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Loans (Tables) | 6 Months Ended
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Jun. 30, 2025
Receivables [Abstract] |
Schedule of Composition of Loan Portfolio | The following table shows the composition of the Company's loan portfolio by class of financing receivable as of June 30, 2025 and 2024 and at December 31, 2024:
| June 30, 2025 |  | December 31, 2024 |  | June 30, 2024 |
Commercial |  |  |  |  |  |  |  |  |
Real estate owner occupied | $ | 371,332,000 |  | 15.5 |  | % | $ | 358,588,000 |  | 15.3 |  | % | $ | 341,043,000 |  | 15.1 |  | %
Real estate non-owner occupied | 424,610,000 |  | 17.7 |  | % | 403,899,000 |  | 17.3 |  | % | 406,480,000 |  | 18.1 |  | %
Construction | 53,077,000 |  | 2.2 |  | % | 99,717,000 |  | 4.3 |  | % | 98,726,000 |  | 4.4 |  | %
C&I | 381,434,000 |  | 16.0 |  | % | 365,817,000 |  | 15.6 |  | % | 330,542,000 |  | 14.7 |  | %
Multifamily | 136,951,000 |  | 5.7 |  | % | 108,732,000 |  | 4.6 |  | % | 105,704,000 |  | 4.7 |  | %
Agriculture | 52,931,000 |  | 2.2 |  | % | 52,219,000 |  | 2.2 |  | % | 48,748,000 |  | 2.2 |  | %
Municipal | 62,924,000 |  | 2.6 |  | % | 61,827,000 |  | 2.6 |  | % | 62,105,000 |  | 2.8 |  | %
Residential |  |  |  |  |  |  |  |  |
Term | 724,330,000 |  | 30.3 |  | % | 710,807,000 |  | 30.4 |  | % | 686,006,000 |  | 30.5 |  | %
Construction | 31,579,000 |  | 1.3 |  | % | 35,481,000 |  | 1.5 |  | % | 35,574,000 |  | 1.6 |  | %
Home Equity |  |  |  |  |  |  |  |  |
Revolving and term | 134,280,000 |  | 5.6 |  | % | 123,063,000 |  | 5.3 |  | % | 112,228,000 |  | 5.0 |  | %
Consumer | 20,559,000 |  | 0.9 |  | % | 20,790,000 |  | 0.9 |  | % | 20,514,000 |  | 0.9 |  | %
Total | $ | 2,394,007,000 |  | 100.0 |  | % | $ | 2,340,940,000 |  | 100.0 |  | % | $ | 2,247,670,000 |  | 100.0 |  | %
Schedule of Past Due Loans Aging | For all loan classes, loans over 30 days past due are considered delinquent. Information on the past-due status of loans by class of financing receivable as of June 30, 2025, is presented in the following table:
| 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due | All Past Due | Current | Total | 90+ Days & Accruing
Commercial |  |  |  |  |  |  |
Real estate owner occupied | $ | 395,000 |  | $ | — |  | $ | — |  | $ | 395,000 |  | $ | 370,937,000 |  | $ | 371,332,000 |  | $ | — |
Real estate non-owner occupied | — |  | — |  | — |  | — |  | 424,610,000 |  | 424,610,000 |  | — |
Construction | — |  | — |  | — |  | — |  | 53,077,000 |  | 53,077,000 |  | — |
C&I | 480,000 |  | 14,000 |  | 710,000 |  | 1,204,000 |  | 380,230,000 |  | 381,434,000 |  | — |
Multifamily | — |  | — |  | — |  | — |  | 136,951,000 |  | 136,951,000 |  | — |
Agriculture | — |  | — |  | — |  | — |  | 52,931,000 |  | 52,931,000 |  | — |
Municipal | — |  | — |  | — |  | — |  | 62,924,000 |  | 62,924,000 |  | — |
Residential |  |  |  |  |  |  |
Term | 309,000 |  | 822,000 |  | 1,307,000 |  | 2,438,000 |  | 721,892,000 |  | 724,330,000 |  | 341,000 |
Construction | — |  | — |  | — |  | — |  | 31,579,000 |  | 31,579,000 |  | — |
Home equity |  |  |  |  |  |  |
Revolving and term | 494,000 |  | 262,000 |  | 126,000 |  | 882,000 |  | 133,398,000 |  | 134,280,000 |  | — |
Consumer | 302,000 |  | 139,000 |  | 205,000 |  | 646,000 |  | 19,913,000 |  | 20,559,000 |  | 116,000 |
Total | $ | 1,980,000 |  | $ | 1,237,000 |  | $ | 2,348,000 |  | $ | 5,565,000 |  | $ | 2,388,442,000 |  | $ | 2,394,007,000 |  | $ | 457,000 |
Information on the past-due status of loans by class of financing receivable as of December 31, 2024, is presented in the following table:
| 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due | All Past Due | Current | Total | 90+ Days & Accruing
Commercial |  |  |  |  |  |  |
Real estate owner occupied | $ | — |  | $ | 257,000 |  | $ | 292,000 |  | $ | 549,000 |  | $ | 358,039,000 |  | $ | 358,588,000 |  | $ | — |
Real estate non-owner occupied | — |  | — |  | — |  | — |  | 403,899,000 |  | 403,899,000 |  | — |
Construction | — |  | — |  | — |  | — |  | 99,717,000 |  | 99,717,000 |  | — |
C&I | 346,000 |  | 1,112,000 |  | 540,000 |  | 1,998,000 |  | 363,819,000 |  | 365,817,000 |  | 10,000 |
Multifamily | — |  | — |  | — |  | — |  | 108,732,000 |  | 108,732,000 |  | — |
Agriculture | 115,000 |  | — |  | — |  | 115,000 |  | 52,104,000 |  | 52,219,000 |  | — |
Municipal | — |  | — |  | — |  | — |  | 61,827,000 |  | 61,827,000 |  | — |
Residential |  |  |  |  |  |  |
Term | 137,000 |  | 2,614,000 |  | 935,000 |  | 3,686,000 |  | 707,121,000 |  | 710,807,000 |  | 778,000 |
Construction | 390,000 |  | — |  | — |  | 390,000 |  | 35,091,000 |  | 35,481,000 |  | — |
Home equity |  |  |  |  |  |  |
Revolving and term | 1,074,000 |  | 368,000 |  | 94,000 |  | 1,536,000 |  | 121,527,000 |  | 123,063,000 |  | — |
Consumer | 592,000 |  | 285,000 |  | 232,000 |  | 1,109,000 |  | 19,681,000 |  | 20,790,000 |  | 232,000 |
Total | $ | 2,654,000 |  | $ | 4,636,000 |  | $ | 2,093,000 |  | $ | 9,383,000 |  | $ | 2,331,557,000 |  | $ | 2,340,940,000 |  | $ | 1,020,000 |
Information on the past-due status of loans by class of financing receivable as of June 30, 2024, is presented in the following table:
| 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due | All Past Due | Current | Total | 90+ Days & Accruing
Commercial |  |  |  |  |  |  |
Real estate owner occupied | $ | 503,000 |  | $ | 64,000 |  | $ | 383,000 |  | $ | 950,000 |  | $ | 340,093,000 |  | $ | 341,043,000 |  | $ | — |
Real estate non-owner occupied | — |  | — |  | — |  | — |  | 406,480,000 |  | 406,480,000 |  | — |
Construction | — |  | — |  | — |  | — |  | 98,726,000 |  | 98,726,000 |  | — |
C&I | 585,000 |  | — |  | 37,000 |  | 622,000 |  | 329,920,000 |  | 330,542,000 |  | 19,000 |
Multifamily | — |  | — |  | — |  | — |  | 105,704,000 |  | 105,704,000 |  | — |
Agriculture | — |  | — |  | — |  | — |  | 48,748,000 |  | 48,748,000 |  | — |
Municipal | — |  | — |  | — |  | — |  | 62,105,000 |  | 62,105,000 |  | — |
Residential |  |  |  |  |  |  |
Term | 110,000 |  | 232,000 |  | 446,000 |  | 788,000 |  | 685,218,000 |  | 686,006,000 |  | 48,000 |
Construction | — |  | — |  | — |  | — |  | 35,574,000 |  | 35,574,000 |  | — |
Home equity |  |  |  |  |  |  |
Revolving and term | 553,000 |  | 127,000 |  | 67,000 |  | 747,000 |  | 111,481,000 |  | 112,228,000 |  | — |
Consumer | 147,000 |  | 44,000 |  | 20,000 |  | 211,000 |  | 20,303,000 |  | 20,514,000 |  | 20,000 |
Total | $ | 1,898,000 |  | $ | 467,000 |  | $ | 953,000 |  | $ | 3,318,000 |  | $ | 2,244,352,000 |  | $ | 2,247,670,000 |  | $ | 87,000 |
Schedule of Nonaccrual Loans | The following table presents the amortized cost basis of loans on non-accrual status as of June 30, 2025, December 31, 2024 and June 30, 2024:
| June 30, 2025 | December 31, 2024 | June 30, 2024
| Non-accrual with Allowance for Credit Loss | Non-accrual with no Allowance for Credit Loss | Total Non-accrual | Non-accrual with Allowance for Credit Loss | Non-accrual with no Allowance for Credit Loss | Total Non-accrual | Non-accrual with Allowance for Credit Loss | Non-accrual with no Allowance for Credit Loss | Total Non-accrual
Commercial |  |  |  |  |  |  |  |  |
Real estate owner occupied | $ | — |  | $ | 522,000 |  | $ | 522,000 |  | $ | — |  | $ | 553,000 |  | $ | 553,000 |  | $ | — |  | $ | 383,000 |  | $ | 383,000 |
