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Loans and ACL (Tables)

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Loan Composition

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

			March 31, 2025												December 31, 2024
			Balance						Percent of Total						Balance						Percent of Total
Commercial and industrial
Secured			$	220,884					16.15		%				$	221,510					15.56		%
Unsecured			28,336						2.07		%				23,384						1.64		%
Total commercial and industrial			249,220						18.22		%				244,894						17.20		%
Commercial real estate
Commercial mortgage owner occupied			183,228						13.40		%				178,376						12.53		%
Commercial mortgage non-owner occupied			206,976						15.13		%				208,118						14.62		%
Commercial mortgage 1-4 family investor			93,845						6.86		%				92,497						6.50		%
Commercial mortgage multifamily			68,185						4.99		%				68,456						4.81		%
Total commercial real estate			552,234						40.38		%				547,447						38.46		%
Advances to mortgage brokers			3,015						0.22		%				63,080						4.43		%
Agricultural
Agricultural mortgage			65,699						4.80		%				67,550						4.75		%
Agricultural other			28,660						2.10		%				32,144						2.26		%
Total agricultural			94,359						6.90		%				99,694						7.01		%
Residential real estate
Senior lien			337,542						24.68		%				332,743						23.37		%
Junior lien			9,409						0.69		%				8,655						0.61		%
Home equity lines of credit			40,397						2.95		%				39,474						2.77		%
Total residential real estate			387,348						28.32		%				380,872						26.75		%
Consumer
Secured - direct			33,220						2.42		%				35,050						2.46		%
Secured - indirect			45,081						3.30		%				49,136						3.45		%
Unsecured			3,247						0.24		%				3,398						0.24		%
Total consumer			81,548						5.96		%				87,584						6.15		%
Total			$	1,367,724					100.00		%				$	1,423,571					100.00		%

Nonaccrual Loans with No ACL

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

			March 31, 2025												December 31, 2024
			Total Nonaccrual Loans						Nonaccrual Loans with No ACL						Total Nonaccrual Loans						Nonaccrual Loans with No ACL
Residential real estate
Senior lien			$	173					$	173					$	282					$	282
Total			$	173					$	173					$	282					$	282

Summary of past due loans

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

			March 31, 2025
			Past Due:																														Accruing Loans 90 or More Days Past Due
			30-59 Days						60-89 Days						90 Days or More						Current						Total
Commercial and industrial
Secured			$	79					$	—					$	—					$	220,805					$	220,884					$	—
Unsecured			—						50						—						28,286						28,336						—
Total commercial and industrial			79						50						—						249,091						249,220						—
Commercial real estate
Commercial mortgage owner occupied			26						304						—						182,898						183,228						—
Commercial mortgage non-owner occupied			1,487						—						—						205,489						206,976						—
Commercial mortgage 1-4 family investor			104						—						—						93,741						93,845						—
Commercial mortgage multifamily			—						—						—						68,185						68,185						—
Total commercial real estate			1,617						304						—						550,313						552,234						—
Advances to mortgage brokers			—						—						—						3,015						3,015						—
Agricultural
Agricultural mortgage			—						—						—						65,699						65,699						—
Agricultural other			57						—						—						28,603						28,660						—
Total agricultural			57						—						—						94,302						94,359						—
Residential real estate
Senior lien			3,163						—						56						334,323						337,542						—
Junior lien			—						—						—						9,409						9,409						—
Home equity lines of credit			80						—						—						40,317						40,397						—
Total residential real estate			3,243						—						56						384,049						387,348						—
Consumer
Secured - direct			3						—						26						33,191						33,220						26
Secured - indirect			197						—						—						44,884						45,081						—
Unsecured			6						—						—						3,241						3,247						—
Total consumer			206						—						26						81,316						81,548						26
Total			$	5,202					$	354					$	82					$	1,362,086					$	1,367,724					$	26

			December 31, 2024
			Past Due:																														Accruing Loans 90 or More Days Past Due
			30-59 Days						60-89 Days						90 Days or More						Current						Total
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

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:

			March 31, 2025
			2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Commercial and industrial: Secured
Risk ratings 1-3			$	781					$	14,633					$	14,585					$	2,780					$	4,793					$	4,159					$	11,474					$	—					$	53,205
Risk rating 4			7,922						36,531						33,149						15,511						13,986						3,487						31,460						—						142,046
Risk rating 5			633						3,549						166						13,434						66						9						4,441						—						22,298
Risk rating 6			102						121						272						59						113						9						2,659						—						3,335
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	9,438					$	54,834					$	48,172					$	31,784					$	18,958					$	7,664					$	50,034					$	—					$	220,884
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial and industrial: Unsecured
Risk ratings 1-3			$	1,498					$	348					$	1,905					$	132					$	55					$	431					$	2,129					$	—					$	6,498
Risk rating 4			3,475						1,371						1,700						1,686						629						347						11,230						—						20,438
Risk rating 5			—						96						66						—						113						—						1,125						—						1,400
Risk rating 6			—						—						—						—						—						—						—						—						—
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	4,973					$	1,815					$	3,671					$	1,818					$	797					$	778					$	14,484					$	—					$	28,336
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Owner occupied
Risk ratings 1-3			$	—					$	1,935					$	4,004					$	1,532					$	10,984					$	17,220					$	—					$	—					$	35,675
Risk rating 4			9,227						24,689						11,227						28,141						35,106						28,638						1,327						—						138,355
Risk rating 5			1,524						195						1,294						860						71						1,418						372						—						5,734
Risk rating 6			—						1,348						304						—						620						1,096						96						—						3,464
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	10,751					$	28,167					$	16,829					$	30,533					$	46,781					$	48,372					$	1,795					$	—					$	183,228
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Non-owner occupied
Risk ratings 1-3			$	723					$	302					$	738					$	5,510					$	5,124					$	2,078					$	—					$	—					$	14,475
Risk rating 4			7,856						7,840						32,756						56,898						35,075						30,764						608						—						171,797
Risk rating 5			—						9,671						809						928						1,663						6,085						500						—						19,656
Risk rating 6			—						—						1,000						—						—						48						—						—						1,048
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	8,579					$	17,813					$	35,303					$	63,336					$	41,862					$	38,975					$	1,108					$	—					$	206,976
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			March 31, 2025
			2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Commercial real estate: 1-4 family investor
Risk ratings 1-3			$	121					$	1,154					$	—					$	2,774					$	772					$	1,750					$	4,213					$	—					$	10,784
Risk rating 4			2,597						9,266						12,164						8,448						28,242						15,711						5,456						—						81,884
Risk rating 5			—						—						143						335						70						51						—						—						599
Risk rating 6			—						—						532						—						—						46						—						—						578
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	2,718					$	10,420					$	12,839					$	11,557					$	29,084					$	17,558					$	9,669					$	—					$	93,845
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Multifamily
Risk ratings 1-3			$	—					$	638					$	3,121					$	1,673					$	915					$	1,258					$	175					$	—					$	7,780
Risk rating 4			50						2,318						1,936						21,115						11,509						20,065						64						—						57,057
Risk rating 5			—						490						—						—						—						—						—						—						490
Risk rating 6			—						—						—						—						—						2,858						—						—						2,858
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	50					$	3,446					$	5,057					$	22,788					$	12,424					$	24,181					$	239					$	—					$	68,185
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Advances to mortgage brokers
Risk ratings 1-3			$	3,015					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	3,015
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural mortgage
Risk ratings 1-3			$	230					$	742					$	—					$	2,688					$	2,049					$	3,347					$	37					$	—					$	9,093
Risk rating 4			583						4,023						4,055						12,762						6,794						13,269						1,384						—						42,870
Risk rating 5			—						278						1,505						1,342						5,741						1,609						1,168						—						11,643
Risk rating 6			—						60						—						975						—						1,058						—						—						2,093
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	813					$	5,103					$	5,560					$	17,767					$	14,584					$	19,283					$	2,589					$	—					$	65,699
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural other
Risk ratings 1-3			$	—					$	633					$	434					$	86					$	107					$	211					$	2,694					$	—					$	4,165
Risk rating 4			138						1,886						1,192						1,656						1,741						776						11,825						—						19,214
Risk rating 5			—						1,687						—						17						—						460						831						—						2,995
Risk rating 6			—						—						172						—						90						—						2,024						—						2,286
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	138					$	4,206					$	1,798					$	1,759					$	1,938					$	1,447					$	17,374					$	—					$	28,660
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			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			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
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			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
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			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			December 31, 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			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

