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Loans and ACL (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Loan Composition

The following table provides a detailed listing of our loan portfolio at December 31:

			2024												2023
			Balance						Percent of Total						Balance						Percent of Total
Commercial and industrial
Secured			$	221,510					15.56		%				$	189,186					14.02		%
Unsecured			23,384						1.64		%				20,552						1.52		%
Total commercial and industrial			244,894						17.20		%				209,738						15.54		%
Commercial real estate
Commercial mortgage owner occupied			178,376						12.53		%				180,636						13.39		%
Commercial mortgage non-owner occupied			208,118						14.62		%				216,292						16.03		%
Commercial mortgage 1-4 family investor			92,497						6.50		%				89,208						6.61		%
Commercial mortgage multifamily			68,456						4.81		%				78,108						5.79		%
Total commercial real estate			547,447						38.46		%				564,244						41.82		%
Advances to mortgage brokers			63,080						4.43		%				18,541						1.37		%
Agricultural
Agricultural mortgage			67,550						4.75		%				69,044						5.12		%
Agricultural other			32,144						2.26		%				30,950						2.29		%
Total agricultural			99,694						7.01		%				99,994						7.41		%
Residential real estate
Senior lien			332,743						23.37		%				313,459						23.23		%
Junior lien			8,655						0.61		%				5,945						0.44		%
Home equity lines of credit			39,474						2.77		%				37,014						2.74		%
Total residential real estate			380,872						26.75		%				356,418						26.41		%
Consumer
Secured - direct			35,050						2.46		%				37,948						2.81		%
Secured - indirect			49,136						3.45		%				59,324						4.40		%
Unsecured			3,398						0.24		%				3,256						0.24		%
Total consumer			87,584						6.15		%				100,528						7.45		%
Total			$	1,423,571					100.00		%				$	1,349,463					100.00		%

Nonaccrual Loans with No ACL

The following table summarizes nonaccrual loan data by class of loans as of December 31:

			2024												2023
			Total Nonaccrual Loans						Nonaccrual Loans with No ACL						Total Nonaccrual Loans						Nonaccrual Loans with No ACL
Commercial and industrial
Secured			$	—					$	—					$	491					$	435
Agricultural
Agricultural mortgage			—						—						38						38
Agricultural other			—						—						167						167
Residential real estate
Senior lien			282						282						286						286
Total			$	282					$	282					$	982					$	926

Summary of past due loans

The following tables summarize the past due and current loans for the entire loan portfolio as of December 31:

			2024
			Past Due:
			30-59 Days						60-89 Days						90 Days or More						Current						Total						Accruing Loans 90 or More Days Past Due
Commercial and industrial
Secured			$	328					$	—					$	—					$	221,182					$	221,510					$	—
Unsecured			—						50						—						23,334						23,384						—
Total commercial and industrial			328						50						—						244,516						244,894						—
Commercial real estate
Commercial mortgage owner occupied			25						304						—						178,047						178,376						—
Commercial mortgage non-owner occupied			792						—						—						207,326						208,118						—
Commercial mortgage 1-4 family investor			—						—						—						92,497						92,497						—
Commercial mortgage multifamily			—						—						—						68,456						68,456						—
Total commercial real estate			817						304						—						546,326						547,447						—
Advances to mortgage brokers			—						—						—						63,080						63,080						—
Agricultural
Agricultural mortgage			—						—						—						67,550						67,550						—
Agricultural other			—						—						—						32,144						32,144						—
Total agricultural			—						—						—						99,694						99,694						—
Residential real estate
Senior lien			3,846						148						163						328,586						332,743						—
Junior lien			19						—						—						8,636						8,655						—
Home equity lines of credit			10						—						—						39,464						39,474						—
Total residential real estate			3,875						148						163						376,686						380,872						—
Consumer
Secured - direct			15						—						19						35,016						35,050						19
Secured - indirect			232						—						—						48,904						49,136						—
Unsecured			4						—						—						3,394						3,398						—
Total consumer			251						—						19						87,314						87,584						19
Total			$	5,271					$	502					$	182					$	1,417,616					$	1,423,571					$	19