Real estate non-owner occupied | — |  | 61,000 |  | 61,000 |  | — |  | 61,000 |  | 61,000 |  | — |  | — |  | — |
Construction | — |  | 17,000 |  | 17,000 |  | — |  | 18,000 |  | 18,000 |  | — |  | 19,000 |  | 19,000 |
C&I | 326,000 |  | 1,249,000 |  | 1,575,000 |  | 1,359,000 |  | 336,000 |  | 1,695,000 |  | — |  | 111,000 |  | 111,000 |
Multifamily | — |  | 15,000 |  | 15,000 |  | — |  | — |  | — |  | — |  | — |  | — |
Agriculture | — |  | 103,000 |  | 103,000 |  | — |  | 31,000 |  | 31,000 |  | — |  | 32,000 |  | 32,000 |
Municipal | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |  |  |  |  |
Term | — |  | 3,193,000 |  | 3,193,000 |  | — |  | 1,599,000 |  | 1,599,000 |  | — |  | 1,731,000 |  | 1,731,000 |
Construction | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Home equity |  |  |  |  |  |  |  |  |
Revolving and term | — |  | 553,000 |  | 553,000 |  | — |  | 291,000 |  | 291,000 |  | — |  | 288,000 |  | 288,000 |
Consumer | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 326,000 |  | $ | 5,713,000 |  | $ | 6,039,000 |  | $ | 1,359,000 |  | $ | 2,889,000 |  | $ | 4,248,000 |  | $ | — |  | $ | 2,564,000 |  | $ | 2,564,000 |
Schedule of Individually Analyzed Loans by Class of Financing Receivable | The following table presents the amortized cost basis of collateral-dependent loans as of June 30, 2025, December 31, 2024 and June 30, 2024, by collateral type:
| June 30, 2025 | December 31, 2024 | June 30, 2024
| Collateral Type | Collateral Type | Collateral Type
| Commercial Real Estate | Residential Real Estate | Other |  | Commercial Real Estate | Residential Real Estate | Other |  | Commercial Real Estate | Residential Real Estate |
Commercial |  |  |  |  |  |  |  |  |  |  |
Real estate owner occupied | $ | 249,000 |  | $ | — |  | $ | — |  |  | $ | 263,000 |  | $ | — |  | $ | — |  |  | $ | 283,000 |  | $ | — |  |
Real estate non-owner occupied | 61,000 |  | — |  | — |  |  | 67,000 |  | — |  | — |  |  | — |  | — |  |
Construction | — |  | — |  | — |  |  | — |  | — |  | — |  |  | — |  | — |  |
C&I | — |  | — |  | 1,394,000 |  |  | — |  | — |  | 1,438,000 |  |  | — |  | — |  |
Multifamily | — |  | — |  | — |  |  | — |  | — |  | — |  |  | — |  | — |  |
Agriculture | — |  | — |  | — |  |  | — |  | — |  | — |  |  | — |  | — |  |
Municipal | — |  | — |  | — |  |  | — |  | — |  | — |  |  | — |  | — |  |
Residential |  |  |  |  |  |  |  |  |  |  |
Term | — |  | 2,081,000 |  | — |  |  | — |  | 558,000 |  | — |  |  | — |  | 569,000 |  |
Construction | — |  | — |  | — |  |  | — |  | — |  | — |  |  | — |  | — |  |
Home equity |  |  |  |  |  |  |  |  |  |  |
Revolving and term | — |  | — |  | — |  |  | — |  | — |  | — |  |  | — |  | — |  |
Consumer | — |  | — |  | — |  |  | — |  | — |  | — |  |  | — |  | — |  |
Total | $ | 310,000 |  | $ | 2,081,000 |  | $ | 1,394,000 |  |  | $ | 330,000 |  | $ | 558,000 |  | $ | 1,438,000 |  |  | $ | 283,000 |  | $ | 569,000 |  |
Schedule of Troubled Debt Restructurings on Financing Receivables | The following table represents loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the three months ended June 30, 2025:
Amortized Cost Basis
| Payment Deferral | Term Extension |  |  | Combination Payment Deferral and Term Extension | Combination Payment Deferral and Rate Mod | Combination of Payment Deferral, Term & Rate Mod | % of Total Class of Financing Receivable
Commercial |  |  |  |  |  |  |  |
Real estate owner occupied | $ | — |  | $ | — |  |  |  | $ | 337,000 |  | $ | — |  | $ | — |  | 0.09 | %
Real estate non-owner occupied | — |  | — |  |  |  | — |  | 61,000 |  | 1,285,000 |  | 0.32 | %
