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Loans (Tables)

9 Months Ended

Sep. 30, 2025

Receivables [Abstract]

Schedule of Composition of Loans Segregated by Class of Loans

The following table presents the composition of loans segregated by class of loans, as of September 30, 2025 and December 31, 2024.

(dollars in thousands)			September 30, 2025						December 31, 2024
Construction, land & land development			$	240,819					$	205,046
Other commercial real estate			1,064,984						990,648
Total commercial real estate			1,305,803						1,195,694
Residential real estate			377,058						344,167
Commercial, financial & agricultural			213,274						213,910
Consumer and other			140,921						89,209
Total loans			$	2,037,056					$	1,842,980

The following table presents the composition of government guaranteed loans segregated by class of loans for each respective period.

(dollars in thousands)			September 30, 2025						December 31, 2024
Construction, land & land development			$	2,288					$	2,317
Other commercial real estate			39,179						41,471
Total commercial real estate			41,467						43,788
Residential real estate			13,512						9,348
Commercial, financial & agricultural			30,020						28,500
Total loans			$	84,999					$	81,636

Schedule of Loan Portfolio Segregated by Class of Loans

The following tables present the loan portfolio segregated by class of loans and the risk category of term loans by vintage year, which is the year of origination or most recent renewal, as of September 30, 2025 and December 31, 2024. Those loans with a risk grade of 1, 2, 3, 4, 5 and 98 have been combined in the pass line for presentation purposes. Loans with a risk grade of 7, 8 and 99 have been combined in the substandard line. There were no loans with a risk rating of "doubtful" or "loss" at September 30, 2025 or December 31, 2024.

			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2025						2024						2023						2022						2021						Prior						Revolvers						Revolvers converted to term loans						Total
September 30, 2025
Construction, land & land development
Risk rating
Pass			$	110,671					$	52,124					$	18,968					$	22,300					$	18,426					$	3,808					$	129					$	—					$	226,426
Special Mention			—						—						6,204						6,145						—						400						—						—						12,749
Substandard			—						40						1,132						388						—						84						—						—						1,644
Total Construction, land & land development			110,671						52,164						26,304						28,833						18,426						4,292						129						—						240,819
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Other commercial real estate
Risk rating
Pass			139,562						75,452						71,285						330,790						169,054						241,889						10,488						1,529						1,040,049
Special Mention			—						—						4,536						3,036						—						3,868						—						522						11,962
Substandard			533						4,239						2,226						3,403						516						1,216						637						203						12,973
Total Other commercial real estate			140,095						79,691						78,047						337,229						169,570						246,973						11,125						2,254						1,064,984
Current period gross write offs			—						—						206						278						5						20						—						—						509
Residential real estate
Risk rating
Pass			54,018						17,678						71,554						103,859						40,327						53,175						29,110						808						370,529
Special Mention			370						94						251						—						1,293						2,821						195						—						5,024
Substandard			46						—						254						405						258						542						—						—						1,505
Total Residential real estate			54,434						17,772						72,059						104,264						41,878						56,538						29,305						808						377,058
Current period gross write offs			—						—						—						140						—						43						—						—						183
Commercial, financial & agricultural
Risk rating
Pass			33,240						36,205						33,941						26,001						8,229						18,645						41,936						675						198,872
Special Mention			1,917						250						145						143						—						—						4,000						—						6,455
Substandard			—						88						3,533						1,745						2,047						198						336						—						7,947
Total Commercial, financial & agricultural			35,157						36,543						37,619						27,889						10,276						18,843						46,272						675						213,274
Current period gross write offs			36						399						602						619						433						60						—						—						2,149