			2023
			Past Due:
			30-59 Days						60-89 Days						90 Days or More						Current						Total						Accruing Loans 90 or More Days Past Due
Commercial and industrial
Secured			$	165					$	290					$	201					$	188,530					$	189,186					$	—
Unsecured			—						—						—						20,552						20,552						—
Total commercial and industrial			165						290						201						209,082						209,738						—
Commercial real estate
Commercial mortgage owner occupied			—						—						—						180,636						180,636						—
Commercial mortgage non-owner occupied			—						—						—						216,292						216,292						—
Commercial mortgage 1-4 family investor			—						—						—						89,208						89,208						—
Commercial mortgage multifamily			—						—						—						78,108						78,108						—
Total commercial real estate			—						—						—						564,244						564,244						—
Advances to mortgage brokers			—						—						—						18,541						18,541						—
Agricultural
Agricultural mortgage			—						—						—						69,044						69,044						—
Agricultural other			—						—						—						30,950						30,950						—
Total agricultural			—						—						—						99,994						99,994						—
Residential real estate
Senior lien			3,188						349						201						309,721						313,459						87
Junior lien			—						—						—						5,945						5,945						—
Home equity lines of credit			—						—						—						37,014						37,014						—
Total residential real estate			3,188						349						201						352,680						356,418						87
Consumer
Secured - direct			3						—						—						37,945						37,948						—
Secured - indirect			181						—						—						59,143						59,324						—
Unsecured			9						—						—						3,247						3,256						—
Total consumer			193						—						—						100,335						100,528						—
Total			$	3,546					$	639					$	402					$	1,344,876					$	1,349,463					$	87

Credit quality indicators by year of origination

The following tables display commercial and agricultural loans by credit risk ratings and year of origination as of December 31:

			2024
			2024						2023						2022						2021						2020						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Commercial and industrial: Secured
Risk ratings 1-3			$	13,303					$	15,074					$	3,078					$	4,975					$	4,437					$	368					$	10,316					$	—					$	51,551
Risk rating 4			38,143						38,393						17,252						15,561						2,035						2,191						28,145						—						141,720
Risk rating 5			3,627						559						11,644						164						137						53						6,626						—						22,810
Risk rating 6			126						288						1,841						71						—						10						3,093						—						5,429
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	55,199					$	54,314					$	33,815					$	20,771					$	6,609					$	2,622					$	48,180					$	—					$	221,510
Current year-to-date gross charge-offs			$	—					$	277					$	33					$	—					$	38					$	—					$	—					$	—					$	348
Commercial and industrial: Unsecured
Risk ratings 1-3			$	378					$	1,967					$	203					$	69					$	48					$	414					$	1,966					$	—					$	5,045
Risk rating 4			3,073						2,049						2,388						268						370						—						8,896						—						17,044
Risk rating 5			100						—						—						121						—						—						1,074						—						1,295
Risk rating 6			—						—						—						—						—						—						—						—						—
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	3,551					$	4,016					$	2,591					$	458					$	418					$	414					$	11,936					$	—					$	23,384
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	8					$	25					$	—					$	33
Commercial real estate: Owner occupied
Risk ratings 1-3			$	1,963					$	4,032					$	1,694					$	11,125					$	13,300					$	4,421					$	221					$	—					$	36,756
Risk rating 4			24,878						11,550						29,307						35,974						9,780						20,260						1,590						—						133,339
Risk rating 5			197						487						876						72						653						791						372						—						3,448
Risk rating 6			1,354						1,123						—						636						1,117						504						99						—						4,833
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	28,392					$	17,192					$	31,877					$	47,807					$	24,850					$	25,976					$	2,282					$	—					$	178,376
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Non-owner occupied
Risk ratings 1-3			$	644					$	795					$	5,568					$	5,178					$	348					$	1,781					$	—					$	—					$	14,314
Risk rating 4			7,902						34,664						61,524						35,620						4,375						29,178						497						—						173,760
Risk rating 5			9,726						—						218						1,681						6,154						709						500						—						18,988
Risk rating 6			—						1,006						—						—						50						—						—						—						1,056
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	18,272					$	36,465					$	67,310					$	42,479					$	10,927					$	31,668					$	997					$	—					$	208,118
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			2024
			2024						2023						2022						2021						2020						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Commercial real estate: 1-4 family investor
Risk ratings 1-3			$	1,165					$	—					$	2,632					$	791					$	846					$	965					$	3,076					$	—					$	9,475
Risk rating 4			9,399						12,535						8,911						28,666						13,930						3,640						4,750						—						81,831
Risk rating 5			—						145						339						72						—						52						—						—						608
Risk rating 6			—						536						—						—						—						47						—						—						583
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	10,564					$	13,216					$	11,882					$	29,529					$	14,776					$	4,704					$	7,826					$	—					$	92,497
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Multifamily
Risk ratings 1-3			$	638					$	3,383					$	1,697					$	936					$	545					$	746					$	150					$	—					$	8,095
Risk rating 4			2,081						1,957						21,446						11,646						664						19,617						64						—						57,475
Risk rating 5			—						—						—						—						—						—						—						—						—
Risk rating 6			—						—						—						—						—						2,886						—						—						2,886
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	2,719					$	5,340					$	23,143					$	12,582					$	1,209					$	23,249					$	214					$	—					$	68,456
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Advances to mortgage brokers
Risk ratings 1-3			$	63,080					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	63,080
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural mortgage
Risk ratings 1-3			$	792					$	—					$	2,700					$	2,144					$	2,550					$	1,250					$	34					$	—					$	9,470
Risk rating 4			4,410						4,118						12,959						6,968						5,737						8,586						1,322						—						44,100
Risk rating 5			281						1,521						1,342						5,757						—						1,364						1,045						—						11,310
Risk rating 6			60						—						1,550						—						—						1,060						—						—						2,670
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	5,543					$	5,639					$	18,551					$	14,869					$	8,287					$	12,260					$	2,401					$	—					$	67,550
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural other
Risk ratings 1-3			$	634					$	523					$	106					$	137					$	2					$	210					$	3,635					$	—					$	5,247
Risk rating 4			1,940						1,328						1,863						1,893						463						550						13,531						—						21,568
Risk rating 5			1,683						—						—						—						438						—						608						—						2,729
Risk rating 6			—						172						—						90						—						—						2,338						—						2,600
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	4,257					$	2,023					$	1,969					$	2,120					$	903					$	760					$	20,112					$	—					$	32,144
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			2023
			2023						2022						2021						2020						2019						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Commercial and industrial: Secured