Construction | — |  | — |  |  |  | — |  | — |  | — |  | — | %
C&I | 212,000 |  | — |  |  |  | 189,000 |  | 471,000 |  | — |  | 0.23 | %
Multifamily | — |  | — |  |  |  | — |  | — |  | — |  | — | %
Agriculture | 179,000 |  | — |  |  |  | — |  | — |  | — |  | 0.34 | %
Municipal | — |  | — |  |  |  | — |  | — |  | — |  | — | %
Residential |  |  |  |  |  |  |  |
Term | — |  | — |  |  |  | 972,000 |  | — |  | 357,000 |  | 0.18 | %
Construction | — |  | — |  |  |  | — |  | — |  | — |  | — | %
Home Equity |  |  |  |  |  |  |  |
Revolving and term | — |  | — |  |  |  | 367,000 |  | — |  | — |  | 0.27 | %
Consumer | — |  | — |  |  |  | — |  | — |  | — |  | — | %
Total | $ | 391,000 |  | $ | — |  |  |  | $ | 1,865,000 |  | $ | 532,000 |  | $ | 1,642,000 |  |
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended June 30, 2025:
| Payment Deferral
| Financial Effect
Commercial |
C&I | Temporary payment accommodations, 5 yr balloon payment
Agriculture | Payments deferred for 6 months
| Combination Payment Deferral and Term Extension
| Financial Effect
Commercial |
Real estate owner occupied | Temporary payment accommodation, payments deferred to end of loan.
C&I | Temporary payment accommodation, payments deferred to end of loan.
Residential |
Term | Temporary payment accommodation, payments deferred to end of loan.
Home Equity |
Revolving and term | Temporary payment accommodation, payments deferred to end of loan.
| Combination Payment Deferral and Rate Mod
| Financial Effect
Commercial |
Real estate non-owner occupied | Payments deferred for 6 months; rate reduction to 2.0%
C&I | Payments deferred for 6 months; rate reduction to 2.0%
| Combination of Payment Deferral, Term & Rate Mod
| Financial Effect
Commercial |
Real estate non-owner occupied | Seasonal payments, 5 yr balloon; 60 month term, 120 month amort; WSJP 0.50%
Residential |
Term | Seasonal payments, 3 yr balloon; 36 month term, 300 month amort; fixed rate
The following table represents loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the six months ended June 30, 2025:
Amortized Cost Basis
| Payment Deferral | Term Extension |  |  | Combination Payment Deferral and Term Extension | Combination Payment Deferral and Rate Mod | Combination of Payment Deferral, Term & Rate Mod | % of Total Class of Financing Receivable
Commercial |  |  |  |  |  |  |  |
Real estate owner occupied | $ | 156,000 |  | $ | — |  |  |  | $ | 337,000 |  | $ | — |  | $ | — |  | 0.13 | %
Real estate non-owner occupied | — |  | 364,000 |  |  |  | — |  | 61,000 |  | 1,285,000 |  | 0.40 | %
Construction | — |  | — |  |  |  | — |  | — |  | — |  | — | %
C&I | 285,000 |  | — |  |  |  | 189,000 |  | 471,000 |  | — |  | 0.25 | %
Multifamily | 908,000 |  | — |  |  |  | — |  | — |  | — |  | 0.66 | %
Agriculture | 1,715,000 |  | — |  |  |  | — |  | — |  | — |  | 3.24 | %
Municipal | — |  | — |  |  |  | — |  | — |  | — |  | — | %
Residential |  |  |  |  |  |  |  |
Term | — |  | — |  |  |  | 972,000 |  | — |  | 357,000 |  | 0.18 | %
Construction | — |  | — |  |  |  | — |  | — |  | — |  | — | %
Home Equity |  |  |  |  |  |  |  |
Revolving and term | — |  | — |  |  |  | 367,000 |  | — |  | — |  | 0.27 | %
Consumer | — |  | — |  |  |  | — |  | — |  | — |  | — | %
Total | $ | 3,064,000 |  | $ | 364,000 |  |  |  | $ | 1,865,000 |  | $ | 532,000 |  | $ | 1,642,000 |  |
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the six months ended June 30, 2025:
| Payment Deferral
| Financial Effect
Commercial |
Real estate owner occupied | Temporary payment accommodation - payments deferred to end of loan; 5 yr balloon payment
C&I | Temporary payment accommodation, payments deferred to end of loan.