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

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

			March 31, 2025
			2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Residential real estate: Senior lien
Current			$	10,712					$	58,748					$	39,681					$	46,037					$	72,311					$	105,685					$	—					$	1,033					$	334,207
Past due 30-89 days			—						202						184						219						499						2,058						—						—						3,162
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						173						—						—						173
Total			$	10,712					$	58,950					$	39,865					$	46,256					$	72,810					$	107,916					$	—					$	1,033					$	337,542
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	1					$	—					$	—					$	1
Residential real estate: Junior lien
Current			$	1,073					$	4,174					$	2,929					$	741					$	101					$	391					$	—					$	—					$	9,409
Past due 30-89 days			—						—						—						—						—						—						—						—						—
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	1,073					$	4,174					$	2,929					$	741					$	101					$	391					$	—					$	—					$	9,409
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Residential real estate: Home equity lines of credit
Current			$	—					$	—					$	—					$	—					$	—					$	—					$	40,317					$	—					$	40,317
Past due 30-89 days			—						—						—						—						—						—						80						—						80
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	—					$	—					$	—					$	—					$	—					$	—					$	40,397					$	—					$	40,397
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Consumer: Secured - direct
Current			$	2,437					$	9,227					$	8,506					$	5,906					$	3,550					$	3,565					$	—					$	—					$	33,191
Past due 30-89 days			—						—						—						3						—						—						—						—						3
Past due 90 or more days			—						—						—						—						—						26						—						—						26
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	2,437					$	9,227					$	8,506					$	5,909					$	3,550					$	3,591					$	—					$	—					$	33,220
Current year-to-date gross charge-offs			$	—					$	1					$	19					$	36					$	—					$	12					$	—					$	—					$	68
Consumer: Secured - indirect
Current			$	613					$	5,850					$	20,416					$	6,956					$	4,507					$	6,542					$	—					$	—					$	44,884
Past due 30-89 days			—						47						—						—						68						82						—						—						197
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	613					$	5,897					$	20,416					$	6,956					$	4,575					$	6,624					$	—					$	—					$	45,081
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	13					$	—					$	—					$	13

			March 31, 2025
			2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Consumer: Unsecured
Current			$	436					$	1,353					$	503					$	136					$	17					$	8					$	788					$	—					$	3,241
Past due 30-89 days			—						5						—						1						—						—						—						—						6
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	436					$	1,358					$	503					$	137					$	17					$	8					$	788					$	—					$	3,247
Current year-to-date gross charge-offs			$	80					$	1					$	9					$	—					$	—					$	—					$	—					$	—					$	90

			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			$	—					$	—					$	—					$	—					$	—					$	1					$	—					$	—					$	1
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			$	—					$	62					$	—					$	—					$	—					$	—					$	—					$	—					$	62

			December 31, 2024
			2024						2023						2022						2021						2020						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
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			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
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			$	107					$	7					$	14					$	—					$	—					$	—					$	—					$	—					$	128

Financing Receivable, 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:

																											Three Months Ended March 31, 2025
															Term Extension
																											Amortized Cost Basis						% of Total Class of Financial Receivable
Commercial and industrial
Secured																											$	532					0.24		%
Commercial real estate
Commercial mortgage owner occupied																											1,524						0.83		%
Total																											$	2,056

			Three Months Ended March 31, 2024
			Other-Than-Insignificant Payment Delay												Term Extension
			Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable
Commercial and industrial
Secured			$	—					0.00		%				$	13					0.01		%
Commercial real estate
Commercial mortgage owner occupied			823						0.46		%				—						0.00		%
Consumer
Secured - indirect			—						0.00		%				2						0.00		%
Total			$	823											$	15