Risk ratings 1-3			$	15,061					$	4,324					$	6,188					$	6,666					$	422					$	449					$	12,305					$	—					$	45,415
Risk rating 4			38,680						35,245						22,065						4,523						2,469						1,762						29,826						—						134,570
Risk rating 5			391						2,634						233						305						111						101						1,994						—						5,769
Risk rating 6			—						—						4						207						6						128						2,596						—						2,941
Risk rating 7			465						—						—						24						2						—						—						—						491
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	54,597					$	42,203					$	28,490					$	11,725					$	3,010					$	2,440					$	46,721					$	—					$	189,186
Current year-to-date gross charge-offs			$	200					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	200
Commercial and industrial: Unsecured
Risk ratings 1-3			$	2,200					$	259					$	129					$	71					$	96					$	707					$	1,663					$	—					$	5,125
Risk rating 4			3,988						3,117						517						470						—						—						7,274						—						15,366
Risk rating 5			—						31						—						—						—						—						30						—						61
Risk rating 6			—						—						—						—						—						—						—						—						—
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	6,188					$	3,407					$	646					$	541					$	96					$	707					$	8,967					$	—					$	20,552
Current year-to-date gross charge-offs			$	8					$	—					$	—					$	—					$	—					$	—					$	68					$	—					$	76
Commercial real estate: Owner occupied
Risk ratings 1-3			$	3,592					$	1,712					$	12,655					$	14,228					$	761					$	3,313					$	211					$	—					$	36,472
Risk rating 4			12,148						33,392						39,406						14,086						13,384						19,942						1,506						—						133,864
Risk rating 5			1,460						727						195						220						3,829						1,761						464						—						8,656
Risk rating 6			—						—						870						234						—						540						—						—						1,644
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	17,200					$	35,831					$	53,126					$	28,768					$	17,974					$	25,556					$	2,181					$	—					$	180,636
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Non-owner occupied
Risk ratings 1-3			$	67					$	4,383					$	6,496					$	827					$	172					$	1,766					$	—					$	—					$	13,711
Risk rating 4			37,906						62,979						37,583						11,534						7,589						32,941						1,650						—						192,182
Risk rating 5			—						—						5,838						—						—						3,478						—						—						9,316
Risk rating 6			1,029						—						—						54						—						—						—						—						1,083
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	39,002					$	67,362					$	49,917					$	12,415					$	7,761					$	38,185					$	1,650					$	—					$	216,292
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			2023
			2023						2022						2021						2020						2019						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Commercial real estate: 1-4 family investor
Risk ratings 1-3			$	286					$	1,445					$	864					$	905					$	666					$	887					$	1,352					$	—					$	6,405
Risk rating 4			13,492						11,641						30,604						15,124						3,036						3,111						4,538						—						81,546
Risk rating 5			152						354						77						—						55						—						—						—						638
Risk rating 6			555						—						—						—						59						5						—						—						619
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	14,485					$	13,440					$	31,545					$	16,029					$	3,816					$	4,003					$	5,890					$	—					$	89,208
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Multifamily
Risk ratings 1-3			$	4,509					$	4,682					$	2,053					$	568					$	—					$	1,515					$	—					$	—					$	13,327
Risk rating 4			2,792						19,465						15,981						813						549						21,263						554						—						61,417
Risk rating 5			—						—						—						4						—						—						—						—						4
Risk rating 6			—						—						32						—						—						3,328						—						—						3,360
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	7,301					$	24,147					$	18,066					$	1,385					$	549					$	26,106					$	554					$	—					$	78,108
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Advances to mortgage brokers
Risk ratings 1-3			$	18,541					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	18,541
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural mortgage
Risk ratings 1-3			$	292					$	2,834					$	1,241					$	2,786					$	604					$	964					$	94					$	—					$	8,815
Risk rating 4			5,622						12,903						8,970						5,940						3,926						7,883						566						—						45,810
Risk rating 5			126						4,098						5,886						689						175						60						756						—						11,790
Risk rating 6			842						—						—						—						—						1,749						—						—						2,591
Risk rating 7			—						—						—						—						—						38						—						—						38
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	6,882					$	19,835					$	16,097					$	9,415					$	4,705					$	10,694					$	1,416					$	—					$	69,044
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	4					$	—					$	—					$	4
Agricultural other
Risk ratings 1-3			$	801					$	81					$	121					$	38					$	183					$	141					$	2,659					$	—					$	4,024
Risk rating 4			1,830						2,481						2,280						619						146						75						14,405						—						21,836
Risk rating 5			753						8						163						507						—						480						2,731						—						4,642
Risk rating 6			—						—						32						—						—						—						249						—						281
Risk rating 7			—						—						—						—						—						—						167						—						167
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	3,384					$	2,570					$	2,596					$	1,164					$	329					$	696					$	20,211					$	—					$	30,950
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Schedule of Residential Real Estate and Consumer Loan Segments by Year of Origination

