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Loans (Tables)
9 Months Ended
Sep. 30, 2025
Receivables [Abstract]  
Loan Balances

Loan balances were as follows:

 

 

 

September 30, 2025

 

 

December 31, 2024

 

Commercial & Agriculture

 

$

302,407

 

 

$

328,488

 

Commercial Real Estate- Owner Occupied

 

 

384,176

 

 

 

374,367

 

Commercial Real Estate- Non-Owner Occupied

 

 

1,216,031

 

 

 

1,225,991

 

Residential Real Estate

 

 

842,362

 

 

 

763,869

 

Real Estate Construction

 

 

278,163

 

 

 

305,992

 

Farm Real Estate

 

 

23,713

 

 

 

23,035

 

Lease Financing Receivables

 

 

38,960

 

 

 

46,900

 

Consumer and Other

 

 

10,182

 

 

 

12,588

 

Total loans

 

 

3,095,994

 

 

 

3,081,230

 

Allowance for credit losses

 

 

(40,254

)

 

 

(39,669

)

Net loans

 

$

3,055,740

 

 

$

3,041,561

 

Schedule of Net Investment in Direct financing and Sales-type leases The net investment in direct financing and sales-type leases was comprised of the following as of September 30, 2025 and December 31, 2024:

 

 

 

September 30, 2025

 

December 31, 2024

 

Minimum lease payments receivable

 

$

43,371

 

$

53,284

 

Unguaranteed residual assets

 

 

857

 

 

1,286

 

Unamortized direct costs

 

 

58

 

 

 

Unearned income

 

 

(5,326

)

 

(7,670

)

Total net investment in direct financing and sales-type leases

 

$

38,960

 

$

46,900