Multifamily | Temporary payment accommodation, payments deferred to end of loan.
Agriculture | Temporary payment accommodation - payments deferred to end of loan; payments deferred for 6 months
| Term Extension
| Financial Effect
Commercial |
Real estate non-owner occupied | Temporary payment accommodation, extended term 6 months.
| Combination Payment Deferral and Term Extension
| Financial Effect
Commercial |
Real estate owner occupied | Temporary payment accommodation, payments deferred to end of loan.
C&I | Temporary payment accommodation, payments deferred to end of loan.
Residential |
Term | Temporary payment accommodation, payments deferred to end of loan.
Home Equity |
Revolving and term | Temporary payment accommodation, payments deferred to end of loan.
| Combination of Payment Deferral & Rate Mod
| Financial Effect
Commercial |
Real estate non-owner occupied | Payments deferred for 6 months; rate reduction to 2.0%
C&I | Payments deferred for 6 months; rate reduction to 2.0%
| Combination of Payment Deferral, Term & Rate Mod
| Financial Effect
Commercial |
Real estate non-owner occupied | Seasonal payments, 5 yr balloon; 60 month term, 120 month amort; WSJP 0.50%
Residential |
Term | Seasonal payments, 3 yr balloon; 36 month term, 300 month amort; fixed rate
The following table represents loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the three months ended June 30, 2024:
Amortized Cost Basis
| Payment Deferral | Term Extension | Interest Rate Reduction | Principal Forgiveness | Combination Payment Deferral and Term Extension | % of Total Class of Financing Receivable
Commercial |  |  |  |  |  |
Real estate owner occupied | $ | 635,000 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | 0.19 | %
Real estate non-owner occupied | — |  | — |  | — |  | — |  | — |  | — | %
Construction | — |  | — |  | — |  | — |  | — |  | — | %
C&I | 177,000 |  | — |  | — |  | — |  | 170,000 |  | 0.11 | %
Multifamily | — |  | — |  | — |  | — |  | — |  | — | %
Agriculture | — |  | — |  | — |  | — |  | — |  | — | %
Municipal | — |  | — |  | — |  | — |  | — |  | — | %
Residential |  |  |  |  |  |
Term | — |  | — |  | — |  | — |  | — |  | — | %
Construction | — |  | — |  | — |  | — |  | — |  | — | %
Home Equity |  |  |  |  |  |
Revolving and term | — |  | — |  | — |  | — |  | — |  | — | %
Consumer | — |  | — |  | — |  | — |  | — |  | — | %
Total | $ | 812,000 |  | $ | — |  | $ | — |  | $ | — |  | $ | 170,000 |  |
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended June 30, 2024:
| Payment Deferral
| Financial Effect
Commercial |
Real estate owner occupied | Temporary payment accommodation, payments deferred to end of loan.
C&I | Temporary payment accommodation, payments deferred to end of loan.
| Payment Deferral & Term Extension
| Financial Effect
Commercial |
C&I | Temporary payment accommodation, extended term 60 days.
