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Loans (Tables)

9 Months Ended

Sep. 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 September 30, 2025 and 2024 and at December 31, 2024:

			September 30, 2025									December 31, 2024									September 30, 2024
Commercial
Real estate owner occupied			$	375,263,000		15.6			%			$	358,588,000		15.3			%			$	348,287,000		15.1			%
Real estate non-owner occupied			414,481,000			17.3			%			403,899,000			17.3			%			408,361,000			17.7			%
Construction			51,753,000			2.1			%			99,717,000			4.3			%			87,992,000			3.8			%
C&I			376,911,000			15.7			%			365,817,000			15.6			%			368,415,000			16.0			%
Multifamily			136,515,000			5.7			%			108,732,000			4.6			%			110,472,000			4.8			%
Agriculture			55,489,000			2.3			%			52,219,000			2.2			%			51,274,000			2.2			%
Municipal			68,593,000			2.9			%			61,827,000			2.6			%			62,944,000			2.7			%
Residential
Term			730,624,000			30.5			%			710,807,000			30.4			%			698,068,000			30.2			%
Construction			32,779,000			1.4			%			35,481,000			1.5			%			34,628,000			1.5			%
Home Equity
Revolving and term			137,018,000			5.7			%			123,063,000			5.3			%			117,028,000			5.1			%
Consumer			19,084,000			0.8			%			20,790,000			0.9			%			19,784,000			0.9			%
Total			$	2,398,510,000		100.0			%			$	2,340,940,000		100.0			%			$	2,307,253,000		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 September 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			$	660,000		$	183,000		$	3,361,000		$	4,204,000		$	371,059,000		$	375,263,000		$	—
Real estate non-owner occupied			1,285,000			—			—			1,285,000			413,196,000			414,481,000			—
Construction			—			—			—			—			51,753,000			51,753,000			—
C&I			412,000			264,000			779,000			1,455,000			375,456,000			376,911,000			—
Multifamily			2,626,000			—			—			2,626,000			133,889,000			136,515,000			—
Agriculture			94,000			—			118,000			212,000			55,277,000			55,489,000			—
Municipal			—			—			—			—			68,593,000			68,593,000			—
Residential
Term			649,000			1,349,000			2,591,000			4,589,000			726,035,000			730,624,000			1,428,000
Construction			—			—			—			—			32,779,000			32,779,000			—
Home equity
Revolving and term			1,310,000			372,000			212,000			1,894,000			135,124,000			137,018,000			—
Consumer			185,000			97,000			74,000			356,000			18,728,000			19,084,000			74,000
Total			$	7,221,000		$	2,265,000		$	7,135,000		$	16,621,000		$	2,381,889,000		$	2,398,510,000		$	1,502,000

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 September 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			$	—		$	64,000		$	98,000		$	162,000		$	348,125,000		$	348,287,000		$	—
Real estate non-owner occupied			—			—			—			—			408,361,000			408,361,000			—
Construction			—			—			—			—			87,992,000			87,992,000			—
C&I			318,000			708,000			44,000			1,070,000			367,345,000			368,415,000			—
Multifamily			—			—			—			—			110,472,000			110,472,000			—
Agriculture			210,000			—			—			210,000			51,064,000			51,274,000			—
Municipal			—			—			—			—			62,944,000			62,944,000			—
Residential
Term			70,000			166,000			500,000			736,000			697,332,000			698,068,000			144,000
Construction			—			—			—			—			34,628,000			34,628,000			—
Home equity
Revolving and term			508,000			—			4,000			512,000			116,516,000			117,028,000			—
Consumer			343,000			13,000			261,000			617,000			19,167,000			19,784,000			261,000
Total			$	1,449,000		$	951,000		$	907,000		$	3,307,000		$	2,303,946,000		$	2,307,253,000		$	405,000

Schedule of Nonaccrual Loans

The following table presents the amortized cost basis of loans on non-accrual status as of September 30, 2025, December 31, 2024 and September 30, 2024:

			September 30, 2025									December 31, 2024									September 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			$	—		$	3,891,000		$	3,891,000		$	—		$	553,000		$	553,000		$	—		$	367,000		$	367,000
Real estate non-owner occupied			—			61,000			61,000			—			61,000			61,000			—			—			—
Construction			—			9,000			9,000			—			18,000			18,000			—			19,000			19,000
C&I			1,141,000			580,000			1,721,000			1,359,000			336,000			1,695,000			—			129,000			129,000
Multifamily			—			—			—			—			—			—			—			—			—
Agriculture			—			187,000			187,000			—			31,000			31,000			—			31,000			31,000
Municipal			—			—			—			—			—			—			—			—			—
Residential
Term			—			3,110,000			3,110,000			—			1,599,000			1,599,000			—			1,686,000			1,686,000
Construction			—			—			—			—			—			—			—			—			—
Home equity
Revolving and term			—			610,000			610,000			—			291,000			291,000			—			265,000			265,000
Consumer			—			6,000			6,000			—			—			—			—			—			—
Total			$	1,141,000		$	8,454,000		$	9,595,000		$	1,359,000		$	2,889,000		$	4,248,000		$	—		$	2,497,000		$	2,497,000

Schedule of Individually Analyzed Loans by Class of Financing Receivable

The following table presents the amortized cost basis of collateral-dependent loans as of September 30, 2025, December 31, 2024 and September 30, 2024, by collateral type:

			September 30, 2025									December 31, 2024									September 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			$	3,367,000		$	—		$	—					$	263,000		$	—		$	—					$	270,000		$	—
Real estate non-owner occupied			61,000			—			—						67,000			—			—						—			—
Construction			—			—			—						—			—			—						—			—
C&I			—			—			1,144,000						—			—			1,438,000						—			—
Multifamily			—			—			—						—			—			—						—			—
Agriculture			—			—			—						—			—			—						—			—
Municipal			—			—			—						—			—			—						—			—
Residential
Term			—			1,928,000			—						—			558,000			—						—			566,000
Construction			—			—			—						—			—			—						—			—
Home equity
Revolving and term			—			—			—						—			—			—						—			—
Consumer			—			—			—						—			—			—						—			—
Total			$	3,428,000		$	1,928,000		$	1,144,000					$	330,000		$	558,000		$	1,438,000					$	270,000		$	566,000

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 September 30, 2025:

Amortized Cost Basis
			Payment Deferral			Term Extension			Rate Mod									Combination Payment Deferral and Term Extension									% of Total Class of Financing Receivable
Commercial
Real estate owner occupied			$	704,000		$	164,000		$	—								$	—								0.23		%
Real estate non-owner occupied			115,000			—			—									—									0.03		%
Construction			—			—			—									—									—		%
C&I			335,000			143,000			—									—									0.13		%
Multifamily			—			—			4,034,000									—									2.95		%
Agriculture			237,000			—			—									—									0.43		%
Municipal			—			—			—									—									—		%
Residential
Term			—			—			—									428,000									0.06		%
Construction			—			—			—									—									—		%
Home Equity
Revolving and term			—			—			—									—									—		%
Consumer			—			—			—									—									—		%
Total			$	1,391,000		$	307,000		$	4,034,000								$	428,000

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended September 30, 2025:

			Payment Deferral
			Financial Effect
Commercial
Real estate owner occupied			Temporary payment accommodation, payments deferred to end of loan.
Real estate non-owner occupied			Temporary payment accommodation, payments deferred to end of loan.
C&I			Temporary payment accommodation, payments deferred to end of loan.
Agriculture			Temporary payment accommodation, payments deferred to end of loan.

			Term Extension
			Financial Effect
Commercial
Real estate owner occupied			Temporary payment accommodation, extended term 4 months.
C&I			Temporary payment accommodation, extended term 6 months.

			Rate Mod
			Financial Effect
Commercial
Multifamily			Rate reduction to 5.0%

			Combination Payment Deferral and Term Extension
			Financial Effect
Residential
Term			Temporary payment accommodation, payments deferred to end of loan.

The following table represents loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the nine months ended September 30, 2025:

Amortized Cost Basis
			Payment Deferral			Term Extension			Rate Mod									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			$	858,000		$	164,000		$	—								$	337,000		$	—		$	—		0.36		%
Real estate non-owner occupied			115,000			—			—									—			61,000			1,285,000			0.35		%
Construction			—			—			—									—			—			—			—		%
C&I			606,000			144,000			—									188,000			467,000			—			0.37		%
Multifamily			902,000			—			4,034,000									—			—			—			3.62		%
Agriculture			1,952,000			—			—									—			—			—			3.52		%
Municipal			—			—			—									—			—			—			—		%
Residential
Term			—			—			—									632,000			—			357,000			0.14		%
Construction			—			—			—									—			—			—			—		%
Home Equity
Revolving and term			—			—			—									367,000			—			—			0.27		%
Consumer			—			—			—									—			—			—			—		%
Total			$	4,433,000		$	308,000		$	4,034,000								$	1,524,000		$	528,000		$	1,642,000

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the nine months ended September 30, 2025:

			Payment Deferral
			Financial Effect
Commercial
Real estate owner occupied			Temporary payment accommodation - payments deferred to end of loan; 5 yr balloon payment
Real estate non-owner occupied			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.
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 up to 6 months.
C&I			Temporary payment accommodation, extended term 6 months.

