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Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Schedule of Allowance for Credit Losses | The following tables present the balance sheet activity in the ACL by portfolio segment for loans for the three and nine month periods ended September 30, 2025 and September 30, 2024.
(dollars in thousands) | Balance June 30, 2025 |  |  |  | Charge-Offs |  | Recoveries |  | Provision for credit losses on loans |  | Balance, September 30, 2025
Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |
Construction, land & land development | $ | 1,531 |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | 256 |  |  | $ | 1,787 |
Other commercial real estate | 5,428 |  |  |  |  | (283) |  |  | 10 |  |  | (13) |  |  | 5,142 |
Total commercial real estate | 6,959 |  |  |  |  | (283) |  |  | 10 |  |  | 243 |  |  | 6,929 |
Residential real estate | 5,452 |  |  |  |  | (1) |  |  | 37 |  |  | (1,458) |  |  | 4,030 |
Commercial, financial & agricultural | 3,060 |  |  |  |  | (1,235) |  |  | 25 |  |  | 1,956 |  |  | 3,806 |
Consumer and other | 3,682 |  |  |  |  | (385) |  |  | 5 |  |  | 19 |  |  | 3,321 |
Total allowance for credit losses on loans | $ | 19,153 |  |  |  |  | $ | (1,904) |  |  | $ | 77 |  |  | $ | 760 |  |  | $ | 18,086 |
(dollars in thousands) | Balance June 30, 2024 |  |  |  | Charge-Offs |  | Recoveries |  | Provision for credit losses on loans |  | Balance, September 30, 2024
Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |
Construction, land & land development | $ | 1,295 |  |  |  |  | $ | — |  |  | $ | 13 |  |  | $ | (14) |  |  | $ | 1,294 |
Other commercial real estate | 7,396 |  |  |  |  | — |  |  | 25 |  |  | (375) |  |  | 7,046 |
Total commercial real estate | 8,691 |  |  |  |  | — |  |  | 38 |  |  | (389) |  |  | 8,340 |
Residential real estate | 5,990 |  |  |  |  | (9) |  |  | 45 |  |  | 69 |  |  | 6,095 |
Commercial, financial & agricultural | 2,015 |  |  |  |  | (85) |  |  | 76 |  |  | 885 |  |  | 2,891 |
Consumer and other | 2,110 |  |  |  |  | (215) |  |  | 11 |  |  | 431 |  |  | 2,337 |
Total allowance for credit losses on loans | $ | 18,806 |  |  |  |  | $ | (309) |  |  | $ | 170 |  |  | $ | 996 |  |  | $ | 19,663 |
(dollars in thousands) | Balance December 31, 2024 |  |  |  | Charge-Offs |  | Recoveries |  | Provision for credit losses on loans |  | Balance, September 30, 2025
Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |
Construction, land & land development | $ | 1,306 |  |  |  |  | $ | — |  |  | $ | 1 |  |  | $ | 480 |  |  | 1,787 |
Other commercial real estate | 6,459 |  |  |  |  | (509) |  |  | 20 |  |  | (828) |  |  | 5,142 |
Total commercial real estate | 7,765 |  |  |  |  | (509) |  |  | 21 |  |  | (348) |  |  | 6,929 |
Residential real estate | 5,502 |  |  |  |  | (183) |  |  | 165 |  |  | (1,454) |  |  | 4,030 |
Commercial, financial & agricultural | 2,904 |  |  |  |  | (2,149) |  |  | 88 |  |  | 2,963 |  |  | 3,806 |
Consumer and other | 2,809 |  |  |  |  | (939) |  |  | 24 |  |  | 1,427 |  |  | 3,321 |
Total allowance for credit losses on loans | $ | 18,980 |  |  |  |  | $ | (3,780) |  |  | $ | 298 |  |  | $ | 2,588 |  |  | $ | 18,086 |
(dollars in thousands) | Balance December 31, 2023 |  |  |  | Charge-Offs |  | Recoveries |  | Provision for credit losses on loans |  | Balance, September 30, 2024
Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |
Construction, land & land development | $ | 2,204 |  |  |  |  | $ | — |  |  | $ | 15 |  |  | $ | (925) |  |  | $ | 1,294 |
Other commercial real estate | 7,064 |  |  |  |  | (20) |  |  | 43 |  |  | (41) |  |  | 7,046 |
Total commercial real estate | 9,268 |  |  |  |  | (20) |  |  | 58 |  |  | (966) |  |  | 8,340 |
Residential real estate | 5,105 |  |  |  |  | (349) |  |  | 252 |  |  | 1,087 |  |  | 6,095 |
Commercial, financial & agricultural | 2,110 |  |  |  |  | (1,099) |  |  | 135 |  |  | 1,745 |  |  | 2,891 |
Consumer and other | 1,888 |  |  |  |  | (466) |  |  | 19 |  |  | 896 |  |  | 2,337 |
Total allowance for loan losses | $ | 18,371 |  |  |  |  | $ | (1,934) |  |  | $ | 464 |  |  | $ | 2,762 |  |  | $ | 19,663 |
The following table presents the balance and activity in the allowance for credit losses for unfunded commitments for the three and nine month periods ended September 30, 2025 and September 30, 2024.
| Three Months Ended September 30, | Nine Months Ended September 30,
(dollars in thousands) | 2025 | 2024 | 2025 | 2024
Beginning balance | $ | 935 |  | $ | 1,259 |  | $ | 813 |  | $ | 1,375 |
Provision for (recovery of) unfunded commitments | 140 |  | (246) |  | 262 |  | (362) |
Ending balance | $ | 1,075 |  | $ | 1,013 |  | $ | 1,075 |  | $ | 1,013 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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