XML 50 R44.htm IDEA: XBRL DOCUMENT v3.25.3
Loans and Allowance for Credit Losses - Schedule of Information Regarding Credit Exposure (Details) - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year $ 892 $ 121
Total loans held for investment (Note 3) 2,909,928 1,545,640
Agricultural [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 3,743 7,669
Financing Receivable, Prior year 4,209 1,729
Financing Receivable, Two year prior 1,858 2,998
Financing Receivable, Three year prior 3,706 2,867
Financing Receivable, Four year prior 4,952 1,545
Prior 19,921 18,747
Term Loans Total 38,389 35,555
Revolving Loans 12,794 12,666
Total loans held for investment (Note 3) 51,183 48,221
Current year-to-date gross write-offs, Current year 0 [1] 0 [2]
Current year-to-date gross write-offs, Prior year 0 [1] 0 [2]
Current year-to-date gross write-offs, Two year prior 0 [1] 0 [2]
Current year-to-date gross write-offs, Three year prior 0 [1] 0 [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] 0 [2]
Current year-to-date gross write-offs, Term Loans Total 0 [1] 0 [2]
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0 [2]
Current year-to-date gross write-offs, Grand Total 0 [1] 0 [2]
Agricultural [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 3,743 7,669
Financing Receivable, Prior year 4,209 1,729
Financing Receivable, Two year prior 1,858 2,998
Financing Receivable, Three year prior 3,706 2,867
Financing Receivable, Four year prior 4,952 1,545
Prior 19,586 18,573
Term Loans Total 38,054 35,381
Revolving Loans 12,794 12,666
Total loans held for investment (Note 3) 50,848 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 157 174
Term Loans Total 157 174
Revolving Loans 0 0
Total loans held for investment (Note 3) 157 174
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 178 0
Term Loans Total 178 0
Revolving Loans 0 0
Total loans held for investment (Note 3) 178 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 43,364 40,184
Financing Receivable, Prior year 45,126 17,481
Financing Receivable, Two year prior 24,588 30,853
Financing Receivable, Three year prior 38,018 14,673
Financing Receivable, Four year prior 15,198 6,124
Prior 25,403 10,285
Term Loans Total 191,697 119,600
Revolving Loans 161,179 108,656
Total loans held for investment (Note 3) 352,876 228,256
Current year-to-date gross write-offs, Current year 0 [1] 0 [2]
Current year-to-date gross write-offs, Prior year 0 [1] 0 [2]
Current year-to-date gross write-offs, Two year prior 9 [1] 0 [2]
Current year-to-date gross write-offs, Three year prior 0 [1] 0 [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] 7 [2]
Current year-to-date gross write-offs, Term Loans Total 9 [1] 7 [2]
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0 [2]
Current year-to-date gross write-offs, Grand Total 9 [1] 7 [2]
Commercial and Industrial [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 43,364 40,184
Financing Receivable, Prior year 44,434 17,481
Financing Receivable, Two year prior 18,784 30,769
Financing Receivable, Three year prior 37,820 14,659
Financing Receivable, Four year prior 13,564 6,100
Prior 23,539 10,110
Term Loans Total 181,505 119,303
Revolving Loans 158,391 108,656
Total loans held for investment (Note 3) 339,896 227,959
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 0
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 152 0
Financing Receivable, Four year prior 163 0
Prior 106 4,274
Term Loans Total 421 4,274
Revolving Loans 0 0
Total loans held for investment (Note 3) 421 4,274
Commercial and Industrial [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 0 0
Financing Receivable, Prior year 692 0
Financing Receivable, Two year prior 5,804 0
Financing Receivable, Three year prior 46 0
Financing Receivable, Four year prior 1,471 0
Prior 1,758 1
Term Loans Total 9,771 1
Revolving Loans 2,788 0
Total loans held for investment (Note 3) 12,559 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
Commercial Real Estate Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 156,993 150,126
Financing Receivable, Prior year 180,751 140,105
Financing Receivable, Two year prior 143,633 120,517
Financing Receivable, Three year prior 361,704 99,381
Financing Receivable, Four year prior 237,736 69,773
Prior 424,882 156,182
Term Loans Total 1,505,699 736,084
Revolving Loans 223,075 165,046