			Rate Mod
			Financial Effect
Commercial
Multifamily			Rate reduction to 5.0%

			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 September 30, 2024:

Amortized Cost Basis
			Payment Deferral			Term Extension			Rate Mod			Principal Forgiveness			Combination Payment Deferral and Term Extension			% of Total Class of Financing Receivable
Commercial
Real estate owner occupied			$	—		$	—		$	—		$	—		$	—		—		%
Real estate non-owner occupied			—			—			—			—			—			—		%
Construction			—			—			—			—			—			—		%
C&I			—			—			—			—			55,000			0.01		%
Multifamily			—			—			—			—			—			—		%
Agriculture			—			—			—			—			—			—		%
Municipal			—			—			—			—			—			—		%
Residential
Term			—			—			—			—			—			—		%
Construction			—			—			—			—			—			—		%
Home Equity
Revolving and term			—			—			—			—			—			—		%
Consumer			—			—			—			—			—			—		%
Total			$	—		$	—		$	—		$	—		$	55,000

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended September 30, 2024:

			Payment Deferral
			Financial Effect
Commercial
C&I			Temporary payment accommodation, extended term 90 days.

The following table represents loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the nine months ended September 30, 2024:

Amortized Cost Basis
			Payment Deferral			Term Extension			Rate Mod			Principal Forgiveness			Combination Payment Deferral and Term Extension			% of Total Class of Financing Receivable
Commercial
Real estate owner occupied			$	635,000		$	—		$	—		$	—		$	—		0.18		%
Real estate non-owner occupied			—			—			—			—			—			—		%
Construction			69,000			—			—			—			—			0.08		%
C&I			175,000			—			—			—			225,000			0.11		%
Multifamily			1,932,000			—			—			—			—			1.75		%
Agriculture			—			—			—			—			—			—		%
Municipal			—			—			—			—			—			—		%
Residential
Term			1,020,000			—			—			—			—			0.15		%
Construction			—			—			—			—			—			—		%
Home Equity
Revolving and term			—			—			—			—			68,000			0.06		%
Consumer			—			—			—			—			—			—		%
Total			$	3,831,000		$	—		$	—		$	—		$	293,000

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the nine months ended September 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 90 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 September 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
Real estate owner occupied			$	257,000		$	—		$	—
Real Estate non-owner occupied			1,285,000			—			—
Construction			—			—			—
C&I			199,000			—			—
Multifamily			—			—			—
Agriculture			—			—			—
Residential
Term			686,000			—			—
Home Equity
Revolving and term			367,000			—			—
Consumer			—			—			—
Total			$	2,794,000		$	—		$	—

The following table depicts the performance of loans that have been modified during the previous 12 months as of September 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			$	1,102,000		$	257,000		$	—		$	—
Real Estate non-owner occupied			176,000			1,285,000			—			—
Construction			—			—			—			—
C&I			1,217,000			199,000			—			—
Multifamily			4,936,000			—			—			—
Agriculture			1,952,000			—			—			—
Residential
Term			548,000			561,000			—			—
Home Equity
Revolving and term			—			367,000			—			—
Consumer			—			—			—			—
Total			$	9,931,000		$	2,669,000		$	—		$	—

The following table depicts loans that were modified during the previous 12 months as of September 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			$	503,000		$	—		$	283,000
C&I			41,000			205,000			—
Residential
Term			—			449,000			—
Consumer			—			—			13,000
Total			$	544,000		$	654,000		$	296,000

The following table depicts the performance of loans that had been modified during the the previous 12 months as of September 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			$	903,000		$	—		$	—		$	—
Construction			69,000			—			—			—
C&I			230,000			—			205,000			—
Multifamily			1,932,000			—			—			—
Residential
Term			1,020,000			—			—			—
Home Equity
Revolving and term			68,000			—			—			—
Consumer			18,000			—			—			—
Total			$	4,240,000		$	—		$	205,000		$	—

X

- Definition

Collateral-dependent Loans

+ References

No definition available.

+ Details

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X

- Definition

Tabular disclosure of the composition of loans contained in the loan portfolio.

+ References

No definition available.

+ Details

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X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
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