The following tables display residential real estate and consumer loans by payment status and year of origination as of December 31:

			2024
			2024						2023						2022						2021						2020						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Residential real estate: Senior lien
Current			$	55,991					$	35,105					$	45,916					$	73,607					$	47,057					$	62,303					$	—					$	8,579					$	328,558
Past due 30-89 days			173						162						331						287						907						2,043						—						—						3,903
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						163						28						91						—						—						282
Total			$	56,164					$	35,267					$	46,247					$	74,057					$	47,992					$	64,437					$	—					$	8,579					$	332,743
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	10					$	—					$	—					$	10
Residential real estate: Junior lien
Current			$	4,229					$	3,092					$	800					$	86					$	71					$	358					$	—					$	—					$	8,636
Past due 30-89 days			—						—						—						19						—						—						—						—						19
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	4,229					$	3,092					$	800					$	105					$	71					$	358					$	—					$	—					$	8,655
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Residential real estate: Home equity lines of credit
Current			$	—					$	—					$	—					$	—					$	—					$	—					$	39,464					$	—					$	39,464
Past due 30-89 days			—						—						—						—						—						—						10						—						10
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	—					$	—					$	—					$	—					$	—					$	—					$	39,474					$	—					$	39,474
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Consumer: Secured - direct
Current			$	10,990					$	9,498					$	6,535					$	3,947					$	2,166					$	1,880					$	—					$	—					$	35,016
Past due 30-89 days			—						—						15						—						—						—						—						—						15
Past due 90 or more days			—						—						—						—						19						—						—						—						19
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	10,990					$	9,498					$	6,550					$	3,947					$	2,185					$	1,880					$	—					$	—					$	35,050
Current year-to-date gross charge-offs			$	16					$	93					$	9					$	—					$	27					$	8					$	—					$	—					$	153
Consumer: Secured - indirect
Current			$	6,526					$	22,624					$	7,682					$	4,990					$	4,018					$	3,064					$	—					$	—					$	48,904
Past due 30-89 days			42						51						50						28						54						7						—						—						232
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	6,568					$	22,675					$	7,732					$	5,018					$	4,072					$	3,071					$	—					$	—					$	49,136
Current year-to-date gross charge-offs			$	—					$	67					$	64					$	—					$	—					$	3					$	—					$	—					$	134

			2024
			2024						2023						2022						2021						2020						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Consumer: Unsecured
Current			$	1,654					$	656					$	211					$	22					$	16					$	—					$	835					$	—					$	3,394
Past due 30-89 days			—						—						2						—						—						—						2						—						4
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	1,654					$	656					$	213					$	22					$	16					$	—					$	837					$	—					$	3,398
Current year-to-date gross charge-offs			$	2,047					$	15					$	21					$	—					$	—					$	2					$	21					$	—					$	2,106

			2023
			2023						2022						2021						2020						2019						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Residential real estate: Senior lien
Current			$	45,878					$	52,989					$	80,122					$	52,648					$	23,356					$	54,556					$	—					$	—					$	309,549
Past due 30-89 days			—						784						714						123						478						1,438						—						—						3,537
Past due 90 or more days			—						—						—						—						—						87						—						—						87
Nonaccrual			48						—						—						31						—						207						—						—						286
Total			$	45,926					$	53,773					$	80,836					$	52,802					$	23,834					$	56,288					$	—					$	—					$	313,459
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	2					$	—					$	—					$	2
Residential real estate: Junior lien
Current			$	3,706					$	1,325					$	168					$	134					$	167					$	445					$	—					$	—					$	5,945
Past due 30-89 days			—						—						—						—						—						—						—						—						—
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	3,706					$	1,325					$	168					$	134					$	167					$	445					$	—					$	—					$	5,945
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Residential real estate: Home equity lines of credit
Current			$	—					$	—					$	—					$	—					$	—					$	—					$	37,014					$	—					$	37,014
Past due 30-89 days			—						—						—						—						—						—						—						—						—
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	—					$	—					$	—					$	—					$	—					$	—					$	37,014					$	—					$	37,014
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Consumer: Secured - direct
Current			$	14,813					$	10,037					$	6,468					$	3,473					$	1,682					$	1,472					$	—					$	—					$	37,945
Past due 30-89 days			—						—						—						3						—						—						—						—						3
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	14,813					$	10,037					$	6,468					$	3,476					$	1,682					$	1,472					$	—					$	—					$	37,948
Current year-to-date gross charge-offs			$	139					$	12					$	6					$	—					$	3					$	—					$	—					$	—					$	160