Total loans held for investment (Note 3) 1,728,774 901,130
Current year-to-date gross write-offs, Current year 0 [1] 0 [2]
Current year-to-date gross write-offs, Prior year 0 [1] 0 [2]
Current year-to-date gross write-offs, Two year prior 36 [1] 0 [2]
Current year-to-date gross write-offs, Three year prior 257 [1] 0 [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 100 [1] 0 [2]
Current year-to-date gross write-offs, Term Loans Total 393 [1] 0 [2]
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0 [2]
Current year-to-date gross write-offs, Grand Total 393 [1] 0 [2]
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 156,993 150,126
Financing Receivable, Prior year 180,641 140,105
Financing Receivable, Two year prior 141,991 120,517
Financing Receivable, Three year prior 338,974 99,381
Financing Receivable, Four year prior 236,175 69,773
Prior 415,475 151,908
Term Loans Total 1,470,249 731,810
Revolving Loans 223,075 165,046
Total loans held for investment (Note 3) 1,693,324 896,856
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  
Financing Receivable, Two year prior 212 84
Financing Receivable, Three year prior 14,068 14
Financing Receivable, Four year prior 1,561 24
Prior 5,199 174
Term Loans Total 21,040 296
Revolving Loans 0  
Total loans held for investment (Note 3) 21,040 296
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 110 0
Financing Receivable, Two year prior 1,430 0
Financing Receivable, Three year prior 8,662 0
Financing Receivable, Four year prior 0 0
Prior 4,208 0
Term Loans Total 14,410 0
Revolving Loans 0 0
Total loans held for investment (Note 3) 14,410 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
Consumer Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 5,167 6,489
Financing Receivable, Prior year 4,176 6,643
Financing Receivable, Two year prior 5,221 8,428
Financing Receivable, Three year prior 6,320 4,240
Financing Receivable, Four year prior 3,348 1,632
Prior 2,341 1,283
Term Loans Total 26,573 28,715
Revolving Loans 755 697
Total loans held for investment (Note 3) 27,328 29,412
Current year-to-date gross write-offs, Current year 9 [1] 0 [2]
Current year-to-date gross write-offs, Prior year 37 [1] 69 [2]
Current year-to-date gross write-offs, Two year prior 76 [1] 111 [2]
Current year-to-date gross write-offs, Three year prior 11 [1] 11 [2]
Current year-to-date gross write-offs, Four year prior 6 [1] 0 [2]
Financing Receivable Originated Writeoffs Five or More Years Before Latest Fiscal Year, Total 7 [1] 2 [2]
Current year-to-date gross write-offs, Term Loans Total 146 [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 146 [1] 193 [2]
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 5,167 6,489
Financing Receivable, Prior year 4,176 6,636
Financing Receivable, Two year prior 5,208 8,427
Financing Receivable, Three year prior 6,320 4,240
Financing Receivable, Four year prior 3,321 1,632
Prior 2,333 1,283
Term Loans Total 26,525 28,707
Revolving Loans 754 697
Total loans held for investment (Note 3) 27,279 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 0 7
Financing Receivable, Two year prior 13 1
Financing Receivable, Three year prior 0 0
Financing Receivable, Four year prior 27 0
Prior 8 0
Term Loans Total 48 8
Revolving Loans 1 0
Total loans held for investment (Note 3) 49 8
Construction Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 2,067 1,436
Financing Receivable, Prior year 1,179 451
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 522
Financing Receivable, Four year prior 501 0
Prior 0 0
Term Loans Total 3,747 2,409
Revolving Loans 14,694 14,633
Total loans held for investment (Note 3) 18,441 17,042
Current year-to-date gross write-offs, Current year 0 [1] 0 [2]
Current year-to-date gross write-offs, Prior year 0 [1] 0 [2]
Current year-to-date gross write-offs, Two year prior 0 [1] 0 [2]
Current year-to-date gross write-offs, Three year prior 0 [1] 0 [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] 0 [2]
Current year-to-date gross write-offs, Term Loans Total 0 [1] 0 [2]
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0 [2]
Current year-to-date gross write-offs, Grand Total 0 [1] 0 [2]
Construction Real Estate [Member] | Performing Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 2,067 1,436
Financing Receivable, Prior year 1,179 451