The following table represents loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the six months ended June 30, 2024:
Amortized Cost Basis
| Payment Deferral | Term Extension | Interest Rate Reduction | Principal Forgiveness | Combination Payment Deferral and Term Extension | % of Total Class of Financing Receivable
Commercial |  |  |  |  |  |
Real estate owner occupied | $ | 635,000 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | 0.19 | %
Real estate non-owner occupied | — |  | — |  | — |  | — |  | — |  | — | %
Construction | 69,000 |  | — |  | — |  | — |  | — |  | 0.08 | %
C&I | 238,000 |  | — |  | — |  | — |  | 170,000 |  | 0.13 | %
Multifamily | 1,932,000 |  | — |  | — |  | — |  | — |  | 1.91 | %
Agriculture | — |  | — |  | — |  | — |  | — |  | — | %
Municipal | — |  | — |  | — |  | — |  | — |  | — | %
Residential |  |  |  |  |  |
Term | 1,023,000 |  | — |  | — |  | — |  | — |  | 0.15 | %
Construction | — |  | — |  | — |  | — |  | — |  | — | %
Home Equity |  |  |  |  |  |
Revolving and term | — |  | — |  | — |  | — |  | 69,000 |  | 0.07 | %
Consumer | — |  | — |  | — |  | — |  | — |  | — | %
Total | $ | 3,897,000 |  | $ | — |  | $ | — |  | $ | — |  | $ | 239,000 |  | — | %
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the six months ended June 30, 2024:
| Payment Deferral
| Financial Effect
Commercial |
Real estate owner occupied | Temporary payment accommodation, payments deferred to end of loan.
Construction | Temporary payment accommodation, payments deferred to end of loan.
C&I | Temporary payment accommodation, payments deferred to end of loan.
Multifamily | Temporary payment accommodation, payments deferred to end of loan.
Residential |
Term | Temporary payment accommodation, payments deferred to end of loan.
| Payment Deferral & Term Extension
| Financial Effect
Commercial |
C&I | Temporary payment accommodation, extended term 60 days.
Home Equity |
Revolving and Term | Temporary payment accommodation, extended term 60 days.
The Company monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts loans that were modified during the previous 12 months as of June 30, 2025 which defaulted upon the modified terms within 12 months of the modification:
| Payment Status (Amortized Cost Basis)
| 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due
Commercial |  |  |
C&I | $ | — |  | $ | — |  | $ | — |
Residential |  |  |
Term | 125,000 |  | — |  | — |
Total | $ | 125,000 |  | $ | — |  | $ | — |
The following table depicts the performance of loans that have been modified during the previous 12 months as of June 30, 2025:
| Payment Status (Amortized Cost Basis) |
| Current | 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due |
Commercial |  |  |  |  |
Real estate owner occupied | $ | 493,000 |  | $ | — |  | $ | — |  | $ | — |  |
Real Estate non-owner occupied | 1,710,000 |  | — |  | — |  | — |  |
Construction | — |  | — |  | — |  | — |  |
C&I | 1,010,000 |  | — |  | — |  | — |  |
Multifamily | 908,000 |  | — |  | — |  | — |  |
Agriculture | 1,715,000 |  | — |  | — |  | — |  |
Residential |  |  |  |  |
Term | 1,452,000 |  | — |  | — |  | — |  |
Home Equity |  |  |  |  |
Revolving and term | 367,000 |  | — |  | — |  | — |  |
Consumer | — |  | — |  | — |  | — |  |
Total | $ | 7,655,000 |  | $ | — |  | $ | — |  | $ | — |  |
The following table depicts loans that were modified during the previous 12 months as of June 30, 2024 which defaulted upon the modified terms within 12 months of the modification:
| Payment Status (Amortized Cost Basis)
| 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due
Commercial |  |  |
Real estate owner occupied | $ | 504,000 |  | $ | — |  | $ | 283,000 |
C&I | 60,000 |  | 205,000 |  | — |
Residential |  |  |
Term | — |  | 449,000 |  | — |
Consumer | — |  | — |  | 13,000 |
Total | $ | 564,000 |  | $ | 654,000 |  | $ | 296,000 |
The following table depicts the performance of loans that had been modified during the the previous 12 months as of June 30, 2024:
| Payment Status (Amortized Cost Basis)
| Current | 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due
Commercial |  |  |  |
Real estate owner occupied | $ | 635,000 |  | $ | 503,000 |  | $ | — |  | $ | 283,000 |
Construction | 69,000 |  | — |  | — |  | — |
C&I | 402,000 |  | 41,000 |  | — |  | — |
Multifamily | 1,932,000 |  | — |  | — |  | — |
Residential |  |  |  |
Term | 1,023,000 |  | — |  | — |  | — |
Home Equity |  |  |  |
Revolving and term | 70,000 |  | — |  | — |  | — |
Consumer | 19,000 |  | — |  | — |  | 13,000 |
Total | $ | 4,150,000 |  | $ | 544,000 |  | $ | — |  | $ | 296,000 |

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