Effects of Loan Modifications for Borrowers Experiencing Financial Difficulty

The following is a summary of the financial effect of the modifications granted to borrowers experiencing financial difficulty for the:

Three Months Ended March 31

2025

2024

Weighted-Average Term Extension (Years)

Payment Delay Term

Weighted-Average Term Extension (Years)

Commercial and industrial

Secured

4.4 years

N/A

3 years

Commercial real estate

Commercial mortgage owner occupied

15 years

7 months

N/A

Consumer

Secured - indirect

N/A

N/A

1.3 years

Financing Receivable, Modified, Past Due

The following tables summarize the amortized cost basis of loans that have been modified within the past 12 months prior to:

			March 31, 2025
			Current						30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total
Commercial and industrial
Secured			$	2,168					$	—					$	—					$	—					$	2,168
Commercial real estate
Commercial mortgage owner occupied			2,872						—						—						—						2,872
Agricultural
Agricultural mortgage			1,584						—						—						—						1,584
Agricultural other			924						—						—						—						924
Total			$	7,548					$	—					$	—					$	—					$	7,548

			March 31, 2024
			Current						30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total
Commercial and industrial
Secured			$	12					$	—					$	—					$	—					$	12
Commercial real estate
Commercial mortgage owner occupied			941						—						—						—						941
Commercial mortgage non-owner occupied			1,023						—						—						—						1,023
Commercial mortgage multifamily			2,976						—						—						—						2,976
Agricultural
Agricultural mortgage			22						—						—						—						22
Consumer
Secured - indirect			2						—						—						—						2
Total			$	4,976					$	—					$	—					$	—					$	4,976

Allowance for Credit Losses

A summary of activity in the ACL by portfolio segment and the recorded investment in loans by segments follows for the:

			Three Months Ended March 31, 2025
			Commercial and Industrial						Commercial Real Estate						Agricultural						Residential Real Estate						Consumer						Total
December 31, 2024			$	1,316					$	5,171					$	287					$	4,521					$	1,600					$	12,895
Charge-offs			—						—						—						(1)						(171)						(172)
Recoveries			80						2						—						14						128						224
Reversal of credit losses			(157)						1						(21)						66						(101)						(212)
March 31, 2025			$	1,239					$	5,174					$	266					$	4,600					$	1,456					$	12,735

			Three Months Ended March 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			—						—						—						(1)						(190)						(191)
Recoveries			2						6						2						64						71						145
Provision for credit losses			297						19						(7)						(91)						110						328
March 31, 2024			$	1,267					$	5,903					$	265					$	4,308					$	1,647					$	13,390

Financing Receivable, Allowance for Credit Loss, Allocation

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

			March 31 2025						December 31 2024						September 30 2024						June 30 2024						March 31 2024
ACL
Individually evaluated			$	—					$	—					$	—					$	137					$	349
Collectively evaluated			12,735						12,895						12,635						12,958						13,041
Total			$	12,735					$	12,895					$	12,635					$	13,095					$	13,390
ACL to gross loans
Individually evaluated			0.00		%				0.00		%				0.00		%				0.01		%				0.03		%
Collectively evaluated			0.93		%				0.91		%				0.89		%				0.94		%				0.95		%
Total			0.93		%				0.91		%				0.89		%				0.95		%				0.98		%

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:

			March 31, 2025												December 31, 2024
			Loan Balance						Specific Allocation						Loan Balance						Specific Allocation
Commercial and industrial			$	—					$	—					$	—					$	—
Commercial real estate			—						—						—						—
Agricultural			—						—						—						—
Residential real estate			145						—						254						—
Consumer			—						—						—						—
Total			$	145					$	—					$	254					$	—

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Financing Receivable, Allowance for Credit Loss, Allocation

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

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Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
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+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 12A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A

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-Topic 310
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-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Subparagraph (a)(3)
-Publisher FASB
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Tabular disclosure of aging analysis for financing receivable.

+ References

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-Topic 326
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- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

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- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

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- Definition

Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty.

+ References

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