Consumer and other
Risk rating
Pass			73,982						33,106						29,866						1,543						490						1,124						553						9						140,673
Special Mention			—						131						—						—						—						—						—						—						131
Substandard			—						51						66						—						—						—						—						—						117
Total Consumer and other			73,982						33,288						29,932						1,543						490						1,124						553						9						140,921
Current period gross write offs			24						745						147						11						—						12						—						—						939
Total Loans
Risk rating
Pass			411,473						214,565						225,614						484,493						236,526						318,641						82,216						3,021						1,976,549
Special Mention			2,287						475						11,136						9,324						1,293						7,089						4,195						522						36,321
Substandard			579						4,418						7,211						5,941						2,821						2,040						973						203						24,186
Total Loans			$	414,339					$	219,458					$	243,961					$	499,758					$	240,640					$	327,770					$	87,384					$	3,746					$	2,037,056
Total current period gross write offs			$	60					$	1,144					$	955					$	1,048					$	438					$	135					$	—					$	—					$	3,780

			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2024						2023						2022						2021						2020						Prior						Revolvers						Revolvers converted to term loans						Total
December 31, 2024
Construction, land & land development
Risk rating
Pass			$	98,269					$	47,378					$	25,930					$	23,193					$	1,979					$	5,379					$	53					$	—					$	202,181
Special Mention			—						2,088						—						—						411						—						281						—						2,780
Substandard			—						—						—						—						—						85						—						—						85
Total Construction, land & land development			98,269						49,466						25,930						23,193						2,390						5,464						334						—						205,046
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Other commercial real estate
Risk rating
Pass			55,169						85,172						343,123						180,568						76,905						194,444						21,341						1,849						958,571
Special Mention			850						1,999						4,288						173						2,344						7,376						610						1,069						18,709
Substandard			4,114						2,586						2,875						459						352						2,419						563						—						13,368
Total Other commercial real estate			60,133						89,757						350,286						181,200						79,601						204,239						22,514						2,918						990,648
Current period gross write offs			—						—						—						—						—						20						—						—						20
Residential real estate
Risk rating
Pass			16,675						76,074						112,784						45,111						18,978						44,892						23,222						926						338,662
Special Mention			—						1,672						374						—						—						1,989						204						—						4,239
Substandard			—						—						442						270						28						526						—						—						1,266
Total Residential real estate			16,675						77,746						113,600						45,381						19,006						47,407						23,426						926						344,167
Current period gross write offs			—						—						400						18						—						9						—						—						427

Commercial, financial & agricultural
Risk rating
Pass			44,380						46,610						33,124						12,322						8,662						16,143						43,051						742						205,034
Special Mention			—						622						2,136						12						—						—						700						—						3,470
Substandard			105						1,612						858						1,904						271						218						433						5						5,406
Total Commercial, financial & agricultural			44,485						48,844						36,118						14,238						8,933						16,361						44,184						747						213,910
Current period gross write offs			138						588						659						986						28						68						—						—						2,467
Consumer and other
Risk rating
Pass			53,500						30,186						2,312						857						530						1,291						456						13						89,145
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			49						—						12						1						2						—						—						—						64
Total Consumer and other			53,549						30,186						2,324						858						532						1,291						456						13						89,209
Current period gross write offs			84						392						81						1						5						41						—						—						604
Total Loans
Risk rating
Pass			267,993						285,420						517,273						262,051						107,054						262,149						88,123						3,530						1,793,593
Special Mention			850						6,381						6,798						185						2,755						9,365						1,795						1,069						29,198
Substandard			4,268						4,198						4,187						2,634						653						3,248						996						5						20,189
Total Loans			$	273,111					$	295,999					$	528,258					$	264,870					$	110,462					$	274,762					$	90,914					$	4,604					$	1,842,980
Total current period gross write offs			$	222					$	980					$	1,140					$	1,005					$	33					$	138					$	—					$	—					$	3,518

Schedule of Aging of Amortized Cost Basis of Loans by Aging Category and Accrual Status

The following table presents an age analysis of past due loans and nonaccrual loans, segregated by class of loans, as of September 30, 2025 and December 31, 2024:

