans held for investment (Note 3) 22,252 4,274
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 112 0
Financing Receivable, Two year prior 1,763 0
Financing Receivable, Three year prior 1,373 0
Financing Receivable, Four year prior 0 0
Prior 4,426 0
Term Loans Total 7,674 0
Revolving Loans 137 0
Total loans held for investment (Note 3) 7,811 0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 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]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 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]    
Financing Receivable, Current year 12,931 40,158
Financing Receivable, Prior year 57,706 43,823
Financing Receivable, Two year prior 72,268 56,243
Financing Receivable, Three year prior 176,861 26,086
Financing Receivable, Four year prior 118,450 13,995
Prior 176,804 45,234
Term Loans Total 615,020 225,539
Revolving Loans 107,642 56,162
Total loans held for investment (Note 3) 722,662 281,701
Current year-to-date gross write-offs, Current year 0 [1] 0
Current year-to-date gross write-offs, Prior year 0 [1] 23
Current year-to-date gross write-offs, Two year prior 0 [1] 0
Current year-to-date gross write-offs, Three year prior 4 [1] 1
Current year-to-date gross write-offs, Four year prior 18 [1] 0
Financing Receivable Originated Writeoffs Five or More Years Before Latest Fiscal Year, Total 0 [1] 6
Current year-to-date gross write-offs, Term Loans Total 22 [1] 30
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0
Current year-to-date gross write-offs, Grand Total 22 [1] 30
Total nonaccrual loans 8,479 3,467
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 12,931 40,095
Financing Receivable, Prior year 57,633 43,531
Financing Receivable, Two year prior 71,934 54,379
Financing Receivable, Three year prior 174,010 25,350
Financing Receivable, Four year prior 116,966 13,717
Prior 173,178 45,051
Term Loans Total 606,652 222,123
Revolving Loans 107,531 56,111
Total loans held for investment (Note 3) 714,183 278,234
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 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 [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 63
Financing Receivable, Prior year 73 292
Financing Receivable, Two year prior 334 1,864
Financing Receivable, Three year prior 2,851 736
Financing Receivable, Four year prior 1,484 278
Prior 3,626 183
Term Loans Total 8,368 3,416
Revolving Loans 111 51
Total loans held for investment (Note 3) 8,479 3,467
Loans to other financial institutions [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 2,393 39,878
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 0 0
Prior 0 0
Term Loans Total 2,393 39,878
Revolving Loans 0 0
Total loans held for investment (Note 3) 2,393 39,878
Current year-to-date gross write-offs, Current year 0 [1] 0
Current year-to-date gross write-offs, Prior year 0 [1] 0
Current year-to-date gross write-offs, Two year prior 0 [1] 0
Current year-to-date gross write-offs, Three year prior 0 [1] 0
Current year-to-date gross write-offs, Four year prior 0 [1] 0
Financing Receivable Originated Writeoffs Five or More Years Before Latest Fiscal Year, Total 0 [1] 0
Current year-to-date gross write-offs, Term Loans Total 0 [1] 0
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0
Current year-to-date gross write-offs, Grand Total 0 [1] 0
Loans to other financial institutions [Member] | Performing Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 2,393 39,878
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 0 0
Prior 0 0
Term Loans Total 2,393 39,878
Revolving Loans 0 0
Total loans held for investment (Note 3) 2,393 39,878
Loans to other financial institutions [Member] | Nonperforming Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 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 [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 0 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 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]    
Financing Receivable, Current year 79,275 197,979
Financing Receivable, Prior year 248,223 159,315
Financing Receivable, Two year prior 210,089 154,368
Financing Receivable, Three year prior 434,888 116,921
Financing Receivable, Four year prior 275,055 77,442
Prior 524,955 185,214
Term Loans Total 1,772,485 891,239
Revolving Loans 378,416 286,368
Total loans held for investment (Note 3) 2,150,901 1,177,607
Retail Loans [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 17,461 87,961
Financing Receivable, Prior year 64,719 50,917
Financing Receivable, Two year prior 79,058 64,671
Financing Receivable, Three year prior 184,816 30,848
Financing Receivable, Four year prior 123,478 15,627
Prior 179,938 46,517
Term Loans Total 649,470 296,541
Revolving Loans 124,584 71,492
Total loans held for investment (Note 3) $ 774,054 $ 368,033
[1] It is noted that write-offs in the tables above do not include checking account write-offs. Checking account write-offs during the first three months of 2025 were $106,000 or an annualized $424,000 compared to $607,000 during the full year 2024.
[2] It is noted that write-offs in the tables above do not include checking account write-offs. Checking account write-offs during the first three months of 2025 were $106,000 or an annualized $424,000 compared to $607,000 during the full year 2024.