			2023
			2023						2022						2021						2020						2019						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Consumer: Secured - indirect
Current			$	30,900					$	10,977					$	6,887					$	5,376					$	2,030					$	2,973					$	—					$	—					$	59,143
Past due 30-89 days			123						—						—						30						3						25						—						—						181
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	31,023					$	10,977					$	6,887					$	5,406					$	2,033					$	2,998					$	—					$	—					$	59,324
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Consumer: Unsecured
Current			$	1,576					$	740					$	144					$	86					$	7					$	—					$	694					$	—					$	3,247
Past due 30-89 days			—						9						—						—						—						—						—						—						9
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	1,576					$	749					$	144					$	86					$	7					$	—					$	694					$	—					$	3,256
Current year-to-date gross charge-offs			$	344					$	21					$	13					$	2					$	—					$	1					$	1					$	—					$	382

Financing Receivables Modified [Table Text Block]

The following is a summary of the amortized cost basis of loan modifications granted to borrowers experiencing financial difficulty for the years ended December 31:

			2024
			Interest Rate Reduction												Other-Than-Insignificant Payment Delay												Term Extension												Other-Than-Insignificant Payment Delay and Term Extension
			Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable
Commercial and industrial
Secured			$	—					0.00		%				$	1,782					0.80		%				$	10					0.00		%				$	—					0.00		%
Commercial real estate
Commercial mortgage owner occupied			—						0.00		%				818						0.46		%				1,353						0.76		%				—						0.00		%
Agricultural
Agricultural mortgage			—						0.00		%				1,305						1.93		%				281						0.42		%				—						0.00		%
Agricultural other			132						0.41		%				—						0.00		%				—						0.00		%				1,107						3.44		%
Consumer
Secured - indirect			—						0.00		%				—						0.00		%				1						0.00		%				—						0.00		%
Total			$	132											$	3,905											$	1,645											$	1,107

			2023
			Other-Than-Insignificant Payment Delay												Term Extension												Interest Rate Reduction and Term Extension
			Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable
Commercial real estate
Commercial mortgage owner occupied			$	118					0.07		%				$	—					0.00		%				$	—					0.00		%
Commercial mortgage non-owner occupied			—						0.00		%				1,030						0.48		%				—						0.00		%
Commercial mortgage multifamily			2,977						3.81		%				—						0.00		%				—						0.00		%
Agricultural
Agricultural mortgage			—						0.00		%				227						0.33		%				24						0.03		%
Agricultural other			—						0.00		%				32						0.10		%				—						0.00		%
Residential real estate
Senior lien			—						0.00		%				5						0.00		%				—						0.00		%
Total			$	3,095											$	1,294											$	24

Effects of Loan Modifications for Borrowers Experiencing Financial Difficulty

The following tables summarize the financial effect of the modifications granted to borrowers experiencing financial difficulty for the years ended December 31:

2024

Payment Delay Term

Weighted-Average Interest Rate Reduction

Weighted-Average Term Extension (Years)

Commercial and industrial

Secured

4 months

N/A

3.00

Commercial real estate

Commercial mortgage owner occupied

7 months

N/A

3.00

Agricultural

Agricultural mortgage

5 months

N/A

6.27

Agricultural other

4 months

0.50%

0.33

Consumer

Secured - indirect

N/A

N/A

1.33

2023

Payment Delay Term

Weighted-Average Interest Rate Reduction

Weighted-Average Term Extension (Years)