(dollars in thousands)			30-89 Days Past Due						90 Days or More Past Due						Total Accruing Loans Past Due						Nonaccrual Loans						Current Loans						Total Loans
September 30, 2025
Construction, land & land development			$	49					$	—					$	49					$	388					$	240,382					$	240,819
Other commercial real estate			95						—						95						7,533						1,057,356						1,064,984
Total commercial real estate			144						—						144						7,921						1,297,738						1,305,803
Residential real estate			929						—						929						1,214						374,915						377,058
Commercial, financial & agricultural			1,337						—						1,337						5,016						206,921						213,274
Consumer and other			1,103						98						1,201						117						139,603						140,921
Total Loans			$	3,513					$	98					$	3,611					$	14,268					$	2,019,177					$	2,037,056
December 31, 2024
Construction, land & land development			$	544					$	—					$	544					$	—					$	204,502					$	205,046
Other commercial real estate			2,441						—						2,441						4,833						983,374						990,648
Total commercial real estate			2,985						—						2,985						4,833						1,187,876						1,195,694
Residential real estate			3,689						—						3,689						1,204						339,274						344,167
Commercial, financial & agricultural			1,348						—						1,348						4,559						208,003						213,910
Consumer and other			339						152						491						64						88,654						89,209
Total Loans			$	8,361					$	152					$	8,513					$	10,660					$	1,823,807					$	1,842,980

Schedule of Nonaccrual Loans

The following tables display a summary of the Company's nonaccrual loans by major categories for the periods indicated.

			September 30, 2025
(dollars in thousands)			Nonaccrual Loans with No Related ACL						Nonaccrual Loans with a Related ACL						Total Nonaccrual Loans
Construction, land & land development			$	—					$	388					$	388
Other commercial real estate			5,756						1,777						7,533
Total commercial real estate			5,756						2,165						7,921
Residential real estate			—						1,214						1,214
Commercial, financial & agricultural			1,872						3,144						5,016
Consumer and other			—						117						117
Total Loans			$	7,628					$	6,640					$	14,268

			December 31, 2024
(dollars in thousands)			Nonaccrual Loans with No Related ACL						Nonaccrual Loans with a Related ACL						Total Nonaccrual Loans
Construction, land & land development			$	—					$	—					$	—
Other commercial real estate			1,482						3,351						4,833
Total commercial real estate			1,482						3,351						4,833
Residential real estate			—						1,204						1,204
Commercial, financial & agricultural			—						4,559						4,559
Consumer and other			—						64						64
Total Loans			$	1,482					$	9,178					$	10,660

Schedule of Loans Modified Due to Financial Difficulty

The following tables present loans modified due to a financial difficulty under the above terms during the three and nine month periods ended September 30, 2025 and September 30, 2024.

			Three months ended September 30, 2025
(dollars in thousands)			Term Extension						Payment Delay						Term Extension and Payment Delay						Total*
Commercial, financial & agricultural			—						888						—						888
Total Loans			$	—					$	888					$	—					$	888
*less than 0.04% of total class of receivable

There was one commercial, financial & agricultural loan which was given a payment delay during the three months ended September 30, 2025.

			Three months ended September 30, 2024
(dollars in thousands)			Term Extension						Payment Delay						Term Extension and Payment Delay						Total*
Other commercial real estate			224						—						—						224
Commercial, financial & agricultural			$	—					$	1,114					$	558					$	1,672
Total Loans			$	224					$	1,114					$	558					$	1,896
*less than 0.10% of total class of receivable

There were a total of six loans in the above categories for the three months ended September 30, 2024. The commercial real estate category consisted of one loan which was given a term extension of one year. The commercial, financial & agricultural category consisted of five loans, three of which had been given payment delays and two SBSL loans which were each given payment delays and term extensions of ten years.

			Nine months ended September 30, 2025
(dollars in thousands)			Term Extension						Payment Delay						Term Extension and Payment Delay						Total*
Commercial, financial & agricultural			—						888						—						888
Total Loans			$	—					$	888					$	—					$	888
*less than 0.04% of total class of receivable

There was one commercial, financial & agricultural loan which was given a payment delay during the nine months ended September 30, 2025.

			Nine months ended September 30, 2024
(dollars in thousands)			Term Extension						Payment Delay						Term Extension and Payment Delay						Total*
Other commercial real estate			$	355					$	—					$	144					$	499
Commercial, financial & agricultural			—						1,482						597						2,079
Total Loans			$	355					$	1,482					$	741					$	2,578
*less than 0.14% of total class of receivable

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