Financing Receivable, Two year prior 0 0
Financing Receivable, Three year prior 0 522
Financing Receivable, Four year prior 501 0
Prior 0 0
Term Loans Total 3,747 2,409
Revolving Loans 14,584 14,404
Total loans held for investment (Note 3) 18,331 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 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 110 229
Total loans held for investment (Note 3) 110 229
Residential Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 52,954 40,158
Financing Receivable, Prior year 55,911 43,823
Financing Receivable, Two year prior 65,153 56,243
Financing Receivable, Three year prior 165,795 26,086
Financing Receivable, Four year prior 111,725 13,995
Prior 163,334 45,234
Term Loans Total 614,872 225,539
Revolving Loans 113,971 56,162
Total loans held for investment (Note 3) 728,843 281,701
Current year-to-date gross write-offs, Current year 0 [1] 0 [2]
Current year-to-date gross write-offs, Prior year 0 [1] 23 [2]
Current year-to-date gross write-offs, Two year prior 17 [1] 0 [2]
Current year-to-date gross write-offs, Three year prior 4 [1] 1 [2]
Current year-to-date gross write-offs, Four year prior 30 [1] 0 [2]
Financing Receivable Originated Writeoffs Five or More Years Before Latest Fiscal Year, Total 1 [1] 6 [2]
Current year-to-date gross write-offs, Term Loans Total 52 [1] 30 [2]
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0 [2]
Current year-to-date gross write-offs, Grand Total 52 [1] 30 [2]
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 52,954 40,095
Financing Receivable, Prior year 55,531 43,531
Financing Receivable, Two year prior 64,393 54,379
Financing Receivable, Three year prior 162,816 25,350
Financing Receivable, Four year prior 109,639 13,717
Prior 161,232 45,051
Term Loans Total 606,565 222,123
Revolving Loans 113,536 56,111
Total loans held for investment (Note 3) 720,101 278,234
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 380 292
Financing Receivable, Two year prior 760 1,864
Financing Receivable, Three year prior 2,979 736
Financing Receivable, Four year prior 2,086 278
Prior 2,102 183
Term Loans Total 8,307 3,416
Revolving Loans 435 51
Total loans held for investment (Note 3) 8,742 3,467
Loans to other financial institutions [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 2,483 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 2,483 39,878
Revolving Loans 0 0
Total loans held for investment (Note 3) 2,483 39,878
Current year-to-date gross write-offs, Current year 0 [1] 0 [2]
Current year-to-date gross write-offs, Prior year 0 [1] 0 [2]
Current year-to-date gross write-offs, Two year prior 0 [1] 0 [2]
Current year-to-date gross write-offs, Three year prior 0 [1] 0 [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] 0 [2]
Current year-to-date gross write-offs, Term Loans Total 0 [1] 0 [2]
Current year-to-date gross write-offs, Revolving Loans 0 [1] 0 [2]
Current year-to-date gross write-offs, Grand Total 0 [1] 0 [2]
Loans to other financial institutions [Member] | Performing Financial Instruments [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 2,483 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 2,483 39,878
Revolving Loans 0 0
Total loans held for investment (Note 3) 2,483 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 204,100 197,979
Financing Receivable, Prior year 230,086 159,315
Financing Receivable, Two year prior 170,079 154,368
Financing Receivable, Three year prior 403,428 116,921
Financing Receivable, Four year prior 257,886 77,442
Prior 470,206 185,214
Term Loans Total 1,735,785 891,239
Revolving Loans 397,048 286,368
Total loans held for investment (Note 3) 2,132,833 1,177,607
Retail Loans [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Financing Receivable, Current year 62,671 87,961
Financing Receivable, Prior year 61,266 50,917
Financing Receivable, Two year prior 70,374 64,671
Financing Receivable, Three year prior 172,115 30,848
Financing Receivable, Four year prior 115,574 15,627
Prior 165,675 46,517
Term Loans Total 647,675 296,541
Revolving Loans 129,420 71,492
Total loans held for investment (Note 3) $ 777,095 $ 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 nine months of 2025 were $440,000 or an annualized $587,000 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 were $607,000 during the full year 2024.