Commercial real estate

Commercial mortgage owner occupied

6 months

N/A

N/A

Commercial mortgage non-owner occupied

N/A

N/A

3.00

Commercial mortgage multifamily

6 months

N/A

N/A

Agricultural

Agricultural mortgage

N/A

4.50%

1.08

Agricultural other

N/A

N/A

1.00

Residential real estate

Senior lien

N/A

N/A

2.60

Financing Receivable, Modified, Past Due

The following tables summarize the performance of such loans that were modified within the past 12 months prior to December 31:

			2024
			Current						30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total
Commercial and industrial
Secured			$	1,782					$	10					$	—					$	—					$	1,792
Commercial real estate
Commercial mortgage owner occupied			2,171						—						—						—						2,171
Agricultural
Agricultural mortgage			1,586						—						—						—						1,586
Agricultural other			1,239						—						—						—						1,239
Consumer
Secured - indirect			1						—						—						—						1
Total			$	6,779					$	10					$	—					$	—					$	6,789

			2023
			Current						30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total
Commercial real estate
Commercial mortgage owner occupied			$	118					$	—					$	—					$	—					$	118
Commercial mortgage non-owner occupied			1,030						—						—						—						1,030
Commercial mortgage multifamily			2,977						—						—						—						2,977
Agricultural
Agricultural mortgage			251						—						—						—						251
Agricultural other			32						—						—						—						32
Residential real estate
Senior lien			—						—						—						5						5
Total			$	4,408					$	—					$	—					$	5					$	4,413

Allowance for Credit Losses

A summary of changes in the ACL and the recorded investment in loans by segments are as follows for the years ended December 31:

			2024
			Commercial and Industrial						Commercial Real Estate						Agricultural						Residential Real Estate						Consumer						Total
December 31, 2023			$	968					$	5,878					$	270					$	4,336					$	1,656					$	13,108
Charge-offs			(381)						—						—						(10)						(2,393)						(2,784)
Recoveries			42						355						6						128						353						884
Credit loss expense			687						(1,062)						11						67						1,984						1,687
December 31, 2024			$	1,316					$	5,171					$	287					$	4,521					$	1,600					$	12,895

			2023
			Commercial and Industrial						Commercial Real Estate						Agricultural						Residential Real Estate						Consumer						Unallocated						Total
December 31, 2022			$	860					$	461					$	577					$	617					$	961					$	6,374					$	9,850
Impact of the adoption of ASC 326			(58)						5,532						(247)						3,535						356						(6,374)						2,744
Charge-offs			(276)						—						(4)						(2)						(542)						—						(824)
Recoveries			79						26						12						329						263						—						709
Credit loss expense			363						(141)						(68)						(143)						618						—						629
December 31, 2023			$	968					$	5,878					$	270					$	4,336					$	1,656					$	—					$	13,108

Financing Receivable, Allowance for Credit Loss, Allocation [Table Text Block]

The following table illustrates the two main components of the ACL as of December 31:

			2024						2023
ACL
Individually evaluated			$	—					$	84
Collectively evaluated			12,895						13,024
Total			$	12,895					$	13,108
ACL to gross loans
Individually evaluated			—		%				0.01		%
Collectively evaluated			0.91		%				0.96		%
Total			0.91		%				0.97		%

Individually Evaluated Collateral Dependent and Specific ACL

The following table presents loans that were evaluated for expected credit losses on an individual basis and the related specific allocations, by loan segment as of December 31:

			2024												2023
			Loan Balance						Specific Allocation						Loan Balance						Specific Allocation
Commercial and industrial			$	—					$	—					$	465					$	56
Commercial real estate			—						—						234						28
Agricultural			—						—						181						—
Residential real estate			254						—						203						—
Consumer			—						—						—						—
Total			$	254					$	—					$	1,083					$	84

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Financing Receivable, Allowance for Credit Loss, Allocation

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Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
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